vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
See complaint XXXX I do not know what this charge is for. I have never had service from this XXXX  provider. 
I have never seen any details of this amount- have no knowledge what it is for, when or where. This is not my charge. I have disputed multiple places and multiple times and i still have no documentation or proof of this charge. 
Charge is invalid and no mine. 
No attachments because i have nothing - never got any bill or letter or any communication.

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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccurate and unauthorized items reported on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies have caused significant harm to my creditworthiness and financial standing. CFPB review is requested to ensure full reinvestigation and correction of all items below. 

Account XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance Owed : {$18000.00}, Chargeoff This account is inaccurately reported as a charge-off. Prior disputes have been ignored, violating FCRA Sections 607 ( b ) and 611. I never received verification of the debt or proper validation. The balance and status are unverified and misleading. Reporting this item inaccurately harms my XXXX XXXX and financial reputation. Federal law requires that unverifiable information be removed promptly. There is no evidence confirming that this charge-off is accurate. The continued reporting demonstrates failure to comply with FCRA obligations. This account misrepresents my payment history and misleads potential lenders. I am entitled to full reinvestigation and removal if unverifiable. The account impacts my ability to obtain credit. Prior correspondence has been ignored, which is a violation of Sections 609 and 611. This inaccurate charge-off is XXXX  and misleading. Immediate correction or deletion is required. Continued reporting without validation is illegal. My rights under federal law are being ignored. 

I demand that the CFPB review each item, enforce accurate verification, and ensure deletion of all unauthorized inquiries and unverifiable charge-offs. These violations of FCRA and FDCPA have caused undue harm to my financial reputation, and I request that CFPB intervene to guarantee compliance, reinvestigation, and removal of all inaccurate, unauthorized, or unverified items.

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 2025-10-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-02 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: CA

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies on my credit report. Accounts are misreported as charged off : XXXX XXXX XXXX XX/XX/XXXX( {$340.00} ), XXXX XXXX XX/XX/XXXX ( {$710.00} ), and XXXX XXXXXX/XX/XXXX( {$2900.00} ). A collection account XX/XX/XXXXXXXX * ( {$730.00} ) is also being reported inaccurately. In addition, numerous inquiries appear on my report that I did not authorize, including but not limited to : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These items violate FCRA 611, 623, and 607 ( b ), as they are not accurate, verified, or authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies on my credit report. Accounts are misreported as charged off : XXXX XXXX XXXX XX/XX/XXXX( {$340.00} ), XXXX XXXX XX/XX/XXXX ( {$710.00} ), and XXXX XXXXXX/XX/XXXX( {$2900.00} ). A collection account XX/XX/XXXXXXXX * ( {$730.00} ) is also being reported inaccurately. In addition, numerous inquiries appear on my report that I did not authorize, including but not limited to : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These items violate FCRA 611, 623, and 607 ( b ), as they are not accurate, verified, or authorized.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$4000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$130.00} Account Name : XXXX Account Number : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$370.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$6500.00} Account Name : XXXX XXXX Account XXXX : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$320.00} INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and fraudulent. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Incorporated
State: WI

Complaint narrative:
Every day I get between XXXX phone calls all from different numbers from some Company called Capital Recovery and it is just a message saying " this is capital recovery, and we have an important matter we need to talk to you about, press on to connect with rep. '' I press one and it immediately hangs up so I don't know what they are calling about or who it is for ... one time it went to a voicemail, and I did leave a message that they never answer and how am I supposed to know what they are inquiring about? I have never received mail from them. When I went online to look up capital recovery and communicate with them that company stated that I am not in their file and to contact you. I have tried using the block number but since they call from many different numbers that does not work, and because no one every answer I can not tell them to stop calling me. They call so many times a day that I want to shut my phone off but for job purposes I can not, and they will call literally every XXXX minutes with about XXXX calls. It is getting very frustrating I have kept my voicemail at its full capacity because of all the calls.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6600.00} DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$8600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$660.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$59.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-10-02 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover card read to me what XXXX XXXX XXXX they claim I owe for publishing my book. They are sending me the paperwork. The dispute is to do with costs for publishing the book. The book was published XX/XX/XXXX. They said the amount charged was printing! XXXX copies to be placed on XXXX XXXX XXXX book shelves. I found out from XXXXXXXX XXXX XXXX that this is a scam and they don't use XXXX party to place book on their shelves. I sent all documentation to Discover card disputing the amount. My book was written in XXXX and paid for their services. The book was on the market XX/XX/XXXX. I told the bank that what they claim I owe for publishing, proof reading, multi media platforms, custom book cover design, author profile on XXXX. was paid in XXXX not in XXXX. They closed the case for a while and now is in favor of the XXXX XXXX XXXX. 
This publisher changed their story to collect on what I mentioned so they could scam me. 
I also charged {$5000.00} to XXXX XXXX  fighting the same issue. So I have been scammed {$8000.00}. I need your help resolving this issue. Thank you Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I was behind a couple months on payments because I was injured at the workplace and could not work. I set up a payment plan with Chase to get my card on track. The payment plan was meant for my card to remain open, allow me to get caught up, and resume making regularly monthly payments. They randomly closed that account even though I had been making all my payments, they refused to tell me why they closed the account, they even had in their notes for their customer service to not tell me why they closed the account. Then, they proceeded to pull money out of my bank account to pay for a card that they closed on after breaking their promise. I asked for refund on that payment because I did not agree to pay on a card that was closed, they denied me the refund, i asked for the notes from our phone call logs, they denied me those as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off. 
2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute to Equifax requesting correction of my personal identifying information. I provided my drivers license, passport, divorce decree, and proof of address. 
On XX/XX/XXXX, Equifax issued dispute results ( Confirmation # XXXX ) but refused to correct my name. Instead, they demanded that I submit a Social Security card, which is not required under the Fair Credit Reporting Act ( FCRA ). 
FCRA 607 ( b ) requires Equifax to ensure maximum possible accuracy, and 611 ( a ) requires them to reinvestigate and correct errors when consumers provide proof. Despite having sufficient documentation, Equifax continues reporting multiple incorrect name variations. 
These errors have harmed me. During my lease renewal in XXXX, the name inconsistencies caused delays and unnecessary scrutiny. The continued inaccuracies have also resulted in higher costs and ongoing stress. 
I am requesting that Equifax accept the documentation I already provided, correct my file so only my legal name is reported, and stop requiring unnecessary documents not required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing a complaint against Experian for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and CFPB furnishing rules. 

Accounts in Question : Auto Loan Opened XX/XX/XXXX Charged Off XX/XX/XXXX Still showing late payments through XXXX. 

Auto Loan Opened XXXX XXXX, XXXX Charged Off XX/XX/XXXX Still showing past due as of XX/XX/XXXX. 

Deposit Account Opened XX/XX/XXXX Charged Off XX/XX/XXXX Still showing past due as of XX/XX/XXXX. 

Why this is a violation These accounts are reported as closed/charged off, yet Experian continues to show new late payments, updated balances, and past due amounts years after the accounts were closed. This is factually impossible and constitutes false and misleading reporting.

This violates : FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must assure maximum possible accuracy.

FCRA 15 U.S.C. 1681s-2 ( a ) : Furnishers must not report inaccurate or misleading information.

FCRA 15 U.S.C. 1681i : Disputed information must be corrected or deleted.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deleted information may not be reinserted without certification and notice. 

12 CFR Part 1022, Subpart E ( CFPB rules ) : Furnishers must ensure accuracy and integrity.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TreeMac Funding Group, LLC
State: TX

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 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may 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 response to consumer: Untimely response