vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
I have been fighting bureaus for a yr now and they arent investigating properly, i barely get a response from them my next plan is to sue them in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The transaction in question is in the amount of {$79.00} which was originally reversed by my bank Chase Bank. Then Chase Bank re-reversed the charge recently took it out of my checking balance as a debit transaction. I have contacted their fraud department with no help to resolve this charge which is unauthorized. This is why I am making a complaint against Chase Bank. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint narrative:
Complaint Statement : My name is XXXX XXXX. I had a Wells Fargo checking account opened in XXXX and closed in XXXX. Wells Fargo processed an unauthorized payment from my account without my permission. This caused hardship and forced me to close my account.

I am requesting a full investigation, refund, and confirmation that I was included in Wells Fargos redress programs. 

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 2025-11-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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 2025-11-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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 2025-11-18 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Prime Recovery LLC
State: OK

Complaint narrative:
b"On Friday XXXX XXXX XXXX  I got call from number XXXX XXXX XXXX, but did not answer they did leave a voice that owed $XXXX to XXXX, but I had never subscribed to. I also received an Email in my spam folder from them claiming to be Prime Recovery LLC stating the same thing. When I tried call them back no answer even though it within the time frame. On today's date XXXX XXXX XXXX they called again, missed the call, but was able to call them back. As I called I started to get suspicious that this was a scam so I hang up the phone. After this I was sent another Email stating that I must take action now to avoid further action. I also looked up XXXX  I then went to see is if it trust worthy and it did not seem so I believe this a complete scam."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
In XXXX XXXX, I was a member of XXXX XXXX. During this period, the gym was closed due to COVID-19 government shutdown orders, and members did not have access to the facility or services. Despite the gym being closed, I was charged for membership fees that should not have been billed.

On my credit report, Aldous & Associates is reporting two separate collection accounts, both for {$890.00}, each showing an opened date of XX/XX/XXXX. These appear to be duplicate accounts for the same issue. 
I never received any itemized bill, notice of debt, or communication before these accounts were placed in collections and reported to the credit bureaus. I never received validation of the debt.

I previously attempted to dispute the accounts directly with the credit bureaus, but the disputes were rejected because Aldous continued to verify the accounts without providing validation. I attempted to contact Aldous & Associates by email, but the email address on file was returned as undeliverable.

I requested debt validation, including a signed membership contract, billing statements, and proof that XXXX XXXX was open during the dates billed, but no validation has been provided. Because the gym was closed during the time the charges occurred, the alleged debt is not valid.

I am seeking the removal of both collection accounts because the debt is unverified, duplicated, and based on charges during a time when the gym was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
Eastern Account System is reporting a collection account on my credit report even though the alleged debt has never been properly validated under federal law. I did not receive the required initial validation notice or any documentation proving that this account is mine or that Eastern Account Systems has the legal authority to collect or furnish information about it.

I requested validation, but Eastern Account System failed to provide : The original signed contract or agreement A complete payment ledger or accounting record A chain of assignment or bill of sale showing lawful ownership of the debt Any supporting documents verifying the amount allegedly owed Despite having no verifiable documentation, Eastern Account System continued to report this information to Experian and possibly other consumer reporting agencies. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) because a furnisher may not report information that is incomplete, inaccurate, or unverified.

It also violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires collectors to cease collection and provide verification before continuing to pursue the debt or reporting it to a credit bureau.

Because Eastern Account System has not demonstrated that this alleged account is valid, accurate, or legally collectible, their reporting is unverified, incomplete, and unlawful. This has caused damage to my credit profile and is materially misleading.

What I Believe the Company Did Wrong Reported unverified information to a consumer reporting agency ( FCRA 1681s-2 ) Failed to provide required validation upon request ( FDCPA 1692g ) Continued furnishing information without verifying accuracy Failed to provide accounting, contract, or assignment documentation Reported information that can not be substantiated.

What I Want : I am requesting : 1. Immediate deletion of the Eastern Account System collection account from all consumer reporting agencies, including XXXX, XXXX, and XXXX.

2. Written confirmation that the account has been deleted and will not be reinserted without full documentation.

3. An investigation into Eastern Account System for reporting unverified and incomplete information.

Supporting Laws Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or reasonably should know is inaccurate.

FCRA 611 / 1681i Information must be fully verifiable.

FDCPA 1692g ( b ) Collector must cease collection until verification is provided.

GAAP Material Accuracy Rules No ledger, no validation ; unverifiable entries can not be reported as factual debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I DID AN APPLICATION FOR A CAR WITH XXXX XXXX XXXX JUST A FEW WEEK LATER I RECEIVED A LETTER IN THE MAIL FROM CAPITAL ONE WITH A LETTER OF DENIAL I ALSO CALLED FOR A RECONSIDERATION AND WAS TOLD THAT THEY COULD NOT DO THAT I ALSO ASKED TO SPEAK WITH THE SUPERVISOR SHE TOLD ME THAT IT'S ALL DONE BY A AUTOMATED SYSTEM AND THAT'S THE REASON THEY CAN NOT DO ANYTHING ABOUT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
This legitimate complaint demands immediate attention. My credit report includes inaccurate information that violates the standard of maximum accuracy. These errors are causing severe, ongoing harm to my life. I insist on a thorough investigation and the prompt correction or removal of all inaccuracies. Resolution is not just necessary it's critical.

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 2025-11-17 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
I sent Syncom the explanation of benefits from my insurance, showing what I owed to the dentist and they sent me a statement that do not corroborate. The dentist collected the insurance and didnt adjust the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-17 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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