vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with Equifax. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX, XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
XXXX. Incorrect Employers : My current and correct employer is : XXXXXXXX XXXX XXXX XXXX The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported.

Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB Bulletin 2014-01 Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am due over {$15000.00} from the closure of my chase total checking and savings accounts and I have not received my money. It was closed in late XXXX XXXX and I still do not have my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

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.

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 : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. 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 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX RE : Cease and Desist Unauthorized Collection Activity and Credit Reporting ( FDCPA & FCRA Violations ) To Whom It May Concern, I am writing to formally demand that you immediately cease and desist from all collection activities and credit reporting related to the alleged debt currently being reported on my credit file. 

I did not authorize this account to be placed on my credit, and you have not provided proper validation as required by federal law. Your continued attempts to collect or report this account may violate multiple consumer protection laws, including : 15 U.S.C. 1692c ( FDCPA ) : Restrictions on communication and contacting consumers after a cease and desist request. 
15 U.S.C. 1692g ( FDCPA ) : Requirement to provide full written validation of a debt upon request.

15 U.S.C. 1681e ( b ) ( FCRA ) : Obligation to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. 

Your failure to provide complete validation, combined with continued reporting or collection efforts, may constitute violations of these statutes.

I am demanding that you : 1. Immediately stop all collection attempts, including calls, letters, emails, or third-party contact. 
2. Remove any negative reporting related to this alleged debt from all credit bureaus if you can not fully validate the debt under 15 U.S.C. 1692g. 
3. Provide written confirmation within 10 business days that you have ceased all collection activity and updated any inaccurate credit reporting. 

If you continue to contact me or report inaccurate information, I will pursue all available legal remedies. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Kansas Attorney General. 

This letter serves as a final notice. Nothing in this correspondence should be interpreted as a waiver of any of my rights, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
XXXX XXXX was made aware of a fraudulent account opened in my name. They used resurgent to sell the debt to when they realized it was fraud. They have hit my credit and the credit card agencies XXXX XXXX XXXX XXXX  are refusing to remove these accounts from my score even with a police report and FTC report. Also AFFIRM posted an account in my maiden name. The email used to open this affirm account was shut down before COVID by XXXX. They also used a phone number not associated with me. I need to report XXXX XXXX  I ALSO NEED TO REPORT AFFIRM. I NEED TO REPORT XXXX XXXX XXXX XXXX XXXXOR IGNORING THE FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
I do not remember exactly what dates because I habe XXXX but these people call me every year they put it on my XXXX XXXX XXXX and send me letters they just put XXXX dollars on my account that is absurd

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 2025-11-30 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: AR

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXXm a victim of fraud & identity theft. Before someone receives any credit or opena up anything, the company MUST call me and also ask for my DL and Social Security card. I have an alert with credit bureaus to do that. 
I didnt receive either from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Sapphire Marketing Group, Inc.
State: LA

Complaint narrative:
I have paid my dues for this year and they are after me for next years dues and lied to me about no XXXX out dates and other fees that they fail to tell me about. Tried to work with them and they have given me nothing but grief and bullying me about the payments. I am done not paying anything else to them.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-30 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: OneMain Finance Corporation
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and deletion of the inquiries listed below, as I did not grant written or permissible authorization for these companies to access my credit file. 

FCRA 604 ( a ) ( 2 ) / 15 U.S.C. 1681b Permissible Purpose A company must have a valid permissible purpose AND my authorization to pull my credit.

I did not provide consent to these entities.

FCRA 604 ( c ) ( 1 ) ( A ) / 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) A consumer reporting agency may only furnish my report for firm offers of credit if specific conditions are met which were not.

FCRA 606 / 15 U.S.C. 1681d Disclosure Obligations If an investigative consumer report is requested, I must receive prior notice which I did not.

FCRA 611 / 15 U.S.C. 1681i Consumer Right to Dispute Information I am exercising my legal right to dispute any inaccurate or unauthorized information. 
You must conduct a reasonable reinvestigation within 30 days. 

FCRA 612 / 15 U.S.C. 1681j Free Investigation I am entitled to a free reinvestigation of disputed items.

FCRA 616 / 15 U.S.C. 1681n Willful Noncompliance Failure to correct or delete unauthorized inquiries may result in civil liability for willful noncompliance.

FCRA 617 / 15 U.S.C. 1681o Negligent Noncompliance Negligent failure to comply also creates liability. 

Under the authority of the FCRA sections cited above, I request that you : 1. Immediately investigate the inquiries listed.

2. Provide written proof that I authorized each inquiry ( signed application or direct written consent ).

3. Delete any inquiry for which you can not provide evidence of permissible purpose.

4. Send me an updated copy of my credit report showing removals. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NY

Complaint narrative:
There are several negative listings on this report. I have reached out and disputed with Experian the inaccuracies. Such as missing dates, inaccurate or missing amount as well as the age of some of the debts In addition by Law, they were supposed to give me proof of ownership, chain of debt in which they have not given me any of that paperwork, and also some of those are listed as charge offs, which means they have already taken it on their taxes as a write off signifying that it is not collectible

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 2025-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Payments have been mis applied. I have made more than XXXX calls to correct this issue. I was told all the funds have been moved over and the error is being corrected. Originally the credit report showed XX/XX/year> as being late. Now XX/XX/year> is being shown as late. My account is paid through XX/XX/year> with no past due XXXX statement. This is affecting my credit severly

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
" My mortgage servicer, RoundPoint, systematically violated multiple federal mortgage-servicing laws ( RESPA, TILA, Reg X , Reg Z ) by force-placing unnecessary insurance, misapplying payments, improperly increasing my escrow without notice, and assessing false late fees. The servicer has failed to conduct a proper investigation into my Notices of Error for nearly a year.

My previous CFPB complaint was closed prematurely. The servicer 's response did not address the specific statutory violations I raised.

I have attached a detailed, 8-point document that outlines these violations, citing specific C.F.R. sections and U.S. Code, along with documentary proof of my active insurance policy and timely payments. I request the CFPB reopen this case and require the servicer to provide documented proof of their actions and correct my account immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Balance : {$450.00} - Date Opened : XX/XX/XXXX XXXX  XXXX  # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

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 : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. 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 30 days. 

Sincerely, 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 2025-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
The debited my checking account for the final payment in XXXX. However since then they continue to debit my account. I have called and tried to resolve this but I get a run around and am told they will get back to me. Another XXXX payments were debited on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX - Balance : {$6500.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Balance : {$2600.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Balance : {$3300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$2800.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$1400.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$8600.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Experian Information Solutions Inc.
State: NY

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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