vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: WI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MN

Complaint narrative:
Im contacting you because I dont recognize these accounts and didnt authorize them. Please review and delete them. Proof is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/year> I, XXXX XXXX, was contacted by a stranger through text message ( ( XXXX ) XXXX ) claiming that they were looking for their friend XXXX. They introduced themselves as XXXX from XXXX XXXX and that their XXXX name was XXXX. Thinking that I had made a new friend, XXXX asked me to download XXXX where we could communicate. Their XXXX number is ( XXXX ). This was the start of what I now know as a pig-butchering scam. XXXX directed me to a scam website where I could " invest '' in gold futures. When attempting to withdrawal I was told to pay large amounts in order to get my money out. On XX/XX/year>, XXXX informed me that she had secured funding to help pay for my fee to withdraw my money. {$30000.00} arrived in my XXXX bank account which I then wired and transformed into cryptocurrency and gave to the scammer. On XX/XX/year>, when reviewing my credit report, I noticed that a XXXX loan of {$30000.00} was issued that I did not authorize. I had given many personal details to this scammer including my driver 's license and access to many accounts. I will attach a copy of the full scam details that I sent to my local police department. The document details everything that happened.

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 2025-12-02 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I attempted to setup my account on XX/XX/year>. After I went online using my phone and entered what they requested, the message came up saying the verification link was sent to my email address ; nothing was received. I tried going online using a computer, it still says the account can't be found. I tried to reset the password. I entered the new password, and the error message says, " this account couldn't be found ''. I have been trying to speak to someone since yesterday, but there is no way to speak to a real person. Please help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a written debt validation request to Columbia Debt Recovery LLC d/b/a Genesis regarding a collection account they are reporting for a balance of {$2500.00}. The alleged debt relates to a rental property with an original delinquency date of XX/XX/XXXX. 

In my validation request, I asked for documentation required under the FDCPA, including : A signed lease agreement showing I am responsible for the debt A full itemization explaining how the balance increased A payment and charge history from the original creditor Copies of all notices previously sent to me Proof of their legal authority to collect in XXXX Proof the account is not a duplicate or joint-liability error As of today, the company has provided no response and no documentation. Despite failing to validate the debt, they continue to report the account to the credit bureaus, which is a violation of FDCPA 1692g ( b ) and inaccurate reporting under the FCRA. 

I am unable to verify the legitimacy of this account because the collector has not supplied any legally required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report as inaccurate and incomplete. These items are reflected on my credit reports from Experian ( XXXX ), Below is a summary of the accounts in dispute, separated by bureau : Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: MA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Mercury Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a fraudulent {$5400.00} charge from XXXX was force-posted to my Mercury business debit card, even though : the card used was deactivated nearly a month earlier, the amount was five times higher than our available limit, we had no active rental, we were stranded on the side of the road, and the bank froze all our funds because of the excessive unauthorized charge.

I immediately notified Mercury and XXXX. XXXX confirmed they are investigating it as a fraudulent charge. Mercury repeatedly refused to release any non-disputed funds, leaving us with XXXX access to our money while traveling out of state. 

Mercury has wrongly denied the dispute multiple times based solely on internal records, without providing : any signed contract, any preauthorization record, any itemized receipt or folio, any documentation showing I owed XXXX money, or any XXXX clearing record that would justify a force-post. 

Mercury claims that because the account is a business account, Regulation E and federal debit card protections do not apply. However, the debit card operates on the XXXX debit network, and the funds are held by XXXX XXXX XXXX XXXXXXXX, which is subject to federal consumer protection and XXXX chargeback rules. 

The bank refuses to follow XXXX Rule 4830, which requires them to provide documented merchant authorization before denying a dispute. 
They also refuse to provide the evidence they allegedly relied on. 

They did not perform a proper investigation and are withholding funds without legal justification. 
Because Mercury froze all our funds, my spouse and I were stranded on the side of the road in Nevada with no access to money, no ability to buy food, fuel, or transportation, and no ability to continue our honeymoon trip. We were left completely financially cutoff even though the disputed charge was : made on a deactivated card unauthorized many thousands above our limit acknowledged by XXXX as under fraud review The bank refuses to help and has left us in a dangerous situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunbit, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I contacted Sunbit and requested that my payment due date be moved because the original date ( XX/XX/XXXX ) no longer worked for me. Sunbit APPROVED this request and sent me an email confirming : Scheduled Due Date : XX/XX/XXXX ; Amount : {$100.00} ; Will be charged on XX/XX/XXXX. I have all email records. 

Later in XXXX I contacted Sunbit again and asked for the payment to be moved to the end of the month instead. Sunbit approved this second request and moved my due date to XX/XX/XXXX, with the amount STILL {$100.00}. 

On XX/XX/XXXX, I paid {$100.00}, which matched the modified due date and amount Sunbit approved. 

However, despite Sunbit approving the new payment date and amount, the company later claimed this payment was past due and outside their XXXX timeframe, even though they themselves changed the date to XX/XX/XXXX. Their system then continued to show that I owed the wrong amount and they scheduled another debit on XX/XX/XXXX and XX/XX/XXXX, even though I had already paid the correct amount on time according to the updated agreement. 

On XX/XX/XXXX, Sunbit attempted to charge me again for {$200.00}, even though : I had already paid the approved {$100.00} amount on XX/XX/XXXX The higher amount was never approved or agreed to The due date change was initiated and approved by Sunbit and I should NOT BE REPORTED to the credit bureaus when I paid ON TIME. 

Sunbit has not corrected the billing error, has not updated the payment amount, and has attempted multiple unauthorized charges. Their customer service has also not responded to my follow-up email. They are very unwilling to work with me. 

I am requesting that the CFPB review Sunbits handling of my account, the incorrect billing practices, the inaccurate delinquency reporting threat, and the unauthorized attempt to charge me AN ADDITIONAL {$100.00} ( so {$200.00} ) when I already paid, after I paid the correct amount they approved! In the screenshots below and the email they said I owe {$100.00}, it does not say that I owe double that so why am I being told that my payment is late when I made the payment and that they may report me as late, that is wrong!!!! They moved my original XXXX payment to XX/XX/XXXX, so I paid it on time within the XXXX  day frame. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items listed on my credit report. These discrepancies involve both charged-off accounts and inquiries that I believe are inaccurate or incomplete. Below are the details of the accounts I am disputing, separated by each credit bureau. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of certain items on my credit reports. These items appear to be erroneous or incomplete, and I kindly request a thorough investigation to ensure the integrity of my credit file. Below, I have outlined the accounts in dispute, separated by each bureau : INQUIRIES EX : Dear Sir/Madam, I am disputing the following inquiries on my Experian report. These inquiries do not appear to be authorized by me, or they may have been reported inaccurately. I request an immediate review and correction of these records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dear Sir/Madam, I am disputing the following late payment reported on my Experian report. I believe this entry is incorrect, and I request a thorough investigation to correct any inaccuracies in my payment history. 

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I dispute the following charged off accounts and late payment entries on my Equifax credit report. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I am disputing the following items on my Experian credit report : Charged-Off Accounts EX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
Dear XXXX, I am a consumer who is attempting to improve my credit by disputing the following items on my credit report. The details of the disputed accounts are outlined below, separated by bureau. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Inquiries XXXX XXXX  XXXX Date : XX/XX/XXXX Late Payments These late payments appear on all three bureaus. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I just noticed today that it has been closed. It was my last credit card I ever had. I always paid it on time and look what they have done. They closed my last credit card and I hate these XXXX so much. They did this to me. Thats because I tried to paid them several times doesnt mean they have to close it. Im very angry with these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MO

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 response to consumer: Closed with explanation