vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir/Mam, I am writing to formally dispute the accuracy of an account being reported solely by TransUnion under the furnisher name XXXX, with account number XXXX ( partially redacted for privacy ). I believe this account is inaccurately and inconsistently reported, which may be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account reflects the following : Type : XXXX XXXX  ( Open Account ) Balance : {$15000.00} Past Due Amount : {$15000.00} Status : Collection/Chargeoff Last Reported : XX/XX/scrub>/2025 Date of Last Payment : XX/XX/year>2025 Reporting Bureau : TransUnion only This account does not appear on either XXXX  or XXXX, raising concerns about its accuracy and completeness under FCRA 1681e ( b ), which mandates that consumer reporting agencies maintain the maximum possible accuracy of the data they furnish. If the account were fully verified and valid, it would be reasonably expected to appear across all major credit reporting agencies.

Additionally, there are concerns regarding the validity of the balance and status updates, and I have not received supporting documentation verifying this accounts accuracy.

In accordance with FCRA 1681i, I am requesting that the Consumer Financial Protection Bureau initiate an investigation into this reporting. If the account can not be fully verified with supporting evidence that complies with federal law, I respectfully request that it be removed from my TransUnion credit file.

Ive included a copy of my credit report, government-issued ID, and proof of address to support this request.

Thank you for your time and consideration in protecting consumer rights and ensuring the accuracy of credit information. 
Sincerely, 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 2025-06-22 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: NJ

Complaint narrative:
Theres a collection on my account thats not reporting the true expiration date of the dept the dept is pass the statue of limitation for New Jersey but the collection agency is illegally reporting thie using the day they received it and did not fully validate the dept to show the FDOD correctly this dept first date of delinquency is from XXXX which its supposed to stop reporting this as of 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a valid identity theft block request to Experian under the Fair Credit Reporting Act ( FCRA ), Section 605B, on XX/XX/year>. 

My submission included : A formal 605B request letter A valid FTC Identity Theft Report A copy of my government-issued ID A utility bill for proof of address Experian confirmed receipt, but then improperly denied my request on XX/XX/year>, stating without written explanation that they did not believe the request came from me. I was also told I could not speak to a supervisor, which further obstructed my rights.

Under FCRA 605B, the credit bureau is legally required to block fraudulent information within XXXX business days of receiving a complete request. If they refuse to block, they must provide a written explanation within XXXX business days. Neither happened. 

I have now resubmitted my full package with notarization, and Im seeking CFPB enforcement to ensure Experian complies with federal law and removes all fraudulent items from my credit report.

I am attaching : My original 605B letter My resubmitted ( notarized ) 605B documents My identity theft affidavit A copy of my FTC Identity Theft Report Proof of delivery from 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 2025-06-22 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: CA

Complaint narrative:
Account in Dispute : XXXX {$180.00} Complaint Summary : Jefferson Capital Systems is reporting a fraudulent debt I never authorized. I have no connection to this account or creditor.

Relief Requested : Cease and desist, delete this entry from all credit bureaus, and provide documentation of original agreement and assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Account in Dispute : XXXX {$1500.00} Complaint Summary : Unauthorized collections and reporting of a fraudulent account I never opened. I am a confirmed identity theft victim, and this violates my consumer rights. 

Relief Requested : Cease and desist, delete account immediately, and provide investigation files, chain of assignment, and contract. 



Account in Dispute : XXXX {$760.00} Complaint Summary : There is no contract between me and Portfolio Recovery Associates. I never authorized or signed for this account. 

Relief Requested : Remove the account, produce forward flow agreement and original signed documentation, and provide full method of verification. 



Account in Dispute : XXXX {$680.00} Complaint Summary : This is an invalid account placed in my name without my knowledge or authorization. No proof of ownership has been produced.

Relief Requested : Delete from credit report, confirm deletion in writing, and provide entire document trail. 



Account in Dispute : XXXX {$2600.00} Complaint Summary : This debt is not mine. Portfolio can not produce any contract or legitimate evidence to justify this reporting. 

Relief Requested : Immediately block this account, deliver full validation documents, including original agreements and investigation summaries. 



Account in Dispute : XXXX {$2700.00} Complaint Summary : This is a fraudulent entry damaging my credit. My FTC Identity Theft Report is active and supports my claim. 

Relief Requested : Cease reporting and collections, provide a copy of any signed contract or permanently delete this account. 



Account in Dispute : XXXX {$3800.00} Complaint Summary : Portfolio is reporting an illegitimate debt I never incurred. This is a direct violation of FCRA 605B and maximum accuracy standards.

Relief Requested : Remove entry, block data, and submit full documentation including contract, chain of assignment, and verification method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX, a third-party collection agency reporting an account to Equifax that XXXX believe is inaccurate, unvalidated, and should be removed from my credit file. Despite my prior dispute with Equifax, the account was marked as verified, but no proper documentation or supporting evidence was ever provided to me.

Account Details : Creditor / Collection Agency : XXXX XXXX XXXX. 

Original Creditor : XXXX XXXX XXXX : {$470.00} Account Number : * XXXX ( partial ) Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance as of XX/XX/XXXX : {$470.00} Creditor Address : XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX I am requesting the CFPB to review and assist with the removal of this collection account for the following reasons : XXXX. Lack of Proper Validation : I have not received any documentation that proves this debt is valid and that I am legally obligated to pay it. Specifically, there has been no itemized statement of charges from XXXX XXXX or evidence that XXXX XXXX has the legal authority to collect on this debt. 


XXXX. No Evidence of Fair Investigation : My previous dispute was returned by Equifax as meets FCRA requirements, but neither Equifax nor XXXX XXXX provided the basis for verification. Under the Fair Credit Reporting Act ( FCRA ) Section 611, data furnishers must provide accurate and verifiable documentation during an investigation. Without this, the account should be removed.

3. Disputed but Still Damaging : Although the account reflects that I dispute the information, it continues to negatively impact my credit profile with an unpaid collection status, which is misleading and unfair without full validation.

4. Potential Billing or Account Error : I do not recall owing this debt or having any unresolved balance with XXXX XXXX. There is a possibility of a billing error, outdated charge, or mistaken identity, none of which has been resolved through the proper validation process. 

I request that this account be fully investigated by the CFPB, and that documentation of the alleged debt be provided. 

If the debt can not be fully validated, I am asking that it be removed from my Equifax credit report in accordance with the FCRA. 

I also request confirmation that XXXX XXXX and Equifax are both complying with federal regulations related to fair and accurate reporting. 


Thank you for your time and attention to this matter. I respectfully request your assistance in resolving this issue in a fair and timely manner. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX of XXXX  I contacted XXXX in regards to the collection they say I owed. I told them that the equipment was returned as requested and I no longer owe that bill. They refuse to send me a statement or receipt saying the equipment was returned. The representative put me on hold and looked into it and then responded saying it shows it was returned so therefore I do not owe that bill. I asked if they could send me something stating that I do not owe that and they said they cant do that. I told them I wanted it off my credit report and its not being removed. I have disputed it a few times and nothing is being done about it.

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 2025-06-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/XXXX, a charge of {$620.00} was made to my Chime card by XXXX for weight loss medication. However, I never received it. So, I called the company and let them know that I wanted my money back because I had not received the product. They obliged and said that they issued a refund, and it would take XXXX business days for it to show back up in my account. To this day, I have not received a refund, so I disputed the charge on XX/XX/XXXX and included the email that was given to me by the merchant, giving me the refund. On XX/XX/XXXX, they denied my dispute. That same day, I asked for the information they used to arrive at that decision, and I still haven't received anything!!! I don't know how they denied it when I gave them the email that the merchant sent to me saying they issued the refund!! I'm fed up with the run around that to much money! I want my money, period! I need that money very badly!! I have attached the same email given to them the time of the dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX Subject : Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX and Credit Reporting Agencies, I am writing to formally dispute the accuracy of the information reported on my credit file concerning account number XXXXXXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to request a thorough reinvestigation of any information I dispute as inaccurate or incomplete. Additionally, 15 U.S.C. 1681s-2 places a duty on furnishers to ensure the information they report is accurate and to promptly correct any errors.

Upon review, I have identified the following inaccuracies related to this account : Account status reported as Derogatory and Charge-off Balance and past due amounts listed as {$990.00}, which I dispute as inaccurate Payment status reported as Collection/Chargeoff Credit limit reported as {$0.00} Dates of last payment and last activity reported as XX/XX/XXXX Number of months ( terms ) reported as XXXX These inaccuracies materially affect my creditworthiness and violate the XXXX requirement for accurate reporting. Furthermore, inaccurate reporting may contravene provisions under the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) if the debt is being misrepresented or unlawfully collected. 
I demand that XXXX XXXX and the credit reporting agencies : 1.

Conduct a complete and accurate reinvestigation of the disputed information within 30 days.

2.

Provide all supporting documentation that validates the accuracy of the reported information.

3.

Correct or remove any information found to be inaccurate or unverifiable.

Failure to comply with these requirements will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies available under federal and state laws. 
Please confirm receipt of this dispute and provide written results of your reinvestigation promptly. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: OR

Complaint narrative:
We have been contacted by collections re : XXXX account regarding a modem that was returned to them. we were put into collections prior to XXXX sending us a return box for a modem for an internet account they could not provide service to. we sent the modem back once we received the return mailer. we do not have this piece of equipment as we sent it back to XXXX per their instructions. 

we have contacted the debt agency twice and they do not respond but keep sending us bills our correspondence with the debt agency XX/XX/year>. we have received another bill from them. 

re : debt dispute ref XXXX XXXX XXXX I would like to dispute a debt. We received a debt collection notice from XXXX in reference to an account that we tried to start with XXXX but was never functional and equipment was returned after a delay caused by XXXX not sending a return box after XXXX attempts to receive a return box. 

Basically we tried to set up internet in a rural location, it was non functional and never worked and we cancelled the account and started the process of returning the equipment. 

We contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we finally received the return box on XX/XX/XXXX, sent it back on XX/XX/XXXX and it ( the equipment ) was received by XXXX on XX/XX/XXXX we have emails saying we would get a full refund multiple times so have no idea why this was sent to collections with no service ever provided and XXXX not doing their part to receive the equipment back.We also have transcribed the phone calls promising us we would be mailed a return box which was obviously delayed on their part. 

XXXX XX/XX/XXXX XXXX transcript call they will be able to send you the return kit and once you return the device to us all these fees will be removed Let me get in touch with the tech support XXXX tech support department and I'm gon na get back to you I'm with a representative right now and we are going to send you the return kit I just wanted to make sure that it gets sent to the right address ( acknowledges that they have the wrong address ) they made an escalation form regarding this that they did send it one time but it's not received by you and that I gave them the right address right now and he did tell me it will take between XXXX to XXXX business days so he did mention expected between the XXXX and the XXXX ( In regards to not receiving return box ) I have done an escalation form with the technical support department so that they We'll take a look at that more closely.

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 2025-06-23 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a bank of america checking account for a good amount of time my bank account was hacked and i reported it to bank of america and tried my best to fix the issue instead of helping me bank of america decided to CLOSE MY ACCOUNT resulting in them reporting this to Chexsystems I have been trying to open a bank account to be able to have one as well as i was XXXX assaulted at my last job and resulted in me suing I just received my settlement and I am trying to get an account to keep my money safe and I can not get one anywhere because of this report even though this is not my fault i was hacked and I even called to talk to BOA representative and went into a branch and they said i do not owe any money and they dont know why it is even on my chexsystems report that it should be removed I would really like this to be removed please and I would like to build my relationship back with bank of america if they allowed me a chance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A XXXX XXXXXXXX accident settlement check with the name of my daughter was sent by my attorney. My XXXX  who is here from XXXX temporarily does not have a bank account. So I had her sign the check and than i signed below her. I deposited the check at my chase atm. A few days later when I when to pull money out the bank, I was declined from taking money. With that, I went to the branch and was told the account is restricted. They gave me a number to call. I call the number and the person on the phone said that they will need the phone number of my daughter to verify her in the public records. I went to XXXXXXXX XXXX XXXX and got my daughter a phone. I waited XXXX XXXX  for the phone number to show in public records. I called the number the bank gave me to verify the new phone number. After a long hold they came back and told me it can not be verified. I asked if there was and alternative way, they said no. I called 5 times to see if anything can be found, but nothing. I had my Attorney and my older son, who is also and attorney, on the phone as well, and the representatives became very rude and aggressive on the phone, treating me like a criminal. I went into the branch a month later with my daughter to show verification but they said they can not do nothing but close the account. They told me they will send the money in a check by mail. I waited XXXX weeks and got a check for {$10.00} and nothing for the $ XXXX settlement check they cleared and held on to. My attorney even contacted his bank to have them recall or stop payment but there was nothing that can be done because chase already took the check. My daughter is leaving the United States and need the money to take with her. I need help getting the money and need your help to get chase to stop refusing to hand the money over.

Company response to consumer: Closed with non-monetary relief