vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
On XX/XX/year>, I learned that XXXX XXXX XXXX is attempting to collect and/or report an account ( No. XXXXXXXX XXXX XXXX XXXX XXXX ) that is not mine. I have never opened, authorized, or been associated with this account. 

I disputed the account in writing on XX/XX/year>, requesting full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), including a signed contract and payment history. Instead of ceasing collection as required, the company continued its collection activity and/or continued furnishing this account to credit reporting agencies.

This is a violation of the FDCPA ( failure to cease collection pending validation ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( furnishing inaccurate information after notice of dispute ). It is also a violation of CFPB Regulation V ( 12 C.F.R. 1022 ), which requires reasonable procedures to ensure accuracy of furnished information. 

I have never received any contract, signature, or evidence tying me to this account. I am requesting that the CFPB require XXXX XXXX XXXX to immediately : Cease all collection efforts on this account. 

Permanently delete this account from all consumer reporting agencies ( XXXX, Experian, and XXXX  ). 

Provide written confirmation of deletion. 

I am attaching my cease and desist/dispute letter, sent via certified mail, and proof of delivery.

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 2025-08-13 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: Global Lending Services LLC
State: GA

Complaint narrative:
On XX/XX/year>, I learned that XXXX XXXX XXXX is attempting to collect and/or report an account ( No. XXXXXXXX XXXX XXXX XXXX XXXX ) that is not mine. I have never opened, authorized, or been associated with this account. 

I disputed the account in writing on XX/XX/year>, requesting full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), including a signed contract and payment history. Instead of ceasing collection as required, the company continued its collection activity and/or continued furnishing this account to credit reporting agencies.

This is a violation of the FDCPA ( failure to cease collection pending validation ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( furnishing inaccurate information after notice of dispute ). It is also a violation of CFPB Regulation V ( 12 C.F.R. 1022 ), which requires reasonable procedures to ensure accuracy of furnished information. 

I have never received any contract, signature, or evidence tying me to this account. I am requesting that the CFPB require XXXX XXXX XXXX to immediately : Cease all collection efforts on this account. 

Permanently delete this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ). 

Provide written confirmation of deletion. 

I am attaching my cease and desist/dispute letter, sent via certified mail, and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: OK

Complaint narrative:
I purchased orthodontic treatment from XXXX through XXXX XXXX, financed via XXXX XXXX. I made payments as agreed until XXXX suddenly froze all treatments worldwide during a legal matter after reports that someone contracted a sickness from their aligners. 

This service freeze was beyond my control, yet XXXX XXXX  and XXXX XXXX continued to report my account negatively, on my XXXX  credit report. The service agreement was paused and they wanted me to pay for services Im not receiving for months and I received only partial treatment. 

I dispute this reporting and the continued collection on an account tied to undelivered services. Under the Fair Credit Billing Act and the Fair Credit Reporting Act, creditors must ensure that information is accurate and that consumers are not held liable for services never rendered. 

I am requesting that : 1. All negative or limitation remarks be removed from my credit reports. 
XXXX. XXXX XXXX  and XXXX XXXX close this account with a {$0.00} balance.or just give me another chance to make my monthly payments XXXX. Any record of delinquency or negative payment history related to this matter be deleted. 

I have documentation of XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I was offered a job online from a company called XXXX. This eventually led to me being sent a check for {$4700.00} to buy computer equipment and software. XXXX asked me to withdraw {$4500.00} from an XXXX XXXX ATM machine to pay the first installment for the computer equipment. I did. The following day they sent a second check for {$4900.00} which wasnt cleared by the bank because there were insufficient funds in the issuing bank. They asked me to pay some of the balance to the vendor. I told them I couldnt and that was the last I heard from them. That afternoon I checked my bank balance and it said - {$3300.00}. I spoke with the Bank of America fraud department and they said it was my fault because I willingly withdrew the {$4500.00}. My point to them was that had they have been diligent and checked whether they were sufficient funds to cover the first {$4700.00} check and blocked the first check, this would not have happened. I believe it was their fault

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 2025-08-13 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-13 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-08-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
A {$500.00} AMEX gift card was purchased on XX/XX/year> as a gift. The recipient was unable to use the card and was advised to contact the " number on the back of the card ''. AMEX was called on XX/XX/year> indicating that the card was disabled as a security measure. There was no means of reactivating the card for " my safety ''. The rep requested I email my receipt and drivers ' license. I immediately objected to the idea of sending a copy of my drivers ' license via email and requested a cash refund instead ( which was refused by the rep ) ; however, the rep did give me a fax number and a case number. I faxed the receipt and drivers ' license as requested on XX/XX/year>. 

I did not hear anything back and followed-up on XX/XX/year>. The rep indicated that I was given an incorrect case number and asked I re-fax the information again. I was annoyed, but obliged. 

I did not hear anything back and followed-up on XX/XX/year>. The rep indicated there was no record of a fax received and had " escalated '' the case indicating that I did not need to do anything further but to give them XXXX business days and that they would reach out by email. The second business day was yesterday XX/XX/year>. I indicated I would give them until XXXX Wednesday. 

As of Wednesday XXXX  I do not have any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 explanation
Consumer complaint received 2025-08-13 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 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 2025-08-13 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-13 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit inquires that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
XX/XX/XXXX To : Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute Fraudulent Accounts Resulting from Identity Theft & Data Breach To Whom It May Concern, I am writing to formally dispute multiple accounts reporting on my credit file that are fraudulent and not mine. My personal information was compromised in both the National Public Data Breach and the Equifax Data Breach, exposing my name, Social Security number, and other identifying information to unauthorized individuals. As a result, fraudulent accounts have been opened in my name without my knowledge, consent, or authorization. 

The following accounts are being reported on my credit file and must be immediately and permanently deleted : XXXX XXXX  XXXX {$1800.00} XXXX {$1400.00} XXXX XXXX {$3500.00} XXXX {$0.00} I have never applied for, opened, or authorized any of the above accounts, and I have no contractual or financial relationship with these creditors. Their continued appearance on my credit reports is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires blocking and deletion of information resulting from identity theft upon receipt of an FTC Identity Theft Report.

15 U.S.C. 1681i Requires a reasonable reinvestigation and deletion if information can not be verified. 
15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy in the reporting of consumer information.

15 U.S.C. 1681b Limits permissible purposes for furnishing a consumer report.

15 U.S.C. 1681n & 1681o Establish liability for willful and negligent noncompliance.

FTC Identity Theft Rules ( 16 C.F.R. 603 ) Prohibit continued reporting of fraudulent accounts once identity theft is documented. 
I have enclosed my FTC Identity Theft Affidavit, a copy of my government-issued identification, proof of address, and documentation verifying my involvement in the above-mentioned data breaches. This serves as formal notice and legal demand for the permanent deletion of these accounts from my Experian, Equifax, and TransUnion credit files. 
You are required to respond with written confirmation of deletion. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, along with pursuit of legal remedies including statutory, actual, and punitive damages. 

Sincerely, 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had collected a check from a company for a completed project by my business. Previously the check from my customer was deposited into Chase Bank, it was placed on hold when it was deposited. They stated they could not verify with the bank the check was on. Eventually the credited the deposit to my account. It took 8 days. When I completed the job and the customer paid me, I took the check to the bank XXXX XXXX in which it was drawn on. They said they could convert the check to a cashier check. I agreed, and then took the check to Chase for {$5200.00} in a cashier check, made payable to my company. At that point I took it inside the Chase bank to deposit it. I asked the teller if I would receive immediate credit as I needed the funds to pay my bills and continue operations. I went to the customers bank for exactly that reason to get good funds to deposit in my bank that desperately needed. After getting the Chase manager involved, he ran the cashier check deposit, stated it would be placed on hold. It could very well be fraud and it could be cancelled. I asked him to reverse the deposit and return the cashier check back to me. He did. I went back to XXXX XXXX XXXX They offered no resolution. I then deposited the cashier check remotely as I had no other choice and needed my funds. They denied credit and placed it on a 9 day hold. 
I went back to XXXX XXXXXXXX XXXX  and spoke to the manager. She provided me with a letter and copies of the processed cashier check in which was paid the next day XX/XX/XXXX, by her bank. I then took that paperwork back to Chase Bank, the manager said he called it in and the told him they would not remove the hold. He had verification from XXXX XXXXXXXX XXXX of payment to Chase. I have spoken to Chase Fraud department at a number of times, going through the entire deal each time, and they continue to refuse me my funds. " There's more ''

Company response to consumer: Closed with non-monetary relief