vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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 writing to dispute inaccurate reporting on my credit file. The accounts listed below are showing as Closed, but they should correctly reflect Closed/Never Late. as they where never late before the closing date. 


XXXXXXXX XXXX Account Number : XXXX Openening Date : XX/XX/year> XXXX Account Number : XXXX Openening Date : XX/XX/year>XXXX XXXX Account Number : XXXX Openening Date : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am writing to dispute inaccurate reporting on my credit file. The accounts listed below are showing as Closed, but they should correctly reflect Closed/Never Late. as they where never late before the closing date. 


XXXXXXXX XXXX Account Number : XXXX Openening Date : XX/XX/year> XXXX Account Number : XXXX Openening Date : XX/XX/year>XXXX XXXX Account Number : XXXX Openening Date : XX/XX/scrub>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 2025-08-18 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: TX

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$98.00} XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$6800.00} XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$20000.00} XXXX DATE  OPENED : XX/XX/XXXX BALANCE : {$0.00XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3500.00} XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$2100.00} PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE : {$0.00}

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NH

Complaint narrative:
Dear CFPB & National Recovery Agency/ NTXXXX XXXX : I am filing a complaint regarding a 3 COLLECTIONS account that appears on my credit report without my knowledge or consent from alleged company Ntl XXXX for alleged balances for {$2900.00} ; & Balance : {$2200.00} ; & Balance : {$1800.00}. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal 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
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE XXXX responded that the debt was validated and provided billing statements from XXXX They did not provide any contracting obligation between them or I. I also was never given the proof that they were contracted to recover this allege debt. To this I state I refuse to pay the company and will award you the opportunity to remove your trade line immediately within 14 days or you will be immediately sued with no further notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Their investigation did not fix an error on 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 2025-08-19 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: GA

Complaint narrative:
Their investigation did not fix an error on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint : I am filing a complaint regarding fraudulent billing practices by Chase Credit Card. 

My account is set to automatic payments for the Statement Balance. Despite this, Chase has repeatedly deducted amounts far in excess of the statement balance and charges made. For example, one month my statement balance was approximately {$34.00}, yet Chase deducted over {$140.00} from my bank account. 

When I called customer service, I was routed to an XXXX call center. The representative argued with me, insisted there was no overbilling, and told me it would be explained on the next months statement. It was not. This has happened multiple times. 

I have clear proof from my statements and bank records showing that Chase is charging automatic payment amounts greater than my actual statement balance. This is unauthorized and fraudulent billing, resulting in effective overcharges each month. 

I am requesting : A full reconciliation of all automatic payments made against my account. 

A refund of all overbilled amounts to my linked bank account ( not as a future credit ). 

Written confirmation that my account autopay will function properly ( paying only the Statement Balance as selected ).

Chases refusal to acknowledge or correct this issue calls into question the integrity of their billing practices. I am being overbilled against my consent, and the documentation is clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: GA

Complaint narrative:
Complaint Summary : I have XXXX XXXX XXXX XXXX XXXX XXXX from XXXX, now serviced by MOHELA and owned by XXXX XXXX XXXX XXXX XXXX XXXX  ( disbursed XX/XX/XXXX, {$5900.00}, cosigned by XXXX XXXX XXXX is listed in my account with School : Consolidated, even though I never consolidated my loans. I believe this loan originated while I was attending XXXX XXXX XXXXXXXX. 

The loan is mislabeled and I never signed a consolidation agreement. 

XXXX XXXX XXXX were later found to have engaged in fraud, and loans tied to them were included in the XXXX XXXXt state AG settlement and federal borrower defense discharges. 

My loans are all XXXX XXXX XXXX from the XXXX period, yet I never received notice of cancellation or relief. 

Please investigate why my XXXX XXXX XXXX were excluded from settlement cancellation, confirm the school origin of the mislabeled loan, and require XXXX/MOHELA to provide my original promissory notes and full payment history. I believe I have been subjected to predatory private student lending at XXXX  % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am disputing a collection account that is being reported inaccurately on my credit report. 

I originally opened an account with XXXX  on XX/XX/XXXX, with a highest balance of {$400.00}. I fully paid off this account, and it was closed on XX/XX/XXXX with a {$0.00} balance. This is correctly reflected in my credit report. 

However, despite paying the original creditor in full, a collection account from NCA is now being reported with an open balance of {$470.00} as of XX/XX/XXXX. This is inaccurate because I no longer owe any balancethe original debt was paid in full directly to the original creditor. 

This duplicate and incorrect collection is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
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 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$250.00} 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, 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 2025-08-19 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: AZ

Complaint narrative:
This reported item does not match my established payment record and seems incorrect. Please update my file after review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a bank of america account back in XX/XX/year>. I did not use it much until I finally moved to XXXX XXXX XXXXXXXX and then I started depositing my personal share of my company 's profit ( ~ XXXX  XXXX ) into the account. A couple days after that, Bank of America froze my account without notice and I had to wait XXXX hours on the hold on the phone till I reached a human and they told me there is no info they could give me!

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have have XXXX major issues in which i have never had before in my entire life. I had a former roommate someone who I allowed to stay in my house for a very small amount towards the amount i could and DEFINITELY SHOULD OF CHARGED HER AND HER BOYFRIEND. They opened a credit card in my name.So they had to snoop around and somehow found my personal information then to apply for XXXX XXXX XXXX XXXX. And to do it while still staying in my house. The nerve of these XXXX people i would never get over. There names XXXX XXXX and XXXX. I AM ATTACHING A POLICE REPORT I FILED WITH THE XXXX XXXX POLICE DEPARTMENT. The card was started on XX/XX/year>. And it was done 100 % fraudulently and not with my consent. There was also XXXX more cards that they ended up stealing a authorized users card thru the mail. And since they were living with us at the time And had all my personal information. They had basically charged a few XXXX to each of the XXXX Citi cards that they had access too. EACH OF THE cards were again 100 % fraudulent and the charges i had disputed was done by them and them only. I cant afford to pay the thousands of dollars that these people have billed to my account. I know that Citi offers all fraudulent charges to be returned back to my card. So that what i would like on the Citi charges. I am attaching my Drivers License front and back as well as my SSN AND THE POLICE REPORT I HAD FILED.

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
Consumer complaint received 2025-08-18 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:
I am a victim of Identity theft and the following accounts are not mine and I have no knowledge of thess accounts XXXX  XXXX XXXX....... Account Number:XXXX  The following inquiries are unauthorized XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which the banks confirmed would be removed but remains on my report. All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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