vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: MO

Complaint narrative:
Re : Systemic FCRA & CFPA Violations by Equifax, Experian, XXXX, and multiple furnishers. I hereby submit this complaint for persistent, willful, and negligent misconduct in violation of federal consumer protection law. 
Collections/Derogatory Accounts : XXXX XXXX XXXX ( {$6200.00} ) on XXXX  only ; Account # XXXXXXXX XXXX  ( {$140.00} ) on Equifax only XXXX Both remain unverified, yet continue to be reported in violation of FCRA 1681i and 605B. 
XXXX XXXX XXXX : {$650.00} late account, plus inconsistent reporting of multiple open accounts. This constitutes inaccurate reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
Hard Inquiries : My reports reflect XXXX inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Many are duplicative or outdated, reported without permissible purpose, in violation of FCRA 1681b ( c ). 
Personal Information : Outdated address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and employer ( XXXX XXXX ) remain in my file, violating accuracy requirements under FCRA 1681i. 

Additional Violations : Failure to properly code consumer disputes under Metro 2.

No written reinvestigation results provided within statutory timelines ( FCRA 1681i ( b ) ). 
Continued reporting of obsolete information and reinsertion of disputed tradelines without proper certification ( FCRA 1681i ( a ) ( 5 ) ).

Violations of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibiting unfair, deceptive, or abusive acts and practices.

I reserve all rights to pursue statutory damages, injunctive relief, and attorneys fees. These systemic failures have caused over a XXXX drop in my credit score, hindering my financial opportunities and quality of life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management Services is reporting an account on my credit file that does not belong to me. I have no knowledge of this account, never applied for credit with the original creditor, and never signed or agreed to any contract connected to this debt.

Despite this, NCB is furnishing inaccurate information to the credit bureaus. Their reporting also contains contradictions : XXXX  lists the account as Individual responsibility, while XXXX  lists it as Joint responsibility.

XXXX  shows the account as a Collection, while XXXX  reports it as Collection/Charge-Off.

XXXX  shows Terms : 1 month, which is inaccurate because collections do not have repayment terms. 

XXXX payment history shows months with C ( Collection ) m

ixed with ND ( No Data ), which is incomplete and misleading.

These contradictions and the fact that the account does not belong to me violate the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, and 623 ).

I have disputed this with the credit bureaus, but the account remains. This is damaging my credit and misrepresenting my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
for XXXX months now after making a large lump sum for fees and mortgage payment, the online billing systeem and the paper bil being printed and distributed are not matching. 
this has already been brought to the attention of bsi, but i received the latest bill with sttatement date of XX/XX/year> and is wrong again. 
bsi is showing a payment amount of XXXX for XX/XX/year>. 
the explanaton of the charge list the current monthly payment of XXXX and total fees and other charges of XXXX. 
bsi needs to correct the paper bill to reflect the correct information. 
it should only show a payment due for XX/XX/year>. 
no fees or other charges should be listed. 
please have them correct their errors. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/year> a company named Credit karma launch a campaign for a new credit card in which if I dont get approved I will get {$50.00}. The application was submitted and received and negative results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-08 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: TN

Complaint narrative:
I am writing to formally file a complaint against XXXX  regarding inaccurate information contained in my credit report. 

On XXXX submitted a request to XXXX  for the removal XXXX all inaccurate and unauthorized information appearing on my credit report. The inaccuracies are a direct result of a data breach that occurred with XXXX  in XX/XX/year>. Because of this breach, my personal information was compromised, leading to accounts and/or entries that do not belong to me being reported under my credit profile. 

I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that XXXX  promptly investigates my dispute, removes any and all inaccurate items resulting from this breach, and provides written confirmation of the corrections to my credit report. 

The continued reporting of inaccurate and fraudulent information is causing harm to my creditworthiness and overall financial well-being. I have complied with my responsibilities as a consumer by promptly disputing these inaccuracies, and I now ask for regulatory intervention to ensure XXXX  upholds its obligations under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

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 2025-09-08 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: I.C. System, Inc.
State: TN

Complaint narrative:
I am writing to formally file a complaint against XXXX  regarding inaccurate information contained in my credit report. 

On XXXX submitted a request to XXXX  for the removal XXXX all inaccurate and unauthorized information appearing on my credit report. The inaccuracies are a direct result of a data breach that occurred with XXXX  in XX/XX/year>. Because of this breach, my personal information was compromised, leading to accounts and/or entries that do not belong to me being reported under my credit profile. 

I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that XXXX promptly investigates my dispute, removes any and all inaccurate items resulting from this breach, and provides written confirmation of the corrections to my credit report. 

The continued reporting of inaccurate and fraudulent information is causing harm to my creditworthiness and overall financial well-being. I have complied with my responsibilities as a consumer by promptly disputing these inaccuracies, and I now ask for regulatory intervention to ensure XXXX  upholds its obligations under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Nothing just said report stays as is when I paid bill in full XXXX XXXX. Full Amount {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report that are hurting my ability to obtain credit.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I was pulled over and arrested for not having a valid license my car was not impounded my wallet and cell phone was left inside the car with the keys... When I was released on XX/XX/XXXX I received information that a woman had drove off in my car I was told her name and address and when I went to her house she had my car my wallet and my phone after receiving my phone wallet and car I checked my chime app and she had sent {$800.00} to her chime account from my account she had my phone and wallet for 4 days she found my PIN and stole my money She admitted to taking my money I filed a police report I called chime customer service disputed the transactions and sent in all the documents showing it was not me who made these transactions chime approved the small transactions of {$53.00} and XXXX more for {$6.00} but they will not approve the {$800.00} and they can not give me any detail information on how they came up with their decision to approve the small amounts and not the large amount of {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To : Equifax, Experian, Transunion Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o amount {$880.00}, {$590.00}, {$380.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 

Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Under 1692 ( c ), I am requesting that you cease reporting these items until you have verified their accuracy, as required by 1692 ( g ). I demand that you respond to this dispute within 72 hours and remove the referenced items from my credit report if they can not be verified.

Please provide me with written confirmation of the outcome of your investigation at your earliest convenience.

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX  account ending in XXXX was fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX XXXX ( Finance ) XX/XX/year> 2- XXXX  ( Finance ) XX/XX/year> 3- XXXX XXXX ( Bank ) XX/XX/year> 4- XXXX XXXX  ( Bank ) XX/XX/year> 5- XXXX ( Bank ) XXXX XXXX, XXXX  6- XXXX XXXX  ( Bank ) XX/XX/year> 7- XXXX  XXXX ( Auto ) XX/XX/year> 8- XXXX XXXX  ( Bank ) XX/XX/year> 9- XXXX XXXX  ( Bank ) XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The late payments are effecting my credit report and score. It's causing a disrupting burden to my family. It's really effecting our lively hood and severely causing a drastically struggle. There's kids and babies involved.

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 2025-09-07 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:
Please check attachments and DELETE the following fraudulent negative accounts from my report. XXXX Account # XXXX. XXXX Account # XXXX XXXX XXXX Account # XXXX. Fraudulent address XXXX XXXX XXXX XXXX XXXX TX XXXX. Please Delete all of this fraudulent information from my report immediately.

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 2025-09-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX Discover Bank ( Discover Card ) FCRA Violations ; Continued Charge-Off Reporting & Failure to Issue 1099-C ( Acct. * XXXX ) To Whom It May Concern, I am filing a complaint against Discover Bank ( Discover Card ) regarding account ending * XXXX. 

Discover first reported this account as a charge-off in XX/XX/year> and has continued reporting it as charged off up to todays date, which I believe is inaccurate and misleading. Under FCRA, 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation upon dispute and correct or delete information that is inaccurate or incomplete. I request CFPB intervention to ensure Discover removes this tradeline or updates it to an accurate, non-misleading status.

Additionally, Discover has refused to provide a Form 1099-C for my tax records. If a cancellation of debt or other reportable event occurred, a 1099-C is required under 26 C.F.R. 1.6050P-1.

Company response to consumer: Closed with explanation