vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-30 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:
My name is XXXX XXXX XXXX this is not a third party filing this complaint. I have attached documentation for your review in regards to those inaccuracies being reported on my report. These reportings are tarnishing my financial reputation and its not fair. Please remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this is not a third party filing this complaint. I have attached documentation for your review in regards to those inaccuracies being reported on my report. These reportings are tarnishing my financial reputation and its not fair. Please remove it immediately.

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 2025-06-30 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: NC

Complaint narrative:
XXXX XXXX {$3900.00} XXXX XXXX {$290.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX BANK XXXXXXXX XXXX XXXXXXXX {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
XXXX XXXX {$3900.00} XXXX XXXX {$290.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX BANK XXXXXXXX XXXX XXXXXXXX {$290.00}

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 explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX 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 XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} INQUIRIES : XXXX XXXX OF Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX OFF LEASE LLC Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX MT BANK Date : XX/XX/XXXX XXXX XXXX R Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX CO Date : XX/XX/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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-06-30 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau regarding an unresolved issue with a cash deposit at a Chase ATM, which has caused me significant financial distress. Below is a detailed account of the incident, my attempts to resolve it, and the lack of adequate response from XXXX Chase Bank. 
On XX/XX/year>, at approximately XXXXXXXX XXXX  XXXX, I sold my vehicle and received cash from the buyer. I proceeded to deposit the funds at the XXXX ATM located at XXXX XXXX XXXX, XXXX, CA XXXX. I successfully deposited {$12000.00} into my account. However, when attempting to deposit an additional {$8500.00}, the ATM malfunctioned mid-transaction. The machine accepted the cash but did not credit it to my account. I received a receipt at XXXX XXXX  XXXX confirming the deposit attempt, but it showed no updated balance. 
The following day, I contacted Chase customer service and was informed that a claim would be opened. I was temporarily credited {$8500.00} while the issue was under investigation. On XX/XX/year>, my account was debited {$5100.00}, resulting in a negative balance of - {$3300.00}. 
I was told that only {$3400.00} was recovered from the ATM, leaving me with a loss of {$5100.00}. 
I have pursued multiple avenues to resolve this matter. I have opened XXXX separate claims with Chase, both of which were closed with the determination that no discrepancy was found. I have provided comprehensive documentation, including account statements, deposit receipts, and a detailed timeline, all of which support my claim. Despite numerous calls to customer service and an in-person visit to the branch, I have not received meaningful assistance. 
Several weeks ago, I met with the branch XXXX at the XXXX location, who suggested I file a police report with the XXXX Police Department to investigate the ATM 's camera footage. 
I attempted to do so, but the police stated there was no need for a report, as it was a bank matter. This left me with no further recourse through local authorities. 
Most recently, on the day prior to this complaint, a customer service representative named XXXX escalated the issue to the branch XXXX. However, I am still awaiting a resolution. 
The lack of accountability and the financial burden caused by the debit of {$5100.00} and the resulting negative balance are unacceptable. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure a full reinvestigation of my claim by JPMorgan Chase Bank. I seek the restoration of the full {$8500.00} to my account, as well as compensation for the distress and financial hardship caused by this incident. I have all the necessary documentation to substantiate my claim and am prepared to provide it upon request. If this issue is not resolved promptly, I am prepared to pursue legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: NC

Complaint narrative:
I requested debt validation letter through XXXX XXXX XXXX I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest basically denied the shipping proof of the check being mailed even though the adjuster sent it to me the only thing I was told the guy who signed for the check XXXX XXXX doesnt work there and that was it!! Called again around few weeks later I was told another crazy thing that didnt make sense nor did any customer service agent I spoke with in XXXX  offered no resolution to my issue where is this check fast forward to XX/XX/year> couldnt let my credit keep suffering I called Bridgecrest and was told the check wouldve been just sitting in the mail room if no name or account number was provided ok called the next week I was told by another customer service representative that they have account they would have deposited those type of checks in told me to reach out to adjuster see if check had been cashed low and behold the check was sent to them XX/XX/year> and was deposited into Bridgecrest account on XX/XX/year> finally called verified the check number and amount they finally applied check they had in there account for three years and think I still owe them a balance of XXXX something dollars which I feel as if Im not responsible for because they violated U.S.C S 1681 inaccurate credit reporting and I would like them to removed that account from all three credit bureaus cause my account should have never went to a collections agency know as radius when they had my money sitting in their account and when called not on representative gave me any information on how I could retrieve check or they find the check and apply it to my account the discrepancy was totally unacceptable and was due to Bridgecrest negligence and improper trained staff and customer service representatives

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing this complaint regarding an inaccurate and damaging collection account reported by XXXX XXXX on my credit report. I do not owe any debt to this company, and I believe this account is being reported in error. 

Details of the account : Collection Agency : XXXX XXXX Account Number Unknown Amount Reported : {$920.00} Original Creditor Not provided Reporting Bureau ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX for Dispute : I am disputing this collection because I do not owe this debt. I have never received any services, statements, or documentation validating the legitimacy of this account. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX has failed to provide proper evidence that this debt is valid or that I am legally responsible for it. 

This erroneous collection is negatively affecting my credit report and score, and is causing financial harm. I have attempted to resolve this by disputing with the credit bureaus and/or requesting validation from XXXX XXXX XXXX but the issue remains unresolved. 

I am requesting the CFPBs assistance to investigate this matter and ensure the removal of this invalid collection from my credit report. Please find attached supporting documents, including a copy of the affected credit report and any correspondence. 

Thank you for your attention and help in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Monterey Financial Services that originated from a transaction with XXXX XXXX  XXXX XXXX XXXX. I was persuaded to sign up for a travel discount membership under misleading circumstances. The terms were not clearly explained, and I was rushed through the signup process. Less than 24 hours after signing up, I realized the company had a record of negative reviews and consumer complaints. I immediately attempted to cancel the membership, but my request was denied.

I never used the service. I received no benefit, no product, and no value. Despite this, I was reported to collections and this account is now harming my credit score. I did not enter into any agreement with Monterey Financial Services directly, and I believe this debt is invalid and should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Debt Validation Request - Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$570.00} Dear XXXX XXXX XXXX XXXX This letter is sent in response to your reporting of the above-referenced account on my credit report. This is NOT an acknowledgment of any debt owed. 

DISPUTE AND VALIDATION REQUEST : I formally dispute the validity of this alleged debt and demand strict proof of your claims pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ). 

REQUIRED DOCUMENTATION : Please provide the following within 30 days : XXXX. Proof of Original Debt : o Complete original signed agreement/contract with XXXX XXXX XXXX XXXX  XXXX Complete payment history from original creditor o Date of last payment made to original creditor XXXX. Chain of Title Documentation : o Legal proof of purchase/assignment of this debt to XXXX XXXX  o Bill of sale or assignment agreement showing purchase from XXXX XXXX XXXX XXXX  XXXX All assignments in chain of title XXXX. Legal Authority : o Proof you are licensed to collect debts in Georgia o Corporate documentation showing authority to collect this specific debt XXXX. Account Verification : o Itemized accounting showing how {$570.00} amount was calculated o Breakdown of principal, interest, fees, and charges o Proof debt is within Georgia statute of limitations ( 6 years for credit card debt ) FCRA VIOLATION NOTICE : Your account shows " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' yet continues to report negatively. This violates FCRA Section 623 ( a ) ( 8 ) which requires you to investigate disputes and halt negative reporting during investigation. 

DEMAND FOR COMPLIANCE : If you can not provide complete validation documentation : XXXX. Remove this account from all credit bureaus within 30 days XXXX. Provide written confirmation of deletion XXXX. Cease all collection activities on this account This communication is from a consumer to a debt collector for verification purposes only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief