vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint as a consumer who is simply trying to fix inaccuracies on my credit reports. I am requesting a full investigation, verification, and correction of the following accounts and inquiries that appear to be inaccurate, incomplete, or unverifiable. Please see each bureau section below. 

Charged-Off Accounts in Dispute XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$65000.00} XXXX  XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX XXXX  XXXX XX/XX/XXXX {$2000.00} Inquiries in Dispute XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Late Payments in Dispute 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 2025-11-24 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX of 2024 my XXXX account was compromised and XXXX transactions were made. XXXX using the primary card on my XXXX account American express business, XXXX using XXXX credit ( which was resolved without an issue ) and XXXX XXXX my XXXX XXXX XXXXXXXX debit account which I notice and got the transaction kicked back to my XXXX account where it still sits today. I've disputed the XXXX transactions with American express which has been denied over and over again for them either never getting back to me or asking me to provide more documents which I've done every time. The amount was XXXX total. The transaction was made from XXXXXXXX XXXX XXXX  and I explained to amex that I never even left the country. This has been going on for almost 2 years now and I am still paying interest on the remaining balance ( making the minimum payments ) but this has been a nightmare. The transactions was made in euros. XXXX for XXXX euros, XXXX for XXXX euros which transfer to use at XXXX the documents are the deputes that I've opened with XXXX last XXXX or XXXX when I found out about the transactions. This is the last thing that amex asked me for ( a proof that I've reported fraud to my account the dollar amount is in euros and its for the XXXX XXXX XXXX XXXX transactions that I am still fighting with amex until today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a consumer trying to fix my credit. The items listed below are inaccurate, unverifiable, or being reported inconsistently across bureaus. I am requesting a full reinvestigation under the FCRA and the removal of any account or inquiry that can not be verified with complete accuracy. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, balance {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, balance {$830.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Timeline of Events Chase Misrepresentation Issue Your Name : XXXX XXXX Chase Account Ending : XXXX XX/XX/year> Initial Call With Chase ( XXXXXXXX XXXX XXXX  ) Told I was 21 days late. 

Told business credit reports differently than personal credit. 

Told my personal credit would NOT be affected if I entered a payment plan before 60 days late. 

Informed that the 60-day late date was XX/XX/year>. 

Late XX/XX/year> XXXX Chase Representative Told again that entering an arrangement would result in credit reporting as paid as agreed. 

Told that no derogatory information would appear. 

XX/XX/year> Entered Payment Arrangement ( XXXX XXXX XXXX ) Entered agreement with XXXX XXXX XXXX ( XXXX ) after Chases referral. 

XXXX taken 11 days before the 60-day late threshold. 

XX/XX/year> Discovered XXXX XXXX Damage All bureaus reported derogatory information. 

Credit score dropped over 100 points. 

Fell below minimum mortgage score of XXXX. 

Current Impact At risk of losing a new home under contract and currently being built. 

Mortgage qualification jeopardized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
My wife and I had a credit card with XXXX  XXXX XXXX. We used it for shein and some purchases from XXXX. We noticed some charges we didnt authorize and contacted XXXX  XXXX. They advised we did the charges. We disputed the charges again. They were forcing us to pay for charges we did not make. The card was charged off and reported to my credit. Portfolio Recovery has been calling my wife phone non stop daily. She has answered and they hang up. She answered several times and they ask for me. She explains she is my wife. They proceed to tell her i have an debt. She ask them to verify what they have and send proof of them being the original debtor. They have proceed with treats and comments regarding our credit. She asked how they got her number and what is the original company. They have told her several different things. They have said they were XXXX XXXX and XXXX XXXX. They keep giving false information and asking her to verify my number and what charges we did not make. They even told my wife i opened a card without her and she asked how did they get her number. She asked why are they even calling her and they proceed to say if you would have read the agreement you should know we can buy this debt from XXXX  XXXX and contact you regarding it. This has been going on since XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-24 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: PR

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 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-24 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: PA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-24 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: TX

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 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 2025-11-24 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: SC

Complaint narrative:
am submitting this complaint because several items being reported by the credit bureaus are inaccurate, incomplete, or can not be properly verified. I am requesting a full reinvestigation according to the FCRA, along with the correction or removal of all accounts and inquiries listed below. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$160.00} Inquiries in Dispute No listed inquiries for EQ Late Payments XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a consumer attempting to correct inaccurate and incomplete information reported on my credit file. I am requesting a full investigation under the FCRA, ensuring all items are verified with complete accuracy, updated, or removed if unverifiable. 

Charged Off Accounts in Dispute XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$81000.00} I am disputing this account due to reporting inconsistencies and missing verification. Please investigate under FCRA guidelines. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$140.00} I do not recognize this account. Please provide complete validation or remove.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian failed to respond to my CFPB complaint regarding the inaccurate and unverifiable tradelines furnished by XXXX XXXX XXXX. My original CFPB complaint was submitted on XX/XX/year>, and the CFPB portal shows no response from Experian. 

Although I received postal mail from Experian, the company never responded inside the CFPB portal, which is the required method for responding to a CFPB investigation. The CFPB requires a written response through the complaint portal within 15 days, and Experian failed to provide any response at all.

The mailed letter does not satisfy Experians legal obligation to respond directly to the CFPB. As a result, Experian is in violation of : -CFPB complaint response requirements ( failure to respond through the portal ) -FCRA 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation -FCRA 1681i ( a ) ( 6 ) failure to provide proper investigation results -FCRA 1681e ( b ) failure to assure maximum possible accuracy -FCRA 1681i ( a ) ( 5 ) failure to delete unverifiable information Experian continued to report two inflated and unvalidated tradelines : -A tradeline reporting a balance of approximately {$15000.00} -A tradeline reporting a balance of approximately {$1100.00} -Both balances are inaccurate, inflated, and unverifiable. I provided Experian with : * My contract with the vendor * Proof of payments * A copy of my validation request to XXXX * Proof that XXXX received my dispute * Evidence that XXXX provided no validation * Evidence that XXXX continues to call me * Documentation showing the contract does not authorize credit reporting * Evidence I never provided my Social Security Number * Proof that no mail was ever received from XXXX * CFPB complaint documentation and rebuttal Despite all this evidence, Experian : XXXXDid not respond to the CFPB within the required timeframe -Did not address or upload any documents into the CFPB portal -Did not provide validation or documentation -Continues to report unverified information -Failed to follow the proper CFPB process

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 2025-11-24 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: TX

Complaint narrative:
These accounts are not associated with me, and I request their deletion within 15 days under 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 2025-11-24 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Unauthorized Withdrawal From My Personal Account to Pay a Business Credit Card Bank of America Bank : Bank of America Manager I spoke with : XXXX XXXX Date this happened : XX/XX/2025 Amount removed : {$2100.00} Account affected : Personal checking account Debt it was applied to : Business credit card My authorization : None What happened : On XX/XX/2025, Bank of America took {$2100.00} out of my personal checking account without my permission. The transaction showed up as an XXXX XXXX. The money was used to pay my business credit card, even though I have never set up auto-pay or any type of automatic transfer between these accounts. 
I contacted the bank right away. I spoke with a manager named XXXX XXXX, who told me that they cant reverse it and that Regulation Z doesnt apply. I explained that this money came out of my personal consumer account, and that I never agreed to any automatic payment or offset. He still refused to reverse it or provide any proof that I authorized the transfer. 

Bank of America has not given me : Any signed offset agreement Any cross-collateral or cross-default document Any authorization for an automatic payment Any notice that money would be taken Any explanation for why personal funds were used to pay a business-related debt Any way to dispute the transaction This caused me financial harm, and I was not given any proper dispute process.

Why I believe this is a violation : 1. Regulation Z ( Truth in Lending Act ) does not allow a bank to take money from a consumer deposit account to pay a credit card without clear authorization.

2. My checking account is a personal account, which means federal consumer protections apply even though the debt is from a business credit card.

3. A personal guarantee on the business card does NOT mean the bank can remove money from my personal account.

4. General fine print or boilerplate disclosures do not give the bank perm
ission to move money unless I clearly agreed to it. I did not.

5. I never signed anything giving Bank of America permission to take money out of my personal account for business obligations.

6. The bank refused to provide any proof of authorization and still said they will not reverse the withdrawal.

What Im asking for : A full refund of the unauthorized withdrawal A formal investigation into how and why the money was taken Copies of any documents the bank believes authorize this Confirmation that this will not happen again Reversal of any fees or financial issues caused by this Thank you for reviewing this.

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 2025-11-24 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Received a debit card in the mail for my new account. I have not opened any new debit card accounts.

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