vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint to report multiple inaccuracies on my credit report obtained from XXXX, which sources data from the three major credit bureaus : TransUnion, Experian, and Equifax. The report was issued on XX/XX/XXXX, and is referenced by report number XXXX. 

Inaccurate and Inconsistent Information Identified Inconsistent Name Variations : My legal name is listed as XXXX XXXX XXXX, but Experian also includes " XXXX XXXX XXXX XXXX '' under " Also Known As. '' Equifax lists XXXX XXXX XXXXn under Former names, which is incorrect as it is my current legal name.

These inconsistencies can lead to mixed files or identity confusion.

Duplicate or Conflicting Employment History : The report lists multiple employers across bureaus including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

Some of these may be outdated or inaccurately associated with my profile. No dates of employment or verification are provided.

Address Discrepancies : Current addresses are reported differently : TransUnion : " XXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX  Variations and formatting errors may cause mismatches in data processing.

Date of Birth Inconsistencies : Experian lists only the year XXXX, while TransUnion and Equifax show the full XXXXXXXX XXXX 

Uniformity in vital identity data is required under FCRA.

Legal Basis for My Complaint Under the Fair Credit Reporting Act ( FCRA ), I am entitled to : Accurate and complete information in my credit file ( 15 U.S.C. 1681i ).

The right to dispute incomplete or inaccurate information ( 15 U.S.C. 1681i ( a ) ). 

A reinvestigation by the credit bureaus and correction or deletion of inaccurate data ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint to report multiple inaccuracies on my credit report obtained from XXXX, which sources data from the three major credit bureaus : TransUnion, Experian, and Equifax. The report was issued on XX/XX/XXXX, and is referenced by report number XXXX. 

Inaccurate and Inconsistent Information Identified Inconsistent Name Variations : My legal name is listed as XXXX XXXX XXXX, but Experian also includes " XXXX XXXX XXXX XXXX '' under " Also Known As. '' Equifax lists XXXX XXXX XXXXn under Former names, which is incorrect as it is my current legal name.

These inconsistencies can lead to mixed files or identity confusion.

Duplicate or Conflicting Employment History : The report lists multiple employers across bureaus including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

Some of these may be outdated or inaccurately associated with my profile. No dates of employment or verification are provided.

Address Discrepancies : Current addresses are reported differently : TransUnion : " XXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX  Variations and formatting errors may cause mismatches in data processing.

Date of Birth Inconsistencies : Experian lists only the year XXXX, while TransUnion and Equifax show the full XXXXXXXX XXXX 

Uniformity in vital identity data is required under FCRA.

Legal Basis for My Complaint Under the Fair Credit Reporting Act ( FCRA ), I am entitled to : Accurate and complete information in my credit file ( 15 U.S.C. 1681i ).

The right to dispute incomplete or inaccurate information ( 15 U.S.C. 1681i ( a ) ). 

A reinvestigation by the credit bureaus and correction or deletion of inaccurate data ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED BANKSHARES, INC.
State: TX

Complaint narrative:
I was denied opening an account and told to call a number to find out it was multiple accounts in my name and if XXXX not mistaken all of them was closed and overdrawn! I was a victim of identity theft in XXXX XXXX not sure if that may have something to do with all of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I received a fraud alert on Sunday XX/XX/year> on card ending in " XXXX '' I had no idea what card this was until I opened my mail on XX/XX/XXXX after XXXX and seeing a new card I'd ordered in the mail that " I personally '' hadn't activated yet this card number is activated and inside of XXXX apps setup as a payment option. I didn't add the card to the XXXXXXXX XXXX  or anything. Phoned USAA only to find out 2 other accts didnt have cards because they'd closed them for suspected fraud that I wasn't notified about. Only to be on the phone a second time with another rep ordering new cards for all accts because I'm genuinely puzzled only for my savings acct to be restricted as we're speaking and " she doesn't know why ''.

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 2025-07-02 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: LEXISNEXIS
State: HI

Complaint narrative:
I do not recognize this address please remove off my report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am writing to dispute charged -off account on my credit report. The account is listed without accurate information which makes it impossible for me to verity Its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account. without a valid account number or accurate payment history I am unable to have confidence in the accuracy of this alleged account. Please conduct a thorough investigation to remove the account immediately. Please be advised that If I receive any Stall tactics to buy yourself time, l will be forced to escalate this with the FTC, and my states XXXX  XXXX office. I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a representative of JPMorgan Chase Bank attempted to verify a check in the amount of {$15000.00} that I had written to my husband. The check was written from my JPMorgan Chase Bank account and was to be deposited in my husband 's JPMorgan Chase Bank account. Instead of directly contacting me to verify that the check was legitimate, they called a distant relative of mine and disclosed my first name, last name, and that I have an account with JPMorgan Chase Bank. I reached out to Chase bank and spoke to a manager. I asked for an explanation as to why they would contact a relative of mine and disclose my information instead of contacting me directly at my listed phone number on my account. The manager stated that they research customer contact information on a different database and contact customers based off of that information. I asked him how he can ensure that this type of mistake would not happen again, and he stated he can not ensure that because they will continue to use their means of verification for similar verification attempts in the future. He did not apologize for the mistake, did not aknowledge that my personal information was breached, he did not ensure that efforts will be made to avoid such instances in the future, and did not take accountability for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am writing to formally request an investigation into the actions of Bridgecrest/XXXX XXXXXXXX, a company that provided financing for a repossessed vehicle I previously had with them.

According to IRS regulations, when a lender issues a Form 1099-C, it indicates that a debt has been officially canceled or forgiven and is considered income for tax purposes. I am requesting a copy of the 1099-C form that Bridgecrest submitted to the IRS related to this debt, as I believe one was issued.

Despite this debt allegedly being written off for tax purposes, Bridgecrest is still attempting to collect on this account by continuing to report it as active on my credit report. This is both misleading and potentially unlawful, as it gives the false impression that I still owe this debt even though it has been canceled. 

I am requesting your assistance in resolving this matter and ensuring that my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are protected.

BridgecrestXXXX XXXX may be in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) failure to investigate and correct disputed information 15 U.S.C. 1681i ( a ) failure of the credit bureau to reinvestigate upon dispute Additionally, if Bridgecrest is attempting collection on this canceled debt, they may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692e ( 2 ) ( A ) misrepresenting the legal status of a debt Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Delete this immediately, Disputing this account under 15 U.S.C. 1681i. improper verification of disputed info. This is not my account ; I have no knowledge of it per 15 USC 1681b. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Check systems continues to report inaccurate information on my report that is preventing me from opening a checking account and negatively affecting my life. Ive seen in several pieces of mail disputing information and they ignore my request when I go to disputed online. Im now blocked from disputing online and they want me to call that is a huge inconvenience due to my work hours and I feel like Im being singled out. I would like to option be able to dispute an accurate information thats negative affecting me online and I wish ChexSystems would take this seriously.

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 2025-07-02 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: TX

Complaint narrative:
I am filing this complaint because EquifaxXXXX XXXX is reporting multiple inaccurate, incomplete, and unverifiable accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

I submitted a formal written dispute directly to Equifax/XXXX XXXX identifying the following issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX ) : Reported balance exceeds credit limit, marked as collections with no charge-off or supporting data. Violates FCRA 1681e ( b ) and Metro 2 Fields 20, 31. 

XXXX XXXX XXXX XXXX  ( Acct # : XXXX ) : Marked purchased by another company with no transferee listed. This violates FCRA 623 ( a ) ( 2 ) and Metro 2 account transfer protocol. 

XXXXXXXX XXXX XXXX XXXX ( Acct # : XXXX ) : Balance reported is more than double the original loan amount with no supporting documentation or proper limits disclosed. 

XXXX XXXXXXXX ( Acct # : XXXX ) : The Account shows {$6600.00} balance and {$0.00} credit limit, which is misleading and causes an unfair scoring impact. Missing complete payment history. Violates Metro 2 Field 20 and FCRA 1681e ( b ). 

XXXX / XXXX ( Acct # : XXXX ) : Missing required fields such as first payment date, payment history, and actual payments. 

These issues are similar to previous actions taken by the CFPB against XXXX XXXX for failing to investigate disputes and report unverifiable data properly.

Despite my written dispute, no meaningful reinvestigation was conducted, and no method of verification has been provided, violating FCRA 1681i.

I am requesting that Equifax/XXXX permanently delete all inaccurate, unverifiable, and noncompliant data from my credit report and be held accountable for continued violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I disputed XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Kikoff Inc.
State: MS

Complaint narrative:
I was directly impacted by Covid-19 pandemic. Due to the economic hardship caused by the Covid-19 pandemic including job loss, and reduced hours I was unable to make timely payments. I made every effort to communicate with my creditors and attempted to stay on track financially, but the unforeseen circumstances made it impossible to meet some of my obligations at the time. I am requesting that you review my account for accuracy and fairness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My PayPal account was permanently limited without any warning or specific reason. I rely on PayPal for both personal and business use, including product testing and purchasing goods. PayPal repeatedly claimed my account was high risk but refused to share any evidence or explanation. 

Ive asked multiple times for clarification or to provide supporting documents to resolve the issue, but their responses rely on vague internal risk models and boilerplate language, which leaves me unable to appeal or defend myself. 

I filed a XXXX  complaint and received a reply from their XXXX XXXX team, but even they refused to give a specific reason, citing confidentiality. I believe this is unfair and possibly discriminatory treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
Dear Experian Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

Account Details : 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
This account is a charged-off auto loan from XXXX with a {$3700.00} balance. I am currently experiencing wage garnishment related to this account, but I was never properly served with legal notice of a court judgment, nor was I given an opportunity to dispute the debt before garnishment began. 

I have requested full validation under FCRA 609 ( a ) and FDCPA 809 ( b ), including a copy of the original loan contract and itemized history. To date, no proper documentation has been provided. 

The reporting is outdated, incomplete, and unverifiable. I respectfully request deletion from my credit report due to the companys failure to validate the debt and comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( XXXX ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation