vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was a victim of a scam/ponzi scheme. On XX/XX/year> I paid {$10000.00} to XXXX XXXX to set up and run an automated cleaning business. It was promised to be launched in 90 days. Not only has the business not been launched, they've forced me to pay {$140.00} a month in software fees, which was not in the original contract. It has been one lie after another. There is even a XXXX group with over XXXX members who have also been scammed out of money. My lawyer has emailed and sent a certified letter ( email on Friday XX/XX/XXXX and letter on XX/XX/XXXX ) to the owner XXXX XXXX XXXX ( XXXX ) a letter which she has ignored. If you XXXX her or XXXX XXXX XXXX XXXX  you will find out a lot of people have been scammed. I have all the emails and contracts and screenshots documented. She has terminated the XXXX in an attempt to hide the money she's stolen. 

You can view the XXXX  group of others that were scammed : XXXX XXXX XXXX XXXX has taken down websites to try to hide the promises she's broken. She has knowingly defrauded many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
In reference to case XXXX XXXX This is a continuation of a previously closed complaint. National Credit Systems failed to properly validate the debt. They provided a balance statement but no judgment, no ledger showing the debts origin, and no explanation for rejecting rental assistance funds issued to resolve the account in full after a signed addendum. The funds exceeded the claimed balance, making their claim invalid. The debt was accepted without proper verification by NCS and has been placed on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a BoA visa credit card ending XXXX which has its first billing statement due on XX/XX/XXXX, and I set up the auto payment on XX/XX/XXXX from my XXXX XXXX account ending XXXX and got a confirmation email saying it succeeded. But on XX/XX/XXXX when the auto payment tried to make the payment, it didn't go through and caused me to miss the due date on XX/XX/XXXX, which resulted in a {$29.00} late fee and {$80.00} interest on the XXXX XXXX. 

I recognized the issue on XX/XX/XXXX and made a manual payment using the same XXXX XXXX account and successfully paid the bill. Then I called XXXX XXXX customer service regarding the failed payment and they confirmed that they didn't receive or reject any payment on XX/XX/XXXX. And then I called the BoA customer service to address the payment issue, and after reviewing the issue, they confirmed the failed payment on XX/XX/XXXX was because there were some internal issues in their online banking system. Also on XX/XX/XXXX, they reported to refund the {$29.00} late fee and the {$80.00} interest, the late fee was approved immediately and the interest refund review took XXXX days but could be approved because there was no fault on my end. However on XX/XX/XXXX, I received the review result that the interest refund was rejected. I contacted the customer service who then told me there's nothing she can do to help with this rejection and connected me to the collection department manager who also gave me the same result, and told me my account might continue to have interest on the next XXXX billing cycles for this late pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am filing this complaint to demand enforcement action against the credit reporting agencies and financial institutions for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801, which guarantees the protection of consumers financial privacy. 

My initial attempt to opt out of the reporting of my XXXX XXXX account was improperly closed due to fraud while I was lawfully exercising my right to opt out. Additionally, the credit reporting agencies have refused to honor my valid requests to opt out of the reporting of my XXXX XXXX account. 

Despite my submission of proper documentation and requests for correction, the agencies have knowingly refused to block or remove inaccurate and unauthorized entries, in direct violation of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, constituting a clear breach of my privacy rights under the GLBA.

Their continued inaction demonstrates a blatant disregard for statutory obligations and consumer privacy protections. This misconduct has caused substantial and ongoing harm to my financial standing and personal reputation.

I am exercising my rights under the GLBA to demand that my nonpublic personal information be safeguarded and not used, shared, or disclosed without my explicit consent. 

Accordingly, I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau. All parties are hereby placed on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Greyhound Capital Group LLC
State: GA

Complaint narrative:
On XX/XX/year>, XXXX rescheduled my bus from XXXX XXXX  to XXXX GA without accessible notice. I am visually impaired and rely on public transportation. 

The schedule change caused me to miss a business engagement and worsened housing instability.

I requested ADA accommodation and goodwill resolution, but Greyhound only acknowledged receipt and never provided a corrective action or refund. This violates the ADA ( 42 U.S.C. 12101 et seq. ) and DOT accessibility regulations ( 49 C.F.R. 37 ).

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint regarding my closed JPMCB account that is being reported with late payments and a charge-off status. 

This account was closed and settled, yet JPMCB continues to report it with multiple late payments and a charge-off balance that I do not owe. I have contacted JPMCB to resolve the issue and to request verification of the information being reported, but I have not received proper documentation to support the accuracy of these entries. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and verifiable information. Reporting late payments and a charge-off on an account that is closed and has a {$0.00} balance is inaccurate and misleading. This continued reporting is negatively impacting my creditworthiness and does not reflect the true standing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-06 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: NC

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 2025-11-06 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:
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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XXXX XX/XX/year> I responded to a letter from Jefferson Capital regarding an alleged debt. I mailed the letter certified which they received on XXXX XX/XX/year>. In that letter I included a copy of my drivers license, and a copy of a utility bill as verification of address. I requested proof a validation, change of custody of the debt, and an agreement between all parties involved to determine accuracy of the alleged debt. I also requested to be contacted strictly through mail, and for them to respond in 30 days. On XXXX XX/XX/year> I sent another certified letter which they received on XXXX XX/XX/year> requesting any updated information and or a formal removal of the collection account from my credit report in accordance with the FDCPA and the FCRA. We are now in XX/XX/year> and they have failed to respond to any of my letters and have failed to remove themselves off of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IA

Complaint narrative:
There are multiple accounts being reported under my name that I did not authorize, open, or manage. These are clearly fraudulent and likely the result of identity theft. This situation is unacceptable, as it falsely reflects my financial behavior and damages my credit standing. I take my credit and identity security seriously, and seeing these unauthorized accounts on my report has caused me serious distress and 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am writing in response to the collections attach to the file report. I will like these collection and charge offs to be deleted off the credit report. This is the 10th time l 've disputed this debt. Be advised that neither collection agency responded to my dispute. In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 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:
This letter constitutes a formal request for correction of my credit file. The referenced accounts are fraudulent and unauthorized. I request their removal and a proper inquiry. Documentation is attached.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX regarding a fraudulent account with XXXX XXXX XXXX responded on XX/XX/year>, by providing me with a copy of my XXXX report. Although the XXXX XXXX account no longer appears, I noticed that another fraudulent account, reported by JPMCB, is still being displayed and shared by XXXX. 

This account is the result of identity theft and should not be reported under any circumstances. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605XXXX ), XXXX is required to block and remove all information that the consumer identifies as resulting from identity theft within four business days of receiving appropriate notice and documentation.

Company response to consumer: Closed with explanation