vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am contacting you regarding certain negative entries on my credit report that I believe to be inaccurate. I respectfully request an investigation into the following accounts : The items in question are : XXXX. XXXX ( Collection/Chargeoff ) : This account shows as charged off with a {$0.00} balance. I request that you verify this account and provide clarification on the reporting accuracy. 
XXXX XXXX XXXX  ( Collection/Chargeoff ) : The amount of {$180.00} is listed as in collections. 
Please provide evidence of this debt, or I request that this account be removed from my report. 
XXXX. XXXX ( Late Payments ) : This account is showing a late payment of 90 days. I would like you to verify the payment history on this account, and if it is incorrect, I request that the entry be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items listed on my credit report. Upon review of my credit file, I have found discrepancies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request an investigation into these matters, and the correction or removal of any incorrect entries. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : [ Provide the issue or error related to this account. ] XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Discrepancy : [ Provide the issue or error related to this account. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: GA

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 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 2025-11-03 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:
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 2025-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: FL

Complaint narrative:
I am formally disputing the validity of the charges associated with my XXXX appointment as a new patient at your office. 

During that visit, I was scheduled for a routine dental cleaning. Upon arrival, I was seated for nearly XXXX hours without any explanation or update. Eventually, full-mouth X-rays were performed without my consent or discussion of associated costs. After waiting for approximately XXXX hours total, I was informed that the office would not be performing my cleaning and that I would need to reschedule for another day. 

Given the refusal of service and lack of communication, I do not believe I should be financially responsible for the XXXXXXXX  as I have active dental insurance and I was refused service. Following the appointment, I began receiving repeated text messages demanding payment for the X-rays. Despite explaining that the procedure was unauthorized and the visit incomplete, I was threatened with debt collection action. I have now been informed that the original charge of {$100.00} has been increased by approximately 30 %, with an additional {$26.00} in fees. 

This situation appears to violate basic consumer protection standards regarding informed consent, billing transparency, and fair collection practices. I request that this balance be removed in full and that no further collection activity occur related to this matter. 

Please confirm in writing that this debt has been cleared and that no adverse information will be reported to any credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is an inaccurate bankruptcy showing on my credit report. I respectfully request that an investigation be carried out to correct and update this information within 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 regarding an account being reported by XXXX on my credit report. The furnisher is inaccurately reporting this account as an installment loan with missed payments, when in reality it was a charged-off checking account. This account is also being reported XXXX, which is a clear case of XXXX  reporting. The current reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires data furnishers and credit reporting agencies to ensure maximum possible accuracy. Because of this false loan status, the erroneous payment history, and the XXXX  entry, I am being unfairly denied credit opportunities and suffering financial harm. I am requesting that this account be corrected immediately either by removing the XXXX  and updating the account to reflect its correct status as a charged-off checking account with no payment history, or by deleting the account entirely if accurate reporting 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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello Executive Office, I own XXXX XXXX XXXX  Your cardholder, XXXX XXXX, disputed a {$390.00} transaction dated XX/XX/year>. The service occurred. XXXX XXXX was married at my venue on XX/XX/year>. She did not cancel. She forwarded your letter stating the dispute would be reversed and her account rebilled. The dispute is still open. 



Request Close the dispute now and rebill the card.

Return {$390.00} Evidence attached Chase letter to the cardholder confirming rebill.

Booking confirmation and accepted terms.

Proof of service : ceremony photos, signed marriage license, minister log, completion receipt.

Copies of the couples IDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts remain on my credit reports : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2015 The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am a former XXXX XXXX creditor. My Bitcoin was distributed into my PayPal crypto balance as part of the XXXX bankruptcy plan ( XXXX XXXX. XXXX XXXX, XXXX. ). 

Despite full identity verification and no account issues, PayPal refuses to allow me to transfer this BTC to an external wallet. Each attempt shows the message : We cant transfer your crypto just yet. 

I contacted support multiple times and requested manual review, but agents confirmed they can not override the system and refused to create a case or escalation. I was told only to use a different payment option. 

PayPal is effectively holding my court-distributed crypto and denying me access to my funds. Please investigate and require PayPal to enable withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2025-11-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within XXXX  days.

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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have been paying my lease on time but Kia Finance is applying my payments to personal property tax ( erroneously billed ). I do not see where in my lease terms this payment application order is permissible. I have confirmation from XXXX XXXX that they are refunding $ XXXX in erroneously billed personal property tax but I havent been able to speak to anyone at Kia that can appropriately research and update my account and balance due based on the refund XXXX XXXX has sent. The agents Ive spoken to at Kia refer to an outsource company that handles property taxes and Ive tried emailing them but similarly nothing is updated. Kia needs to update the way theyve applied my XX/XX/XXXX and XX/XX/XXXX payments to apply to my lease payment account balance and not the personal property tax.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Virginia XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
This serves as my formal dispute and complaint regarding the inaccurate and unverified information you continue to report on my credit file. Your agency is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require you to maintain and report only accurate and verifiable information.

I have not been provided with sufficient proof or original documentation to substantiate the accuracy of this account. Continuing to report this item without verification is a willful and negligent act that directly violates my rights under federal law.

Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be deleted immediately from my credit report. I am demanding the removal of this inaccurate entry to ensure compliance with the FCRA and to prevent further damage to my credit profile. 

Failure to address this violation properly may result in a formal complaint with the CFPB and additional legal actions for noncompliance.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as my formal dispute and complaint regarding the inaccurate and unverified information you continue to report on my credit file. Your agency is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require you to maintain and report only accurate and verifiable information.

I have not been provided with sufficient proof or original documentation to substantiate the accuracy of this account. Continuing to report this item without verification is a willful and negligent act that directly violates my rights under federal law.

Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be deleted immediately from my credit report. I am demanding the removal of this inaccurate entry to ensure compliance with the FCRA and to prevent further damage to my credit profile. 

Failure to address this violation properly may result in a formal complaint with the CFPB and additional legal actions for noncompliance.

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 2025-11-03 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: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO 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 2025-11-03 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 explanation
Consumer complaint received 2025-11-03 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: NJ

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 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