vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is to bring attention to a fraudulent account that has been reported under my name. I have no association with this account, nor have I ever authorized it. Its presence is inaccurate, harmful, and misrepresents my true financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
These accounts were fraudulently added to my credit report. I request immediate removal and a full review of the matter. Attached are supporting 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 non-monetary relief
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
b'TransUnion, Equifax, Experian \n\nRe: Formal Dispute of Inaccurate/Unverifiable Credit Reporting\nAccount: XXXX XXXX XXXX   Account # XXXX\n\nTo Whom It May Concern:\n\nI am formally disputing the accuracy and legality of the reporting of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\n\nThis account is reported as a Collection/Charge-Off with a current balance of $XXXX  against a $XXXX  credit limit. Furthermore, it is listed under my credit profile as Authorized User. This reporting is:\n\t1.\tInaccurate & Misleading (FCRA  623(a)(1)(A))  Authorized Users are not contractually liable for repayment. Reporting this as my responsibility is a direct misrepresentation of my financial obligation.\n\t2.\tIncomplete (FCRA  609 &  611)  No original signed contract, billing statements, or proof of liability has been provided. Without such documentation, the account cannot be verified as mine.\n\t3.\tErroneous Balance Reporting (FCRA  607(b))  The reported balance exceeds the original credit limit, which is inaccurate and damages my creditworthiness.\n\t4.\tUnverifiable Status (FCRA  611(a))  You are required to conduct a reasonable reinvestigation. If the furnisher cannot provide legally sufficient verification, this item must be deleted.\n\n\nI am demanding an immediate reinvestigation and removal of this account from my credit file. If the furnisher cannot provide:\n\t\tA copy of the original signed agreement showing my liability as the primary account holder, and\n\t\tComplete payment history with accurate balances,\n\nthen this account must be deleted immediately under FCRA  611(a)(5).\n\nFailure to comply will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office for willful noncompliance. I also reserve my right to pursue civil remedies under FCRA  616 and  617.\n\nPlease provide written confirmation of your reinvestigation and results within the statutory 30-day period.'

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, several XXXX XXXX debits were posted to my Chase checking account ending in XXXX. These debits included charges totaled {$3200.00} I did not authorize XXXX Bet to use my Chase account, and I do not have an XXXX Bet account in my own name. Despite this, the merchant was able to process these debits against my account. 

At the time of these charges, I was XXXX XXXX XXXX ( XXXX : XX/XX/year> ). Both New York State law and XXXX XXXX own published terms require customers to be at least XXXX XXXX XXXX to place wagers. Since I was under XXXX, it was legally impossible for me to provide valid authorization. The merchant failed to comply with their own mandatory verification rules by allowing these transactions to be processed. 

I submitted a dispute to Chase with supporting documentation, including : A copy of my drivers license proving my date of birth. 

A Chase statement showing the disputed XXXX XXXX debits. 

XXXX Bets terms of service requiring customers to be XXXX. 

Chase denied my dispute and closed the case, stating that they did not find fraud. This is not just a fraud issue it is a compliance failure. XXXX XXXX processed transactions from someone legally ineligible to authorize them, and Chase has improperly held me responsible. 

I am requesting that Chase re-review this case and reverse the XXXX XXXX debits, as these transactions were unauthorized and processed in violation of merchant compliance obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I settled/paid two collections on the XXXX that were with portfolio recovery. Portfolio recovery continued to mark it as unpaid for 10 days and kept the balance open. 

Portfolio recovery reported the balance as {$0.00} on XX/XX/XXXX to all credit bureaus. Equifax will not update it and claims they received no information even though transunion and experian received and updated the info. Portfolio recovery refuses to send any additional updates, but tells me that I can have XXXX  call in, XXXX  will not do this. 

I opened a dispute yesterday and its not appearing to portfolio recovery ( I called them ) so they can't respond to it. I wanted to close it and open a new dispute and they refused to help with that. 

I just called in, waited on the phone for XXXX minutes and then spoke to a rep, escalated to a XXXX who at some point during the call decided to sit in silence instead of helping me and I stayed on that call for a just shy XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
Date : XX/XX/2025 Equifax Experian Transunion YOU VIOLATED THE UNITED STATES CODE LAW ( TILA 15 U.S.C. 1666 ( b ) ) FIX IT NOW!

I just checked my credit report and found MULTIPLE BILLING ERRORS under 15 U.S.C. 1666 ( b ) BILLING ERROR you screwed up!

( 4 ) YOU FAILED to properly reflect a payment made by me or a creditor to the obligor on a statement.

( 5 ) YOU MADE a computation error or some other sloppy accounting mess on a statement.

I know you didnt notify me 21 days before that statement, so theres NO EXCUSE for late payment marks! You didnt pay and marked it late because of your pathetic billing error FIX THIS NOW!

The items below BETTER be updated to paid as agreed on my consumer report : DEPTEDNELNET - XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1666B this is a billing error. Payments were made on time THIS IS PAID AS AGREED and should NOT be negatively reported!

As a consumer, I DEMAND these accounts on this letter be updated or DELETED IMMEDIATELY! This is a 15 U.S.C. 1681n civil liability violation Ive been violated, and were already involved in court and state under my rights! Take this to the Complaint Portal ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ) NOW! 

Sincerely, 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Date : XX/XX/2025 Equifax Experian Transunion YOU VIOLATED THE UNITED STATES CODE LAW ( TILA 15 U.S.C. 1666 ( b ) ) FIX IT NOW!

I just checked my credit report and found MULTIPLE BILLING ERRORS under 15 U.S.C. 1666 ( b ) BILLING ERROR you screwed up!

( 4 ) YOU FAILED to properly reflect a payment made by me or a creditor to the obligor on a statement.

( 5 ) YOU MADE a computation error or some other sloppy accounting mess on a statement.

I know you didnt notify me 21 days before that statement, so theres NO EXCUSE for late payment marks! You didnt pay and marked it late because of your pathetic billing error FIX THIS NOW!

The items below BETTER be updated to paid as agreed on my consumer report : DEPTEDNELNET - XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1666B this is a billing error. Payments were made on time THIS IS PAID AS AGREED and should NOT be negatively reported!

As a consumer, I DEMAND these accounts on this letter be updated or DELETED IMMEDIATELY! This is a 15 U.S.C. 1681n civil liability violation Ive been violated, and were already involved in court and state under my rights! Take this to the Complaint Portal ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ) NOW! 

Sincerely, 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 2025-09-03 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX  Date : XX/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 2025-09-03 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-03 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: MI

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 " Public Record - Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXXXXXX XXXX XXXX XXXX  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 : 1. 2. 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 explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have identified inquiries on my credit report that I did not initiate and that are not connected to any account or transaction of mine.

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 2025-09-03 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: TX

Complaint narrative:
b'Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly; Id like this to be disputed and corrected to show no late payments.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: U.S. BANCORP
State: MS

Complaint narrative:
I am filing a formal complaint against U.S. Bank regarding a fraudulent auto loan account that was opened without my knowledge or consent. This fraudulent account is tied to a broader identity theft and false pretense fraud scheme orchestrated by an individual who accessed my personal information, including my identification and email, to obtain auto loans under my name. 

After learning of this fraud, I promptly filed reports with the Federal Trade Commission ( FTC ) and local law enforcement, and I have provided U.S. Bank with all supporting documentation, including proof of delivery of these materials. Despite this, U.S. Bank repossessed the vehicle tied to the fraudulent account without responding to my written cease-and-desist requests, without clarifying the status of the loan, and without transparent communication regarding my fraud dispute. 

I have made multiple payments on this account under duress before I was fully aware of the fraudulent nature of the transaction. My legal representation has since advised me to stop making payments. U.S. Bank is now requiring me to re-file a fraud claim, despite my prior submissions, and has not confirmed whether I will be reimbursed for the payments and fees I already made or responded to any correspondences. 

The harm includes : Financial losses from payments made toward a fraudulent account. 
Damage to my credit history due to delinquency reporting on an account that was never legitimately authorized. 
Emotional distress and legal expenses incurred in attempting to resolve this matter. 

I am requesting that U.S. Bank : XXXX. Immediately remove all fraudulent accounts and loans from my credit profile. 
XXXX. Reimburse me for all payments, late fees, and related charges made on this account. 
XXXX. Suspend all adverse credit reporting tied to this matter while the claim is under review. 
XXXX. Provide a written determination of their fraud investigation, including whether the loan contract is canceled. 

This situation represents an egregious failure of U.S. Bank to protect consumers from identity theft and to respond once fraud has been reported appropriately. I have cooperated fully and provided all documentation. I am seeking CFPBs assistance to ensure U.S. Bank resolves this matter fairly and expediently.

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 2025-09-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: GA

Complaint narrative:
The following companies requested my credit report and I did not authorize them and I do not recognize them. and Equifax/Experian/Transunion are reporting these fraudulent inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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