vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this third-round complaint because my credit report with EXPERIAN continues to contain inaccurate personal information, including unauthorized name variations and invalid addresses, that I did not authorize, provide, or recognize. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report, along with my identification, Social Security, and proof of current address to support my claim.

I have identified multiple unauthorized name variations and outdated addresses listed on my credit report that do not belong to me. 

My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Proof Attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that you update and correct my personal information to reflect only accurate and verifiable data as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * JPMCB CARD * * Regarding : * * JPMCB CARD Account no : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way JPMCB CARD is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by JPMCB CARD - The account reported positively for a period of time.

- After I became delinquent, JPMCB CARD charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice.

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 
XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) / Regulation V To Whom It May Concern, I am submitting this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V, by Equifax, Experian, TransUnion.

On XX/XX/year>, I discovered that inaccurate information was being reported on my credit report, the company failed to investigate a dispute. 

As required by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all information is accurate and verifiable. 15 U.S. Code 1681E- Compliance procedures. 

Account Name : 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 Failure to investigate a dispute , continued reporting of inaccurate data, unauthorized access to credit file, failure to provide notice of negative information. Denial of credit, increased interest rates, emotional distress. I am aware that the CFPB has issued a final rule amending Regulation V, reinforcing consumer protections under FCRA. The company 's failure to comply with these provisions is not only harmful to me personally but undermines the intent of these federal protections. 

I request a full investigation and ask that the furnishing entity provide documentation, such as billing statements, to support the reported late payments. If they can not provide this evidence, I request that the information be corrected to reflect my actual payment history. I also request to have only XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX to reflect on my credit profile. The only address associated with me is XXXX XXXX XXXX XXXX XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) / Regulation V To Whom It May Concern, I am submitting this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V, by Equifax, Experian, TransUnion.

On XX/XX/year>, I discovered that inaccurate information was being reported on my credit report, the company failed to investigate a dispute. 

As required by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all information is accurate and verifiable. 15 U.S. Code 1681E- Compliance procedures. 

Account Name : 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 Failure to investigate a dispute , continued reporting of inaccurate data, unauthorized access to credit file, failure to provide notice of negative information. Denial of credit, increased interest rates, emotional distress. I am aware that the CFPB has issued a final rule amending Regulation V, reinforcing consumer protections under FCRA. The company 's failure to comply with these provisions is not only harmful to me personally but undermines the intent of these federal protections. 

I request a full investigation and ask that the furnishing entity provide documentation, such as billing statements, to support the reported late payments. If they can not provide this evidence, I request that the information be corrected to reflect my actual payment history. I also request to have only XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX to reflect on my credit profile. The only address associated with me is XXXX XXXX XXXX XXXX XXXX, GA 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I contest the validity of accounts listed in my credit history that I did not authorize. Kindly examine this matter in detail and expunge them. Enclosures are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-08 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Unifin Inc.
State: HI

Complaint narrative:
XXXX Wednesday I received a letter from Unifin Inc which stated they were representing XXXX for an outstanding debt. ( Note : I filed a complaint against XXXX as this will be the second time another collection agency, the first was TruAccord, contacted me attempting to collect on this exact same debt from XXXX chain of contact in order starts with XXXX, XXXX, and now Unifin )... I contacted XXXX XXXX by email, spoke with XXXX XXXX XXXX, our entire email conversation history is included as an attachment with this complaint, Unifin was without question or debt paid the amount for this collection to resolve, close, and remove the XXXX collections from my credit reports, however after making the payment by debit, ( Bank of Hawaii receipt and screenshot of the Unifin website after I made the payment showing the debt is paid in full ), XXXX XXXX XXXX will not reply to my emails requesting him to do Exactly as he Promised and resolve, close, and remove the XXXX collections from my credit reports XXXX XXXX XXXX has magically and conveniently disappeared after taking my payment Unethical, Immoral, and XXXX as well as XXXX need to take accountability for whom they sell a consumers debt to as it does not eliminate responsibility/accountability on their behalf selling consumer debt to known Collections Company such as Unifin Inc and XXXX who commit fraud. Do the right thing Unifin Inc, ( XXXX XXXX XXXX XXXX, XXXX, and remove your collections from my credit reports as XXXX XXXX XXXX clearly promised in his written correspondence with me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Please consider this a formal request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for full validation and verification of this debt, including all documentation supporting your legal right to collect it.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further communication with me regarding this debt until the requested validation is provided.

Specifically, I am requesting the following : Debt Validation, including : The amount of the alleged debt ; The name and address of the original creditor ; A complete itemized accounting of the alleged debt and how the amount was calculated. 
Proof of Assignment or Legal Ownership, including : A copy of the original contract or agreement bearing my signature ( if applicable ) ; Documentation demonstrating that the alleged debt was legally assigned or sold to your agency ; The complete chain of title for the debt, showing ownership from the original creditor to your agency. 
Proof of Your Legal Authorization, including : Evidence that you are licensed or otherwise authorized to collect debts in the state of [ MI ] ; Any license or registration numbers applicable to your collection activity in my jurisdiction. 
Under 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this debt is properly validated. Under 15 U.S.C. 1692c ( c ), I am further requesting that you cease all communication with me unless and until you provide proper validation of this debt. 
If you can not provide all requested documentation, you must immediately stop all collection efforts and cease any reporting to the credit bureaus. 
Please respond to this request in writing only. I also request that all future communications regarding this matter be made in writing and sent to the mailing address listed above.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My Zelle was deactivated without my consent. account : XXXX. No explanation was provided. No explanation as to why my account was disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Google Compare Credit Cards Inc.
State: OK

Complaint narrative:
my XXXX XXXX  was deleted on XX/XX/XXXX. this is the message i get. 

Your channel wont be put back on XXXX at this time We've taken a careful look at your channel again, and confirmed that it violates our Spam, deceptive practices and scams policy. We recognize its disappointing news, but our goal is to keep the XXXX community safe and supported. Currently, your channel does not have access to XXXX XXXX  XXXX  to apply for a new channel. Please stay tuned. 

i have contacted google to stop charging my debit card. yet they continue to charge me for XXXX claiming they wont this is the notice of future charge. 

Premium Renews on XX/XX/2025 here is the charge in XX/XX/2025. 

Transaction details XXXX XXXX  {$13.00} Date Time XXXX, XX/XX/XXXX XXXX Item Price ( USD ) XXXX XXXX  {$13.00} Subtotal {$13.00} Total {$13.00} google supended my account, provided a generic reason for that, and is still billing me for premium services. 

they need to stop billing me for services i am not receiving. that XXXX account had evidence needed in a corruption case. it is now not available. 

i need to keep the following services as i still have data i need. 

Google XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Google XXXX ) - {$9.00} Google XXXX XXXX XXXX  XXXX XXXX  days ( XXXX  ) - {$29.00}

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-10-08 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: PA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
Today, I received two notifications that my credit report had been accessed. 

As I did not apply for Credit, nor am subject to any Court Order, I investigated further and identifed that StateWide Credit Services ( XXXX ) XXXX ran my report, as well as my wife 's report. 

When I called StateWide, they confirmed they ran my report ( as well as my wifes ) and threatened to sue me for an old medical debt, for which we have repeatedly requested additional information. 

Any time we have been contacted via phone related to this claim for unpaid monies, we have repeatedly requested more information regarding the date of services, the response from our insurance provider, and the authorization to run an x-ray of our son 's teeth. 

This is a debt from a pediatric dentist where they claim an x-ray was taken, and not covered by our insurance. We never asked for the x-ray, nor do we have any addiitonal information about the debt, other than what they told us over the phone. 

This inquiry will damage my credit, as well as my wifes and the threat of lawsuit seems preposterous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax report, XXXX XXXX is still reporting a {$6500.00} balance as a charge-off, and active even though this debt was discharged in bankruptcy on XX/XX/year>. They continue to report false payment activity after the discharge date for ( XXXX ) years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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