vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus.The Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 2 ACCOUNTS ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a contract with XXXX and ended the contract on XXXX, XXXX, XXXX. There was no payment due and I got my Certificate Of Completion. After 3 months I find I they post a charge on my account AFTER I terminated my contract with XXXX balance. I contacted Chase the bank and I explained to them I didn't authorize this transaction and they didn't cooperate with me to solve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX DNF Associates LLC [ Insert DNFs Address if known ] Subject : Formal Dispute and Debt Validation Request Fraudulent Accounts Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681g/ 1681i Dear DNF Associates, This letter serves as my formal notice that the accounts listed below are the result of identity theft and do not belong to me. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. Immediate removal of all records related to these accounts from your internal records, any third-party debt purchasers, and from all credit reporting agencies.

2. Validation of debt as required under 15 U.S.C. 1692g, including a full breakdown of the alleged debt, signed agreements, and proof you are legally authorized to collect it.

3. Cessation of collection efforts until proper documentation is provided and the investigation is complete. 

The fraudulent accounts include : 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 ( Fraudulent filing ) I have never applied for, opened, or authorized these accounts. Under 1

5 U.S.C. 1681c-2, I am asserting my rights as a victim of identity theft and demanding that all reporting and collection activity on these items be permanently deleted.

Enclosed, if requested, I can provide : A copy of my FTC Identity Theft Report A government-issued photo ID Proof of address Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Illinois Attorney General, and potential legal action for willful violations. 

Sincerely, 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 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
This letter is to formally dispute the repossession-related debt Exeter finance claims I owe under Account XXXX. I am requesting full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), including the following documentation : A copy of the original signed loan or financing agreement. 
An itemized list of repossession fees and charges applied to the account. 
Documentation of the notice of repossession and my right to cure the default ( as required by law ). 
Evidence that your office has the legal authority to collect on this account. 
Until this debt is validated, I request that all collection efforts stop and that no negative information regarding this debt be reported to the credit bureaus. If this debt is already being reported, it must be marked in dispute. 

Please respond within 30 days of receiving this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One continues to report an account as charged off with several late payments but refuse to provide any other information to me for me to verify this information. This account has not been properly verified because I have no way of knowing rather this account belongs to me or not. The account number is incomplete and does not identify an actual account that can be identified or marked as belonging to me. Each complaint that I Capital One alleges that they need more information or will respond but this never happens. I have received no correspondence regarding this alleged account and no statements. The Consumer Financial Protection Bureau needs to immediately investigate Capital One 's business practices because consumer have a right to verify rather debt is accurate. 

My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and this is my only name and address. My date of birthday is XXXX and the last four of my social security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I requested my report to be updated due to inaccurate information on my Equifax credit report. I called in and went over every account that was reporting incorrect. I sent in my ID, my recent bill, and my social security card to prove my identity. Equifax would not update my Credit report to correct information. I went log in and have error message of : Please give us a call and give this code to agent : XXXX. It states my credit report, and score is not available as of XXXX. I have called in XXXX times asking for my report to corrected with no work being completed on my report. Equifax refuses to complete my request causing me strain and stress as I attempt to obtain my accurate consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by XXXX. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint XXXX XXXXXXXX resulted in successful removal of unverifiable account data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect 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

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
A collection account from AMSHER COLLECTION SERVICES appeared on my credit report with a balance of {$500.00}. I do not recognize this debt and have never had any accounts with AMSHER COLLECTION SERVICES or its original creditor. The account is reported as opened on XX/XX/year>, but I have no knowledge of owing any such debt. 
I contacted AMSHER COLLECTION SERVICES to validate the debt but have not received any documentation proving the debt is mine or that they have a legal right to collect it. 
Given the lack of verification and proof, I am requesting the removal of this inaccurate collection account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : URGENT Fraud Dispute & Removal Request Under FCRA and Florida Identity Theft Law To Whom It May Concern, I am writing to formally dispute several accounts and inquiries listed on my Experian credit report. These entries were fraudulently opened without my knowledge or consent. I am a victim of identity theft, as outlined in Florida Statute XXXX and the Fair Credit Reporting Act ( FCRA XXXX ). 
Please investigate and permanently remove or block the following accounts and inquiries : Collections ( Unauthorized Accounts ) XXXX XXXX XXXX {$270.00} Opened XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) {$280.00} XXXX XX/XX/XXXX Credit Cards XXXXXXXX XXXX {$1200.00} XXXX XX/XX/XXXX Closed Student Loans XXXX XXXXXXXX XXXX ( All Fraudulent ) XXXX {$520.00} Opened XX/XX/XXXX XXXX {$3700.00} Opened XX/XX/XXXX XXXX {$3900.00} Opened XX/XX/XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX {$2200.00} Opened XX/XX/XXXX XXXX {$540.00} Opened XX/XX/XXXX Unauthorized Hard Inquiries XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I am not including a copy of the credit report, but I am enclosing a valid Identity Theft Report as defined by the FCRA. Please consider this formal request to block and delete all fraudulent items listed above and confirm completion of this request in writing.

Thank you for your prompt attention. 
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 2025-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : URGENT Fraud Dispute & Removal Request Under FCRA and Florida Identity Theft Law To Whom It May Concern, I am writing to formally dispute several accounts and inquiries listed on my Experian credit report. These entries were fraudulently opened without my knowledge or consent. I am a victim of identity theft, as outlined in Florida Statute XXXX and the Fair Credit Reporting Act ( FCRA XXXX ). 
Please investigate and permanently remove or block the following accounts and inquiries : Collections ( Unauthorized Accounts ) XXXX XXXX XXXX {$270.00} Opened XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) {$280.00} XXXX XX/XX/XXXX Credit Cards XXXXXXXX XXXX {$1200.00} XXXX XX/XX/XXXX Closed Student Loans XXXX XXXXXXXX XXXX ( All Fraudulent ) XXXX {$520.00} Opened XX/XX/XXXX XXXX {$3700.00} Opened XX/XX/XXXX XXXX {$3900.00} Opened XX/XX/XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX {$2200.00} Opened XX/XX/XXXX XXXX {$540.00} Opened XX/XX/XXXX Unauthorized Hard Inquiries XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I am not including a copy of the credit report, but I am enclosing a valid Identity Theft Report as defined by the FCRA. Please consider this formal request to block and delete all fraudulent items listed above and confirm completion of this request in writing.

Thank you for your prompt attention. 
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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report. Please remove this account from my report, as I do not recognize it. I have had various fraudulent activity for several years and it is hurting my ability to obtain credit. Thank you for your help!

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 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In early XX/XX/XXXX, I logged into my Bank of America XXXX app and found over 20 credit cards listed under mXXXX XXXX XXXX screen, despite only having two active BofA cards. These entries appeared as legitimate links to payment accounts, and I immediately took a screenshot. 
When I visited a local branch to report the issue, I was told that the interface had changed and that they were no longer visible. No one at the branch could provide a case number or review the issue further. I was instructed to contact fraud support via phone only, which provides no documentation or XXXX XXXX. 
Separately, in XX/XX/XXXX, I had to close and reopen my account due to a confirmed fraud issue involving an unauthorized XXXX link. Bank of America assured me that a 90-day fraud review would take place, but as of XX/XX/XXXX, I have received no written follow-up or case closure. 
I am concerned that my account may have been compromised, that linked accounts are being added or manipulated without my consent, and that Bank of Americas fraud systems may be suppressing visibility of problematic data after it is reported. Their phone-only fraud response system makes it impossible to verify anything in writing.

This has severely disrupted my business operations, planning, and confidence in the integrity of my account.

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 2025-05-07 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: GA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: KY

Complaint narrative:
I am submitting this formal complaint against Equifax due to their continued reporting of inaccurate and inconsistent information compared to other major credit bureaus, despite having previously disputed these accounts. The discrepancies in data such as high credit limits, dates of last payment, and charge-off dates demonstrate a lack of uniform verification procedures and a failure to uphold Fair Credit Reporting Act ( FCRA ) standards. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reports high credit as {$0.00}, credit limit as {$300.00}. 
- Equifax reports high credit as {$200.00}, credit limit as {$0.00}. 
- Date of last activity differs between XXXX  ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ). 
- Experian marks several late payments in XXXX, while Equifax reports " OK '' for same months. 
- Balance, payment status, and charge-off designation are inconsistent. 

XXXX. XXXX XXXX XXXX  XXXX XXXX  reports high credit as {$0.00}, credit limit as {$300.00}. 
- Equifax reports high credit as {$330.00}, credit limit as {$0.00}. 
- Date of last activity differs : Experian lists XX/XX/XXXX ; Equifax lists XX/XX/XXXX. 
- XXXX  shows late payments for nearly all months in XXXX and XXXX, but Equifax shows most months as " OK ''. 
- Inconsistent balances and collection statuses. 

These inconsistencies are harming my creditworthiness and do not reflect accurate or verifiable information across all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NV

Complaint narrative:
Hello My Name Is XXXX XXXX XXXX, Enclosed you will find years of disputes between myself and XXXX XXXX for years. They have been verified year after year, causing harm to my credit score since XXXX XXXX My Experian ACCOUNT STATUS differs from XXXX  and XXXX credit reports 2 The DATE OPENED differs from all three credit reporting agencies XXXX The HIGH CREDIT differs in reporting from all three credit reporting agencies. 
XXXX The CREDIT LIMIT differs in reporting with all three major reporting agency. 
XXXX. The PAYMENT STATUS experian has UNKOWN in addition to still carring a balane since XXXX. Theirs also inconsistency from all three credit reporting agency. 
XXXX The DATE LAST REPORTED differs in reporting from all three credit reporting agency. 
XXXX The comments left on my credit report for the unknown is amazing. 
XXXX Remove/Delete This account from my credit report. In noway does it reflex FCRA codes no accuracy.

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 2025-05-07 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have check in my credit report XXXX account wish I don't recognize Bank XXXX XXXX Date : XX/XX/year> XXXX XXXX. Date : XX/XX/year> XXXX XXXX  Date : 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