vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am contacting you regarding a collection account that continues to appear on my credit report despite being paid in full. The debt has been fully satisfied, yet the account is still being reported as an active collection, which is both inaccurate and unfairly damaging to my credit standing. 

Credit reporting standards require that once a debt has been settled, it must not continue to be reflected as an open or active collection item. The continued reporting of this account is misleading and a violation of accurate reporting requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: PA

Complaint narrative:
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am formally requesting validation of this debt. Please provide all documentation that verifies : 1. The name of the original creditor, and the amount of the debt. 2. That you are legally authorized to collect this debt in my state. 3. A detailed payment history showing how the amount was calculated. 4. A copy of the signed agreement or other documents showing I agreed to this debt. Until you provide the above information, I am requesting that you cease all collection efforts, including reporting this alleged debt to credit reporting agencies, in accordance with federal law. Please be advised that I am keeping a record of all correspondence regarding this matter. If you are unable to validate this debt, you must cease collection efforts and remove any negative credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-09-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-12 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: MD

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX | XXXX XXXX XXXX  | XXXX XXXX XXXX | XXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MD

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX | XXXX XXXX XXXX  | XXXX XXXX XXXX | XXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and has been hindering my ability to obtain credit. These accounts have been reinstated without my CONSENT, NOTIFICATION or METHOD OF VERIFICATION after being REMOVED and DELETED OVER FOUR TIMES. This has been an ongoing ASSAULT OF AGGRAVATED IDENTITY THEFT ( 18 U.S.C. 1028A ). PLEASE REFER TO THE ATTACHED DOCUMENTS.

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 2025-09-12 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I do not owe a debt to the company they state. They have not provided any details as to why they believe I owe this debt. I received a notice from XXXX XXXX XXXX on XX/XX/XXXX attempting to collect on a {$500.00} debt. I replied to them asking them to provide, as required by the fair debt collection practices act, a verification of : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Florida 5. proof of the last payment made on the account, and the name and address of the original creditor. 
On XX/XX/XXXX, I received another letter from the company that states " This is an attempt to collect a debt, '' with instructions on how to pay them online. Neither in this communication nor any other communication to date have they provided me with verification of the debt, a copy of any judgement, or the name AND ADDRESS of the original creditor. They also did not disclose to me the right to dispute this account. Therefore, by making continued attempts to collect on this alleged debt, they are in violation of the Fair Debt Collection Practices Act, Section 809. 

Finally, while I do have documentation of my payments to their client, it is difficult to understand what documents will be responsive to provide them in a dispute as they refuse to verify the debt or provide any details regarding it. I am happy to provide documentation pertinent to the case once they are clear in why they believe I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Sapphire Reserve ( CSR ) cardholder. On XX/XX/XXXX, I purchased health supplements for {$730.00} at XXXX XXXX XXXX XXXX. The merchant refused to accept a return without justification. 

In XX/XX/XXXX, I filed a legitimate Dispute with Chase under the CSR Return Protection benefit, which is an official cardholder program designed to reimburse purchases if the merchant refuses a return. I requested : 1. Refund of the purchase amount ( {$730.00} ) 2. Reversal of all interest charges related to this transaction 3. Confirmation that my claim would be properly logged and handled Instead, Chase deliberately misclassified my Dispute as Fraud, repeatedly issuing replacement cards without resolving my claim. I contacted Chase multiple times by phone in XXXX XXXX. On XX/XX/XXXX, a Chase banker helped me fax supporting documents, confirmed via email. On XX/XX/XXXX, Chase requested additional information, but I had already provided all relevant documents. 

As a result, I was charged {$24.00} in interest on XX/XX/XXXX, {$21.00} in interest on XX/XX/XXXX, and additional interest accrued due to Chases delays. This mishandling caused financial loss and unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on [ insert date ] regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : XXXX Account # XXXX Late payment ( s ) reported on XX/XX/2025 In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
In XXXX my account stated getting reversals. I called and told Chase customer service that I did not do it. Stop the reversals. Everyday when I used the card a reversal would be issued the next day. Then would be added as a new transaction the following day. This went on three more times. I then had a real problem with 2 transactions, when I called about the transactions. I was treated like a criminal and told, that is not what you said earlier, I can now deny them and you will not get your money back. I called again and received a different woman who told me to send in the proof. I proceeded to send the reciepts and the code that was inactive for proof, still denied.Someone was calling before me and telling them she did not use that card. I thought they had gotten the 2 accounts messed up because it was happening every time I used it. So much for voice recognition, because it wasnt me. On XX/XX/XXXX my account was closed by Chase, The same day my SSI went into their bank, I have no access to my account, no way to see what came out, what was paid and no way to get to my money .. On XXXX, I went to the local branch in XXXX and the manager told me he couldnt do anything to the account once it is suspended. I wanted to see what was paid, He couldnt help me and said after the XXXX of XXXX call this number. I said I needed the money but he told me I had to XXXX XX/XX/XXXX, I recieved XXXX in a cashiers check from Chase Bank. No statement about where the money went or how they came up with that amount. That check was XXXX short of what was in the bank. Along with XXXX in transactions they denied because I had proof the cards didnt activate. Along with 3 late credit card payment of XXXX a piece. Their must be a law out there saying they cant do that to people, lowering my credit score because bills need paid on time.I called Chase again XXXX XXXX to see where the rest of my money went was transfered 4 times and still cant get a statement til after the XXXX of the month. Access again denied. To my calculations they still owe me XXXX. I want to know what happened to my money and if they are going to make it right.I tried to tell them they were mixing something or someone up they wouldnt listen. I cant attach any proof because it is all on their secured website. I do have the 2 Transactions that I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-12 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: IN

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: PA

Complaint narrative:
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am formally requesting validation of this debt. Please provide all documentation that verifies : 1. The name of the original creditor, and the amount of the debt. 2. That you are legally authorized to collect this debt in my state. 3. A detailed payment history showing how the amount was calculated. 4. A copy of the signed agreement or other documents showing I agreed to this debt. Until you provide the above information, I am requesting that you cease all collection efforts, including reporting this alleged debt to credit reporting agencies, in accordance with federal law. Please be advised that I am keeping a record of all correspondence regarding this matter. If you are unable to validate this debt, you must cease collection efforts and remove any negative credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: MD

Complaint narrative:
XXXX/Koalafi is inaccurately reporting an installment account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) as closed on XX/XX/XXXX  with a high balance of {$6300.00} but still showing a current balance of {$8700.00}. This is not my debt. The account was closed, yet a balance continues to be reported that is higher than the recorded high balance, which is impossible. This reporting is misleading, inconsistent, and in violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate and complete information. XXXX XXXX

Company response to consumer: Closed with explanation