vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
I am filing a complaint regarding multiple accounts that are reporting inaccurate, inconsistent, or misleading information on my consumer reports, causing harm to my credit profile and financial standing. The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reporting a balance of {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting a balance of {$130.00} ; XXXX XXXX XXXX  ( XXXX XXXX {$64.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting {$560.00} ; XXXX XXXX collecting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$17.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing {$0.00}. Additionally, several accounts listed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) appear to have inaccurate or questionable reporting dates. I dispute the accuracy, completeness, and legitimacy of the information furnished by these creditors and collectors, as the balances, statuses, and dates do not align with my records, prior communications, or my legal rights under the FCRA, and I am requesting a full investigation into each entry.

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 2025-11-21 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 filing a complaint regarding multiple accounts that are reporting inaccurate, inconsistent, or misleading information on my consumer reports, causing harm to my credit profile and financial standing. The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reporting a balance of {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting a balance of {$130.00} ; XXXX XXXX XXXX  ( XXXX XXXX {$64.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting {$560.00} ; XXXX XXXX collecting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$17.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing {$0.00}. Additionally, several accounts listed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) appear to have inaccurate or questionable reporting dates. I dispute the accuracy, completeness, and legitimacy of the information furnished by these creditors and collectors, as the balances, statuses, and dates do not align with my records, prior communications, or my legal rights under the FCRA, and I am requesting a full investigation into each entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
Unauthorized Hard Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am deeply frustrated because these inaccurate late payments keep showing up on my report, and nothing changes even after refreshing. I need the documents I provided to be investigated thoroughly right now so I can finally stop worrying about something that should have been fixed already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: CA

Complaint narrative:
I am disputing an alleged debt that TekCollect is trying to collect on behalf of XXXX XXXX ( XXXX ). The company is attempting to collect the wrong amount, reported the debt without validating it, and the original program was misrepresented at enrollment. 

I enrolled in the XXXX XXXX program in XXXX. At the time, the program was marketed as a professional, widely recognized certification that would qualify me for employment in health and wellness settings. After completing the program, I learned that the certificate is not accredited, not recognized by employers, and does not provide the value or career opportunities that were represented during enrollment. This is a form of deceptive educational marketing. 

I was never provided a proper final bill, itemized breakdown, or billing notices before the balance was sent to collections. I did not receive the required disclosures or opportunity to resolve the balance directly with XXXX XXXX. 

TekCollect reported a collection account to my XXXX  credit report in XXXX without validating the debt. I did not receive verification of the amount, explanation of charges, or proof that the balance is correct. They also reported the debt while I am actively disputing it, which violates the Fair Debt Collection Practices Act ( FDCPA ), the California Rosenthal Act, and the Fair Credit Reporting Act ( FCRA ). 

This debt is inaccurate, unverified, and improperly reported. 
I am requesting : Removal of the collection account from my credit report Full validation and itemized documentation of the alleged debt Investigation into Integrative Nutritions misleading marketing practices Investigation into TekCollects improper reporting and collection practices Thank you for reviewing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase has reported my non-public personal information to XXXX XXXX XXXX without my consent and it is causing my harm in the way of denials for necessities. I did not and do not consent to them sharing my private information with any third party consumer reporting agency. They are violating federal laws, and I want my name and anything using my social security number removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I issued a check to the US treasury for a payment to the IRS on or about XX/XX/XXXX in the amount of {$11000.00}. The check was stolen, possibly at the Post Office and altered and a copy made with the payee changed to " XXXX XXXX ''. The font and logo on the altered check were different. TD Bank cashed the check. TD said that I did not notify them and stop payment within 60 days and therefore would reimburse me. I found out that the IRS did not receive payment until they notified me in XX/XX/XXXX. I immediately went to TD bank where they provided me a copy of the altered check. This was not a stop payment issue. It is a fraud issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the closure of my Citi credit card account, which I believe was handled unfairly and without proper review of the documentation I submitted. 

On XX/XX/XXXX, Citi placed a hold on my card and requested that I submit specific documents for verification. I complied fully with this request and mailed the required documents well before the stated deadline. According to USPS tracking number XXXX, the documents were delivered to Citi on XX/XX/XXXX. 

Despite submitting everything on time, I logged into my account and discovered that my card had been closed, with no prior notice and no explanation provided. When I attempted to understand why this occurred, I received no clear information from Citi. 

This situation is unacceptable. I met all requirements and acted in good faith, yet my account was closed as though I had failed to respond. This not only reflects poor handling of my case but also raises concerns about fairness, communication, and proper processing of customer documents.

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 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I got a new phone and Im trying to log into my XXXX account it asks me for the email code I put it in. Then it asks me for my phone number code Im not able to access my account when I contact customer support they send me to a XXXX chat on the website and it sends me to this phone number for customer support its a fake ai set up ( XXXX ) XXXX Im not able to speak or get help! Im not able to access the live chat they say they have in the app because Im not able to log in Ive tried everything! Ive tried all the help numbers they have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
I do not own a XXXX account, but there is a collection for {$430.00} on my credit. The address on the collection says XXXX XXXX XXXX XXXX XXXX, TN XXXX, but i have never lived at this address. I believe that this is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I filed a dispute with Truist for a debit card merchant transaction for merchandise I did not receive. The dispute has been open for several weeks with no provisional credit issued. This exceeds the XXXX business day Regulation E investigation timeframe.

Multiple Truist supervisors gave me contradictory and incorrect information. I was told that merchant transactions and signature debit transactions are not covered under Regulation E, which is false. I was also told that a provisional credit is a courtesy and that only a computer system can issue it, which is not accurate.

A manager named XXXX refused to provide his employee ID, refused escalation to the dispute manager, and stated my claim was not covered under Regulation E. He said he would send a denial but could not explain why the claim was excluded from Regulation E protections.

I am requesting immediate provisional credit and a proper Regulation E investigation. Truist has given misinformation, refused escalation, and failed to comply with Regulation Es required timelines.

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 2025-11-21 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: KY

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) And Criminal Complaint # XXXX with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I request that the following fraudulent items be blocked within 4 business days. I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO XXXX  credit report, which I do not recognize and which are the result of identity theft and fraud. 
These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX XXXX on XXXX under account number XXXX, a Credit Card account XXXX at XXXX XXXX XXXX XXXX XXXX under account number XXXX, a Personal Loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, and a Personal Loan account opened at XXXX XXXX XXXXy on XXXX under account number XXXX. They have resulted in multiple fraudulent hard inquiries, collections, and charge-offs appearing on my consumer FICO credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. 

I request that the following fraudulent items be blocked within 4 business days. I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO XXXX  credit report, which I do not recognize and which are the result of identity theft and fraud. 
These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX on XXXX under account number XXXX, a Credit Card XXXX XXXX XXXX  XXXX XXXX  on XXXX under account number XXXX, a Credit Card opened at XXXX XXXX on XXXX XXXX account numbeXXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX These accounts have resulted in multiple fraudulent hard inquiries, collections, and charge-offs appearing on my consumer FICO credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report.

Company response to consumer: Closed with explanation