vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX  and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
Personal statement : I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-06-09 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: NY

Complaint narrative:
Personal statement : I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
My credit report states that there is a debt in collections in my name to a " National Credit Systems '' in XXXX, GA. I have received neither a written nor any electronic communications about this debt, have had no chance to dispute it, and believe it to be illegitimate. My credit report states that the debt has been open since XX/XX/year>, so I believe enough time has passed that contact should have been made by now. I had a debt collection case dismissed earlier this year in which a fraudulent debt had been incurred in my name at a previous address, and was served papers at my current address. I therefore do not believe my most recent move to be a valid excuse for a lack of contact either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CT

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 2025-06-09 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: CT

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 non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX TX XXXX ACCOUNTS : INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: AZ

Complaint narrative:
I had a checking account with Chase. On XX/XX/2025, a {$45000.00} check was deposited into my account ( check deposit ID : XXXX ). The check was in pending status initially and cleared by XX/XX/XXXX, with funds available for use. On the same day ( XX/XX/XXXX ), I sent a {$25000.00} wire transfer to my friend, XXXX XXXX, and the wire was successfully processed. 

However, on XX/XX/XXXX, when I tried to send a XXXX payment, it was blocked. Upon contacting Chase, I was informed that they had decided to close my account and that it would be closed within XXXX business days. I was also told that once the account was closed, I would receive a cashiers check for the remaining balance. I agreed and waited. 

Later, I was told that an internal investigation had been initiated to verify the funds, but I was not given any reason, timeline, or update about the progress. I also learned that XXXX XXXX 's account was being closed by Chase as well. As of XXXX XXXX, when I followed up again, Chase stated XXXX the investigation was ongoing but refused to provide any clear explanation or timeframe for releasing my funds. 

It has now been more than XXXX business days since the account closure, and I have not received the cashiers check or any meaningful update. Chase is withholding my money without clear communication, deadlines, or justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because TransUnion continue to report inaccurate and unverifiable information on my credit report, despite multiple disputes submitted over 3 times. These credit reporting agencies are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires them to ensure the maximum possible accuracy of all reported information.

Additionally, they have failed to comply with FCRA Section 1681i, which mandates a proper reinvestigation of disputed items within 30 days. Instead, I have been met with repeated delays, lack of proper investigation, and continuous re-verification of the same inaccurate accounts. 

I am a recipient of government assistance and these inaccurate reports are directly affecting my ability to secure stable housing, access credit, and improve my financial situation. Their actions have caused me financial, emotional, and mental distress. 

They are also ignoring their responsibilities under FDCPA Sections XXXX by continuing collection efforts and reporting practices that are deceptive and harmful, especially to someone in my vulnerable financial position.

This behavior may also violate 42 U.S.C. 407, which protects the rights and benefits of individuals receiving federal aid, by placing undue hardship through inaccurate credit reporting.

I am demanding immediate deletion of the inaccurate accounts, a full reinvestigation under FCRA guidelines, and appropriate penalties or enforcement actions against the bureaus for noncompliance. 

FOR THE FOLLOWING ACCOUNTS THAT ARE INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX 3 times with different inaccurate balances : {$200.00}, {$500.00}, and {$1200.00} XXXX XXXX XXXX an inflated and disputed balance of {$4700.00} XXXX Reporting a disputed balance of {$180.00} XXXX XXXX inaccurately 2 times : {$530.00} and {$1000.00} XXXXXXXX XXXX  Reporting 3 different balances : {$1400.00}, {$1600.00}, and {$1700.00} XXXX XXXX XXXX ( Collections ) Reporting {$2400.00} with no proper validation of debt INQUIRIES THAT ARE NOT MINE XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) 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 2025-06-09 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXXXXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted 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 explanation
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXXXXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-09 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: VA

Complaint narrative:
FTC / CFPB Complaint Report Complainant : XXXX XXXX XXXX SSN ( Last 4 Digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Summary of Complaint I am submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable negative items currently reported on my credit reports with Experian, TransUnion, and Equifax. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and contribute unfairly to the suppression of my credit score.

Violations Cited FCRA 609 ( a ) ( 1 ) : Inability to provide verifiable, complete documentation from original creditors.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate or delete inaccurate or unverifiable information within 30 days.

FCRA 623 ( a ) ( 5 ) : Furnishing of outdated or incomplete data.

FCRA 607 ( b ) : Failure to maintain maximum accuracy in reporting.

FDCPA 809 ( b ) : Failure to validate debts ( in the case of collections ). 

Affected Accounts Experian XXXX XXXX ( 8 accounts ) Charged off and past due, inconsistent reporting. 

XXXX XXXX XXXX XXXX XXXX No debt validation, balance discrepancies. 

TransUnion XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Days Late ( XXXX ). 

XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Paid Charge-Off still marked derogatory. 

XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Paid Charge-Off, negatively impacting score. 

Equifax XXXX XXXX ( Same charged-off accounts as Experian, presumed reporting to Equifax ) . 

XXXX XXXXXXXX ( Reported delinquency and charge-off status ). 

XXXXXXXX XXXX  Paid in full but listed as derogatory.

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 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am writing regarding an auto loan issued for account number XXXX. I believe your company engaged in unethical lending practices by approving that loan without verification of my ability to fully fulfill said obligation via the signed contract. Since the car has already been charged off. But not auctioned off yet. I would like to have a lien release and a letter of uninterest and the car returned immediately without charges. Based on the violation of the federal regulations Truth In Lending act. At the time of signing. Your loan representative failed to request any documentation on my ability to afford the vehicle which is required by federal law. I was rushed to sign documents with a XXXX XXXX interest rate with payments exceeding ability. And caused significant financial strain. XXXX ' the fact that I was able to make some payments in the amount {$990.00} a month. I failed to maintain said payments as my income did not align with my ability to fully fill the payment obligation. I propose this immediate resolution to retain my vehicle and possibly enter a new agreement based on my ability to afford and to satisfy/ remedy this issue without legal involvement. I also have filed a complaint with the Georgia Attorney General 's Consumer Protection division as well as the Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2024 - {$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