vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my XXXX XXXX 

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within XXXX business 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 explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 writing this complaint with absolute certainty and extreme frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and my credit score, making it impossible for me to achieve financial freedom and stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to TransUnion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
Help for me as I'm fighting XXXX and my XXXX XXXX has been stolen. {$170.00} and they all do the same thing, laugh at me and tell me its my problem not theirs. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IN

Complaint narrative:
I am filing this formal complaint regarding XXXX inaccurate reporting of multiple late payments. According to your records, several payments are falsely marked as late. In reality, these payments were made on time, yet this incorrect and damaging information remains on my credit report, directly harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Im asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
I previously reported identity theft and disputed an account titled XXXX XXXX acct XXXX {$1900.00} on my TransUnion credit report. After investigation, TransUnion deleted this fraudulent account from my report on XX/XX/2025. I filed a CFPB complaint documenting this : XXXX. 

However, the same account has now reappeared on my credit report under a different name, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ), without my knowledge or consent. I was not notified of this reinsertion, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to notify violates my rights and has caused damage to my credit and stress. 

I have requested TransUnion to immediately remove this fraudulent account permanently and provide validation for this debt. I am filing this complaint because TransUnion is failing to protect me from identity theft and is not following proper legal procedures regarding disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
b'Improperly using my information without my consent.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NV

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
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my closed deposit account, Account XXXX. 

On XX/XX/XXXX, I closed my account with Capital One. Despite this, the account was unilaterally reopened on XX/XX/XXXX by Capital One to process an unauthorized debit. This action not only went against my explicit closure request, but has also resulted in an overdraft and associated fees. 

I wish to highlight Consumer Financial Protection Circular XXXX, which states that after consumers have closed deposit accounts, if a financial institution unilaterally reopens those accounts to process debits or deposits, it can constitute an unfair practice under the Consumer Financial Protection Act ( XXXX ). Specifically, this practice : XXXX impose substantial injury on consumers that they can not reasonably avoid, and it is not outweighed by countervailing benefits to consumers or competition. 

In my case, this action has caused financial harm and inconvenience, and I could not have reasonably avoided this injury once the account was reopened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this letter on my own behalf. I am writing to dispute fraudulent and inaccurate information which is appearing on my credit file. I am a victim of identity theft and the following account and inquiries have been applied and or opened on my account without my knowledge or consent : XXXX  XXXX XXXX, XXXX. I have never applied for, opened, or authorized this account in any way. Under FCRA 605b 15 USC 1681c-2 this section entitles me to have all information from identity theft blocked from my credit report within 4 business days of receipt of this dispute. supporting documentation, and proof of identity. FCRA 611 15 USC 1681i requires a reinvestigation of disputed information within 30 days. Additionally, FCRA 602 and 607 ( b ) 15 USC 1681e ( b ) advises that all information reported must be accurate and up to date. XXXX XXXX  is erroneously reporting a 30 day late payment. I would like this account verified as I have had a 5 year on time payment history. Please respond in writing within the timeframes required by the FCRA. Failure to comply will result in me filing a complaint with the CFPB and or the Attorney General and FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this letter on my own behalf. I am writing to dispute fraudulent and inaccurate information which is appearing on my credit file. I am a victim of identity theft and the following account and inquiries have been applied and or opened on my account without my knowledge or consent : XXXX  XXXX XXXX, XXXX. I have never applied for, opened, or authorized this account in any way. Under FCRA 605b 15 USC 1681c-2 this section entitles me to have all information from identity theft blocked from my credit report within 4 business days of receipt of this dispute. supporting documentation, and proof of identity. FCRA 611 15 USC 1681i requires a reinvestigation of disputed information within 30 days. Additionally, FCRA 602 and 607 ( b ) 15 USC 1681e ( b ) advises that all information reported must be accurate and up to date. XXXX XXXX  is erroneously reporting a 30 day late payment. I would like this account verified as I have had a 5 year on time payment history. Please respond in writing within the timeframes required by the FCRA. Failure to comply will result in me filing a complaint with the CFPB and or the Attorney General and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a case against Chase Bank VISA. I was overcharged for {$190.00}. No amount of explanation had changed their decision. It sent me a mail stating that the charge was legitimate. I am refuting this for the following reasons : 1. The transaction on XX/XX/year> with XXXX was for a rental accomodation in XXXX, XXXX. The total amount charged to me was in XXXX XXXX XXXX. This is wrong, for it should be in Euros. The Chase Bank US conversion was {$1300.00}. The rental accommodation by XXXX was made in XXXX, XXXX. Thus, the US conversion should be based on Euros ; not XXXX XXXX. I should only be charged in USD, XXXX ; an overpayment of {$190.00}. 

XXXX XX/XX/year>, a transaction with XXXX for XXXX rental accommodation was made in XXXX, XXXX. Just to show the inconsistency of XXXX, it charged me, this time, in Euros : XXXX. The USD payment was made based on the euro/us conversion exchange of XXXX, totalling to USD XXXX. This is okay, because the transaction was based on Euros. 

What is appalling is that, no amount of explanation I gave to Chase Bank VISA would change its mind about the " pound sterling ' fiasco. This is fraud. 
Today, I again explained my side. I am not confident with the Chase Bank decision making because it already faulted me once ( sending me a formal letter about the legitimacy of the XX/XX/year> transaction. 

Please intervene on my behalf. It would be much appreciated. Thank you, in advance, for your assistance. 

Sincerely yours, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX.S. Code 1XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: BARCLAYS BANK DELAWARE
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CO

Complaint narrative:
I am writing to file a formal complaint against EdFinancial Services regarding inaccurate and damaging reporting of late payments on my parent plus loan account. 

The account has been set up for automatic draft payments since repayment began. However, XXXX has repeatedly failed to process the automatic withdrawals on the due dates. Despite this failure, they continue to send notices after the due date stating : Nothing to do on your end. Your account is set up on automatic auto-draft payments. 

In reality, I have been manually making the loan payments on time each month, regardless of these notices, to ensure the account remains current. Even with these timely manual payments, XXXX has reported XXXX ( XXXX ) XXXX-day late payments to the credit bureaus. 

This reporting is inaccurate and has caused significant harm to my credit. My XXXX XXXX, which was consistently above XXXX, has dropped substantially, limiting my ability to make financial decisions and pursue opportunities. 

I have : Contacted XXXX multiple times to dispute these false late payment reports. 

Sent formal written disputes to XXXX. 

Filed disputes with XXXX XXXX XXXX XXXX 

To date, this issue has not been resolved. I am requesting : XXXX removal of all incorrect late payment entries from my credit file. 

Written acknowledgment from XXXX confirming their error and correcting my account history. 

XXXX that this error will not occur again. 

XXXX failure to properly process payments and its continued misreporting is unacceptable and has caused measurable financial harm. I respectfully request the XXXX XXXX XXXX XXXX urgent assistance in resolving this matter. 

Thank you for your attention. I am prepared to provide supporting documentation, including payment confirmations, statements, and correspondence with XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: PA

Complaint narrative:
The original hospital has closed down, I think they went into XXXX, XXXX XXXX, my Debt was sold to The National Recovery Debt Collector, I didn't receive any notice of this Debt beig sold, this is a medical Debt which was during the time of Covid I was working in which I thought was covered under my insurance. This was during the XXXX XXXX in which I had .These medical bills were not to br on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
there is XXXX fraud account on my report! 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX I HAVE PROVIDE A POLICE REPORT AND FTC REPORT AND XXXX XXXX REPORT A ADFIDAVET OF FACT! 
PLUS, AND A VICTOM OF EQUIFAX XXXX BREACH!! 

IF YOU THINK THIS PEOPLE REALLY CARE OR EQUIFAX CARE THEY DONT CUZ THEY GET PAY BY THE CREDITOR AND MENBERSHIP!! THIS EQUIFAX LIE OVER AND OVER AND OVER HEY JUST XXXX!! THEY DONT WANT TO FALLOW THE LAW!!! THEY ASK YOU FOR DOCUMENT OVER AND OVER TO AVOID FIXING THE MATTER!!! I WILL SUE EQUIFAX IF THIS MATTER IS NOT DELETE FROM CREDIT PROFILE.

Company response to consumer: Closed with explanation