vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: CA

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 XXXX 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 XXXX. 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 explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-30 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because XXXX XXXXk continues to report inaccurate information to XXXX XXXX, and TransUnion after my XXXX XXXX bankruptcy discharge. 

My bankruptcy was fully XXXX, meaning all included debts were legally eliminated. However, as of XX/XX/XXXX, I received an alert showing that XXXX XXXX updated an account ( ending in XXXX, opened XX/XX/XXXX ) with descriptors such as BANKRUPTCY XXXX  XXXX, BANKRUPTCY DISCHARGED, and VARIABLE/ADJUSTABLE RATE. This update caused my XXXX  score to drop by XXXX points and continues to misrepresent the accounts true status. 

This account was included in my XXXX XXXX bankruptcy and should be reported across all XXXX  credit bureaus as : XXXX in Bankruptcy {$0.00} balance Closed. 

By continuing to report or update this account post-discharge, XXXXXXXX XXXX is in violation of : The Fair Credit Reporting Act ( FCRA ) for furnishing inaccurate and misleading credit data. 

Section 524 ( a ) ( 2 ) of the U.S. Bankruptcy Code prohibiting post-discharge collection or reporting of XXXX debts. 

I am requesting that the CFPB ensure XXXXXXXX XXXX and all credit bureaus : Cease all post-discharge reporting on this account. 

Correct the reporting to reflect XXXX in Bankruptcy {$0.00} balance. 

Confirm in writing that the corrections have been made across XXXX XXXX and TransUnion. 

Supporting Documents : Equifax XXXX XXXX ( dated XX/XX/XXXX ) Bankruptcy discharge notice Dispute letters sent to XXXX XXXX, TransUnion, and 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 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Professional Debt Mediation for violating provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g & 12 C.F.R. 1006.36 ) : Professional Debt Mediation has reported a collection account without providing proper validation of the alleged debt. I have the right to receive the original contract, purchase agreement, or bill of sale that proves Professional Debt Mediation is the legal owner of this debt. No such documentation has been provided. Cease and Desist ( FDCPA, 15 U.S.C. 1692c ( c ) ) : I am invoking my right to cease all communication regarding this debt, including but not limited to credit reporting. As established in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, reporting to credit bureaus is a form of communication. Professional Debt Mediation must immediately stop reporting until full validation is provided. Inaccurate Reporting ( FCRA, 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avid Acceptance, LLC
State: UT

Complaint narrative:
Company has called XXXX times a week, texts and emails XXXX times a week. 
I have done auto collections before and I know this is not ok. Its harassment at this point and they are legally allowed to 7 calls in a 7 day period. They need to go over the fair debt collection practices. I have talked to XXXX XXXX in the past about the in depth voicemails I get and that they are not supposed to do that and he let me know that he knows theyre not supposed to. I have emailed about the multiple calls back to back and talked to XXXX via email.

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 2025-10-30 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: PA

Complaint narrative:
I am submitting a complaint regarding several items on my credit report that are being inaccurately reported. The following charged-off accounts and inquiries are in dispute : Charged Off Accounts : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
The information reported is not an accurate reflection of my financial responsibility. Please update my records to correct this error.

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 2025-10-30 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: NY

Complaint narrative:
My BANK OF AMERICA ; XXXX XXXX XXXX XXXX FL XXXX Account was closed to do suspected fraud but I didnt do anything fraudulent a ex companion of mine deposit a check without my knowledge with my debit card, and I didnt know until the day of my account was closed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-30 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 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reported fraudulent claims on my chase card from XXXX XXXX on the week of XX/XX/XXXX. I worked with Chase and from my recollection we worked a good amount of time to discuss potential charges, and even called my wife from another phone to ensure we were as accurate as we could be from memory on what charges were made by us. If we felt like we weren't confident, in good faith we tried not to ask Chase for those charges to prevent any miscommunication. The charges totaled in the amount of ~ $ XXXX from my recollection. 

I received a phone call today, XX/XX/XXXX, that our claim was denied because we were not accurate enough on listing the charges during that time period after some preliminary questions on why i did not report certain charges. I did not get the opportunity to provide additional evidence prior to the case being closed. I asked for a recording of both my original claim and the conversation we were having, both of which were not available and only allowed to be 'requested ' at a local Chase bank. 

When I communicated we only tried to ask for charges in which we were sure and that I was in a heightened emotional state due to being defrauded, the agent claimed she would have been more diligent or vigorous in the process. When I asked what evidence was necessary to support future claims, she in my opinion was not being very descriptive, and therefore after her feedback I was not being diligent spent an hour or so talking through different types of evidence. Eye witness testimony that I was in locations while the transaction took place other than my supervisor was not allowed, as well as e-mail correspondence as I may have been " e-mailing ' while making these charges. Text messages were also not permissible. Evidence that I had never shopped at the stores prior to that timeframe were not admissible. What was permissible was a 'collapsing ' in her words or from my understanding a consolidation of information associated with pictures, eye witness testimony from my supervisor ( only ), and potentially meeting invites. She repeatedly highlighted that If I was more accurate in which charges were made with my physical card, which now is more difficult XXXX months later vs. my original report, I likely would win the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am submitting this second-round dispute because my credit report with EQUIFAX still contains personal information errors that I have already disputed and proven to be inaccurate. These include incorrect name variations and addresses that are not mine. Leaving these errors unresolved after proper documentation has been provided represents a clear failure to comply with the Fair Credit Reporting Act ( FCRA ). 

I am resubmitting my identification, Social Security card, and proof of current address for verification and to support my request for immediate correction. 

My only legal name is XXXX XXXX XXXX, as stated on my official identification. Any other name variation must be immediately removed. 
My only accurate and current address is XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Any other listed address is obsolete or inaccurate and must be permanently deleted. 

Under the FCRA, Equifax is legally required to report accurate information and promptly delete unverifiable or incorrect data : 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) ( 5 ) Obligates immediate deletion of unverifiable or false data. 

15 U.S.C. 1681n & 1681o Establish penalties for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am disputing inaccurate personal information on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, but XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX is still being reported. This address is incorrect and must be removed immediately. Reporting inaccurate information violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires all information to be reported with maximum possible accuracy and be fully verifiable. I am requesting that the incorrect address be deleted and replaced with my correct, verified address. My attempt to file an FTC Identity Theft Report was delayed due to the FTC website shutdown, preventing me from submitting documentation through their platform. Because of this, I am relying on your agency to correct this matter promptly and ensure maximum accuracy moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX  Balance : {$100.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXXXXXX XXXX Balance : {$27.00} - Date Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX Balance : {$140.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX # XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  Balance : {$270.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX Balance : {$570.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX Balance : {$200.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXXXXXX XXXX Balance : {$710.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There were two unauthorized debits to my account on XX/XX/XXXX and XX/XX/XXXX for {$3800.00} and {$1300.00}, totaling {$5100.00}. These first showed up on my statement dated XX/XX/XXXX. I contacted my bank on XX/XX/XXXX. I believe the law ( EFTA ) says I have to report within 60 days of the statement containing the error. 60 days from the statement date is XX/XX/XXXX and I was within that window. The bank did not credit me any amount and has now said that the timeframe for allowable returns has expired and they will not return my money.

Company response to consumer: Closed with explanation