vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I need your help to delete unauthorized accounts from my credit report. I did not authorize them and received no notice. In line with USC 1681g, please remove them within 15 days. Documentation is included.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NE

Complaint narrative:
On XX/XX/25 I deposited a check into my savings account. After this was deposited the bank sent me a letter dated XX/XX/25 stating that there was a hold placed upon the funds. Due to the circumstances of my receiving said check i was suspicious ofthe check as well. I never tried to retrieve the funds and even contacted the bank to insure that neither i nor the bank would lose any money on this transaction. On the XXXX the bank froze my account without any warning or prior contact. On XX/XX/25 the bank generated a letter that was then post marked on XX/XX/25. This letter says that my account was closed due to violation of the deposit account agreement. It also informs me that I will receive any funds within 15 business days. I was told when I contacted the bank that the department that deals with this is not contactable by voice lines and that I have to wait 10 business days for return of my funds. The letter says 15 business days. This imposes a very real problem in regards to funds for rent, medical care and other necessities of life along with the fees that I have incurred due to " bounced '' checks. When all was exercised in good faith of the banking relationship that I have had for over 5 years.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged in XX/XX/XXXX for {$1300.00} at an XXXX XXXX in XXXX Georgia from my JP Morgan Chase credit card. I was also charged {$1100.00} on XX/XX/XXXX at another XXXX XXXX in XXXX XXXX New York with the same card. The day I noticed that the transaction has been done was the same day I reported it on the XXXX. Id noticed the one on the XXXX on the XXXX as well. I called Chase Credit Card and they said the transaction was done in person. I let them know that was impossible because I was in XXXX and had been. When I called it in, I was having dinner in XXXX. After a couple of months, I saw my claim had been denied because they claim that I made the purchases and I never did. I have proof within the same Chase card that I was in XXXX on the XXXX because I made purchase with the card. They have denied my claim after asking for a second review. I have always had the card in my possession and I have always been in XXXX and have never purchased anything at the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
Complaint re : XXXX XXXX XXXX XXXX XXXX XXXXXXXX location and Aldous & Associates In late XXXX, I sustained a shoulder injury and was later XXXX  twice for XXXX  XXXX. Under CT Gen. Stat. 21a-219, I have the right to cancel a health club contract without penalty when medically unable to use services. I provided medical documentation to XXXX XXXX, and their staff verbally confirmed both my membership and my husbands were cancelled. 

Without warning, both accounts were sent to Aldous & Associates for collection. When I disputed the debts in writing, Aldous provided contracts as proof that neither myself or my husband had seen previously, nor had we signed anything mine contained a scribble that is not my signature, and my husbands had only a dash where a signature should be. These fabricated documents also list incorrect personal information and inconsistent amounts owed. 

This is an attempt to collect a debt not owed, misrepresentation under the FDCPA ( 15 U.S.C. 1692e ), and a violation of Connecticuts consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 letter serves as a formal Cease and Desist under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which restricts communication from debt collectors without my consent. I am exercising my legal right to request that you immediately cease reporting and remove any and all collections and charge-off accounts appearing on my consumer credit file that are inaccurate, unverifiable, or otherwise in violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, you are required to ensure that all information you report is accurate and verifiable. If you can not provide documented proof from the original creditor validating the accuracy, legitimacy, and legal standing of these debts, you must remove them immediately.

The accounts in question are : XXXX XXXX XXXX XXXX No account number given ( violation ) Date opened XX/XX/year>XXXX  Failure to comply with this request within 30 days will be considered a willful violation of the FDCPA and FCRA, and I will pursue legal remedies including complaints to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and civil litigation for statutory damages, as this is a form of collection. 

This is your notice to remove these accounts from my credit report immediately. Continued reporting of unverified or invalid debts constitutes defamation of character, negligent misrepresentation, and violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
As of today, XX/XX/2025 I received an email from XXXX XXXX XXXX, threatening to forward my account and debt information to an attorney and were going to sue me and take me to XXXX  if I did not comply. The debt is from like XXXX or XXXX years ago. And I have tried to tell them I do not have a job or income and can not make money come out of my XXXX. But yet they refuse to listen and acknowledge that I literally am broke and have nothing and now were threatening to forward my account to an attorney and sue me and take me to XXXX. That is why Im filing this complaint because this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute through the CFPB regarding an inaccurate Discover Bank account on my credit report. In my dispute letter, I requested full legal validation of the account, including a signed contract, itemized billing statements, proof of ownership or assignment, evidence of the right to report to the credit bureaus, and IRS Form 1099-C if the debt was charged off, per IRS Code 6050P. 

On XX/XX/year>, Discover sent me a letter requesting my Social Security number and account information. I had already provided this information in my original CFPB complaint, and I resent it to them by their requested 15-day deadline. Despite this, as of XX/XX/year>, more than 30 days since my original dispute, Discover has not provided any of the requested documentation or legal validation required under FCRA 1681i ( a ) and FDCPA 809 ( b ). 

Under FCRA 1681i ( a ) ( 5 ) ( A ), if the company can not verify the account within the statutory timeframe, I request the deletion of this account from my credit report. I am requesting that the CFPB compel Discover to provide full validation immediately or remove the account from all of my credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I started a claim thru PayPal about a seller not providing the product and ghosting. It was a XXXX dollar deposit for a XXXX XXXX. I have written confirmation of the seller agreeing to cancel the sale, and proof of the seller not responding on the messaging app we were talking about the sale on. I told PayPal that the seller agrees to cancel the sale and they are still holding the funds despite agreement on both parties, and are not willing to escalate to a claim and are saying their policy is to wait 7 days till its completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute inaccurate and unverifiable address information currently appearing on my credit report.

Upon reviewing my credit file from the nationwide consumer reporting agencies, I found multiple addresses listed that are either outdated, incorrect, or completely unknown to me. These addresses are not and have never been my current or previous residences, and their presence on my credit report may lead to identity theft concerns, misrepresentation of my credit history, and potential harm to my creditworthiness.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I request that you : 1. Identify the source of each disputed address.

2. Provide documentation verifying my direct association with these addresses.

3. Remove all addresses that can not be verified as legitimate past or current residences of mine. 
4. Update my credit file to reflect my correct and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosed with this letter, I have included : * A copy of my government-issued ID * Proof of my current address ( utility bill/bank statement ) * A copy of my credit report highlighting the disputed addresses As required by the FCRA, please complete XXXX investigation within 30 days and provide the results in writing. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-08-09 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: FL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute inaccurate and unverifiable address information currently appearing on my credit report.

Upon reviewing my credit file from the nationwide consumer reporting agencies, I found multiple addresses listed that are either outdated, incorrect, or completely unknown to me. These addresses are not and have never been my current or previous residences, and their presence on my credit report may lead to identity theft concerns, misrepresentation of my credit history, and potential harm to my creditworthiness.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I request that you : 1. Identify the source of each disputed address.

2. Provide documentation verifying my direct association with these addresses.

3. Remove all addresses that can not be verified as legitimate past or current residences of mine. 
4. Update my credit file to reflect my correct and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosed with this letter, I have included : * A copy of my government-issued ID * Proof of my current address ( utility bill/bank statement ) * A copy of my credit report highlighting the disputed addresses As required by the FCRA, please complete XXXX investigation within 30 days and provide the results in writing. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: MA

Complaint narrative:
Back in XXXX I asked National Debt Relief to seek a best final offer from my credit debt account with XXXX. Spoke with Supervisor XXXX XXXX at National Debt Relief ( NDR ) to reach out on my behalf and use my {$5500.00} dedicated savings account with their XXXX party company XXXX. No returned communication was received from NDR and subsequently they informed me a settlement offer with XXXX XXXX. They took the balance of {$5200.00} out of my bi-weekly payments of {$350.00} as they said were " settlement fees! '' for the offer from XXXX XXXX. That money of $ XXXX was more than enough money to obtain an offer from XXXX to settle the account. NDR stated they reached out to XXXX, but XXXX through Attorney XXXX of XXXX XXXX XXXX sent me a anotice that a small claims court action was started due to " lack of contact on my account. '' NDR 's XXXX XXXX stated that they reached out to XXXX to start negotiations, but they lied. NDR lied as was verified by Attorney XXXX XXXX of XXXX XXXX XXXX confirmed that NDR never made contact to settle my debt. 
I will attach backup of my efforts to seek relief and restoration of my funds so that I may actively represent my self with final debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I am unable to access my account on my device or any other device. I attempted a different browser and the mobile app they offer. I don't have a VPN on and I'm still unable to access my account. The agent who was helping me saw no issues but proceeded to forward the issue by having me submit a letter to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I am filing this complaint because Equifax is reporting inaccurate and contradictory information for my XXXXXXXX XXXX XXXX account ( Account No. XXXX ). 

Equifaxs reporting does not match the original creditors verified records and is inconsistent with the other credit bureaus. For example, Equifax reports OK for XXXX and XX/XX/XXXX, while both XXXX  and XXXX  report late payments for those same months. Conversely, Equifax reports 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, while the other bureaus report those months as OK. 

Additionally, Equifaxs Date of Last Activity ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) are outdated and differ by more than six months from the other bureaus records, creating a misleading credit history. These dates do not match the creditors verified records. 

The pattern of late payment reporting appears to involve possible improper re-aging or retroactive coding of delinquencies, which is prohibited under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards. Equifax has also failed to mark the account as in dispute, in violation of FCRA 623 ( a ) ( 3 ).

These inaccuracies violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ). I have already disputed this information directly with Equifax, requesting a full investigation and the Method of Verification, but the errors remain uncorrected.

This inaccurate reporting is harming my credit profile, and I am requesting that the CFPB require Equifax to delete all late payments, correct the key dates, update the account to Current with no inaccurate historical delinquencies, and provide documentation from the original creditor to support their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
my personal information was involved in XXXX XXXX data breach and these accounts are affected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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 am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX XXXXor ( Account Name XXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) [ Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " XXXX, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief