vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account XXXX XXXX XXXX account # XXXX This account is not mine and need to be remove from account immediately PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 recently reviewed a copy of my credit report and noticed a fraudulent account XXXX XXXX XXXX account # XXXX This account is not mine and need to be remove from account immediately PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT THANK YOU.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute to Experian regarding a collection account reported by XXXX XXXX XXXX ( Account # XXXX ). Despite my formal dispute, Experian has updated the account without correcting or removing any of the inaccurate and unverifiable information. 

This account has been disputed multiple times since XXXX, and no documentation or proper validation has ever been provided. Most recently, Experian marked the item as updated on XX/XX/XXXX, but : The same {$6500.00} balance is still being reported, with no breakdown or itemization of charges.

It is listed as a 1-month lease, which is inaccurate.

No payments have ever been recorded, yet it continues to report as collection monthly.

Experian did not provide a Method of Verification as required under FCRA 611 ( a ) ( 7 ).

I requested full documentation and verification of how this account was validated. Experian failed to respond adequately and continues to allow inaccurate and harmful information to be reported on my credit file.

Additionally, I have reason to believe the original furnisher never validated the debt, and this may constitute a violation of both the FCRA and FDCPA. The ongoing reporting of unverifiable information is causing me financial harm and is a direct violation of my consumer rights.

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 2025-07-02 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:
This account contains multiple errors and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ), rendering the information unreliable and damaging to my creditworthiness.

Upon reviewing my credit report, I have identified the following critical inaccuracies : 1. Inconsistent Financial Data : The reported High Credit ( ranging from {$0.00} to {$3200.00} ) and Credit Limit ( ranging from {$0.00} to {$2300.00} ) vary significantly across the bureaus. Such discrepancies indicate a failure to maintain maximum possible accuracy as required under FCRA Section 607 ( b ).

2. Unresolved Dispute : I have disputed this account, as noted in the comments section ( e.g., TransUnion : information disputed by consumer ; Experian : Customer disputed account ; Equifax : Consumer disputes this account ). Despite these disputes, the account remains listed as Derogatory and Collection/Charge off with no resolution. This violates FCRA Section 611, which mandates investigation and correction of disputed information within 30 days.

3. Outdated and Unverified Information : The Two-Year Payment History contains numerous K ( Unknown ) codes and inconsistent late payment statuses, while the Date Last Active and Date of Last Payment differ across bureaus ( e.g., TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX ). This suggests the data is obsolete or unverified, or could be indicative the creditor is re-aging the account and violating FCRA Section 605 ( a ), which prohibits reporting of stale information. 
4. Improper Charge-Off Reporting : The account is marked as Collection/Charge off with a Past Due amount of {$2400.00}, yet my dispute remains unresolved. Under FCRA Section 623 ( a ) ( 3 ), the furnisher ( XXXX ) is obligated to correct or remove inaccurate data following a dispute, and your failure to reflect this correction violates my rights. 
These errors collectively demonstrate a systemic failure to comply with FCRA requirements for accuracy, investigation, and timely updates. The presence of this inaccurate and disputed account has unjustly harmed my credit score and financial reputation. Pursuant to FCRA Section 611 ( a ) ( 5 ) please delete this account from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Requested chain of assignment proof of ownership account level documentation and wet ink signature original aggreement I requested this information to no avail Ive never signed a contract with Portfolio Recovery Services I did not give consent for them to have my non public personnel information Its a violation of my privacy rights and my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
This is a complaint regarding XXXX LLCs breach of fiduciary duty and denial of equitable performance in a consumer transaction involving my legal person. 

XXXX accessed the NAME : XXXX XXXX XXXX, associated with my estate trust and Social Security Number, thereby initiating a constructive trust under commercial law. This places XXXX in a trustee capacity and binds it to perform in good faith, in equity, and with full transparency. 

They attempted to solicit a down payment without lawful disclosure of how my information is used in backend securitization or monetization. This is a violation of : Truth in Lending Act ( 15 U.S.C. 1601 ) Fair Credit Reporting Act Uniform Commercial Code ( UCC 1-103, UCC 3-305 , UCC 3-419 ) Fiduciary obligations under trust law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is now my second complaint regards and extra information due to the first claim I have put in they have dis regarded any information within our account they have told us numerous times that they can not disclose any information regarding my account although I am the owner and I dont even know why the amount of money IS MISSING they closed my savings ACCOUNT FIRST BUT KEPT OPEN THE CHECKING IT ALSO STATES I SPENT XXXX but I only ever had XXXX in total. I have videos and proof of them violating my rights and also neglecting this serious of a situation.

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 2025-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I went to deposit cash into the Chase ATM located at XXXX XXXX XXXX XXXX XXXX, WA XXXX United States and the machine took my money. Then it said there was an issue and provided me a blank receipt with a phone number. My account did not show the deposit and the ATM did not return my money. I called the phone number and they were unhelpful as the department that would assist me was closed. They refused to return my money or credit my account the money I deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Account XXXX XXXXI 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I dont recognize XXXX debt should be deleted immediately. Disputing this account under 15 U.S.C. 1681i. improper verification of disputed info. This is not my account ; I have no knowledge of it per 15 USC 1681b. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
This item was purchased by third party XXXX XXXX XXXX XXXX XXXX This account must be deleted as the status is not correct, the amount is not correct and account was paid less than owed by the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

This information is NOT CORRECT & NOT ACCURATE. There For it must be DELETED IMMEDIATELY. 

Here is the Account Name and Number reference and incorrect amount also. 
XXXX XXXX XXXX Account XXXX : XXXX Amount : {$2100.00} How much did the Collection Company pay for this item? I dont know and neither does my credit report reflect such amount. This is a clear Violation the FCRA as this not accurate or complete. DELETE THIS IMMEDIATELY! 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heath. Under the FCRA, I request that you investigate and delete these inaccurate items from my credit report. 

I never lived at XXXX XXXX XXXX XXXX XXXX NY 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 explanation
Consumer complaint received 2025-07-02 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:
Misuse of my personal information in the attempt of applying for credit cards, loans and other financial gains.

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 2025-07-02 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: MD

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. 

XXXXXXXX XXXX accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified to deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are not supposed to 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