vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zachter PLLC
State: TX

Complaint narrative:
I took a merchant cash advance from XXXX XXXX funding out of Florida in XXXX, it was under my company XXXX, which is now defunct and I had to shutter. In XXXX they used a loophole with XXXX bank since they are out of NY, to levy my bank account. I got that XXXX removed and thought it was over with, I did not do my research. Now they have used the same loophole with XXXX because they use XXXX bank, and they have levied my brokerage account through a law firm called Zachter PLLC based in Ny. I was never served, theyve never attempted a writ of garnishment and theyve never domesticated the default judgement. I should be protected under my XXXX, but XXXX used a COJ which was made illegal a month before I took the XXXX. Now Zachter law firm has illegally levied my account. I called them to make a settlement 2 weeks ago, submitted what I would think is a fair settlement to make payments for the full amount of {$10000.00}, yet XXXX and Zachter continue to tell me they are reviewing the offer. I want Zachter to remove the default judgement, the levy on my brokerage account because It was the default judgement, I want it nullified because they are not acting according to law and proceeding with illegal levies and collection practices and I want my protections in place with my LLC. They cant levy or collect personal funds from any of my accounts when Ive never been served. If these thing dont happen, I plan on taking legal action against Zachter law firm and XXXX XXXX funding for illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my EXPERIAN credit report that violate the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing late payment notations on the XXXX  XXXX BANK NA account ( Account Number ending in XXXX ), which was opened on XX/XX/XXXX, with a balance of {$1500.00}. The report indicates a XXXX late payment in XX/XX/XXXX, which is false. I have never been late on this account, and no documentation or verification has been provided to justify this derogatory mark. This inaccuracy must be promptly corrected or removed in accordance with FCRA guidelines. 

Additionally, the account with XXXX AUTO ( Account Number ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$9400.00}, is being reported with multiple late payments specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and multiple instances in XXXX. These late payment entries are false, and again, no supporting evidence has been provided by EXPERIAN or the creditor. These erroneous reports have significantly harmed my credit profile and are a direct violation of the FCRA, which mandates that all information reported must be accurate and verifiable. 

Furthermore, the accounts listed under XXXX ( Account Number ending in XXXX ) and TBOM/MILESTONE ( Account XXXX ending in XXXX ) have both been previously disputed and deleted due to verified inaccuracies. However, they have since been illegally reinserted into my credit report without notice or justification, which constitutes a violation of Section XXXX of the FCRA. I demand that these accounts be permanently removed from all of my credit reports, as their reinsertion is unauthorized and unlawful. 

Finally, I am disputing the following hard inquiries as they were made without my authorization and for a non-permissible purpose, which violates FCRA XXXX XXXXXXXX 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 and XX/XX/XXXX ). I am requesting that these inquiries be immediately blocked and removed from my credit report. I request that EXPERIAN investigate and take appropriate corrective action, and I am seeking CFPB assistance to ensure compliance with all applicable federal consumer protection laws.

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 2025-08-08 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Back on XX/XX/XXXX or XXXX I contacted Chase regarding an issue of charges on my account from XXXX play store from an app called " Realm of Pixels '' that I personally didn't charge. There were many many transactions of XXXX of various amounts for a total of around $ XXXX dollars. 

I had never personally played this game nor knew what it was. Chase removed the charges pending investigation. I wake up this morning XX/XX/XXXX and the charges are now back on my account. This doesn't make any sense to me if they were fraudulent. Why would I pay for something I personally didn't gain. 

Even worse is after Chase had credited the account during the investigation, XXXX themselves had refunded around {$3500.00} of the transactions on XX/XX/XXXX. That refund never hit my account since Chase had already removed them. So even if Chase wasn't going to remove it all they can't keep the {$3500.00} I was refunded by google.If XXXX had refunded they obviously saw fault in the transactions which should be the entire $ XXXX {$8700.00}. It wouldn't make sense that a portion is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I make my payments via my XXXX online banking. I have payments sent with guaranteed delivery by the due date. Twice I was charged late fees for payments sent with plenty of time to be received by the company. 
The first time, they credited back my late fee. Then next time, a year later, they refused to credit back the fee. Payment was sent 7 days prior to due date, yet they claim it was not received in time and charged a late fee. While I was arguing and asking for the date my payment was received, not processed, they charged another late fee. Even though I had paid the first late fee, they again claimed they didn't receive it on time. 

I believe they are receiving payments in a timely manner, but not processing them. Then charging late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Credit Collection Serv XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Re : Dispute of Account XXXX XXXXXXXX To Whom It May Concern, I am writing to dispute the validity of the alleged debt associated with the above-referenced account. Under the provisions of the federal Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby exercise my rights to request that all communication pertaining to this debt be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this debt from me, and as per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family members, friends, or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including the amount owed, the original creditor 's name, and any relevant account information. Until proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the XXXX XXXX XXXX XXXX, which are mandated by the FCRA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have already reported this debt to any credit bureaus, I demand that you correct any inaccurate information immediately. 

Failure to comply with my request and the relevant consumer laws within XXXX  days from the date of receipt of this letter will be considered a violation of my rights under the FDCPA and FCRA. In such an event, I will have no choice but to file a complaint with the Federal Trade Commission and the Attorney General of [ your state here ], outlining your non-compliance. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I apply for a Business Line of Credit at Truist Bank and the Branch XXXX that helped me told me to open a Business checking account to lower XXXX XXXX on the XXXX But the day that the account was open on XX/XX/XXXX was open with be myself present when - arrived to the Local Truist Branch the account was already opened and the Debit card was sent out with an automatic generated PIN at that moment I was concerned about and I asked her how come the Debit card and the pin was selected without me been present and she said that is normal that they open account all day long in that way. Then days past by and I never received the debit card, XXXX  days later I was checking my email and I notice that the DC was used at a ATM with multiple transaction at a far away city from where I live for a total of {$1400.00} what happened was that the card was stolen, then I open a fraud case with Truist XXXX department and was declined and then I spoke to the XXXX again and she told me that she will open a new case and that one was declined as well, I report the case to XXXX XXXX Police XXXX and with the XXXX XXXX XXXX XXXX, Then I tried to open a new claim and they told me that I can NOT open a new claim. Then I requested to speak with a XXXX XXXX XXXX at Truist Bank But they never reply back to me. I also filed a claim with Federal trade commission. Buy the way I'm a business banker at Bank XXXX XXXX, I have been in the banking industry since XXXX. I hope this can resolve the issue. Thank you

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 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-08 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A fraudulent account has been reported under my name and is damaging my credit profile. I did not open this account, authorize it, or enter into any agreement with the reporting creditor. The information is false and is the result of identity theft that must be addressed quickly.

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 2025-08-08 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unlawfully reported information currently appearing on my TRANSUNION credit report, in violation of the Fair Credit Reporting Act ( FCRA ). The first issue concerns the XXXX XXXX XXXX XXXX account ( ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$1500.00}. TRANSUNION is inaccurately reporting a XXXX late payment for XX/XX/XXXX. I have never missed a payment on this account, and neither the furnisher nor TRANSUNION has provided any evidence to support this derogatory information. Under the FCRA, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. 

Secondly, the XXXX XXXX  account ( ending in XXXX ), opened on XX/XX/XXXX, with a current balance of {$9400.00}, is being reported with multiple late payments for the following months : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These entries are completely inaccurate, as I have never been late on this account. No documentation has been provided to support these claims. This is a clear violation of the FCRAs requirement to report only accurate and verifiable information. 

Furthermore, TRANSUNION has reinserted XXXX previously deleted accounts into my credit report without proper reinvestigation procedures or notice. These accounts are XXXX ( ending in XXXX ), opened on XX/XX/XXXX, and XXXX ( ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$820.00}. Both accounts had been removed due to proven inaccuracies, and their reappearance is unlawful under FCRA Section 611. I request their immediate and permanent deletion from my credit file. 

Lastly, I am disputing the presence of multiple unauthorized hard inquiries on my TRANSUNION credit report. These inquiries were made without my knowledge or consent and violate FCRA Section 604, which requires a permissible purpose for all credit pulls. The unauthorized inquiries are as follows : XXXXXXXX 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 These inquiries are fraudulent and must be removed from my report to prevent further harm to my credit standing.

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 2025-08-08 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief