vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Equifax & XXXX XXXXredit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a debt validation letter to Midland Credit Management on XXXX, XXXX, to dispute inaccurate information on my credit reports from XXXX, XXXX, and XXXX. The account has a reported balance of {$2000.00} The company has failed to provide the requested validation documents as required by the FDCPA. The inaccurate information, including an incorrect account status, continues to be reported on my credit reports. 
account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
At my current bank of Wells Fargo I had a payment posted on XX/XX/year> of {$65.00} that caused my account to go negative {$57.00}. I received an email on XX/XX/year> at XXXX that I had a negative balance and 24hrs to correct this. It stated I had until XXXX the next business day in that email as well as 24hrs. I planned to correct it the next day. That night of the same day I received the email I was charged. Less than 24hrs of the payment posting as well as long before the next business of the notification of the negative balance. All notifications of overdraft are on XX/XX/year> therefore I assumed I would have until XX/XX/year> because of clearly stated grace period.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Background & Timeline : XX/XX/year> Sent Debt Validation Request to XXXX XXXX ( Certified Mail, Exhibit XXXX ). XXXX admitted no signed application was available, only provided statements, and confirmed the account was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/year> Filed disputes with all three CRAs regarding XXXXXXXX XXXX and XXXX XXXX XXXX  tradelines. CRAs marked the account as 'verified ' but did not provide any documentation. 
XX/XX/year> Filed CFPB Complaint # XXXX against XXXX XXXXXXXX responded they were unable to locate an account with the information provided. 
To date : Two certified demand letters have been sent ( Exhibits XXXX and XXXX ), including USPS receipts and proof of identity. No signed contracts or chain of assignment have been produced. XXXX  admits no signed application exists.

Violations : FCRA 15 U.S.C. 1681XXXX ( b ) : Furnishers must conduct a reasonable investigation and provide objectively verifiable documentation of the debt when disputed. In XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX. XXXX XXXX  ), the court held verification requires documented proof, not conclusory statements. 
FDCPA XXXX XXXX. XXXX ( b ) : Once validation is requested, debt XXXX must cease collection until proper documentation is furnished. XXXX admitted they had no information. Despite this, CRAs only updated the tradeline as 'Disputed by Consumer, ' which still negatively impacts my credit profile and defames my character. 
CRA Duty 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation when provided with factual evidence. Simply rubber-stamping accounts as 'verified ' without reviewing documentation violates the statute.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Background & Timeline : XX/XX/year> Sent Debt Validation Request to XXXX XXXX ( Certified Mail, Exhibit XXXX ). XXXX admitted no signed application was available, only provided statements, and confirmed the account was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/year> Filed disputes with all three CRAs regarding XXXXXXXX XXXX and XXXX XXXX XXXX  tradelines. CRAs marked the account as 'verified ' but did not provide any documentation. 
XX/XX/year> Filed CFPB Complaint # XXXX against XXXX XXXXXXXX responded they were unable to locate an account with the information provided. 
To date : Two certified demand letters have been sent ( Exhibits XXXX and XXXX ), including USPS receipts and proof of identity. No signed contracts or chain of assignment have been produced. XXXX  admits no signed application exists.

Violations : FCRA 15 U.S.C. 1681XXXX ( b ) : Furnishers must conduct a reasonable investigation and provide objectively verifiable documentation of the debt when disputed. In XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX. XXXX XXXX  ), the court held verification requires documented proof, not conclusory statements. 
FDCPA XXXX XXXX. XXXX ( b ) : Once validation is requested, debt XXXX must cease collection until proper documentation is furnished. XXXX admitted they had no information. Despite this, CRAs only updated the tradeline as 'Disputed by Consumer, ' which still negatively impacts my credit profile and defames my character. 
CRA Duty 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation when provided with factual evidence. Simply rubber-stamping accounts as 'verified ' without reviewing documentation violates the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
Experian you denied my identity theft report email enclosed, I had a data breach from equifax number XXXX and filed with the FTC idenitiy theft XXXX now with the CFPB because you refuse to block information and accounts that is all the information needed to apply this to my account with you respond through the CFPB in case I need legal action against you 15 USC1681c-2block of information resulting from identity theft

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chases response to my initial CFPB complaint is contradictory and evidences violations of the Fair Credit Reporting Act ( FCRA ). Chase has stated : We can not delete transactions and experiences from your credit report and that the reporting is accurate and verifiable. Yet, Chase has in fact altered the account tradeline by zeroing out a data field. 
If the account were truly accurate and verifiable, no alteration would have been possible. If the account could not be verified, Chase and XXXX  were required under 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ) ( 5 ) ( A ) to delete the information rather than alter it. By furnishing altered information, Chase has violated : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

1681s-2 ( b ) ( 1 ) : Failing to conduct a proper reinvestigation and accurately report results. 

Chase also attempts to disclaim responsibility for the altered data by suggesting that CRAs are independent and responsible for their own reporting. This is misleading and false. Under the FCRA, furnishers are directly responsible for the accuracy of the information they provide to CRAs. CRAs do not create or alter tradeline data ; they only display the information provided by the furnisher. If a CRA deems data to be blatantly inaccurate or unverifiable, its duty under 1681i ( a ) ( 5 ) ( A ) is deletion, not alteration. Thus, any alteration of the tradeline most likely originated with Chase itself.

Either way, Chases liability remains clear : If Chase altered the tradeline- they furnished inaccurate, unverifiable data.

If XXXX  altered the tradeline - that means XXXX  determined the tradeline was inaccurate/unverifiable, and XXXX violated the FCRA by failing to delete it.

In both scenarios, two underlying facts remained unchanged : - The information Chase reported was inaccurate and unverifiable, as evidenced by the XXXX-out field.

- The tradeline should have been deleted These two facts alone establish clear violations of 15 U.S.C. 1681s-2 and 1681i. Chases attempt to shift blame onto the CRA only compounds the issue.

Chases actions and admissions demonstrate that their reporting is neither accurate nor verifiable, and their handling of this account violates multiple provisions of the FCRA.

I demand that this tradeline be permanently deleted in compliance with the Fair Credit Reporting Act, as the information is inaccurate, unverifiable, and has been furnished in violation of 15 U.S.C. 1681s-2 and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
My account was closed due to suspected fraudulent activity following my visit to the bank to obtain a new card. Prior to this, unauthorized transactions occurred at XXXX. It's worth noting that Regions has been experiencing similar issues for over ten months. The fraudulent activity nearly resulted in a loss of {$700.00}, which I was able to identify. Currently, I am unable to access my funds.

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 2025-08-22 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-08-22 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:
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 non-monetary relief
Consumer complaint received 2025-08-22 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: GA

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 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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby dispute the reporting of an account that is fraudulent and inaccurately associated with my credit file. I have no connection to this account, nor did I authorize it in any capacity. Its presence is unjust and misleading.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I pulled up my Experian credit report. there is XXXX accts listed as potentially negative. Then XXXX from XXXX of XXXX  on XXXX that i disputed and was turned over to a collection agency. i paid it to get it off my report. then XXXX of XXXX XXXX  admitted they made a mistake and i received a refund from the collection agency. it was taken off my credit report. but now its back on. also i have XXXX accts with XXXX XXXX. also a car payment. they have never been late. but now on my report as potentially negative. then i had a XXXX  in XXXX XXXX included in it was from a few years before. now some of those accts are out separately and says potentially negative. i have tried calling Experian but i cant get past the automated system. i want my hard work on trying to keep my credit in good standing to be shown on my credit reports. but someone has just done this in the last few months. can you help me.

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 2025-08-22 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: TX

Complaint narrative:
This letter is to dispute a hard inquiry that has been recorded on my credit report without my authorization. I have not initiated any credit applications or granted permission for this inquiry.

Company response to consumer: Closed with explanation