vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-03 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: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
bank of america - I was told a supervisor would return my call within XXXX hours, instead it was two days. I called XX/XX/year> asking for POA assistance for an incarcerated individuals and they said the incarcerated individuals had to appear at a branch. not sure how if they are incarcerated. XXXX was the supervisors that was suppose to reach back out to me. Unacceptable and want to file a formal compliant due to lack of accountability leading to prolonging accept to the incarcerated individuals account. Unacceptable procedures you have.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by ProCollect Incorporated regarding my former apartment at XXXX XXXX. 
I moved out on XX/XX/year>, provided my forwarding address on XX/XX/year>, and the landlords deadline to provide a Final Account Statement ( FAS ) was XX/XX/year>. 
The collector sent an invoice showing FAS Prepared : XX/XX/year>, but I never received it by mail or email. 
I emailed the collector on XX/XX/year> and again on XX/XX/year> disputing the debt and requesting validation. They never provided proof of delivery or validation. 
Despite my dispute, on XX/XX/year>, the collector reported the account to my XXXX  credit report for {$480.00} ( bathtub {$250.00} + water/sewer {$230.00} ). 

I request that CFPB investigate this matter, as the collector violated the FDCPA by reporting a debt that remained in dispute, and the FCRA by reporting without validation. I also request removal of this tradeline from my credit report

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am once again reaching out regarding my credit file, which continues to reflect accounts and balances that are inaccurate and harmful to my financial record. These items are not mere mistakes to be corrected they are violations of the Fair Credit Reporting Act ( FCRA ) and must be permanently deleted in order to restore the integrity of my report. 
My file is still showing a late closed account that carries a Balance : {$0.00}, which should never continue to appear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX The ongoing reporting of this account violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because furnishers are prohibited from knowingly reporting inaccurate information. It also violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires unverifiable information to be deleted, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under 605B / 15 U.S.C. 1681c-2, I have the right to block this information from being reported. 
Even more concerning, my file is showing a charge-off with a listed balance, yet no evidence of proper cancellation of debt such as a XXXX has ever been provided. Specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX  Reporting a charge-off in this way is misleading, incomplete, and unlawful. The absence of a XXXX demonstrates that the debt was not properly documented, making this reporting inaccurate under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and requiring permanent deletion. 
Finally, my report still includes a collection account that is likewise inaccurate and unverifiable XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  This is in direct violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires deletion of unverifiable items, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting false or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, I transferred {$1100.00} to XXXX XXXX Shortly after the transfer, I discovered discrepancies that prompted me to file a dispute. Once the concerning information came to light, I submitted a detailed message along with a picture to the support team, hoping to resolve the issue quickly. However, despite my efforts, there has been no resolution to my case. I have disputed the matter multiple times, each time providing additional evidence and reiterating my concerns, yet the outcome remains unchanged. Frustrated by the lack of progress, I even took the additional step of filing a police report to document the situation. Despite all these efforts, the credit card company continues to refuse to return the money that was stolen from my account, leaving me feeling helpless and dissatisfied with the handling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$640.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im deeply concerned that these inaccurate accounts are still appearing on my credit reports, and despite everything, they havent been taken off. Im pleading that you carefully review all the documents Ive attached so I can finally stop living with this constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: OK

Complaint narrative:
I missed a payment. They defaulted & sued. I had a bank garnishment. I paid what was owed. Now they say I owe another XXXX. They cant tell me where this amount came from. They do not have anything on their website. They said they would not talk to me. Only a lawyer. After they garnished my bank account, they are now going to my employer to garnish my paycheck. I have no idea what I owe or where the amounts came from.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: SC

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 2025-10-03 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: PA

Complaint narrative:
In accounts with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and under 15 U.S.C 1681 section 602A. States I have the right to privacy.

More than 180 languages asiat 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 nformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16815-2 ( 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 Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX inquiry date XXXX XX/XX/XXXX XXXX  XXXX XXXX  inquiry 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 2025-10-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ACIMA CREDIT, LLC
State: DE

Complaint narrative:
A company called province called and said I had a claim filed against me through the company acima they call non stop and make threats and have withdrew {$100.00} from my account every two weeks and have not given me proof of payment or disclosed there address or anything and they leave threatening voicemails to show up to my place of residence and my place of work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX for {$1400.00} ( opened XX/XX/year>, original creditor The XXXX  at XXXX XXXX  ). 

After my disputes, XXXX  deleted this same account as unverifiable, but Equifax and Experian continue to report it as verified. They did not provide any documentation or method of verification when I requested it. 

I was never properly notified in writing by the debt collector as required under the FDCPA, and the bureaus inconsistent handling of the account shows the information is not reliable. 

I am requesting that Equifax and Experian delete this collection account unless they can provide actual documentation proving its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: SC

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-03 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: NY

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 
XXXX XX/XX/year> XXXX AUTO XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>, XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the 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 non-monetary relief