vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX Chase bank sent a charged off credit card to a attorney to put a lien on my home. In XX/XX/XXXX I settled the credit card debt and the lien was released by Chase. Now 10 years later Chase sent me a 1099 C for the amount of {$8900.00}. I was informed by Chase they wrote off another amount in XXXX. When I spoke with the charge off department at Chase on XXXX they said they still show I owe XXXX. I can not get this resolved with Chase and was only given a fax number to send my disputed information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
What happened : After moving out of XXXX XXXX in early XXXX, I received a bill from XXXX XXXX claiming I owed {$860.00} for alleged damages. FABCO later reported this balance to the credit bureaus. 
However, the charges are false and abusiveXXXX XXXX  own inspection form states Full carpet replacement Original XXXX, proving the carpet was already seven years old when I left. Under Ohio law, this is considered normal wear and tear, not tenant damage. 
Additionally, I received emails from XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX, confirming that maintenance entered my apartment to replace the microwave and dryer due to equipment issuesnot damage caused by me. Despite this, XXXX charged me for those same appliances. 
XXXX also applied my {$200.00} security deposit, yet continued billing an extra {$680.00}, providing no photos, invoices, or signed inspection showing tenant-caused damage. This is double charging and violates state and federal consumer laws. 
I previously disputed this with XXXX, but FABCO failed to verify the debt. I am now asking the CFPB to investigate and require deletion of this false debt from my credit reports under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Between XXXX and XX/XX/XXXX I received multiple texts ( every two weeks ) from XXXX XXXX. During these months, I didn't pay attention to it because I thought it was a scam or an error. However, I saw that there was a collection company filed on my credit report. I decided to call XXXX XXXX XXXX XXXX and they told me that it was from Best Buy company. They refused to give me any extra information. 

The week of XXXX XXXX I went to Best Buy  XXXX XXXX and the store manager accessed my account and gave me some account information with receipts. He confirmed my purchases and the closing date of my credit card. He printed the receipts with some account/purchase information. 

The same week, I called Best Buy Customer Service Two Times. The first time the customer service agent didn't give me any information other than the collection company number. The second time, the customer service representative said that they will send me a letter with account details. I never received that letter. 

On XX/XX/XXXX I called Best Buy/Citi Bank Credit Card complaint number. The customer service agent stated that he wasn't able to verify my information and couldn't give me any information on my account due to security reasons but that I should call back one-two hours later. When I called back one hour later, the automated voice system didn't allow me to talk to a representative because I don't have my credit card number. My social security number wasn't enough to verify my identity. 

I refuse to pay this so called debt as I am sure that I have paid the full balance amount before closing my credit card in XXXX. In addition, I want to understand the details of the collection. For over three years, I have not received any letters or any forms of correspondence from Best Buy. Where does this debt collection come from?

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 2025-10-21 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: TN

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies on my credit report and unauthorized inquiries that have negatively impacted my creditworthiness. Despite my efforts to resolve these issues directly with the reporting institutions, these discrepancies persist. 

1. Incorrect Address Reporting : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX This address is incorrect and should not appear on my credit file. 

2. Accounts Reporting Late Payments or Charge-Offs Inaccurately : XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$1900.00} Reported as late payment XXXX  ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$2200.00} Reported as late payment XXXX XXXX XXXX ( Account : XXXX XXXX XXXX XX/XX/XXXX, High Credit {$500.00} Reported as charge-off XXXX XXXX XXXX  ( Account : XXXX ) Opened XX/XX/XXXX XXXX High Credit {$3000.00} Reported as collection XXXX XXXX XXXX  ( Account : XXXX ) Opened XX/XX/XXXX XXXX High Credit {$16000.00} Reported as charge-off XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account : XXXX ) Opened XX/XX/XXXX Reported as charge-off XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$2400.00} Reported as charge-off XXXX XXXX XXXX  ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$520.00} Reported as charge-off XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$250.00} Reported as late payment XXXX XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$720.00} Reported as late payment XXXX XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$550.00} Reported as late payment XXXX XXXX  ( Account : XXXX ) Opened XX/XX/XXXX Reported as charge-off 3. Unauthorized Credit Inquiries : The following inquiries were made without my authorization and are violations under FCRA Section 604 ( a ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I demand an immediate investigation into these discrepancies and unauthorized inquiries. All incorrect information must be corrected or removed, and I expect written confirmation that the necessary changes have been made. Failure to resolve these issues promptly may leave me with no choice but to pursue legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon review of my credit reports from Experian, TransUnion, and Equifax, I identified seven factual discrepancies for the same account. The information reported by the three credit bureaus does not match and should be reviewed for accuracy and consistency. The discrepancies are as follows : 1.High Balance : Experian and TransUnion report {$15000.00}, while Equifax reports {$13000.00}. 

2.Last Verified Date : TransUnion lists XX/XX/XXXX ; Experian and Equifax show no verification date. 

3.Date of Last Activity : TransUnion shows XX/XX/XXXX, Experian XX/XX/XXXX, and Equifax XX/XX/XXXX XXXX 

4.Date Reported : TransUnion and Experian both show XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 

5.Date Opened : Experian and Equifax list XX/XX/XXXX, but TransUnion lists XX/XX/XXXX. 

6.Closed Date : TransUnion reports XX/XX/XXXX, while Experian and Equifax leave this field blank. 

7.Last Payment Date : TransUnion and Experian show XX/XX/XXXX, but Equifax reports XX/XX/XXXX. 

These inconsistencies indicate inaccurate or incomplete data reporting among the credit bureaus. I am requesting a reinvestigation and correction to ensure that all information reported is factually accurate and consistent across all three credit reporting agencies.

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 2025-10-21 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: TX

Complaint narrative:
XX/XX/year> i had an increase of XXXX points with TransUnion the next day up till the XXXX they have decreased my score and added the negative remarks. they sent me a letter to my email from my online dispute saying that it was verified as accurate. I have sent the 3 dispute letters over the last 3 months as well and nothing has happened They are destroying credit, keeping me from obtain positive credit history, causing stress. My next step will be to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
XX/XX/year> i had an increase of XXXX points with TransUnion the next day up till the XXXX they have decreased my score and added the negative remarks. they sent me a letter to my email from my online dispute saying that it was verified as accurate. I have sent the 3 dispute letters over the last 3 months as well and nothing has happened They are destroying credit, keeping me from obtain positive credit history, causing stress. My next step will be to sue.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Once again, their response to my claim says transaction done with the chip but I didnt have the card on me, it was not me!!! 
How is that proof that I made the transaction if I am telling you I didnt have it. 
If you truly think I did it, give a good reason. If I had said from the beginning my card had been lost ( like it was, I simply messed up and thought I had it ) if I had said the card was lost, you wouldnt have had a reason to reject my claim. So why now? 
Give me a phone number, or an address, or any merchant info to go to them and show you I didnt do it. 
If you dont have that info is because the merchant is bogus, is fraudulent and you are hiding behind an unreasonable excuse to not refund me and respect my XXXX liability right. 
The phone number you give on your emails is fake! I stayed twice already for over XXXX hours and no one responds, I have responded to your emails and no one responds. 
If at this point you can not refund me, why? XXXX .. let me know so I can move on to getting a lawyer to sue you or contact my state attorney general for legal advice. 
I have already filed a police report and my detective pretty much said you are hiding and going against my consumer protection rights. He also said the merchant is bogus and thats why you guys have no info on them.

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 2025-10-22 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 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 explanation
Consumer complaint received 2025-10-22 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: IL

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates
State: GA

Complaint narrative:
HILLCREST DAVIDSON & A is falsely reporting on my credit. I have never had any accounts with them. Per my research HILLCREST DAVIDSON & A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$2400.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$670.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$380.00} Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$190.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I requested the assignment contract, a copy of the contract with my wet signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief