vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and incomplete information reported on my credit file, which have caused, or could cause, significant harm to my creditworthiness. The following items are disputedXXXX XXXX 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 XXXX ( new inaccurate address ) I have never resided at these addresses. Under FCRA 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and reporting incorrect addresses violates this requirement. 
XXXX XXXX The spelling or formatting of my name is reported inaccurately. This misrepresentation may lead to mistaken identity and reporting errors.Daniels JWLS XXXX * * * Balance Owed : {$940.00} * XXXX XXXX * * * * * * * * Balance Owed : {$0.00} * * XXXXXXXX XXXX XXXXXXXX * * * * Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$4600.00} * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} * * ABSOLUTE RESOLUTIONS I XXXX XXXX XXXX XXXX Balance Owed : {$720.00} * * ABSRES INV Original Creditor : XXXX XXXX XXXX  XXXX * XXXX XXXX Balance Owed : {$720.00} * * XXXX XXXX  These accounts, collections, inquiries, and inaccurate addresses do not accurately reflect my credit history. The continued reporting of these items violates multiple provisions of the FCRA : FCRA 607 ( b ) Duty of maximum possible accuracy.

FCRA 611 ( a ) Right to dispute incomplete or inaccurate information and mandate for reasonable reinvestigation FCRA 602 ( a ) Congress recognizes that inaccurate reporting undermines consumer confidence and can cause unjust harm.

FCRA 623 ( a ) ( 8 ) Obligation of furnishers to provide accurate and complete information to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: HI

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
Consumer complaint received 2025-09-30 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: HI

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 2025-09-30 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: CL Holdings LLC
State: OH

Complaint narrative:
Was trying to buy a vehicle and i realized i had damage on my credit report. according to the 15 usc 1681 law there should not be any damages on my report and its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], which provides consumers the right to dispute any information on their credit reports that is inaccurate, incomplete, outdated, or unverifiable. 

The following accounts require reinvestigation : 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 XXXXXX/XX/year> There appear to be duplicate or overlapping entries related to a vehicle loan or inquiry. I request that these entries be carefully reviewed for duplicate reporting, accuracy of dates, and proper formatting. Any redundant, unverifiable, or inaccurate items should be removed in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NV

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXXXXXX XXXX XXXXXXXX Late Date Reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with XXXX under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
i have no supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXXXXXX XXXX  balance {$0.00}, XXXX XXXX XXXXXXXX XXXX {$530.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$650.00}XXXX XXXX XXXX balance {$440.00}, XXXX XXXX  balance {$480.00}, XXXX XXXX XXXX XXXX balance {$3400.00}, XXXX XXXX XXXX balance {$1400.00}, XXXXXXXX XXXX balance {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
i have no supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXXXXXX XXXX  balance {$0.00}, XXXX XXXX XXXXXXXX XXXX {$530.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$650.00}XXXX XXXX XXXX balance {$440.00}, XXXX XXXX  balance {$480.00}, XXXX XXXX XXXX XXXX balance {$3400.00}, XXXX XXXX XXXX balance {$1400.00}, XXXXXXXX XXXX balance {$1000.00}.

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 explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX EXPERIAN XX/XX/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  Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX EXPERIAN XX/XX/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  Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank for its failure to protect my account from fraud and its wrongful denial of my claim. 

Summary : Between XX/XX/year> and XXXX XXXX XXXX unauthorized XXXX withdrawals totaling {$28000.00} were made from my checking account by a fraudulent third party impersonating 'Discover. ' Bank 's Security Failure : Chase 's systems failed to detect this pattern of fraud over XXXX months, despite advertising 'state-of-the-art security. ' Wrongful Denial of Claim : After I reported the fraud in good faith, Chase conducted an inadequate investigation and wrongfully denied my reimbursement claim, violating its own 'zero liability protection ' promise. 

The Core Issue : This is not just a case of a single stolen transaction. It is a failure of Chase 's fundamental duty to safeguard my account, leading to a significant financial loss. 

I have attempted to resolve this directly with Chase 's executive office but have not received a satisfactory resolution. I am requesting the agency 's assistance in compelling Chase to credit my account for the full amount of {$28000.00} and to be held accountable for its deceptive practices and failure to maintain reasonable security safeguards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
This correspondence serves as a dispute of fraudulent accounts that were improperly reported under my credit file. These accounts do not belong to me, were not authorized by me, and represent harmful inaccuracies that are damaging to my reputation and creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
For the last 3 years I have been trying to get these fraudulent collections off of my account. My sister put my name on a house and lights without my knowledge. I have been disputing it and have all my paper work that was asked of me. Yet they still are saying I dont have enough information to prove its not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
They have allowed transaction from a merchant that has been blocked and my card is no longer on the merchant website and I have paid for the charges another way and should have not been charged on my current card when it is a new card I had just recieved. They denied my disputes after I provide proof and tell me to file an appeal and still they choose to denied my disputes after filing an appeal. They have misled me to believe if I connect my payroll and recieve an eligible deposit of {$200.00} I will qualify for paycheck advance of up to {$700.00}. My direct deposits from my employer has been going in my current account since over 6 months and I continued to contact them every so often to find out why has my paycheck advance has not come through yet for me, customer support said that I need to keep a minimum amount in my account for at least 90 days, in my current app Im always clicking on the button that says get a paycheck advance, and now all sudden I click on the button and it says Nevada residence are eligible to receive paycheck advance right now, they misinformed me, they denied my disputes and theres nothing I can do about it theres multiple charges of transactions I didnt make and they will cancel my card automatically and send me a new one over and over again, they have also disconnected my direct deposit shows inactive on my end but they told me not to worry that on their end shows active, I dont care I want to see it on my end but they wont resolve the issue for me, they had promotions and a contest to join and to be eligible I must connect my employer, and they have every employer listed except for mines that I could not participate in the promotional contest they had advertised, they also send my a current build card which they claim is suppose to improve my XXXX XXXX and Ive had this build card over 3 years now and nothing has improved on my credit reports from XXXX major credit bureaus, they also denied my checks that I upload on the app and now I want close my account and they will not provide any information to close the account, they have also charged me for foriegn fees of over hundreds of dollars and when contacted the merchant who they claimed why I was charged these foriegn fees the merchant told me we dont charge for foriegn fees and they are in the United States for all transactions made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), regarding multiple inaccurate and unauthorized entries being reported on my consumer credit files. These items are either fraudulent, obsolete, or do not belong to me. I am requesting the Consumer Financial Protection Bureau to assist in ensuring these inaccuracies are investigated and permanently removed. 
The following disputed items are being reported across XXXX or more of the credit bureaus : XXXX XXXX XXXX Date Reported / Inquired Notes / XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX / XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry beyond reporting limits XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX {$9500.00} inaccurate balance XXXX XXXX XX/XX/XXXX Collection account, not mine XXXX XX/XX/XXXX Inaccurate reporting As a consumer, I am entitled to fair and accurate credit reporting. These disputed entries are causing significant harm and misrepresentation of my creditworthiness. 
I request the CFPB to : 1. Review and process this complaint.

2. Ensure the credit reporting agencies comply with their obligations under the FCRA.

3. Provide me with updates on the status of this investigation.

I appreciate your immediate attention to this matter and request a resolution in accordance with federal law. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 am filing this complaint against XXXX XXXX, XXXX. and the nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) regarding the inaccurate and unlawful reporting of a charge-off tradeline related to an alleged XXXX XXXX account ending in XXXX. 

XXXX XXXX has placed this account with XXXX separate collection agencies in succession : first with XXXX XXXX XXXX XXXX, and later with XXXX XXXX XXXX XXXX XXXX XXXX Both entities failed to provide proper validation of the alleged debt in violation of 15 U.S.C. 1692g ( b ) of the FDCPA. 

XXXX XXXX XXXX explicitly confirmed in writing ( via CFPB and direct correspondence ) that it could not validate the debt and therefore closed the account and returned it to XXXX XXXX. 

XXXX XXXX XXXX subsequently attempted collection, yet also failed to provide any original signed contract, chain of title, or accounting records proving ownership or legal authority to collect. Their so-called validation consisted only of monthly statements, which do not meet the standards of the FDCPA or FCRA. 

Despite these failures, XXXX XXXX continues to report a derogatory charge-off tradeline to the credit bureaus. This reporting is inaccurate and misleading under 15 U.S.C. 1681s-2 ( b ) of the FCRA, because : XXXX XXXX has twice outsourced the alleged account to collectors who admitted they could not validate the debt.

No IRS Form 1099-C has been issued, further undermining the legitimacy of the alleged charge-off.

The bureaus are relying on unverifiable data in violation of the FCRAs requirement for maximum possible accuracy and the Metro 2 reporting standards. 

The contradictory responses from XXXX XXXX and its agents demonstrate that this tradeline can not be verified and must therefore be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been wrongfully included on my credit report. These accounts are not associated with me, were never authorized by me, and their presence has created a damaging and inaccurate portrayal of my financial history.

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