vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting Possible Finance Account To Whom It XXXX Concern, I am submitting this complaint regarding XXXX XXXX and the inaccurate reporting of my account information to the consumer reporting agencies Equifax, XXXX XXXX XXXX 

The debt associated with my XXXX XXXX account has been paid in full, and my balance is XXXX. Despite this, all three credit bureaus continue to report this account inaccurately. I have provided documentation to the bureaus and to XXXX XXXX verifying the account was paid ; however, the information remains uncorrected. 

This ongoing inaccurate reporting is causing harm to my credit profile and is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate and complete information and to update records when debts are resolved. 

I am requesting the XXXX assistance to : Have Possible Finance update and correct the account to show Paid/Closed with a XXXX balance, and Ensure Equifax, Experian, and TransUnion correct their records to reflect the accurate status of this account. 

I have enclosed supporting documentation, including proof of payment and recent credit report entries showing the inaccurate reporting. 

Thank you for your attention and assistance regarding this matter. I look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: AL

Complaint narrative:
This company XXXX XXXX XXXX is calling my family members trying to get in contact with me. someone named XXXX told XXXX of my brothers to tell me to check my email. this is illegal

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 2025-11-04 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-04 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-04 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: IL

Complaint narrative:
I am filing this dispute because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was never informed of their addition. The inconsistencies found across the XXXX credit bureaus are concerning and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates credit agencies to ensure the maximum possible accuracy of reported information.

This also violates 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which ensures that consumers receive full and accurate disclosure of their credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 2025-11-04 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 2025-11-04 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: MI

Complaint narrative:
Per the Fair Credit Reporting Act ( FCRA ), all reported information must be completely factual and correct. The accounts referenced in my attached letter contain inaccuracies that have caused me harm, and I demand that they be deleted immediately to remedy this violation.

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 2025-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
DISPUTE FILED WITH XXXX LETTER SENT ATTACHED NO RESPONSE SPOKE TO XXXX TRANSUNION REFERENCE NUMBER XXXX DISPUTE DIDN'T GO THROUGH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-04 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: MD

Complaint narrative:
Dear Equifax, I am writing to dispute the following accounts on my credit report as I believe they contain inaccuracies or incomplete information. The following accounts are showing as " XXXX XXXX '' and need to be reviewed for correction. 

Charged Off Accounts : MFC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I believe this account should be marked as " Paid '' or removed, as it reflects incorrect status information. Please review the account history and make necessary corrections. 

Innovative R Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Dispute Reason : This accounts balance is inaccurate. Please verify the outstanding amount and the accuracy of the accounts reporting. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Dispute Reason : The reporting for this account is incorrect. Please verify the account 's details and make the necessary adjustments. 

Inquiries : Capital One Date of Inquiry : XX/XX/XXXX Dispute Reason : Please confirm that this inquiry was authorized and correctly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Transaction date was XX/XX/XXXX for XXXX separate transactions from same merchant. XXXX for the amount of {$3500.00} and the other for the amount of {$2300.00}. I filed a dispute with Chase for these transaction XXXX times, but all of the times the dispute got close. I went to XXXX for vacation and purchased some jewelry, which I believed were real gold and diamond. When I came back to the states to get it appraised, everything turned out to be fake. I called Chase to dispute these charges but they turned it down because the scammer provided receipts showing I purchased tequila. I have not purchased any alcohol from them. I thought it was weird how they were asking me for my ID at the time of purchase, but I thought it was because I was making big purchases. They planned everything out to provide to the bank if I file a dispute which is exactly what happened. If you look up their business, they are permanently closed and the address that is on the receipt does not exist. I provided all of this information to the bank and they still are not disputing the charges because the merchant has proof that I made the transaction. Yes, I am aware I made the transactions but the items I purchased are fake and they are also stating I purchased alcohol instead of these fake jewelry. I am being scammed for thousands of dollars.. These merchants are in XXXX scamming people. I have been with Chase for over 15 years and also have a business credit card, personal credit card, and savings account with them but they are siding with the scammers even when I have submitted invoices and all the evidence to show they are fraud. Chase is saying they are not able to do anything else. They keep telling me to settle with the merchant but what is there to settle? They are scamming people with fake jewelry saying its real and defending themselves with the disputes as alcohol. Why would they agree to give me my money back when they intentionally sold me fake products to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MO

Complaint narrative:
This is a follow-up regarding the complaint I previously filed about inaccurate items that Equifax continues XXXX report despite my repeated disputes and submissions of documentation. Ive done everything a consumer can reasonably do Ive provided proof, followed instructions, and waited for Equifax to handle the matter properly. Yet the same information that should have been deleted is still showing on my credit report, and my confidence in the process has slowly eroded with every delay. 

I know that under the Fair Credit Reporting Act, Equifax is required to conduct reinvestigations that are fair, thorough, and timely, and that unverifiable or inaccurate data must be deleted. But from my perspective, it feels as though the reinvestigation process was either rushed or automated without meaningful review. The consequences for me have been very real limited credit opportunities, emotional distress, and the feeling that my efforts to correct these wrongs are being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 disputing the following accounts that appear inaccurately on my credit report with TransUnion. These accounts are marked as " charged off '' and I believe they XXXX be inaccurately reported or unverifiable. Please review these items and ensure that they are correctly reported in compliance with the Fair Credit Reporting Act ( FCRA ). If these items can not be verified, I request that they be removed from my credit report. 

XXXX XXXX XXXX XXXXXXXX ) - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX ) - Date Opened : XX/XX/XXXX - Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX  ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX  XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$540.00} XXXX FUNDING ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$620.00} XXXX FUNDING ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$910.00} XXXX FUNDING ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX FUNDING ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX CRED ( XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$990.00} XXXX  ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$920.00} XXXX  ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$10000.00} XXXX XXXX XXXXXXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$34000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts : None listed for TransUnion. 

Late Payments : None listed for TransUnion.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed from my 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 2025-11-04 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: TX

Complaint narrative:
The record in question is erroneous and misleading. I request that it be investigated and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
XXXX XXXX XXXX  I filed for XXXX. I also submitted reaffirmation paperwork for the auto loan. I was never late, never missed a pay and wanted to keep my truck. Once the XXXX  was dismissed, the entire account disappeared from all XXXX credit bureaus. Ive called bridgecrest several times and just get a run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc.
State: IL

Complaint narrative:
I ATTENED XXXX XXXX XXXXXXXX XXXX IN XXXX XXXX  OF XX/XX/year>. I ATTENED THAT SCHOOL WITH MY XXXX XXXX XXXXXXXX ALREADY IN MY POSESSION IN HOPES OF SECURING A JOB WITH XXXX XXXX. XXXX XXXXXXXX PARTNERED WITH XXXX TRANSPORT TO XXXX XXXX XXXX XXXX DRIVERS. UPON ATTENDING SELECT DRIVING SCHOOL, I WAS GIVEN A SALES CONTRACT TO SIGN STATING I WILL PAY SELECT XXXX XXXX XXXX MONEY IF I FAIL TO WORK FOR XXXX XXXX FOR XXXX  MONTHS. PARAMOUNT CAPITAL GROUP IS THE LOAN COMPANY THAT WORKS WITH XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENTS MONEY FOR THE SALES CONTRACT. I WAS ASKED TO RESIGN FROM XXXXXXXX XXXX  ON XX/XX/year> DUE TO ME REQUESTING MORE TRAINING FROM XXXX XXXX  BECAUSE I DID NOT RECEIVE THE PROPER XXXX TRAINING FROM XXXX AND FELT MY LICENSE WAS IN DANGER. SINCE THEN I HAVE CANCELLED THE SALES CONTRACT FROM XXXX XXXX XXXX IN XX/XX/year>. THE SALES CONTRACT HAS NO CANCELLATION DATE WRITTEN ON IT THERFORE I HAVE NO DEADLINE TO CANCEL SUCH CONTRACT. I HAVE SINCE CONTACTED PARAMOUNT CAPITAL GROUP OF THIS LOAN BECAUSE IT HAS AFFECTED MY CREDIT SCORE TREMENDOUSLY SINCE I HAVE NOT MADE ANY PAYMENTS TO THE SALES CONTRACT FROM XXXX. PARAMOUNT SAYS THE ONLY WAY TO CANCEL THE CONTRACT/LOAN AND REMOVE IT FROM MY CREDIT IS IF XXXX XXXX XXXX SENDS PARAMOUNT A LETTER FROM XXXX  XXXX XXXX OFFICE CONFIRMING THE LOAN HAS BEEN CANCELLED. XXXX XXXX XXXX HAS NOT SENT THE LETTER AND HAVE YET TO UPDATE ME WITH ANY INFORMATION OF THE CONTRACT CANCELLATION. I HAVE FAXED AND EMAILED THEM MULTIPLE TIMES OF THIS ISSUE WITH NO SUCCESS ON GETTING IT RESOLVED. THE CONTRACT FROM XXXX XXXX XXXX ALSO STATES IF THERE ARE BLANK SPACES LEFT WITHIN THE CONTRACT TO NOT BE SIGNED, THEREFORE I SHOULD NOT HAVE SIGNED THE CONTRACT ORIGINALLY BECAUSE IT WAS INCOMPLETE. PARAMOUNT WAS NOT SENT MY FULL CONTRACT FROM SELECT DRIVING SCHOOL SO THEY ARE UNAWARE OF THE UNLIMITED TIME FOR ME TO CANCEL MY CONTRACT. XXXX XXXX XXXXXXXX IN XXXX XXXX  HAVE SINCE BLOCKED MY NUMBER AND I CAN NOT CONTACT THEM.

Company response to consumer: Closed with explanation