vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
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 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I applied for a car loan and I was told only 3 companies were supposed to check my credit i didn't give this company permission to check my credit this practice is misleading for consumer XXXX XXXX didn't say this company would be the checking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Fair debt Collection Practices Act ( 15 U.S.C 1692g. The account information you are reporting to credit bureaus is incomplete and unverifiable. I am requesting for this account to be deleted from all of my consumer accounts (XX/XX/XXXX and XXXX. Please provide complete documentation providing this debt is valid and legally enforceable, including ; 1. The original signed contract/agreement bearing my signature. 
2. A full itemization of the XX/XX/XXXXXXXX Account number ( XXXX ) and {$5800.00} account number ( XXXX ) 3. The name and address of the original creditor and all subsequent owners, with copies of any assignment of sale documents. 
4. Proof that Jefferson Capital SYST is licensed and authorized to collect debts in Alabama. 
5. Chain of custody 6. Securitization 7.The date of last payment Until proper validation is provided, Cease all collection activity, including calls, letters, or credit-bureau reporting . If the debt has been reported, it must immediately be deleted. Failure to comply will result in formal complaints to the Federal Trade Commission ( FTC ) and the Alabama Attorney Generals and may lead to legal action of statutory damages. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, On XX/XX/XXXX, upon discovering that my point balance looked very low, I called CHASE regarding what appeared to be fraudulent redemption transactions on my Chase Sapphire Reserve account over the course of a few months. There were about a dozen transactions on XXXX that I did not recognize. 

I spoke to the fraud department and was told that they should be reversed in 4-5 days. I also called XXXX and had a very a lengthy call/chat alerting them about the transactions. They confirmed that the purchases were not from my XXXX account. 

On XXXX, I called Chase again since only one of the transactions was reimbursed instead of all. It totaled about XXXX points in total, and they reimbursed just shy of XXXX points. My call was forwarded to the fraud department but I was hung up on due to an inexplicable error. 

I called back again on XX/XX/XXXX, I was transferred to the fraud department after having to explain the situation for the third time to Chase, and the fraud department forwarded my call over to another department who handles points. At that point in time, the representative tried to kick me back to the fraud department to my dismay. The representative hesitantly asked what additional points I was hoping to get back so I gave the total of XXXX points. 

As of XX/XX/XXXX, I received a letter stating that those ( lost ) points are my responsibility without any explanation of the decline. I am planning to write a letter to Chase and also get a letter from XXXX. 

Thank you for looking into this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MI

Complaint narrative:
The following reporting accounts are fraudulent please remove now. Transunion and Experian Credit collections opened XXXX with the following account number XXXX {$440.00} XXXX XXXX XXXXXXXX opened XXXX with the following account number XXXX {$390.00} XXXX XXXX opened XXXX with the following account number XXXX {$9700.00} XXXX XXXX  opened XXXX with the following account number XXXX {$2000.00} XXXX XXXX opened XXXX with the following account number XXXX {$770.00}

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 2025-11-23 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: MI

Complaint narrative:
The following reporting accounts are fraudulent please remove now. Transunion and Experian Credit collections opened XXXX with the following account number XXXX {$440.00} XXXX XXXX XXXXXXXX opened XXXX with the following account number XXXX {$390.00} XXXX XXXX opened XXXX with the following account number XXXX {$9700.00} XXXX XXXX  opened XXXX with the following account number XXXX {$2000.00} XXXX XXXX opened XXXX with the following account number XXXX {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-11-23 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-11-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
still being harass and my bank account has been overdrawn for more than the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account became negative which I called made complaint letting them no I lost my debit card and someone used it so instead of replacing they money that was tooken from me the said I had to pay which I had a negative balance of XXXX I think its not fair that they dont look into things much better

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 2025-11-23 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XX/XX/GSBANK USA 110001 * * * * * * {$2700.00} CAPITAL ONE 517805 * * * * * * {$740.00} CAPITAL ONE 517805 * * * * * * {$740.00} BARCLAYS BANK DELAWARE 000480 * * * * * {$0.00}

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 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Procollect in its submission to the CFPB has twice stated that it has instructed the credit bureau to delete the collection record it reported on my credit report with the credit bureau to be deleted. Yet, it has not provided this evidence and XXXX is still reporting this record on my credit report.

I want Procollect to do what it says in its submission to the CFPB it would do and that is to take action to delete the collection record from my credit 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 explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to dispute the accuracy of information appearing on my credit report. The item in question is being reported based on third-party information from Lexis Nexis that has not been verified by the court, which makes it incomplete and inaccurate under the Fair Credit Reporting Act ( FCRA ). Per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX Lexis Nexis provided third party unverified information to the credit bureas.

I have confirmed that the court did not verify or provide this information to your bureau. Under FCRA 609 and 611, you are required to ensure all information you report is accurate, verifiable, and obtained from a reliable source. Because this information is being reported from a third partyand not from the court itselfit is unverified and must be corrected or deleted. 

I am requesting that Lexis Nexis,XX/XX/XXXXandXX/XX/XXXX Conduct a reinvestigation of this item ; Provide the name and contact information of the furnisher they relied on ; Provide documentation proving the validity of the information, specifically confirming receipt directly from the court ; Delete the information from my credit report if it can not be verified with primary documentation from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK USA / TARGET CARD Address : XXXX XXXX XXXX, XXXX, MN XXXX Account : XXXX Status : Charge-Off Balance : {$0.00} ( charged off / paid ) Violations : re-aging, charge-off date inconsistencies, should not show past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: NY

Complaint narrative:
Equifax took XXXX points in XX/XX/XXXX & XX/XX/XXXX XXXX different years and XXXX different times Equifax took XXXX points from my credit score and I made on time timely payments every month to XXXX and XXXX reports my on time payments to all XXXX credit bureaus. Equifax had no reason to take XXXX points from me in XX/XX/XXXX & XX/XX/XXXX from my credit score I feel like Equifax is discriminating against me because this is not the XXXX time they did this to me. Equifax do not and did not give me XXXX points in XXXX month for on time payments so they had not right to take XXXX from me for no reason when I make on time payments Equifax need took XXXX Points in XX/XX/XXXX and XX/XX/XXXX Equifax Need To Correct Error and Pay For Damages. XXXX points in XXXX month for XXXX month that is a lot of points they do not give me XXXX points every when making on time payments -Discrimination - Also Equifax.com keep Saying Login Information Is Incorrect when login information is correct and I changed password numerous times in passed year everytime Equifax stated information was not correct. This happens numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing unauthorized hard inquiries that were placed on my credit file without my knowledge or written consent. Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish my credit file if the furnisher had a permissible purpose and written authorization.

I have requested documentation proving my authorization under FCRA 609 ( e ) and FCRA 611 ( a ), but the credit bureau and the furnisher failed to provide proof. 

I am requesting the CFPB to compel the credit bureau and the furnisher to produce evidence of my written authorization or delete the inquiries immediately, as they are reporting without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: OH

Complaint narrative:
DELETE THIS FRAUDLENT ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX : XXXX BALANCE : {$4300.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX BALANCE : {$2200.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX BALANCE : {$2600.00} DATE OPEN : XX/XX/XXXX XXXX  ACCOUNT XXXX BALANCE : {$8600.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT XXXX BALANCE : {$580.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$710.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  ACCOUNT XXXX BALANCE : {$1100.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$100.00} DATE OPEN : XX/XX/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 2025-11-23 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: OH

Complaint narrative:
DELETE THIS FRAUDLENT ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX : XXXX BALANCE : {$4300.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX BALANCE : {$2200.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX BALANCE : {$2600.00} DATE OPEN : XX/XX/XXXX XXXX  ACCOUNT XXXX BALANCE : {$8600.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT XXXX BALANCE : {$580.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$710.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  ACCOUNT XXXX BALANCE : {$1100.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$100.00} DATE OPEN : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: AZ

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 2025-11-23 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:
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 2025-11-23 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: IL

Complaint narrative:
Someone used my information without my knowledge or consent to open up fraudulent accounts.It was fraud.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I already sent Experian a notice telling them they do not have my permission to use or sell my name or any version of my name. I also sent an affidavit and gave them 10 days to correct my records. They received these by mail and through my first CFPB complaint. 

Instead of dealing with my notice, Experian sent me an email saying my request was suspicious and they would not act on it. Then they sent another email saying they could not process it under FCRA because I did not give them a normal dispute about a specific account. 

I am not disputing one account. I am telling Experian to stop using my protected name and any derivatives without my consent. They are still using, storing, and selling my information even after I gave them notice and a deadline to cure. 

This follow-up complaint is because Experian refused to properly investigate the issue and continues to use my information without authorization.

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