vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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 disputing the following charged-off accounts and inquiries on my Experian credit report : Disputed Accounts : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
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 2025-11-18 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 was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
During the government shutdown when many banks were offering fee forgiveness I received {$920.00} in overdraft fees between XXXX and XXXX. Fees are charged three at a time and even after money was deposited to fulfill the balance the deposited was pending and the fees did not reverse. I was charged over 20 times.

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 2025-11-18 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: NJ

Complaint narrative:
I am writing to dispute the inaccurate late payment ( XXXX ) being reported on my credit file for the following accounts : XXXX ( Account Number : XXXX ), reported with a 30-day late payment from XX/XX/XXXX ; XXXX  ( Account Number XXXX XXXX ), reported with a 30-day late payment from XX/XX/XXXX ; and XXXX ( Account Number : XXXX ), reported with a 30-day late payment from XX/XX/XXXX. I have reviewed the payment history for these accounts, and I was never late on any of them at any time. The reported late payments are inaccurate and do not reflect my actual payment history, which has always been on-time. Despite this, Equifax continues to report them as 30-day late payments. These errors have not been corrected even after my previous disputes, and no documentation, verification, or explanation has been provided to justify the inaccuracies in the reporting. Under the Notice to the Furnishers of Information and the Fair Credit Reporting Act ( FCRA ), the furnishers of this information are obligated to ensure that only accurate and complete data is provided to credit reporting agencies. Section 623 of the FCRA mandates that furnishers of information, like those involved with these accounts, must investigate and correct any inaccurate information when notified of disputes. In this case, despite the notice and my previous disputes, no action has been taken to rectify these inaccuracies, which is a clear violation of these duties. I am requesting that Equifax immediately correct the reported late payments for these accounts to reflect an on-time status and update the payment history to Paid as Agreed for all months reported. This inaccurate reporting violates several provisions under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires that credit reporting agencies maintain maximum possible accuracy in reporting consumer information ; 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a proper reinvestigation when a consumer disputes the accuracy of information reported on their credit file ; and 15 U.S.C. 1681b and 15 U.S.C. 1681n, which address the permissible purpose and legal compliance in reporting and maintaining consumer data, and provide for penalties in the case of willful non-compliance. These inaccuracies not only violate my rights under the FCRA but also continue to harm my credit standing and financial well-being. I am requesting that these errors be corrected immediately and that the accounts be updated to reflect Paid as Agreed to accurately represent my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP

Complaint narrative:
U.S. Bank is closing my business deposit account effective XX/XX/XXXX ( letter dated XX/XX/XXXX attached, XXXX XXXX ) with no reason given despite repeated requests. 

On XX/XX/XXXX, a supervisor verbally informed me they are also closing my U.S. Bank business credit card on XX/XX/XXXX no written notice provided. This card has a 0 % introductory APR promotion on the existing balance until XX/XX/XXXX. 
Additionally : I have recorded phone calls where U.S. Bank representatives explicitly promised no interest would be charged on this card. 

Despite those promises, U.S. Bank erroneously charged interest for multiple months. 

When I disputed, representatives hassled me aggressively to obtain reversals I eventually succeeded, but it required excessive effort and multiple phone calls. 

The sudden card closure immediately after these disputes feels punitive and retaliatory. 

This pattern verbal closure threats, no disclosure, potential early revocation of a contractual 0 % promo, and history of billing errors appears unfair and deceptive under the CFPA.

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 2025-11-18 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: IL

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 am filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. I have disputed these items directly with Equifax, but they have failed to properly investigate as required under the Fair Credit Reporting Act ( FCRA ), particularly 602, 607, 611, and 623.

I am requesting that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation in compliance with the FCRA. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( EQ ) XXXX XXXX XXXX XX/XX/2020 {$0.00} This account is being reported with incomplete information. Equifax has failed to provide proper verification or documentation of this account. 

Inquiries ( EQ ) No inquiries listed to dispute. 

Late Payments ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-18 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: OK

Complaint narrative:
I am writing to dispute the following items on my credit report that I believe to be inaccurate and/or incomplete. Below is a list of the accounts in dispute, separated by bureau : Equifax ( XXXX ) Charged Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$1100.00} Inquiries : ( No inquiries listed ) Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this complaint because TransUnion failed to conduct a reasonable investigation of an identity-theft-related account that is not mine. 

I disputed a XXXX XXXX account with TransUnion on XXXX. I have never opened an account with XXXX. I am a victim of identity theft and placed a security freeze on my credit to protect myself. 

Despite this, TransUnion marked the account VERIFIED AS ACCURATE on XX/XX/year>. TransUnion did not provide a method of verification or any evidence showing how this account was determined to be mine, which is required under FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Instead of providing proof, TransUnion simply updated fields such as Date Updated, Date Closed, Remarks, and Rating, which suggests they only accepted an automated response through the e-Oscar system instead of conducting a legally required reasonable investigation. 

XXXX has never sent me a contract or application showing I opened this account. The account was opened fraudulently. 

Because TransUnion failed to : Properly investigate disputed information Verify identity-theft-related information with evidence Provide the method of verification I am requesting the CFPB order TransUnion to delete this account from my credit report immediately under the FCRA. 

I also request that TransUnion provide documentation showing EXACTLY how this account was verified, and who at XXXX confirmed it. 

Blessings, 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
Company : L J Ross Associates , Inc . 
Account : XXXX XXXX Alleged Debt LJR Ref # XXXX Complaint : I am filing this complaint because L J Ross Associates has been attempting to collect a debt they have never validated, despite seven months of repeated written and verbal disputes submitted through email, phone, and multiple certified letters.

L J Ross has violated the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in the following ways : 1. Failure to validate the debt under 15 U.S.C. 1692g ( b ).

2. Continuing to report the disputed account to credit bureaus despite failing to validate it.

3. Repeatedly contacting me after I disputed the debt several times. 
4. Attempting to coerce payment by offering pay to delete as an option, which is illegal.

5. Requesting highly sensitive and unnecessary documents, including my military orders, DD-214, mortgage paperwork, and old utility bills.

6. Making false statements about military databases, claiming they should be able to see my military status, which is untrue and was used to intimidate me.

7. Damaging my credit for seven months with an account that they have never proven I owe.

8. Refusing to cease collection efforts, even after receiving multiple formal disputes.

During a recent phone call, their representative told me that my three options were : ( 1 ) give them my military documents, ( 2 ) send old utility bills proving where I lived years ago, or ( 3 ) pay the debt so they could delete it.

These options are illegal and violate multiple sections of the FDCPA ( 1692e, 1692d, 1692f ). 

I have moved multiple times due to active duty military service and was not living at the address where this alleged debt originated. L J Ross has never provided validation, only recycled copy only statements months after my dispute. 

I am requesting CFPB assistance to : Require L J Ross to delete this account from all credit reports, Cease all collection activity, Confirm closure in writing, and Address their repeated FDCPA violations. 

I am also seeking statutory and actual damages due to their misconduct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TransferWise Ltd
State: MT

Complaint narrative:
On XXXX XXXX, I attempted to make a personal money transfer to a family member using my Wise account. Immediately after this transaction attempt, Wise restricted my account and subsequently notified me of a permanent closure, citing " Acceptable Use Policy 1.2 '' regarding risk appetite. 

Legitimate Personal Use : The transaction in question was a standard remittance to immediate family for personal support. It was not for business, crypto, or any prohibited activity. Wise has failed to distinguish between a high-risk transaction and a normal family transfer. 

Unjustified Funds Hold : In their notification, Wise stated they might hold my funds for " up to 60 days '' for due diligence. This is excessive and abusive. Since the source of funds is my personal bank account and the recipient is a verified family member, there is no legal basis to freeze my assets for two months.

Lack of Due Process : Instead of asking for clarification or proof of relationship ( Source of Funds/Purpose of Payment ), Wise simply issued a permanent ban. This " shoot first, ask questions later '' approach has caused me significant distress and financial disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or misused without my authorization. Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my information. Correct or remove any inaccurate information from my credit report related to this breach. Provide written confirmation of the investigation results and actions taken. Failure to address this issue may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Please treat this matter with urgency and provide confirmation of receipt and investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I did not give my consent or authorization, nor did I receive any benefit from these following accounts. This situation is deceptive, and I request the immediate removal of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation