vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX lists the account on the credit report as charged off! Under the FCRA to include 15 USC 1635 and 15 USC 1692g, income is not to be reported on credit reports. If they've charged off the account, I should've received a 1099C and I have not! They wrote this account off on their taxes as a loss and did NOT supply the appropriate documentation to me, the consumer! Again, INCOME is not reportable on credit reports. 

The balances are even different : Charge off amount {$9200.00} However the balance is listed as {$11000.00} Since there are 2 different amounts listed and I never received the appropriate 1099C, I demand that all reporting cease and the item be removed from ALL credit reporting sites... Equifax, XXXX XXXX XXXX  as well as secondary bureaus! 

Date last reported is XX/XX/year>, past due Balance {$11000.00}, credit limit {$9200.00}, CHARGE OFF amount {$9200.00} If additional information is needed, please contact me directly so that I can provide partial account number and copy of report showing ALL errors! 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX partial acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report, which I have discovered through my ongoing credit repair efforts. Below are the details of the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$50.00} XXXX  XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$620.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXX HDFS - Date : XX/XX/XXXX Late Payment : XXXX XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America business account was charged with 12 different debit holds today on XX/XX/XXXX after the bank claimed that I was held liable for fraudulent charges that had been made on my account back on XX/XX/XXXX. 

The charges were 100 % fraudulent and had been made on my business account debit card after my card had been accidentally lost following a grocery store visit. 

On the day of the occurrence the banks automated system triggered a fraud hold on my debit card and I contacted the bank on XX/XX/XXXX to confirm that the charges made were indeed fraudulent. My account was credited with the respective amount and if I recall correctly I was told that I would be contacted by the bank if any further information was needed. I was never contacted after the fact. Today on XX/XX/XXXX I received an email notification notifying me of low funds on my business account. After looking further into what had happened I discovered that the debit holds had occurred due to the aforementioned fraudulent charges being debited from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian Credit Bureau to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
Email received from Aldous and Associates on XX/XX/year> stating I owed a debt in the amount of {$100.00} to XXXX XXXX. I immediately contacted the collection agency and verbally disputed debt, as I had canceled the membership XX/XX/year> and I do have email conformation of cancellation. The agent stated they do not accept disputes over the phone and it would have to be sent by mail. He then stated I had 30 days to pay the {$100.00} or it would be reported to the credit bureaus. 
On XX/XX/year> I sent a dispute/cease and desist order to Aldous and included proof that XXXX was cancelled on XX/XX/XXXX. This was sent certified with a return receipt. Signed and received XX/XX/year>. Collection attempts have continued even though the order was sent and received. On XX/XX/XXXX, I received and email from Aldous that included an attachment. This attachment was simply a memo stating I owed XXXX {$79.00}. I do not know where this memo came from. There is no name, letterhead or signature. On XX/XX/year>, I spoke with a man ( could not understand the name ) from Aldous after a voicemail was left on my phone. I told the man that the dispute/cease and desist was sent. He stated he will send me to the collection bureau and call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Original complaint number was XXXX and was closed without investigation by TransUnion and e-Oscar was not allowed. The date has passed and must be deleted This complaint must be REOPENED. The furnisher ( XXXXXX/XX/XXXX ) and TransUnion failed to provide ANY documentation, failed to conduct a reasonable reinvestigation, and continued reporting inaccurate information. TransUnion wrongly left the tradeline as disputed instead of deleting it, and the CFPB closed the complaint based on incomplete and incorrect information. 

Key facts : I was in an active written payment arrangement XXXX XX/XX/XXXX Payments were accepted. 
During this active arrangement, XXXX internally closed my account, created a NEW internal account number, and reported THAT number as a charge-off/collection. 
This is account manipulation and false furnishing under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). 
I sent certified disputes to both the furnisher and TransUnion in XXXX and XX/XX/year>. Both were received. 
The furnisher provided zero documentation, zero ledger, zero contract, zero payment records. 
TransUnion verified using only an e-OSCAR auto-response and did not review my evidence. 
This violates FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ) ( B ), 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 5 ) ( A ), and 607 ( b ).

The CFPB closed the complaint without corrective action even though the furnisher did not respond with any documentation and TransUnion continued reporting known inaccurate information. This is now causing direct mortgage interference and financial harm. 

I am requesting : 1. Full investigation by the CFPB Enforcement Division.

2. Furnisher to provide full validation ( ledger, contract, payment records ). 
3. TransUnion to delete the unverifiable tradeline under 611 ( a ) ( 5 ) ( A ). 
4. Review of furnisher account manipulation and false reporting during a payment arrangement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a mistaken dispute my credit report contains a specific account that is inaccurate and not reported with the maximum possible accuracy. The presence of this erroneous entry has caused ongoing stress and tangible harm to my financial standing during a difficult time. I take my credit profile seriously and can not tolerate this inaccuracy remaining on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing several accounts with inaccurate or incomplete information that are being reported on my credit file. The following accounts require investigation and rectification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Charged-Off Accounts XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} Issue : This account shows as charged off with no prior payment history or late payments. The report fails to fully disclose the accounts payment behavior, which may lead to an inaccurate credit assessment. 

XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} Issue : Missing detailed payment history leading up to the charge-off. The accounts reporting is incomplete. 

XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$2400.00} Issue : The account is inaccurately marked as charged off. There are discrepancies in the reported balances and payment history. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$17000.00} Issue : There are missing late payment records for this account prior to charge-off. The lack of detail leads to an inaccurate credit reporting. 

XXXXXX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$21000.00} Issue : Missing payment history and inaccurate reporting regarding the account 's status and charge-off date. 

Bankruptcy Account Number : XXXX Date Filed : XX/XX/XXXX Issue : The bankruptcy entry is outdated and incorrect. Requesting correction and proper removal in compliance with legal standards. 

Inquiries : XX/XX/XXXXXXXX Date of Inquiry : XX/XX/XXXX Issue : The inquiry appears to be erroneously reported. Requesting verification and removal if incorrect. 

XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Questionable inquiry that does not correspond with my credit activity. Please investigate. 

XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXX Issue : Erroneous inquiry that I have no record of authorizing. Request removal if inaccurate. 

Late Payments : XXXX Account Number : XXXX Issue : This late payment report is inaccurate or outdated and should be reviewed for corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have had a Chase XXXX credit card for 4 years. Up until XX/XX/year>, when I paid the statement balance, I paid no interest, per the card terms. When I didn't pay off the balance, I paid interest as expected. When I again paid off the statement balance, I was not charged interest. 

All that changed when I received my XX/XX/year> statement. Despite paying off my statement balance, I was charged interest. I called the company to find out why. The representative 's attempt at an explanation was unintelligible, so I asked her a series of simple questions to find out whether my card terms had changed ; she said no. I don't owe interest when I pay off the statement balance, do I? No. Chase hasn't started charging interest for two months if you don't pay it off? No. So this won't happen again -- when I pay the statement balance, I don't owe interest, correct? She said that was correct. 

I did not pay off my next month 's balance, so I paid interest as expected on my XXXX statement. 

The next month, however, I again paid off the statement balance. Per the company 's assurances in XXXX, I should not have been charged interest because I paid off the balance. However, on my XXXX statement, I was charged interest despite paying off the statement balance. 

Chase has clearly lied to me. There is NOTHING in the card terms/agreement or on my statements that say they will charge interest for two months if you don't pay it off for one month. But that is exactly what they are now doing. Chase has changed the terms of my card agreement without telling me, they are now charging interest for two months if you don't pay it all off for one month, and they have lied to my face about it when I talked to them on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America removed {$2400.00} from my personal checking account without my authorization and applied it to a BUSINESS credit card belonging to XXXX XXXX XXXX. This credit card was already in an active fraud/identity theft investigation. 

Bank of Americas credit card department previously marked the account as identity theft. I filed a police report ( XXXX XXXX XXXX, filed XX/XX/XXXX ) and an FTC Identity Theft Report. The business credit card was NOT personally guaranteed by me, and my personal checking account is not connected to that business account. 

Today, Bank of America told me the investigation was closed, claimed I was personally liable, and refused to return my funds. They also refused to provide the offset authorization, internal notes, reason code, written policy allowing offset from a personal account for a business debt, and written policy allowing offset during an active fraud case. 

They told me to call the police to find out who took the money, even though it was Bank of America who removed it. 

This appears to be an unauthorized withdrawal, an improper offset, and a violation of Regulation E and CFPB guidance on handling identity theft and unauthorized transfers. I am requesting immediate return of the {$2400.00} and full documentation of the offset.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: TX

Complaint narrative:
On XX/XX/year> I was notified by my credit monitoring company that there was a derogatory mark on my credit report from Credit Control , LLC on behalf of XXXX XXXX and a collection was posted on my credit report in the amount of {$3500.00}. I did not recognize debt and have not received any notification of a debt owed. I have attempted to call the number listed on the credit report for Credit Control , LLC. Each time I am told that I am a certain number in the queue and then the message changes asking me to leave a detailed message and I will receive a call back. I have attempted this process three times and have yet to receive a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I have an account with capital one. My account was frozen for no reason at all. 
I can not use my debit card for purchases and can not take out the money at an atm. 
I have spent over a week with them on the phone every day for over an hour. With no results. Every call they ask for multiple security codes and questions and ID recognition which somehow are never enough for them. They refuse to tell me why they have frozen the account and i need the funds. Very unfair and very illegal to freeze my funds. What can i do?

Company response to consumer: Closed with explanation