vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
This company has attempted several times to re-create this closed account onto my consumer report. This account is reported in accurately it has like payments of 120 days late for several months back to back, which is lawfully impossible. This account must be removed effective immediately. This account has been charged off and sold to a third-party debt collector without my consent per 15 USC 1682B I opt out of this and all companies associated with this account contacting me via my consumer report. Text message call emails or any other form of communication. Delete this account immediately.Barclays Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account status : closed Date opened XX/XX/XXXX This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately.

Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days late Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal per 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
This company has attempted several times to re-create this closed account onto my consumer report. This account is reported in accurately it has like payments of 120 days late for several months back to back, which is lawfully impossible. This account must be removed effective immediately. This account has been charged off and sold to a third-party debt collector without my consent per 15 USC 1682B I opt out of this and all companies associated with this account contacting me via my consumer report. Text message call emails or any other form of communication. Delete this account immediately.Barclays Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account status : closed Date opened XX/XX/XXXX This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately.

Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days late Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal per 15 usc 6802

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 2025-06-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 VA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: AZ

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 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 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: CL Holdings LLC
State: NJ

Complaint narrative:
I called the original creditor XXXX XX/XX/year> and they stated I do not have anything collections with them. Then I called Jefferson capital credit the same day and explained to them what XXXX said and they stated they would remove the accounts listed with them and then send the credit bureaus a notification to remove. And they address that was used to other stuff is in another state. Those accounts arent mine and my credit score is falling because of it. Some credit bureaus have it as. Negative accounts while others have it listed as a collections account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Dear Credit Acceptance Dispute Department, I am writing to formally dispute inaccurate and misleading information being reported on my credit report concerning an account I previously held with your company. The account in question was voluntarily repossessed and closed. However, Credit Acceptance is currently reporting this account as open and delinquent, which is both inaccurate and harmful to my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), you are obligated to report only accurate and complete information to the credit bureaus. As this account has been closed following a voluntary repossession agreement, it is incorrect to continue reporting it as currently late or delinquent

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 2025-06-11 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: NC

Complaint narrative:
I have repeatedly disputed inaccurate and unverifiable accounts with TransUnion, XXXX, and Equifax, including charge-offs and collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite more than XXXX disputes per account and formal validation requests, the bureaus and furnishers continue to mark these as verified without providing documentation. This violates the FCRA ( 1681i and 1681s-2 ( b ) ) and FDCPA ( 809 ( b ) ). I have been denied credit and housing due to these accounts. I demand immediate deletion or I will pursue legal 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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am writing to formally contest the presence of a fraudulent account on my credit reports, linked to identity theft, and to demand immediate action in accordance with my rights as a consumer. 

XXXX years ago, I experienced a traumatic incident at [ XXXX XXXX ] when my wallet and luggage were lost, containing my driver 's license, Social Security card, and several credit cards. Despite extensive efforts to recover these items, I was unable to do so. Recently, I discovered multiple fraudulent accounts on my credit report that I did not open. I firmly believe these accounts resulted from the identity theft associated with the loss of my wallet and the subsequent compromise of my personal information. 

Additionally, I am a victim of the XXXX  data breach, a breach that has further exacerbated the challenges I face as a consumer. It is unfair that my data has been breached and that I am now struggling with the ramifications of this identity theft. It feels unjust to have these negative accounts hanging over my head, impeding my ability to move forward with my financial life. 

I have filed a police report regarding this matter, and I have attached a copy for your review. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to have these fraudulent accounts investigated and removed promptly.

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 2025-06-11 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:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I deposited {$2500.00} in cash into a Chase Bank ATM located at [ insert location or address of ATM ]. The ATM experienced a malfunction during the transaction and did not credit the full amount. It did not provide a clear receipt or reject any cash. I immediately filed a dispute with Chase, and they issued a temporary credit of {$2500.00} while they investigated. 

On XX/XX/year>, Chase reversed {$800.00} of that temporary credit, stating that only {$1700.00} was accounted for by the ATM. I dispute this outcome. I deposited the full {$2500.00}, and I believe there was a technical malfunction or internal ATM issue that caused part of the deposit to go unrecognized. 

I have been a Chase customer for over five years and regularly deposit cash in similar or larger amounts without any issues. I have no prior dispute or claim history with the bank. This is the first time I have experienced a problem with a deposit.

I have requested documentation from Chase and asked for a re-investigation, but I have not received a satisfactory response. Chase has not explained how the missing {$800.00} could have disappeared or what specific evidence they used to make their determination. 

I am asking that Chase re-investigate the claim and provide full transparency, including the ATMs cash audit results. I also request that the missing {$800.00} be credited back to my account, as I am certain this amount was included in the original deposit. 

This situation has caused financial hardship and distress, and I am seeking your assistance to ensure the matter is resolved fairly and properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am writing to report an inaccurate collection account listed on my credit report. The account was reported by : HARRIS & HARRIS XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX on behalf of XXXX , for the amount of {$97.00}. 

I canceled my XXXX  service on XX/XX/year>, and a XXXX representative confirmed that my {$90.00} cancellation fee would be waived and refunded. That refund was processed on XX/XX/year>. I also paid for service through XX/XX/year>, and my account was enrolled in Auto Pay.

Despite this, a {$97.00} balance was later reported to collections without any notice. I never received a final billby email or mailand was not informed of any remaining balance. I spent nearly one hour on the phone with XXXX support, but no representative could explain the charge or provide a final invoice.

This collection account is inaccurate and was sent in error. XXXX failed to provide notice or documentation, and this has unjustly impacted my credit report.

I respectfully request that this issue be investigated. Please provide the results of your investigation and copies of any supporting documentation or billing records XXXX used to justify this collection. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
Hi. In XX/XX/XXXX, I received a letter from Total VistXXXX about an investigation concerning the accuracy of the reporting of a closed account I had with them.

Simply put, the letter stated that they are reporting information correctly with the NCRAs. In truth, they are inaccurately reporting information, such as the worst account status and last updated.

I have attached a screenshot of my XXXX  file with them ; XXXX  and XXXX  are reporting the same erroneous info.

In the screenshot, it shows none as the worst delinquency status, which is inaccurate. In addition, the account is lacking a proper recording of payment history ( no positive payments noted.

I am confused. Either the account was positive or had a delinquency when it was closed on
XXXX.


In addition, I am unable to find the information of the company they claimed to have sold the account to. This is violating my civil rights and is causing me financial distress, harm, and injury. I demand that this account is either updated to a 100 % accuracy or be forever deleted from all consumer reports. This is the second letter I received from them, and the erroneous information remains! Please help! The first letter was dated sometime in
XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation