vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am writing to dispute several inaccuracies and incomplete information on my credit report, specifically concerning charged-off accounts, inquiries, and late payments. Below are the items I am disputing for your review : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Cease and Desist Notice Continued Collection Activity To Whom It May Concern : I am writing to provide formal notice that I have previously disputed this matter through XXXX XXXX XXXX XXXX, and at this time no lawful proof of debt has been provided. You have failed to supply : A valid Notice of Assignment A Deed of Assignment Written verification of the alleged debt The original default notice Documentation establishing the purpose and legitimacy of the alleged obligation Because these items have not been produced, the alleged debt is not validated. The trade line was removed due to lack of proof, tooken off for identity theft and any continued collection activity after failure to validate may constitute violations of : The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act ( FCRA ) Relevant UCC provisions regarding negotiable instruments and good-faith practices Requirements for lawful assignment under applicable property and contract laws You are hereby notified that : Cease & Desist Order You must immediately cease all further communication, collection attempts, phone calls, emails, mailings, and harassment. 

Any continued attempts to collect on an unvalidated debt will be considered willful violations and will incur a fee of {$1000.00} to {$1500.00} per attempt, which will be documented and added as damages in any future civil action. 

Your organization is already under audit for reporting irregularities, and further misconduct may result in regulatory complaints and review of your business license. 

If you continue unlawful activity, I will not hesitate to escalate this matter to civil court for damages, injunctive relief, and all other remedies available. 

This notice is being provided in good faith and recorded for evidence.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding the XXXX XXXX auto loan account being reported on my credit file. I contacted XXXX XXXX to request verification of the account, including the repossession details and deficiency balance calculation. 

The company has not provided the required documents, such as the original signed contract, complete payment history, repossession records, auction documentation, or proof of how the deficiency balance was calculated. Without these documents, the accuracy of the account can not be verified. 

I submitted a written reinvestigation request, but XXXX XXXX has not provided adequate documentation. Reporting unverifiable or incomplete information XXXX violate the FCRA.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding the XXXX XXXX auto loan account being reported on my credit file. I contacted XXXX XXXX to request verification of the account, including the repossession details and deficiency balance calculation. 

The company has not provided the required documents, such as the original signed contract, complete payment history, repossession records, auction documentation, or proof of how the deficiency balance was calculated. Without these documents, the accuracy of the account can not be verified. 

I submitted a written reinvestigation request, but XXXX XXXX has not provided adequate documentation. Reporting unverifiable or incomplete information may violate the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete credit reporting by the XXXX major credit bureaus : Experian ( XXXX ). The accounts listed below are being disputed due to errors in reporting, including inaccurate balances, misreported dates, and incomplete information that violates the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX, Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$99.00} XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$580.00} CREDIT COLL, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX SERVICE, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$89.00} Inquiries : XXXX XXXX SERVICE, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Date : 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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i made a payment XXXX for personal loan and payment came out duplicate without letting me know. 

payment took it 2 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I am writing to formally dispute multiple inaccurate late payment entries on my credit report. Despite my diligent payment history, the following accounts have been incorrectly reported as having late payments : XXXX XXXX High Balance : {$680.00}, Date Opened : XX/XX/XXXX Reported Late Payment XXXX  XXXX High Balance : {$770.00}, Date Opened : XX/XX/XXXX Reported Late Payment XXXX  XXXX High Balance : {$720.00}, Date Opened : XX/XX/XXXX Reported Late Payment I have never made late payments on these accounts. These inaccuracies have negatively impacted my credit score and financial reputation. I request the CFPB to investigate these entries and ensure that all inaccurate late payment records are corrected or removed from my credit report immediately. 

I have attached supporting documentation that confirms my on-time payment history for your review. 

Please take prompt action to address this matter. I expect written confirmation once these inaccuracies have been resolved. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 am writing to formally dispute certain items on my Equifax credit report. The information I am disputing is inaccurate and incomplete, and I request a thorough investigation to resolve these issues. Below are the details of the disputed accounts and inquiries : Inquiries : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am a consumer attempting to resolve issues in my credit report. The following accounts are in dispute, and I request your review of these items under the Fair Credit Reporting Act ( FCRA ). These accounts reflect inaccuracies and I am seeking their correction or removal. 

Charged Off Accounts : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Inquiries : XXXX CARD Date : 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 non-monetary relief
Consumer complaint received 2025-11-25 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: GA

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 XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( XXXX U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( XXXX U.S.C. XXXX ) Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION XXXX IMPROPER LATE PAYMENT DESIGNATION ( XXXX U.S.C. XXXX ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under XXXX U.S.C. 
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 2025-11-25 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccurate and incomplete entries on my credit report, specifically related to charged-off accounts and late payment reporting. Below are the details of the disputed accounts : Charged Off Accounts XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$54.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Late Payment Accounts XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting.

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards. 

Please provide a written response detailing the results of your investigation within 30 days, as required under the FCRA. If any item remains on my report, kindly include the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-25 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Suspended/disabled account and denied transactions due to security concerns/ suspected fraud despite providing requested identity and account documentation. 
Details : I was approved for an XXXX XXXX XXXX credit card on XX/XX/year> with a credit limit of {$8300.00} ( Account ending in XXXX ). After approval, all attempted transactions were repeatedly denied. On XX/XX/year> I received a letter from Comenity ( Account Protection Team ) stating the account was suspended pending verification and requesting government photo ID ( front/back ) and proof of residency/bank statements. On XX/XX/year> I emailed XXXX scanned copies of my NY drivers license ( front/back ) and my XXXX checking and savings statements as requested. 

Despite complying promptly, my account remains suspended and I continue to have transactions denied with no substantive explanation, timeline for resolution, or identification of the fraud-screening vendor or specific data that caused the suspension. This has prevented me from using an account I was approved for and has caused financial inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am disputing the accuracy of the following accounts listed on my TransUnion credit report. Please review the provided account details and rectify any errors or incomplete information. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00}

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX FIN ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
Issue Category : Bank account closed/ Funds withheld / Government check withheld Description : I am the payee of a U.S. Treasury IRS refund check for approximately {$28000.00}. The check was deposited into my sisters Chase Bank account with my authorization. 

Chase closed the account shortly after, claiming fraud activity. Since then, Chase has refused to provide : The status of MY federal refund funds, Whether the money is being held, released, or returned to the IRS, and Any method to recover my government refund. 

Chase will no longer speak to me or my sister. I am not asking for her account details ; I am asking about my Treasury check, which I have a legal right to information about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief