vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX : XX/XX/XXXX [ Date XX/XX/XXXX Re : Immediate Removal and Correction of All Inaccurate Personal Identifying Information FCRA Violations Willful Noncompliance, Defamation, and Damages To Whom It May Concern, This letter serves as an official, FINAL NOTICE disputing and demanding the immediate removal of all inaccurate, unauthorized, and false personal identifying information you are reporting under my consumer file. 

Let me be absolutely clear : MY ONLY CORRECT IDENTIFYING INFORMATION : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Any other variation of my name, address, phone number, employer, or personal data is false, misleading, and unlawfully reported in direct violation of the : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681n & 1681o Civil Liability for Willful and Negligent Noncompliance You are illegally publishing false identities under my file, exposing me to fraud, identity theft, and reputational harm. This is defamation of character, a reckless disregard for accuracy, and a direct attack on my legal identity. 

I DEMAND IMMEDIATE ACTION : Delete all false names, aliases, misspellings, or prior married names Delete any and all incorrect addresses, phone numbers, employers, or identifying data Purge every piece of personal information that does NOT match exactly : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX Provide a full updated copy of my credit file showing ONLY the correct data listed above LEGAL CONSEQUENCES : If you fail to comply within the 15-day legal window, I will file formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney General Civil litigation for defamation, negligence, and willful FCRA violations Under 15 U.S.C. 1681n, you are liable for {$1000.00} per willful violation, plus actual damages, court costs, and punitive damages. I am fully prepared to pursue legal action for every single day these inaccuracies remain. 

You have been warned. Fix it. Remove it. Or face legal action. 

Sincerely, ________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX : XX/XX/XXXX [ Date XX/XX/XXXX Re : Immediate Removal and Correction of All Inaccurate Personal Identifying Information FCRA Violations Willful Noncompliance, Defamation, and Damages To Whom It May Concern, This letter serves as an official, FINAL NOTICE disputing and demanding the immediate removal of all inaccurate, unauthorized, and false personal identifying information you are reporting under my consumer file. 

Let me be absolutely clear : MY ONLY CORRECT IDENTIFYING INFORMATION : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Any other variation of my name, address, phone number, employer, or personal data is false, misleading, and unlawfully reported in direct violation of the : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681n & 1681o Civil Liability for Willful and Negligent Noncompliance You are illegally publishing false identities under my file, exposing me to fraud, identity theft, and reputational harm. This is defamation of character, a reckless disregard for accuracy, and a direct attack on my legal identity. 

I DEMAND IMMEDIATE ACTION : Delete all false names, aliases, misspellings, or prior married names Delete any and all incorrect addresses, phone numbers, employers, or identifying data Purge every piece of personal information that does NOT match exactly : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX Provide a full updated copy of my credit file showing ONLY the correct data listed above LEGAL CONSEQUENCES : If you fail to comply within the 15-day legal window, I will file formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney General Civil litigation for defamation, negligence, and willful FCRA violations Under 15 U.S.C. 1681n, you are liable for {$1000.00} per willful violation, plus actual damages, court costs, and punitive damages. I am fully prepared to pursue legal action for every single day these inaccuracies remain. 

You have been warned. Fix it. Remove it. Or face legal action. 

Sincerely, ________________________ 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 2025-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very frustrated to see that unauthorized inquiries are still appearing on my credit report today, and I can not understand why. Even after refreshing my browser, they remain there. I urgently ask that the documents I submitted be reviewed carefully so this issue can finally be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OR

Complaint narrative:
Multiple accounts are being reported in my name without my authorization or knowledge. I never opened, authorized, or managed these accounts, and their presence on my credit report is inaccurate and misleading. This false reporting has damaged my credit, caused significant stress, and undermined my financial stability. I need immediate clarification on why these accounts are appearing, which furnishers supplied the information, and what documentation, if any, supports their reporting.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Date of Birth SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Inaccurate Reporting XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Dear Transunion, Im writing because I reviewed my credit report and found inaccurate and inconsistent information being reported on a XXXX XXXX account. Im requesting that this information be investigated and corrected or deleted as required under the Fair Credit Reporting Act ( FCRA ). 

Heres what I found wrong with the report : 1. Dates Dont Add Up : The account shows a high balance of {$22000.00} from XX/XX/XXXX to XX/XX/XXXX but the account was closed on XX/XX/XXXXXXXX XXXX XXXX Thats not possible. Once an account is closed or charged off, there shouldnt be any new activity reported after that date. 
2. Charge-Off Status With {$0.00} Balance : The report lists the pay status as Charge-off but also shows a {$0.00} balance and no payment received. Thats conflicting information and not accurate.

3. Incorrect Loan Terms : The report says {$0.00} per month for 60 months. That cant be right it should reflect the original payment agreement before the charge-off. 
4. Updated After Account Was Closed : The Date Updated shows XX/XX/XXXX, a year after the account was already closed. There shouldnt be new updates after the closure unless something changed legitimately, which it didnt. 
5. Missing Information on Transfer or Sale : If the account was sold or transferred to another lender or collection agency, that should be clearly listed. Its not, which makes the report incomplete.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate information. Under FCRA 611 ( a ), I have the right to dispute any information I believe to be inaccurate or incomplete, and you are required to investigate and correct or remove it within 5 days.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
So I tried to log into my bank account on the XXXX of XXXX XXXX XXXX  ) and i was met with a " we locked your account due to unusual activity '' which was weird because i was able to use my other accounts the day prior. And The day that i got that message, i went to the bank in person to try to figure out the problem/fix the problem, so I went in person and talked to a banker and they said " your account is restricted and they have decided to close your accounts ''. I have around XXXX XXXX dollars in those combined 3 accounts that were savings, and emergency funds ( this saved money was over the course of 10+ years of saving slowly. ) They have caused me emotional distress and financial distress as now I have no way to access that money nor they will let me take anything out. They closed down my accounts for no reason AND without notice. I was trying to withdrawal money today earlier and that did not work either. Once this is figured out, i'd love to withdrawal ALL my money from chase bank as they have lost my buisness entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
XXXX XXXX XXXX XXXX XXXX TX XXXXXXXXExperian XXXX XXXX XXXX TX XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\XXXXDear Experian,XXXXI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.XXXXGiven the XXXX data breach of XXXX, in which the personal information of over XXXX XXXX Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX as well as the XXXX XXXX breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verificationXXXXDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in Dispute: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 XXXXAccording to the FCRA:XXXX\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigationXXXXAdditionally, I demand you provide:XXXX1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\XXXX2.\tA description of the procedure used to determine the accuracy and completeness of the informationXXXX3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\XXXXAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerelyXXXX 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
This is a formal request for validation made pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the validity of this debt and request that you provide competent evidence that I have a legal obligation to pay this debt. 

Please provide the following documentation : The name and address of the original creditor. 
The original account number with the creditor. 
An itemized breakdown of the amount owed, including the principal, interest, and any other fees.Documentation showing when and how the debt was transferred to your agency. 
A copy of the original signed contract or agreement. 
Documentation that you are licensed to collect debts in Florida. 
This is not an admission of liability, but a statement of my right to dispute this debt until it is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX deleted the account please reference case XXXX Thank you for bringing this matter to our attention. Based on XXXX XXXX complaint we have identified a XXXX XXXX debt under their name, XXXX Reference # XXXX. To resolve this matter, we have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradeline. Please allow 30-60 days for the credit bureaus to update their records. We appreciate the opportunity to respond.

Company added again on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I redeemed {$230.00} in XXXX XXXX XXXX XXXX rewards via direct deposit on XX/XX/year>. The funds never appeared in my bank account, and Comenity Capital Bank has been unable or unwilling to provide a deposit trace or confirmation. Despite multiple contacts and a written request, I was told it could take up to 90 days to investigate, which is unreasonable for a missing direct deposit. Im requesting CFPB assistance to ensure Comenity promptly issues the funds and addresses this delay in cash-back disbursements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Dispute charges been having problems with account but they pick and choose what they want to. I made a non report to XXXX XXXX and sent the form since that's what agents told me and giving me a hard time with process and I provided the information needed made me feel like a criminal not a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report this morning and was extremely frustrated to see that the inaccurate late payments are still there. I have no idea why they remain, and I want this to be fixed immediately. Please review all the documents I sent so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I bought this used car in 2021 at XXXX  and through the finance company american credit acceptance, with the interest rate of 18.29 %, clueless about the hidden fees and the unlawful interest rate, i have been informed that my payments too american credit have been going too the interest rate, instead of the principle balance and this has been by ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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. 

FRAUDELENT ACCOUNTS : 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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I deposited a payroll check using my banks mobile app, which displayed a standard XXXX hold time. Only after completing the deposit was I told my funds would actually be held for XXXX business days because the check was deemed at risk. Nowhere in the process was I clearly warned that such a lengthy hold was possiblenot in the app, not in any disclosures, and not before I committed my check. This lack of transparency is misleading at best and outright deceitful at worst. 

Despite my longstanding positive account history, with no delinquencies and never a bounced check, customer service and management showed complete indifference when I reached out for help. I repeatedly explained my urgent financial need and the fact that this was a payroll check, yet I was offered no assistance, no flexibility, and no willingness to resolve the issue or take responsibility for the harm caused by these deceptive practices. 

This experience has caused serious financial hardship. The banks refusal to be honest about its policies and its continued lack of customer support is unacceptable. Such non-transparent and deceitful banking practices must be addressed.

Company response to consumer: Closed with explanation