vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> Equifax Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It XXXX Concern, I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent Accounts and related information on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
I recently became aware of several unauthorized Accounts that were opened in my name without my knowledge or consent. These accounts are the result of a data breach and identity theft, and I have never had any business relationship or transactions with the entities in question. 
Under 15 U.S.C. 1681c-2 ( a ), I hereby request that XXXX  block and remove from my credit report all information that I identify as the result of identity theft. The Accounts I am disputing are as follows : XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX Please investigate this matter and confirm in writing that the fraudulent Accounts have been blocked and permanently removed from my credit file. If any additional information or documentation is needed, do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided. 
XXXX. XXXX XXXX ( XXXX ) - Privacy Violation : The agency is reporting alleged eviction information that XXXX have been obtained improperly or without permissible purpose under 6801. 
XXXX. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing. 
Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion immediately of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing as I am homeless with a sick mother and is being maintained without lawful justification. 
If this is not resolved immediately within XXXX business days, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit report shows that I owe Region Bank {$330.00} in XX/XX/XXXX. 

THE CHARGE WAS FRAUTDULANT The credit was charged off in XX/XX/XXXX. I called Region Bank, and the credit card consumers office at the Region Bank told me that it has been too long now. There is nothing anyone can do about that. They did not give me any information.

I hope you help me to delete the fraudulent charge. I am applying for a reverse mortgage loan now.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, XXXX XXXX attempted to charge my Chase debit card {$610.00} during appointment check-in. The transaction was declined on their website, I was allowed into my appointment, and no new authorization was given. Later the same day they posted an unauthorized lower amount of {$230.00} without my consent. Chase has repeatedly refused to investigate or credit the charge, claiming any amount is authorized because I originally tried to pay this is false and violates Regulation E ( 12 CFR 1005.10 ) and card network rules. The unauthorized charge caused me to miss my auto loan payment and risk credit damage. I demand full refund of the $ XXXX any fees Bank claims it's not fraud and the merchant is allowed to take whatever amount without authorization. 

The merchant claims the same and say that the form I signed give them permission to take any amount from my account, I asked them to provide the form and they have not be able to provide that to me as of today XX/XX/XXXX XXXX pm they still haven't provided me with that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
XXXX XXXX XXXX bank XX/XX/2025 began {$590.00} XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XX/XX/2025 began {$73.00} XXXX XXXX XXXXXX/XX/XXXX began {$500.00} XXXX XXXX XXXXXX/XX/2025 began {$3900.00} XXXX XXXX bank XX/XX/2025 began {$590.00} Ive reached out to these creditors and have been unsuccessful. They have not cooperated in the slightest capacity. These items must be removed asap as they dont belong to me

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to dispute the following items on my TransUnion credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$7100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2900.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$6500.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXX XXXX  XXXX, XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} [ Late Payments ] XXXX XXXXXXXX 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
This is my third complaint regarding RentDebt Automated Collections , LLC ( RDAC ). The company continues to report a debt to the credit bureaus without providing legally required validation under 15 U.S.C. 1692g ( a ) of the FDCPA and 15 U.S.C. 1681s-2 ( a ) of the FCRA. 

In their prior response, RDAC stated that they mailed a validation notice to XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/2025. However, I had already moved out of that address in XX/XX/2025. I now reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. Therefore, I never received their validation notice and was denied my right to dispute the debt within the XXXX period allowed by law. 

I have attached a copy of my lease showing my move-out date in XX/XX/2025 as proof that RDAC used an incorrect address. Despite this, the company proceeded to report the alleged debt to XXXX XXXX XXXX XXXX on XX/XX/2025, without properly validating it. 


Attachments : XXXX of lease agreement ( proof of new address as of XX/XX/2025 ) XXXX written response dated XX/XX/2025 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, 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 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 XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am the XXXX XXXX of the XXXX XXXX XXXX ( XXXX ). We offer XXXX lessons at our community pool during the summer. XXXX XXXX used a XXXX credit card issued by USAA Federal Savings Bank to register her child for swim lessons. She did not receive all of the lessons that were paid for in advance so I refunded her {$170.00} of the {$260.00} that she was charged. She originally requested a refund of {$170.00} so she received more than what was requested. When I explained that I was refunding {$25.00} per lesson for XXXX lessons, she came back asking for an additional {$13.00} for processing fees. We don't receive or refund processing fees so I did not process an additional refund. She filed a dispute with her credit card company for the entire amount of the original charge which was {$250.00} for XXXX lessons and {$18.00} in processing fees. I provided the emails and invoices showing that I had already refunded {$170.00} and felt that XXXX XXXX was responsible for the {$75.00} for lessons that her daughter did receive as well as the processing fees that are not charged or collected from the XXXX. USAA sided with XXXX XXXX and refunded her {$260.00} even though she had already received {$170.00} from the XXXX. I tried to reach out to USAA and they not only wouldn't speak with me about the dispute but also stated that they didn't care if I reported the issue to CFPB. If USAA felt that XXXX XXXX was entitled to the refund, they should not have given more than the remaining balance of {$93.00}. I am requesting a refund of a minimum of the {$170.00} that USAA took from our account.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc
State: TX

Complaint narrative:
I check my credit karma very often and have disputed with XXXX  XXXX XXXX and XXXX  about a chime credit card on my account lowering my credit score but it is not mine I have gone through the police for a fraud identity theft case and also disputed with chime which has sent me here to dispute or to get help to get it off my account I only use XXXX XXXX for the last XXXX  years or more no other credit card should be under my name other than that also I am not from XXXX XXXX I am from XXXX Texas and that is the address of the person who stole and is using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of Identity theft and fraud within XXXX business days of you receiving this complaint. this fraudulent, inaccurate, and false information consist of XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint report # XXXX as proof from the XXXX federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sold my home at XXXX XXXX XXXX, XXXX XXXX CA XXXX. Closing was on XX/XX/year>. The Escrow Company ( XXXX XXXX ) had been instructed to pay off the outstanding loans including the XXXX XXXX mortgage, a PACE loan, a HELOC and an HVAC loan with XXXX XXXX XXXX. Approximately, 30 days after the sale of my home, I was contacted by XXXX XXXX XXXX for payment. " I explained that my home was sold, and they should have received the payoff for the loan for the HVAC ( furnace ). They told me they had not received any payment. 
In the meantime, I was contacted all the parties involved with the sale of my home ( XXXX XXXX XXXX XXXX XXXX  ) to resolve the matter. 
During this short window of time, the XXXX XXXX XXXX  chose to report me to the credit agencies : " as not more than XXXX payments passed due ( XXXX ) with Equifax. This negatively impacted my XXXX XXXX by XXXX points. This is based on Experian, Equifax and Transunion reporting data. XXXX XXXX XXXX XXXX  reporting me has harmed me with this negative and inaccurate accounting. I always paid my account to them. This situation is not my fault, and they should have the decency to understand and work with me. Instead, they have chosen to bring adverse credit reporting against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sold my home at XXXX XXXX XXXX, XXXX XXXX CA XXXX. Closing was on XX/XX/year>. The Escrow Company ( XXXX XXXX ) had been instructed to pay off the outstanding loans including the XXXX XXXX mortgage, a PACE loan, a HELOC and an HVAC loan with XXXX XXXX XXXX. Approximately, 30 days after the sale of my home, I was contacted by XXXX XXXX XXXX for payment. " I explained that my home was sold, and they should have received the payoff for the loan for the HVAC ( furnace ). They told me they had not received any payment. 
In the meantime, I was contacted all the parties involved with the sale of my home ( XXXX XXXX XXXX XXXX XXXX  ) to resolve the matter. 
During this short window of time, the XXXX XXXX XXXX  chose to report me to the credit agencies : " as not more than XXXX payments passed due ( XXXX ) with Equifax. This negatively impacted my XXXX XXXX by XXXX points. This is based on Experian, Equifax and Transunion reporting data. XXXX XXXX XXXX XXXX  reporting me has harmed me with this negative and inaccurate accounting. I always paid my account to them. This situation is not my fault, and they should have the decency to understand and work with me. Instead, they have chosen to bring adverse credit reporting against me.

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 2025-11-17 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: AZ

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage incorrectly reported me as XXXX  days delinquent while I was in a fully approved FHA forbearance and undergoing a Trial Period Plan ( TPP ) for Loan Modification. 
Under the CARES Act 4021, servicers must report accounts in forbearance as current. Carringtons own documents instructed me not to make payments until their modification review was complete. I fully complied. 
Despite this, Carrington reported XXXX delinquency, dropping my credit score more than XXXX points after maintaining a perfect XXXX score for XXXX years. This inaccurate reporting violates : FCRA 623 ( furnishing inaccurate information ), FCRA 602 & 607 ( b ) ( accuracy requirements ), CARES Act 4021, CFPB Regulation X ( 12 CFR 1024.41 ) ( servicing errors ).

I am requesting immediate correction : Delete all late payments Update account to current Notify all three credit bureaus I have attached my Trial Period Plan, forbearance approval, and evidence that Carrington prevented me from making payments until modification review was complete.

I request CFPB assistance in compelling Carrington to correct this unlawful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Can you double-check this entry? Its past due and possibly flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these.

Company response to consumer: Closed with explanation