vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I am submitting a formal dispute regarding the following items on my credit report with Experian : Charged-Off Accounts : DEPTEDXXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1700.00} Issue : I am disputing this charged-off account due to possible inaccuracies in the reported balance or status. Please verify the details and correct any discrepancies if found. 

DPT EDXXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$360000.00} Issue : This account may be inaccurately reported or have incorrect details regarding the balance or date. I request that it be reviewed for possible errors. 

XXXXXXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : This account may be incorrectly listed as a charged-off account. Please verify if this is accurate. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : I dispute the reporting of this account as charged-off. Please investigate for any discrepancies. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : This account may have been reported incorrectly as charged-off. Please verify its status. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : I request a thorough review of this charged-off account for potential errors in reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$620.00} Issue : Please verify the balance and reporting accuracy of this account. 

XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1400.00} Issue : I believe this accounts balance or status may be reported incorrectly. Please investigate. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : I believe this account is inaccurately reported as charged-off. Please verify the information. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$20000.00} Issue : I dispute this account due to possible errors in the balance and status reported. 

Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : I am disputing this inquiry for potential inaccuracies. Please investigate its validity. 

XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Please verify the accuracy of this inquiry. I believe it may have been reported in error. 

XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry may be inaccurately reported. Please investigate and verify if it was authorized. 

Late Payments : XXXXXXXX XXXX XXXX Account Number : XXXX Issue : I am disputing the late payment reported on this account as it may be inaccurately reflected. Please review the payment history.

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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'Repetitive calls from numbers:XXXXStating to call them back due to an urgent matter.\nI returned call asking for her company name she stated XXXX XXXX XXXX XXXX XXXX XXXX  when I asked her for her name she told me it was XXXX XXXX. She told me her lawyer was XXXX XXXX out of XXXX, Florida and when reading to them I am requesting that you stop calling me immediately under the Fair Debt Collection Practices Act. " I was interrupted by her yelling ma\'am we do not do that. and That they are collecting a debt. I told her if this was legitimate to send me written verification. She told me they also do not do that and if I didn\'t pay today she\'d have a sheriff serve me papers to appear in court unless I settled my debt with Chase of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-30 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: FL

Complaint narrative:
I am submitting this complaint about two accounts on my credit report that contain information which is not reported with maximum possible accuracy. These entries are incorrect and have not been verified to the standard required for accurate consumer reporting. The continuing presence of these inaccuracies is causing real harm to my creditworthiness and personal well-being during an already difficult time. I did not provide false information, nor do these accounts accurately reflect my payment history or financial obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
I have almost XXXX in my XXXX account. It was closed and I was first told I had to wait for 6 months to access it. Now when I call they say I can not access my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of a charge-off account being reported by XXXX XXXX XXXX XXXXXXXX on my credit report. The account shows as charged off with a {$530.00} balance, written off as of XX/XX/XXXX, and reported as past due as of XX/XX/XXXX. 

The reported information appears inconsistent and may be inaccurate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. The charge-off date and the continued updates suggesting a current past-due balance are conflicting. If this account was charged off and written off in XX/XX/XXXX, the balance should not continue to update or appear as currently past due. 

I contacted the credit bureaus and the furnisher to request documentation verifying the balance, ownership, and date of first delinquency but did not receive proper verification. Without such documentation, this continued reporting may be incomplete or inaccurate. 

I am requesting a full investigation into this account and written verification of : The date of first delinquency and charge-off, Whether XXXX XXXX XXXX still owns or services this debt, The reason the balance is still reported as past due, and Confirmation that the reporting complies with the FCRA. 

If the furnisher can not verify the accuracy and ownership of the information being reported, I request that this charge-off entry be deleted from my credit file. 

Summary of actions taken : Disputed with Experian, Equifax, and TransUnion on or around XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX for validation No adequate verification or supporting documents received Thank you for forwarding this complaint to the company involved for investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the accuracy of a charge-off account being reported by XXXX XXXX XXXX XXXXXXXX on my credit report. The account shows as charged off with a {$530.00} balance, written off as of XX/XX/XXXX, and reported as past due as of XX/XX/XXXX. 

The reported information appears inconsistent and may be inaccurate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. The charge-off date and the continued updates suggesting a current past-due balance are conflicting. If this account was charged off and written off in XX/XX/XXXX, the balance should not continue to update or appear as currently past due. 

I contacted the credit bureaus and the furnisher to request documentation verifying the balance, ownership, and date of first delinquency but did not receive proper verification. Without such documentation, this continued reporting may be incomplete or inaccurate. 

I am requesting a full investigation into this account and written verification of : The date of first delinquency and charge-off, Whether XXXX XXXX XXXX still owns or services this debt, The reason the balance is still reported as past due, and Confirmation that the reporting complies with the FCRA. 

If the furnisher can not verify the accuracy and ownership of the information being reported, I request that this charge-off entry be deleted from my credit file. 

Summary of actions taken : Disputed with Experian, Equifax, and TransUnion on or around XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX for validation No adequate verification or supporting documents received Thank you for forwarding this complaint to the company involved for investigation.

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 2025-10-30 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: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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: GA

Complaint narrative:
I am submitting a formal dispute regarding the following items on my credit report with TransUnion : Charged-Off Accounts : XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1700.00} Issue : Please verify the accuracy of this accounts balance and reporting. 

XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$360000.00} Issue : I dispute the details of this account. Please investigate for any errors. 

XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : I believe this account is incorrectly reported as charged-off. Please verify and update if necessary. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : I request that this account be reviewed for potential inaccuracies in reporting. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Issue : This account may have been incorrectly reported. Please investigate its details. 

Inquiries : XXXX XXXX  Date : XX/XX/XXXX Issue : I am disputing this inquiry for possible inaccuracies. 

XXXX  Date : XX/XX/XXXX Issue : This inquiry may be incorrect. Please verify and remove if found to be inaccurate. 

XXXX  Date : XX/XX/XXXX Issue : I request a review of this inquiry for any discrepancies. 

Late Payments : XXXX  XXXX Account Number : XXXX Issue : I dispute this late payment as it may not have been accurately reported. 

XXXX XXXX XXXX  Account Number : XXXX Issue : I am disputing this late payment on the account. Please verify its accuracy.

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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have been proactive in attempting to work with my loan company to lessen the payment of my car note payments. They are currently at {$710.00} per month. I have attempted to negotiate with them in which I was told that I had the option of paying up to half of the price of the vehicle and that I would qualify for a loan modification. This loan modification would extend the life of the loan but offer relief in my monthly payments making them less. This was told to me by XXXX at PFS auto in XXXX, XXXX. I then called to follow up to see if this was still available and I was told that this option was nonexistent. Prior to this I had expressed my concerns about the cost of my monthly payment because it was too expensive. I have tried to refinance with other banks only to be denied. I am filing this complaint because I was told that I had an option and completed that option and was later told that I would not qualify and that that option was unavailable. I also informed PFS that I was out of work due to FMLA and then became unemployed so I would no longer be able to afford the payments as they are. My last resort has come to me voluntarily surrendering the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. Im requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under 30 days past due or otherwise misdated. Please update all three CRAs and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-10-30 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: MO

Complaint narrative:
Let me be real clear with you Im DONE playing with yall. This is now the THIRD time Ive lawfully disputed the following account ( s ), and you continue to report this XXXX on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692g ( b ) : Debt Validation 15 USC 1681i ( a ) ( 5 ) : Deletion of Errors Heres whats happened so far : Round One : You got my legal notice and IGNORED it.

Round Two : I sent a second formal demand you IGNORED it AGAIN.

Round Three : This is your FINAL legal notice, and this time Im not bluffing. 
You have FAILED to : Provide LEGAL proof of verification Delete UNVERIFIED and INACCURATE information Follow the LAW youve willfully kept reporting false XXXX on my file At this point, your willful non-compliance is a straight-up violation of federal law, and Ive had enough. 
XXXX of XXXX I AM NOW ESCALATING THIS MATTER TO : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the State Attorney General Every media outlet and consumer watchdog group I can find And trust me Im not stopping there.

Ive already retained legal counsel, and I WILL be filing suit for damages under : 15 U.S.C. 1681n ( willful violations ) 15 U.S.C. 1681o ( negligent violations ) 15 U.S.C. 1692k ( FDCPA violations ) So just know you WILL be held fully liable for : ALL damages Court costs Attorneys fees Any other relief the court sees fit

Company response to consumer: Closed with non-monetary relief