vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial charged off my vehicle loan in XX/XX/XXXX and sold the debt to a third-party collection agency. However, they are still reporting a past-due balance of {$14000.00} on my XXXX  credit report as of XX/XX/XXXX. They sold the debt to constar financial, who Ive made a payment to, to solve the debt. 

This is inaccurate Ally no longer owns this debt and should report the balance as {$0.00} and the status as sold or transferred. 

I disputed this with XXXX XXXX XXXX XXXX but Ally verified the information incorrectly. I am requesting a full reinvestigation and correction under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: VT

Complaint narrative:
On my credit report XXXX XXXX XXXX has a debt that I've disputed numerous times amount is XXXX and change I sent certified mail to them requesting the said above and got nothing back I sent 2 certified letters to the collection agency on XX/XX/XXXX and one before that date I sent photo copies to Experian XXXX  and XXXX  of what I sent copies of it being signed alls I get from Experian is confirmed and updated with no removal I know according to Federal Law if my signature isn't on the original credit app then their supposed to take it off in XXXX  I was injured at work I hurt my lower back and shortly after was diagnosed with XXXX 's in the beginning the pain was unreal I could barely manage why would I be looking to do whatever this is I had to worry about my money and having enough just to make ends meet I had to include my injury so you could put yourself in my shoes this is not my bill I was to busy with Dr appointments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Even though the balance is cleared, late payment notations remain on record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries are listed on my credit report that I believe are inaccurate. As required by 15 USC 1681e ( b ) and 15 USC 1681i, all information must be accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$170000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened - Balance XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX I get into an argument with a Chase bank worker at a branch in XXXX XXXX and leave the branch. 
XXXX XXXX th- Went to deposit a check at the same bank and put in a complaint against worker. One employee took my information done and said ill be contacted by a representative. 
XXXX XXXX Recieved and email from Chase bank saying they're closing my account and restricting from any and all transactions. After several fail attempts on the phone, I vist a different branch, which the branch manager and employees would not release my funds despite me having my appropriate credentials. Also with ni reasons as to why they've closed or restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
This is a formal complaint regarding Equifax 's failure to comply with the FCRA 605B. A certified police report for identity theft has already been submitted. Equifax has continued to delay and refuses to block fraudulent accounts as required by law within 4 business days. These accounts include XXXX XXXX XXXX XXXX ending in XXXX, XXXX Card ending in XXXX, and XXXX XXXX ending in XXXX. All documentation-including the certified police report and identity documents-has been provided. I demand immediate deletion of these accounts from my credit report and written confirmation of compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Americor Funding, LLC
State: IA

Complaint narrative:
In XXXX, I enrolled in a debt settlement program with Americor Funding , LLC to resolve multiple unsecured debts. In XX/XX/XXXX, Americor and its affiliate Credit9  , LLC  offered a loan through XXXX XXXX XXXX, described as the final step to complete my Americor program. I was told this loan would pay off my enrolled debts and finalize the process. 

The loan was for {$8400.00} at an APR of 20.87 %, with monthly payments of about {$250.00}. Americor then used the loan proceeds to pay the settlements and close my accounts. In XX/XX/XXXX, Americor ( via email from XXXX in XXXX XXXX ) confirmed in writing that all settlements were completed and my program balance was {$0.00}. They also provided a full ledger showing every payment made to each creditor. 

Despite this, Credit9 continues to collect on the loan, assess interest, and report the account as past due. I later learned that Americor, Credit9, and XXXX XXXX XXXX are affiliated entities under the same ownership, which was not clearly disclosed when I agreed to the loan. I believe I was misled into converting my already-settled debts into a new, high-interest loan with the same affiliated company. 

I requested full documentation of how Credit9 disbursed the loan funds and how they were applied to Americor, but they have not provided this information. Their written response on XX/XX/XXXX only stated that they found no misrepresentation. 

I am requesting that the CFPB review this affiliate lending arrangement for deceptive and unfair business practices and require Credit9 to suspend collections and reconsider or cancel the remaining loan balance. Supporting documentation includes Americors confirmation email, the program ledger, settlement letters, and Credit9s response letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am filing this complaint against TransUnion, Equifax, and Experian for knowingly reporting inaccurate and misleading information related to my student loan account, which appears under multiple aliases XXXX, Department of Education, XXXX, and XXXX  XXXX XXXX XXXX XXXX ( XXXX ) across all three credit bureaus. 

Upon review of my credit reports, I discovered these accounts are duplicated, inconsistently named, and contain inaccurate status and payment information. For example : Equifax lists the account as XXXX  XXXX XXXX XXXX with a status of Pays as Agreed but continues to report outdated deferred balances and long-term amounts inconsistent with current federal loan servicing records. 

Experian lists similar accounts under Department of Education XXXX XXXX, showing transferred or closed statuses but maintains open trade lines and repayment history that conflict with the official loan status. 

TransUnion either omits updated payment information or continues to report historical data no longer applicable, leading to contradictory reporting. 

These discrepancies constitute furnishing of inaccurate information and failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Violations and Legal Basis Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a, 1681b, 1681c, 1681e ( b ) Credit bureaus must ensure accuracy, fairness, and relevancy of reported data. Reporting the same account under multiple names violates these sections and misrepresents the true state of the obligation. 

Reporting obsolete, incorrect deferment information or balance inconsistencies also violates the requirement of maximum possible accuracy. 

Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g Student loan information is federally protected educational data. Furnishing or sharing this information with credit reporting agencies without explicit, informed consent is a privacy violation. 

XXXX and the Department of Education, as educational servicers, are bound by FERPAs confidentiality protections and should not transmit or publish private educational financial data through third parties. 

15 U.S.C. 1681c ( a ) ( 5 ) Obsolete Adverse Information No adverse or deferred item should remain longer than seven years. Reporting deferred, paid, or transferred loans past the allowed period is unlawful.

12 CFR 1022.3 & 1022.43 Identity and Record Accuracy Multiple aliases for the same creditor create confusion, appearing as multiple accounts and reducing creditworthiness a form of identity misuse and false duplication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I was in a bad car accident with an in insured driver I had to use this car until I get insurance coverages. I alerted my bank and let them know. Some payment gy returned and then was referred to collection along with another cc I paid the other one but I dont have the funds they are demanding on this card I will file section 0 if needed to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX  dined my XXXX dispute again. And I've gave proof and all for the past XXXX years I want my money returned that was a unauthorized and stolen from me back in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  XXXX Account number : XXXX -- {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Account number : XXXX -- {$19000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account number : XXXX -- {$390.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account number : XXXX -- {$520.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account number : XXXX -- {$10000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Union ( NFCU ) and XXXX, which failed to assist me after I was the victim of a fraudulent business transaction and theft involving XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX. 

In XX/XX/XXXX, I took my XXXX XXXXesla Model 3 to XXXX XXXX XXXX XXXX for collision repair. I dealt with XXXX XXXX, who claimed to represent the shop, owned by XXXX XXXX XXXX XXXX. At his request, I sent XXXX XXXX payments totaling {$5800.00} from my XXXX XXXX account to XXXX XXXX XXXX ( phone number XXXX ) on XX/XX/XXXX and XX/XX/XXXX, believing this was payment for legitimate auto repair services. 

When I returned to pick up my vehicle on XX/XX/XXXX, no repairs had been performed. Instead, the car was in worse condition and {$1400.00} worth of parts had been stolen. A subsequent inspection by XXXX XXXX XXXX in XXXX, XXXX  confirmed that numerous parts were removed and the cooling system had been disassembled unnecessarily. 

I immediately reported the fraud to Navy Federal Credit Union and XXXX, provided documentation ( demand letter, estimate, police report draft, and text messages ), and requested reversal or reimbursement. Both NFCU and XXXX declined to assist, stating that XXXX payments are final, even though this transaction clearly involved fraud and misrepresentation, not an authorized service. 

XXXX XXXX refusal to investigate or provide any remedy contradicts federal consumer-protection guidance that requires financial institutions to review fraud claims involving misrepresentation or deception. I am requesting that XXXX review this case, XXXX XXXX XXXX to properly investigate, and assist in recovering my {$5800.00}, which was obtained through criminal fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I disputed numerous accounts with XXXX  to know avail on 3 different occasions always came back unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX came back unknown over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Account # XXXX reports as a charge-off with incorrect last payment and charge-off dates. No validation or settlement information provided after written request. Violates FCRA 623 ( a ) and XXXX accuracy standards.

Company response to consumer: Closed with explanation