vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: NC

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 2025-06-27 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are several inquiries from banks and finance companies that are a direct result of identity theft. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX of XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
There are several inquiries from banks and finance companies that are a direct result of identity theft. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX of XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( 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 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NJ

Complaint narrative:
I attempted to secure a payday loan under the impression that I would pay the loan off after XXXX payments.The loan agreement was sent after the money was deposited into my account, to this day I've paid {$1300.00} on a {$550.00} loan. They are stating that in order for me to satisfy the loan with them today I would need to pay an additional {$510.00} on top of the payment that was processed today for XXXX. This is a complete scam, when I attempted to call the company they stated that someone should have called me and explained the loan agreement. I advised them that I didn't receive the call, and also received the loan agreement after. Please advise. 

I think that I have satisfied this loan above what's expected. They are scheduling to take an additional {$510.00} on Monday which I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
Subject : Repeatedly Reappearing Medical Debt from Different Collection Agencies Details : I am filing a complaint about a medical debt that has been removed from my credit reports multiple times, yet it continues to reappear under new debt collection companies. This account is repeatedly being sold or transferred, and each new collection agency reports it is a new derogatory item- negatively impacting my credit score and financial well-being.

This appears to be a case of " re-aging '' the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ). The date of first delinquency has not changed - this is an old debt that should no longer be reported at all, or at the very least, should not restart the reporting clock with each new agency.

I have disputed this item several times, and while it has been temporarily removed, it keeps returning under different names. This is causing undue harm and is not in compliance with federal credit reporting rules.

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 2025-06-27 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 recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
My US Bank account is frozen and being charged {$5.00} per month dormant fees. US bank has made it so that I can not withdraw or send money. I have a transfer sent to the account every month and also actively use my US Bank credit card so I'm not sure why this happened. 

I tried calling in and after XXXX minutes of holding and being re-directed to various unhelpful departments ( fraud, banking, etc. ) I gave up and decided to go through the CFPB instead.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My mother passed away mot only was I joint on her account I also had POD and Im her beneficiary. I have a financial affidavit as well. Navy Federal will not release this to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct XXXX  impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further XXXX or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX D.O.B. XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Eastern Account System of Connecticut , INC . 

SUBJECT : Request for Verification and Removal of Collection Account Under FCRA & FDCPA To Whom It May Concern : I am writing regarding a collection account you have reported or attempted to collect that appears in my credit report. The details are as follows : Collection Agency : Eastern Account System of Connecticut , INC . 
Account Number : XXXX Original Creditor : XXXX XXXX COMMUNICATIONS Date of First Delinquency : Unknown XXXX. Request for Validation ( FDCPA XXXX U.S.C. XXXX ) Under the FDCPA, I have a right to request validation of this debt within XXXX  days of your initial communication. I hereby dispute this debt and demand that you provide full written validation including : -The amount owed -Name and address of the original creditor -Supporting documentation, ( agreements, billing statements, chain of Title ) - Proof of your authority to collect this debt ( licensing, assignment records ) You must cease all collection activity until you provide this valuable information. 

XXXX. Request for Removal unverified ( FCRA XXXX U.S.C. XXXX ) If you can not verify this debt, you are required to notify ALL major credit reporting agencies to remove the entry from my credit file. 

XXXX. Statue of Limitation for Reporting ( FCRA U.S.C XXXX ) FCRA allows only XXXX years of reporting from the date of first delinquency. If the accounts delinquency dates back over XXXX years, it must be deleted under XXXX ( a ) ( XXXX ). Please provide the date of the original delinquency and remove it if it is outside the reporting window. 

XXXX. Accuracy of XXXX ( FCRA XXXX U.S.C. XXXX ( b ) ) All furnished information must be accurate and complete. Any discrepancies in dates, balances, or agency identification violate FCRAs requirements for maximum possible accuracy. 

Action Requested : Within 30 days of your receipt of this letter as required by federal law, please : XXXX. Provide the requested debt validation. 
XXXX. If unable to validate, inform all credit bureaus ( Equifax, Experian, Transunion ) to delete the account. 

XXXX. Provide written confirmation of your actions : Should you fail to comply, I will file complaints with the CFPB, FTC, my state XXXX XXXX, and I will reserve the right to pursue legal remedies, including statutory damages under the FDCPA and FCRA. 

Thank you for your prompt attention, I look forward to your confirmation in writing. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I reached out to Jefferson capital after I pulled my credit report after I found this account that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX i was on XXXX XXXX where I had a sale.I was at the time a Vendor. A pop up on the computer said that they had trouble verifying my card number and to re enter so they can auto deposit. Once I did this I received another message that I was XXXX XXXX XXXXXXXX and that I was scammed. They stole XXXX the whole balance of my acct. I called fraud hotline at TD and followed up with TD at the branch the next day put in a claim. They gave me a provisional credit. I had to go in there several times because TD would give me the credit then take it out causing shortages and fees. They were mailing notifications at my old address from XXXX to let me know they needed more information. I made several complaints on the phone and in person supplying them with documentation that the company that stole my money was a fraudster. TD in the past few months have sided with this fraud company with absolutely no proof of purchase or receipt. The fact that TD does not update their fraud claim department nor calls, texts or emails any issues I did not know any of this was taking place unless I call. I have since stopped all online banking and direct deposits until the give my money back that was stolen. Now I am in claims. I need my money back and name clear of any claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 consumer credit accounts, collections, and 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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-06-27 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-27 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-27 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 consumer credit accounts, collections, and 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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have been a long standing credit card customer of Chase Bank for many years with a stellar history, often paying off the entire balance each month. Suddenly, without any notice, my credit was blocked and I was unable to use the card. I called Chase Bank and the representatives attempted to authenticate me by asking questions purportedly based on public records. These questions, however, did not relate in any way to my actual history ( possible identity theft ). I made dozens of such calls to no avail. Chase representatives refused to discuss this block with me until I could authenticate myself. I asked if there was an alternative means of authentication They did not provide any alternatives. Finally, on XX/XX/year>, I sent Chase a letter and included a copy of my US passport and other identification documents. I said I would provide additional documents and was willing to do a video conference if needed to authenticate myself so that the security block could be resolved. Today, five weeks later, I still have not received a response from Chase. Since I have been prevented from authenticating myself, I have not been able to resolve this credit block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief