vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
XXXX XXXX repeatedly charged me every month for their gym services, even though I never used the gym or signed up for services. 
The charges accumulated to about $ XXXX {$140.00}. Once the balance reached this amount, XXXX XXXX sent the debt to a debt collection agency, which then emailed me requesting payment. I responded to the collection agency disputing the debt, explaining that I never received services, but they have not responded. 
Charges began : XX/XX/XXXX Amount charged each month : {$22.00} Total amount claimed by XXXX  XXXX : ~ $ XXXX {$140.00} And the last charge to my account was XX/XX/XXXX Date debt was sent to collection agency : XX/XX/XXXX Date you emailed the collection agency disputing the debt : XX/XX/XXXX Actions taken : I contacted the collection agency in writing to dispute the debt. 
I have not used or authorized any services from XXXX XXXX. 
No resolution has been provided by either XXXX XXXX or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I am submitting a formal complaint regarding a possible data breach involving my personal and financial information. It appears that my sensitive datasuch as my Social Security number and account detailsmay have been accessed or used without my permission. Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the right to have my information protected and to be informed of any unauthorized activity. 

I am requesting that you immediately : Investigate any unauthorized access or accounts opened using my information. 
Correct or delete any inaccurate information on my credit report related to this incident.

Provide written confirmation of your findings and the actions taken.

If this matter is not addressed promptly, I may escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please treat this issue as urgent and provide written confirmation of receipt and investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am submitting a formal complaint regarding a possible data breach involving my personal and financial information. It appears that my sensitive datasuch as my Social Security number and account detailsmay have been accessed or used without my permission. Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the right to have my information protected and to be informed of any unauthorized activity. 

I am requesting that you immediately : Investigate any unauthorized access or accounts opened using my information. 
Correct or delete any inaccurate information on my credit report related to this incident.

Provide written confirmation of your findings and the actions taken.

If this matter is not addressed promptly, I may escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please treat this issue as urgent and provide written confirmation of receipt and investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX ( XXXX  ) is reporting a closed account on my Experian credit report with 30-day and 60-day late payments from XXXX. I disputed the accuracy of the payment history and dates with XXXX. The company verified the account without providing any documentation to support the late payments or the dates they reported. 

This account was paid and closed in XX/XX/XXXX, but XXXX has continued updating the tradeline in XXXX without showing any proof of the accuracy of the reported delinquencies. I requested information and records supporting the late payments, but no documentation was provided. 

I am unable to submit an FTC identity theft affidavit or verification through XXXX because the website is unavailable due to the government shutdown. I am requesting assistance because XXXX is verifying and reporting negative information without supplying any evidence or validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, I opened a Chase checking. Later on I noticed on the account I was being charged a service fee. I then inquired and started a direct deposit after being told that the monthly service fee would be waived with any direct deposit amount. There was no minimum dollar requirement disclosed to me at the time. 

Per speaking with Chase they said starting XX/XX/XXXX Chase began requiring {$500.00} in direct deposits per month to avoid the monthly service fee. I was never notified of this change, either by mail, email, statement insert, or secure message. Because I was unaware that the requirement had been changed to {$500.00}, I did not meet the new threshold and Chase began charging me the monthly service fee. I spoke with them XX/XX/XXXX ( today ) I only noticed these fees in XXXX, after they had accumulated over a significant period of time. When I contacted Chase to request an explanation, representatives first suggested that the requirement had changed. When I asked for proof of the change and the notice that should have been provided they were unable to produce it. I then was given off to a supervisor who only would do 12 months of fee reversal when I am owed fees for ever months since XX/XX/XXXX. 

Chase has been unable to provide : any documentation showing that the {$500.00} minimum direct deposit requirement was disclosed at account opening, any evidence that the requirement was always {$500.00}, or any change-in-terms notice informing me of an increase from any direct deposit to a {$500.00} minimum. 

Under Truth in Savings ( Regulation DD ), minimum balance requirements and fee waiver criteria must be clearly disclosed, and any adverse changes require advance written notice. I was never notified of any such change, and the requirement disclosed to me at account opening was not the requirement that was later applied to my account. 

Because I was charged monthly service fees based on a requirement that was either changed without notice or never properly disclosed, I am requesting a full review and a refund of the improperly assessed monthly service fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am disputing the following entries on my TransUnion credit report. These accounts and inquiries are inaccurate, incomplete, or need further verification. Kindly review the records and update my credit file to reflect the accurate information. 

Charged Off Accounts : XXXX ( XXXX ) - XX/XX/XXXX, Balance : {$14000.00} Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  - XX/XX/XXXX Late Payments : XXXX XXXX ( XXXX ) XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have an active lawsuit pending against Experian in the XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ). The lawsuit concerns Experians failure to conduct lawful dispute investigations, inaccurate reporting, and failure to correct or delete unverifiable information relating to multiple tradelines. 

On XX/XX/year>, after the lawsuit was already filed, Experian initiated new disputes on the same tradelines already in litigation ( XXXX and XXXX XXXX XXXX ). These new dispute investigations automatically triggered a renewed legal obligation under 15 U.S.C. 1681i to conduct a lawful, reasonable reinvestigation.

These new disputes are therefore post-filing violations of the Fair Credit Reporting Act. 

Experian has demonstrated a pattern of : continuing to report inaccurate information conducting unreliable reinvestigations relying solely on automated responses failing to review evidence provided failing to correct or delete unverifiable information This conduct has continued even after Experian was sued, which shows systemic disregard for FCRA compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the deletion of this incorrect account from my credit report, as I did not authorize its creation or use. Attached are the supporting documents for my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland is no longer disputing the accuracy and completeness of this account. Please remove all disputes and remarks effective immediately. The previous disputes and remarks should be removed within the next update of my credit report or within 30 days.

This is not my account and I have asked for proof of this account from the creditor for years and one has not been provided. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation