vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank has closed my account credit card without giving me any notice suddenly and that dropped my credit score XXXX points I dont have any issues with my card no late payments no fraud and I called the customer service many times and no one have a clue why until some one told me that I dont use it a lot so I ask to reopen it compare to their policy they can but they said they cant and they kept transferring me from agent to another now theyre forcing me to open a new cc account and that will drop my score even more I couldnt get any help from them at all please help it took me 12 years to get to that credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Inquiry on Credit Report under FCRA XXXX XXXX To Whom It XXXX Concern, I am writing to dispute an unauthorized inquiry listed on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX. Upon reviewing my credit report, I discovered an inquiry that I did not authorize or recognize. 

Details of the unauthorized inquiry are as follows : Creditor : XXXX XXXX Account XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, tx XXXX XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, XXXX account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Stafford Group & Associates, in XXXX, CA XXXX to make a payment arrangement after finding out from people I know that they have been calling them, before realizing their practices were illegal. During phone calls, they misrepresented themselves as a law firm and stated that I was pending a lawsuit. They claimed I owed {$900.00} and offered a settlement for {$580.00}. I scheduled a payment for XX/XX/XXXX, but when I contacted my bank, they informed me the payment was restricted and warned me about the legitimacy of the company. 

The company engaged in multiple illegal and deceptive practices, including : Refusing to provide written validation or documentation of the debt. 

Insisting on phone-only payments, which is unsafe, deceptive, and prevents proper verification. 

Contacting family members about the alleged debt. 

Disclosing my personal address to family members I do not live with, which is dangerous as I am trying to avoid contact with someone due to an abusive situation. 

Claiming to have sent mail or letters regarding the debt, which I have never received. 

Disclosing personal information, including Social Security numbers, in a misleading or unsafe manner. 

Threatening legal action despite not being a law firm or having legal authority. 

I also have recordings of the phone calls documenting their misrepresentation. These actions constitute harassment, misrepresentation, and unfair or deceptive practices under federal and state consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
Under 15 U.S. Code 609 [ 15 U.S.C. 1681g ], I previously requested that the consumer reporting agencies provide me with verification and the original contract or proof of authorization for the accounts listed below. This was not provided.

Under 15 U.S. Code 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete that item of information from the file of the consumer. 

These accounts are inaccurate, unverifiable, and/or fraudulent. They must be deleted and permanently blocked from my credit file immediately : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX ( Closed / Charge-off ) Account # : XXXX Status : Account charged off with {$910.00} past due ( as of XX/XX/XXXX ) Original Balance : {$43000.00} I never applied for, signed for, or authorized this auto lease. This is fraudulent. 
XXXX. XXXX XXXX XXXX ( Opened XXXX XXXX ) Account # : XXXX Status : XXXX XXXX late payment reported XX/XX/XXXX Balance : {$0.00} I did not authorize this account and did not miss this payment. This late payment is fraudulent reporting. 
XXXX. XXXX XXXX  XXXX Credit Card XXXX XXXX ) Account # : XXXX Status : XXXX late payment XX/XX/XXXX Balance : {$0.00} I did not authorize this account and did not miss this payment. This late payment is fraudulent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
Under 15 U.S. Code 609 [ 15 U.S.C. 1681g ], I previously requested that the consumer reporting agencies provide me with verification and the original contract or proof of authorization for the accounts listed below. This was not provided.

Under 15 U.S. Code 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete that item of information from the file of the consumer. 

These accounts are inaccurate, unverifiable, and/or fraudulent. They must be deleted and permanently blocked from my credit file immediately : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX ( Closed / Charge-off ) Account # : XXXX Status : Account charged off with {$910.00} past due ( as of XX/XX/XXXX ) Original Balance : {$43000.00} I never applied for, signed for, or authorized this auto lease. This is fraudulent. 
XXXX. XXXX XXXX XXXX ( Opened XXXX XXXX ) Account # : XXXX Status : XXXX XXXX late payment reported XX/XX/XXXX Balance : {$0.00} I did not authorize this account and did not miss this payment. This late payment is fraudulent reporting. 
XXXX. XXXX XXXX  XXXX Credit Card XXXX XXXX ) Account # : XXXX Status : XXXX late payment XX/XX/XXXX Balance : {$0.00} I did not authorize this account and did not miss this payment. This late payment is fraudulent 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 non-monetary relief
Consumer complaint received 2025-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My complaint is with Bank of America. I opened a dispute XX/XX/year> because They approved a very large transaction {$2400.00} when the money wasnt in my account, nor did they contact me about the charge, even after a put a stop payment on my account XX/XX/year> it was still charged. Ive spoken to about 3 bank representatives over the phone and they all stated the transaction shouldnt have even went through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/year>, a rental car company charged me {$520.00} without authorization. I immediately disputed the charge with my bank, which issued a temporary credit. In XX/XX/year>, the bank reversed the credit, claiming the charge was valid, causing my credit score to drop XXXX points. Shortly after, the merchant admitted the error and refunded the full amount, restoring my score. 

Despite providing the bank with proof of the refund and formally requesting removal of the dispute-related remarks from my credit report, the bank has refused to correct its reporting. As of late XX/XX/year>, my credit reports still show inaccurate notations indicating I disagree with a resolved dispute across XXXXXXXX XXXX XXXX and XXXX. 

I have made repeated efforts to resolve this directly, including multiple letters and phone calls, but the bank continues to report false information. This inaccurate reporting has damaged my credit reputation and may negatively affect my ability to obtain loans, mortgages, and favorable credit terms. 

I am requesting the CFPBs assistance to ensure the bank deletes all dispute-related remarks and confirms that my credit reports are updated accurately. 

I have attached a detailed letter along with the related documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( XXXX XXXX XXXXXXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$440.00} Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX  Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$3300.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3500.00} Account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: OH

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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  Date : XXXX ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$960.00} 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, 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit Managment has been attacking my credit for two debts from which I do not owe nor have ever done business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I am disputing a late payment currently reported on my credit file. Verified records demonstrate that all payments were submitted on time, and this entry is therefore incorrect. The presence of this erroneous information is misleading and detrimental to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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