vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate 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 non-monetary relief
Consumer complaint received 2025-07-31 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: MS

Complaint narrative:
According to 15USC 1681 e b, Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the reports relate.FDCPA 807. False or misleading representation 15USC 1692e 8. communicating or threatening to communicate to any person credit information which is known to be false, including the failure to communicate that a disputed debt is disputed Encloses is the following items that should be removed from my credit report because of inaccuracies according to 15USC 1681e because it is a violation of my rights. 
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

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 2025-07-31 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:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from XXXX XXXX, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the XXXX, Experian, and XXXX  data breach.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to all credit bureaus regarding inaccuracies, yet no action was taken or addressed. 

I request the removal of all XXXX XXXX and XXXX XXXX bankruptcies from my credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regulates access to consumer credit report records and ensures accuracy, fairness, and the protection of personal information collected by Credit Reporting Agencies ( CRAs ). My right to privacy has been infringed upon, and all credit bureaus have failed to comply with the law 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About XX/XX/2025 my Business Checking Account got restricted and I still can't make any payments or access my own funds. We were told its because we are old customer and my SIGNATURE CARD is way outdated so we went to Chase bank in XXXX XXXX XXXX, California and filled up some forms they were required. Later on the banker called and said she scanned and uploaded the documents but there was a problem with scanner not accepting some BARCODE. I was told to called COMPLIANCE department and these people said they never received ANYTHING and as long as they not going to receive - it will be locked and on XX/XX/XXXX it will be terminated. XXXX XXXX also restricted our XXXX XXXX XXXX they gave us like XXXX  years ago after my wife transfererred {$200.00} out of it just to see if its locked up and it wasnt. We dont owe them any money, there was {$4000.00} in the checking account and apparently they are trying to get rid of us for no reason at all - all the money comes to account thru transfers, no checks involved forever. They constantly say they didnt receive the SIGNATURE CARD which can only be sent by their own personnel using that special SCANNER device. I really don't know what to do, we need to pay bills. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: WV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX closed my debit card and it won't allow me to open a new one and gave me no reason why and said maybe in the future I could get one that is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates is reporting XXXX separate collection accounts ( # XXXX and # XXXX ), both originally issued by XXXX XXXX. These accounts are inaccurately reported across multiple credit bureaus and violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX standards in the following ways : XXXX. Incorrect Date Opened PRA is reporting both accounts with Open Dates in XXXX, which is the date PRA purchased the debtsnot when the original accounts became delinquent. This misleads the system and artificially extends the time these accounts will remain on my credit report. 


XXXX. Misreported Date of First Delinquency ( DOFD ) The correct DOFD for both accounts is XX/XX/XXXX, as confirmed in the Equifax report. However, PRA is listing XX/XX/XXXX and XX/XX/XXXX as the DOFDs in other responses, and the Experian report incorrectly states the accounts will remain until XX/XX/XXXX which doesnt match any DOFD calculation. 


XXXX. Conflicting account statuses across bureaus XXXX reports the same XXXX accounts as Open on XXXX  and Closed on XXXX, creating a clear discrepancy. This is misleading and negatively affects my credit score and application reviews. 


XXXX. Failure to provide full debt validation I requested debt validation directly from PRA. What I received was not compliant with FDCPA 809. The letter lacked a signed contract, itemized transaction history, or proof that PRA has the legal right to collect on either debt. 



I am requesting that the Consumer Financial Protection Bureau compel PRA to : Immediately delete both accounts from all credit bureaus due to repeated and unresolved reporting violations. 

Cease all collection activity, as the debts are time-barred under Colorados XXXX XXXX of limitations ( last payment : XX/XX/XXXX ). 

Provide complete, signed, and legally sufficient debt validation if they wish to continue reporting. 


I have documented evidence, including credit bureau screenshots, XXXX alerts, and the PRA response letter. I can submit these upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
[ SEE ATTACHMENTS FOR TRUE IDENTITY VERIFICATION AND SPECIFIC DETAILS I AM DISPUTING ] I am filing a complaint due to inaccurate personal information appearing on my credit reports, including incorrect name spellings, outdated addresses, unverified employers, and hard inquiries I did not authorize. My personal information has been exposed in multiple data breaches, and I have submitted an FTC Identity Theft Report. Despite this, the credit bureaus have continued reporting information that is either obsolete or can not be verified. These errors increase the likelihood of identity confusion, cross-file contamination, and fraudulent account association. This appears to be a violation of FCRA 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
[ SEE ATTACHMENTS FOR TRUE IDENTITY VERIFICATION AND SPECIFIC DETAILS I AM DISPUTING ] I am filing a complaint due to inaccurate personal information appearing on my credit reports, including incorrect name spellings, outdated addresses, unverified employers, and hard inquiries I did not authorize. My personal information has been exposed in multiple data breaches, and I have submitted an FTC Identity Theft Report. Despite this, the credit bureaus have continued reporting information that is either obsolete or can not be verified. These errors increase the likelihood of identity confusion, cross-file contamination, and fraudulent account association. This appears to be a violation of FCRA 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Larry H. Miller Group of Companies
State: IN

Complaint narrative:
Vehicle was covered by GAP insurance sold in the contract of loan. Accident was reported to prestige as well as the Insurance adjuster affiliated with Prestiges XXXX  contract. Management at prestige  spoke to owner of shop and refused to allow the vehicle to be released stated it was a total loss. Ive went all these years under the impression that the loan was closed and paid by insurance sold to me by dealership under Prestige XXXX. Why would they not have contacted me and wait 4 yrs to start tacking interest on and changing status back and forth. This is currently in litigation and has damaged my credit significantly due to this negative and inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

My right to privacy has been infringed upon. Payments are set to be made under XXXX XXXX XXXX, and these charges should be eliminated in accordance with 15 U.S.C. 1681 et seq., which grants me the right to privacy that has been compromised by credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I opened a chase business checking account and savings account and the first ACH wire transfer from XXXX XXXX  was restricted by Chase. The amount was {$35000.00} in early XXXX. An additional {$31000.00} was then deposited and Chase closed the account and there is no record of the account that I can see. I have been through the personal banker at the local branch, the branch manager, something called the consumer resolution group and now have the case assigned to the executive office group. To date I still can get no information and no answers as to why Chase is continuing to hold these funds inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, my Bank of America account ending in XXXX was used for multiple unauthorized transactions totaling over {$18000.00}. I did not authorize these charges and never gave anyone permission to use my card or PIN. 

On XX/XX/year>, I lost my wallet, debit card, and phone, but I later discovered that some fraudulent activity had already occurred prior to that date. On XX/XX/year>, I filed a police report with the XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX ) and discovered a hidden surveillance camera in my bathroom, which may be connected to the ongoing identity theft. 

I submitted a formal fraud appeal to Bank of America on XX/XX/year>, but several claims were either denied or never listed in the dispute system. I have not yet submitted a new FTC Identity Theft Report but plan to do so with all supporting documentation. 

I am requesting that the CFPB investigate this matter and require Bank of America to conduct a proper review and reimburse the stolen funds.

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 2025-07-31 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-07-31 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/XXXX XXXX ( Last 4 digits ) : XXXX DOB : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Dispute & Complaint Requesting Investigation XXXX  Reporting Violations Dear CFPB Representative, I am writing to formally dispute inaccurate and unverifiable information listed in my XXXX  consumer file, and to request your intervention under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act. 

The following institutions have reported accounts to XXXX  which I am disputing : 1. Discover Bank - Date of Closure : XX/XX/XXXX - Reported For : Account Abuse - Amount : {$190.00} - Status : Unpaid - RTN/ACCT # : XXXX / XXXX - Dispute Reason : Per FCRA 611 ( 15 U.S.C. 1681i ), I dispute the completeness and accuracy of this record. There is no evidence that Discover properly validated or verified this alleged debt per consumer law. I demand full validation under FCRA and FDCPA including original account records, signed contracts, chain of custody, and payment history. If such records can not be produced, this listing must be deleted.

2. XXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Reported For : Suspected Fraud Activity - Status : No Monetary Loss - RTN/ACCT # : XXXX / XXXX - Dispute Reason : This listing lacks factual backing, proof of fraud, or documentation showing due process. Reporting " suspected fraud '' without court judgment or investigation results violates due process under FCRA 605 ( b ) and may constitute defamation and negligence. There is no monetary loss, and no formal charges or convictions are attached to this record.

3. XXXX XXXX  XXXX - Date of Closure : XX/XX/XXXX - Reported For : Overdrafts - Amount : {$120.00} - Status : Unpaid - RTN/ACCT # : XXXX / XXXX - Dispute Reason : Per FCRA 609 and 611, I am requesting full validation and itemization of this alleged overdraft. No supporting documentation proving the debt, the legitimacy of the charges, or authorization for reporting has been presented. Without this, XXXX  must remove this listing. 

Request for Relief - I request a full reinvestigation of all the above listings.

- If the data furnishers can not provide complete and verifiable evidence within 30 days, these records must be permanently removed under FCRA.

- I further request that CFPB intervene if XXXX  or the furnishers fail to comply, per your jurisdiction over banks and consumer reporting agencies. 

Enclosures : - Copy of XXXX  Report - Proof of Identity ( ID, utility bill, SSN ) - Any relevant correspondence I request a written response to this dispute in compliance with FCRA timelines. I appreciate your time and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation