vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I am requesting the immediate removal of inaccurately reported late payments associated with the following accounts on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These creditors never notified me of an upcoming due date or delinquency prior to reporting the late payments, which violates both their obligations as furnishers and Equifaxs duty to report accurate and verifiable information.

Per FCRA 1681e ( b ) and 1681i ( a ), if the data can not be verified or was reported unfairly, it must be deleted. 

Specifically, I am requesting : A reinvestigation into the accuracy of the late payments. 

Equifax to require proof from each furnisher ( dated notices, emails, or communications showing I was properly informed prior to delinquency ). 

If such proof can not be produced, each late mark must be permanently deleted from my report. 

A written confirmation of deletion and an updated credit report within 15 business days.

If these requests are not honored, I will continue with formal complaints to the FTC, State Attorney General, and pursue legal remedies under FCRA 616, including statutory and actual damages. 

This is not an unreasonable demand. I am simply requesting an accurate and fair credit file, as guaranteed under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Over the past two years, I have been disputing multiple accounts that are not mine, yet they continue to show up on my credit reports. These accounts are in collections under names like XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Credit Management Co. I believe someone with a similar name used my information fraudulently. 

In XX/XX/year>, I filed a police report for identity theft and began contacting all three credit bureaus and the collection agencies involved. Ive formally requested proof of debt, contracts, or any documents showing I opened these accounts, but the agencies have either not responded or verbally promised deletionthen failed to follow through. Ive also filed disputes directly with the credit bureaus, but the accounts remain or are re-verified without explanation. 

This situation is now affecting my ability to get a graduate school loan, and its placing significant strain on my financial future. Ive taken every appropriate stepfiling disputes, sending letters, contacting collectors directlyand I still havent received proper resolution. 

These accounts are not mine, and Ive provided documentation to prove that. I am asking for a full investigation and for the fraudulent accounts to be permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
Over {$5000.00} of unauthorized transactions from chase to XXXX XXXX I have given chase all information needed and they still closed my claim after me pleading to them that it wasnt me. I have statements from XXXX XXXX even proving my card/account declared stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MI

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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE # XXXX LETTER # XXXX This is my XXXX recorded submission regarding Equifaxs continued noncompliance with FCRA 605C and 12 C.F.R. 1022.142. Despite receiving my notarized affidavit, FTC Identity Theft Reports, police report, and ID documentation, Equifax has failed to block and delete the accounts associated with human trafficking within the XXXXday legal deadline. Their responses are copy-paste denials issued across platforms, which constitutes a negligent and willful violation under FCRA 616 and 617. I am requesting immediate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Since I started my lease with XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, I've had my account on autopay. My lease was to come to an end on XX/XX/XXXX, but for some reason they declined and cancelled my payment and account on XX/XX/XXXX. 

On XX/XX/XXXX I refinanced the car effectively closing my account with CXXXX XXXX  They decided to penalize me maliciously with a XXXX  XXXX  late payment mark on my credit. 

The proof from their payment vendor, XXXX, that the account was closed and my payment declined is included along with proof that their was funds in my account to cover this payment. 

XXXX XXXX needs to be investigated and they need to remove this erroneous late payment mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code S 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. Below are the accounts I am requesting to be reinvestigated : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$63.00} Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$570.00} Date Opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$640.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$2400.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$560.00}. 
Date Opened : XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to apply for credit. I am unable to apply due to it saying my credit is frozen. I have checked all three of the major credit bureaus and all of my reports are unfrozen. The XXXX major credit bureaus are also telling me my credit is unfrozen, but I am still unable to apply for credit.

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 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NE

Complaint narrative:
Jefferson Capital, has re-aged multiple debts originally delinquent around XXXX and is now reporting them as new ( XXXX ) to illegally extend their presence on my credit report. These include debts from XXXX This is a clear violation of the Fair Credit Reporting Act and has harmed my ability to get housing, credit, and financial assistance. I request removal of the incorrect accounts or correction to reflect the true dates of first delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of the following fraudulent account from my credit report : XXXX XXXX XXXX Account Number : XXXX This account is the result of identity theft, not a legitimate obligation. I have already provided all required documentation to support this claim, including : Government-issued photo ID Social Security card Proof of current address FTC Identity Theft Report Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to take the following actions : Block this identity theftrelated account from my credit file within XXXX business days of receiving proper documentation, in accordance with 15 U.S.C. 1681c2.

Reinvestigate and, if no proof of authorization is found, permanently delete the account per 15 U.S.C. 1681i ( a ).

Provide written confirmation of the deletion and send an updated copy of my corrected credit report within XXXX business days. 

If this matter is not resolved promptly, I will proceed with formal complaints to the CFPB, FTC, BBB, and the State Attorneys General in both your jurisdiction and mine. I also reserve the right to take legal action under FCRA 616, which entitles me to up to {$1000.00} per violation, plus any actual damages and attorneys fees. 

This resolution is lawful and time-sensitive. I expect immediate action and full compliance without delay.

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 2025-07-31 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which has not been corrected despite my previous attempts to resolve these issues. The continued inaccuracy of my credit report is negatively impacting my credit score and overall financial health. 
I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted previous disputes to address these errors, but they have not been corrected. Under the FCRA, you are required to conduct a reasonable investigation of all disputes and correct any inaccurate information. The continued presence of these errors on my credit report indicates a failure to comply with the law and has caused significant harm to my creditworthiness. 
I respectfully request that you : Immediately investigate these disputed items. As per the FCRA, you are obligated to conduct a full investigation and resolve any inaccuracies within 30 days. 
Provide a resolution or update. Please inform me of your findings and the actions taken regarding the disputed items. 
Remove any unverifiable or inaccurate information. If you are unable to verify the disputed information, I request that you promptly remove it from my credit report. 
Additionally, I request that you send me a written confirmation once these issues have been corrected, along with an updated copy of my credit report reflecting the changes. 
I trust that you will address this matter in a timely and lawful manner. Thank you for your attention to this issue. I look forward to your prompt response.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
b'I recently checked my credit reports . Equifax is reporting my date of birth wrong. The other XXXX  are reporting correctly. My date of birth is XXXX they are reporting XXXX. They are also reporting the wrong address. I recently had XXXX  added to my report which should have been updated to my current address. I have lived here XXXX XXXX years . My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also they have other names listed that are incorrect. My legal and only name that I use is XXXX XXXX XXXX. They are also not reporting my employer which is listed on the other XXXX  bureaus. My employers name is XXXX XXXX. I have included photos.'

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
b'I recently checked my credit reports . Equifax is reporting my date of birth wrong. The other XXXX  are reporting correctly. My date of birth is XXXX they are reporting XXXX. They are also reporting the wrong address. I recently had XXXX  added to my report which should have been updated to my current address. I have lived here XXXX XXXX years . My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also they have other names listed that are incorrect. My legal and only name that I use is XXXX XXXX XXXX. They are also not reporting my employer which is listed on the other XXXX  bureaus. My employers name is XXXX XXXX. I have included photos.'

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information reported by CAPITAL ONE BANK USA on my credit report. Despite my requests, the company has failed to provide proper validation or documentation proving that I am responsible for this account. The continued reporting of this account is damaging my credit and violates the Fair Credit Reporting Act. 

I want the Consumer Financial Protection Bureau to investigate this matter, ensure that Capital One Bank USA complies with federal law, and have the unverifiable and inaccurate information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Over the past XXXX years, I have been disputing multiple accounts that are not mine, yet they continue to show up on my credit reports. These accounts are in collections under names like XXXX XXXX XXXX XXXX, Midland Credit Management, and XXXX XXXX XXXX. I believe someone with a similar name used my information fraudulently. 

In XX/XX/year>, I filed a police report for identity theft and began contacting all three credit bureaus and the collection agencies involved. Ive formally requested proof of debt, contracts, or any documents showing I opened these accounts, but the agencies have either not responded or verbally promised deletionthen failed to follow through. Ive also filed disputes directly with the credit bureaus, but the accounts remain or are re-verified without explanation. 

This situation is now affecting my ability to get a graduate school loan, and its placing significant strain on my financial future. Ive taken every appropriate stepfiling disputes, sending letters, contacting collectors directlyand I still havent received proper resolution. 

These accounts are not mine, and Ive provided documentation to prove that. I am asking for a full investigation and for the fraudulent accounts to be permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: OH

Complaint narrative:
This is a formal dispute regarding the Bankruptcy you are reporting on my consumer file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and 1681i ( a ), you are required to ensure maximum accuracy and to fully verify any disputed item. Additionally, under UCC 3-501, I am demanding presentment of the original contract and any source documentation used to verify this public record. The court does not report consumer information to LexisNexis or any consumer reporting agencies. Therefore, unless you have first hand documentation or the original furnishing party, you are in violation of federal law by continuing to report unverified and inaccurate public record data. I am requesting : A copy of the original source used to verify this bankruptcy The method and party used to obtain and verify this information If you can not provide verifiable, documented proof, you are required by law to delete this item from my file immediately under FCRA 1681i ( a ) ( 5 ) ( A ). XXXX XXXX XXXX XXXX Date Reported : XX/XX/year> Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I previously file a claim - XXXX regarding to Bank of America letting XXXX withdrew money from my credit cards without my authorizations. 

They've exceeded the 2 billing cycle window required by law. I requested them must either resolve this or provide proof the charges were valid. Reversing temporary credits without conclusion and continuing to charge interest is unjust and unlawful under FCBA 161 and 1666.

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 monetary relief