vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-03 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: CA

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$86.00} XXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 2025-06-03 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: CA

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$86.00} XXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
They call every week day from different XXXX phone numbers at XXXX XXXX. When I answer the phone, the call disconnects. When I looked up the number, it is for Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I am disputing late payments reported by XXXX XXXX XXXX for XXXX and XX/XX/XXXX. These lates did not appear on any of my credit reports for nearly 6 months, yet were recently added only after XXXX responded to a prior dispute with the credit bureaus in XX/XX/XXXX. 
This violates the Fair Credit Reporting Act ( FCRA ) under the accuracy and timeliness requirements. Retroactively reporting lates months after they were duewith no prior communication, no billing alerts, and no accurate timeline of delinquenciesconstitutes materially misleading reporting. 
XXXX also never responded directly to me regarding these alleged late payments. I was not notified about any delinquencies for those months and had no opportunity to address or resolve them before they damaged my credit.

Additionally, XX/XX/XXXX was never marked late, despite being in the same timeline as these disputed months. This raises serious questions about the consistency and integrity of XXXX  reporting. If XXXX was considered unpaid, it should have been marked first, not XXXX and XXXX. The record suggests either faulty internal controls or selective retroactive flagging both problematic under FCRA. 
I am requesting a complete removal of the XXXX and XX/XX/XXXX late payment entries across all credit bureaus due to : Retroactive and delayed reporting Failure to notify me or allow dispute at the time of occurrence Inconsistent payment history across consecutive months Lack of clear validation or billing transparency I expect the CFPB to hold XXXX  accountable for these reporting failures and to take corrective action.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I recieved a pre approved card in the mail i activated the card the card was lost/stolen the card was used and maxed out i got a notification that the balance was maxed out i called to close card and report theft The company ( XXXX  ) told me that becuase i called and activated the card a week or so prior to the theft they wouldnt investigate the theft or provide details i never used the card once. They wont do anything about it and are charging me crazy fees for not paying the balance that the thief left on the card. 

Its punitive and against my rights as a consumer. 

I do not have the card number as it was stolen from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting a XXXX XXXX account ( partial account number XXXX ) as XXXX with a balance of {$680.00} and a credit limit of {$300.00}, but the information is inaccurate, inconsistent, and unverifiable. 

The account has remained in XXXX status since XX/XX/XXXX, yet TransUnion reports XXXX as closed as of XX/XX/XXXX, while XXXX XXXX XXXX still report it as activecreating a serious conflict in data across the credit bureauXXXX 

Additionally, despite a previous dispute ( noted by XXXX  ), no documentation or validation was ever provided. The account still lacks critical XXXX XXXX fields, such as scheduled payments, actual payment history, or any XXXX activity, making the report technically incomplete and misleading. 

These reporting failures violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX ( b ) : Requires data to be accurate and up-to-date. 

XXXX XXXX. XXXX : Requires deletion of any information that can not be verified after a dispute. 

XXXX XXXX. XXXX ( b ) : Prohibits furnishers from continuing to report unverifiable or inaccurate information. 

These requirements are reinforced by XXXX XXXX Trans Union XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX University XXXX XXXX XXXX XXXX ), which establish that credit bureaus must perform a meaningful reinvestigation and delete data if it can not be verified.

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 2025-06-03 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: Velocity Portfolio Group
State: TX

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that has been reported that by. This account, referenced as account number, is being pursued by a deb collector who has failed to provide evidence of their legal right to collect this debit, as required under the Fair Debt Collection Practices Act. 
To date, I have received no documentation providing the ownership or validity of this alleged debt. According to Section 809 ( b ) of the FDCPA, I am entitled to request and receive validation of the debt, including proof that the debt collector owns or has been legally assigned the debt by the original creditor. 
Given these circumstances, I demand the immediate removal of this inaccurate and unverifiable account from my credit report. Furthermore, I insist that you investigate this matter promptly as required under the Fair Credit Reporting Act. If ( ( Debit Collector ) can not substantiate their claim, you are legally obligated to delete this information from my file. 
Please Provide written confirmation of your findings and any actions taken regarding this dispute within the legally mandated timeline. 
Thank you for your prompt attention to this serious matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: KY

Complaint narrative:
When I checked my account balance on XX/XX/year> I had a little over XXXX with an atm deposit of XXXX showing processed that was made on XXXX  and XXXX, then today XX/XX/year> I received an alert that my account was overdrawn because of pending transactions and the atm deposit still processing, I feel is bank manipulated the deposit so that I would overdraft.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
This is a continuation of Complaint XXXX! 

I have recently received documentation from the Bank in question that they did not deny payment to American Express. The only transaction their system has generated for the entire month of XX/XX/year> statement period was payment to American Express on XX/XX/year>, 3 days before payment due date. I have already submitted proof that funds were in the bank when payment was made. I will submit Banks internal data on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-06-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have a checking and XXXX cards with chase bank. XXXX I was depositing money at the Chase Bank, XXXX, XXXX XXXX. I was shorthanded {$1000.00} while depositing {$7000.00} Upon reaching the counter, I told teller I want to deposit cash ( each increment was counted and verified prior to entering the bank - {$4000.00}, {$1000.00}, and {$2000.00} = {$7000.00} ). I proceeded to physically hand the teller {$4000.00} ( XXXX {$100.00} bills ) while also verbally communicating that it was {$4000.00}. Then I handed her {$1000.00} ( XXXX {$100.00} bills ) and verbally communicated that it was {$1000.00}. Lastly, I handed her {$2000.00} ( mix of {$50.00}, {$20.00}, {$10.00} notes ) also verbally communicating that it was {$2000.00} in various notes. The cashier never physically counted the cash I handed her, only used the money counting machine but never communicated to me the total. The teller counted each increment individually ; I could not see the total displayed anywhere At this point there was XXXX communication that the increments were different than what I handed her and communicated to her. She told me to look at the pin pad for the total and press the green button while she put the money into the large money counter. The screen displayed {$6000.00}. I immediately told her that was not the correct amount that I gave her. She said that the money was already in the machine, and she could not take it out to recount it in front of me. I asked the XXXX to recount money, but they only performed an audit of the machine. I requested to check the cameras to see where the error occurred but was informed that can't be done. There is report with the XXXX Police Department ; The lack of professionalism, transparency, and honest business practices. I am used to teller always counts the money by hand in front of you as well as with the machine for a second layer of verification and communicates the total prior to taking the money behind the desk. Was that a machine error or employee theft I want justice to this case. Chase corporate number told me I need to sort it out with the branch. The branch XXXX didn't pick up numerous of my calls, after coming to the branch again was send home with " machines don't make mistakes and we trust the casher ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief