vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions XXXX for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established and charged off. 
XXXX. Copies of the original signed contract or agreement bearing my signature. 
XXXX. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required XXXX  days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
I have repeatedly asked this company to verify the company they are calling for along with to never call my job again, as well as to only communicate via mail. This has repeatedly called my job and my person cell from different numbers after being asked to not to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$88000.00} Account name XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$29000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$120000.00} Account name XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$87000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$100000.00}

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2. 

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my information.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  Account number XXXX Account type Mortgage Date opened XX/XX/XXXX Balance {$160000.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$10000.00} Account name XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00} Account name XXXX XXXX  Account number XXXX Account type Date opened XX/XX/XXXX Balance {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am requesting the immediate removal and correction of these items, as they are not only inaccurate but are also negatively affecting my credit score and financial stability. 

PREVIOUS ADDRESS XXXX XXXX XXXX, XXXX XXXX  XXXX CHARGED OFF XXXX  XXXX, XXXX, XX/XX/XXXX, {$400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX, XXXX, XX/XX/XXXX, {$70.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$950.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion, Experian, and Equifax are engaging in ongoing, willful, reckless, and illegal reporting practices that violate multiple federal statutes, including the FCRA, TILA, and FDCPA. The bureaus have ignored every legally valid dispute, refused to provide documentation required by law, and have continued reporting false, conflicting, unverifiable, and unauthorized information on my consumer report. 

Their actions are not accidental they are knowing, repeated, willful violations that have directly harmed me financially and personally. 

I am demanding immediate regulatory intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion, Experian, and Equifax are engaging in ongoing, willful, reckless, and illegal reporting practices that violate multiple federal statutes, including the FCRA, TILA, and FDCPA. The bureaus have ignored every legally valid dispute, refused to provide documentation required by law, and have continued reporting false, conflicting, unverifiable, and unauthorized information on my consumer report. 

Their actions are not accidental they are knowing, repeated, willful violations that have directly harmed me financially and personally. 

I am demanding immediate regulatory intervention.

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 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
They sent my personal information to someone elses email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue Summary : Bank of America reduced my credit limits by {$28000.00} across XXXX cards and included incorrect and non-specific reasons, including a recent cash advance trend ( I have never taken a cash advance with any credit issuer ) and economic and loss trends, which are not individualized adverse action reasons under XXXX. 

What Happened : On XX/XX/XXXX, Bank of America reduced the limits on XXXX of my credit card accounts by a combined {$28000.00}. Both adverse action notices listed a recent cash advance trend as a factor. I have never taken a cash advance or cash-like transaction with Bank of America or with any other credit issuer, and none appear on my XXXX, XXXX, or XXXX  reports. 

The notices also listed economic and loss trends as a factor. This is a non-specific, portfolio-level reason, not tied to my individual credit behavior, and does not meet ECOA requirements that adverse action reasons be specific to the applicant. 

Under FCRA and ECOA, adverse action notices must be accurate and specific. These notices included an inaccurate reason and a non-individualized reason. I also requested a manual reconsideration through Bank of America 's internal process, but the decision was upheld without correcting the inaccurate or non-specific adverse action reasons. 

Impact : Because the reductions were unusually large, my revolving utilization rose sharply and my credit score dropped by more than XXXX points. My XXXX  XXXX score was XXXX on XX/XX/XXXX, and I have never missed a payment. 

What I Am Requesting : A corrected adverse action notice A manual re-review of the decision using accurate and individualized information Expeditious restoration of prior limits or an appropriate upward adjustment Confirmation that inaccurate information has been corrected with XXXX  I have been a Bank of America customer since XXXX, with multiple active accounts and a perfect payment history. I am attaching the adverse action notices for review.

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 2025-12-03 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: TX

Complaint narrative:
These accounts are not associated with me ; remove them within 15 days pursuant to USC 1681g.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/year> a check was stolen and redeposited by XXXXXXXX XXXX from our current bank of XXXX. We filed a complaint about a month later when our taxes sent us a letter saying they didn't receive payment. We looked at the check and it was the same amount of {$4000.00}, but to a different person not XXXX XXXX. We filed a police report with XXXX XXXX. Waited over XXXX months and just received notice that neither bank will be giving us our money back because it was already distributed. Therefore, our bank still has the responsibility to pay us back for the fraud. Please advise us what we need to do to get our funds back. It is a huge struggle not having those dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
I am filing this complaint to dispute the following accounts, which I believe to be inaccurately reported on my credit reports. Please review the accounts and take necessary corrective actions as per the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} LATE PAYMENTS : XXXXXXXX XXXX XXXXXXXX Account Number : 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 explanation
Consumer complaint received 2025-12-03 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to dispute fraudulent accounts appearing on my credit file under protection of 15 U.S.C. 1681c-2, which allows consumers to block information resulting from identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Jefferson Capital Systems through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Jefferson Capital Systems receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : XXXX. ) The Date of First Delinquency ; XXXX. ) The date the account was charged off ; and XXXX. ) The date the account was acquired by or assigned to Jefferson Capital Systems.

Company response to consumer: Closed with explanation