vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX  Charged off as bad debt Bureau Remarks : Charged off as bad debt Im paying loan payments on a loan that was charged off snd the company xharged me numerous times for insufficient funds but never once now they are collecting the payment when they charged off the acct please remove from my credit report

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 2025-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I recently received an American Express gift card, but unfortunately, it has been declined at nearly every place Ive tried to use it. Many merchants no longer accept Amex prepaid gift cards, and Ive had no success using it either in-store or online. Because of this, I am unable to access the remaining balance on the card. 

I have already reached out to Amex prepaid card customer service five separate times, and each time I was told to contact the merchant. However, when I contact the merchant, they advise me to reach out to the card company. This has created an endless loop of back-and-forth without a solution, leaving me unable to use the funds. 

Rather than having the funds go to waste, I am kindly requesting a refund of the remaining balance in the form of a check. This would allow me to actually utilize the value of the gift card, which I greatly appreciate receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed multiple addresses and jobs I never worked or lived at.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-09-12 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Fraudulent Accounts : XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account initially went negative because of a dispute I filed which was not verified correctly and not found in my favor. Afterward my son ( a minor ) survivor benefits from the social security administration, started going into the negative account. Chase is refusing to reverse or provide a check for these payments even after I explained i am only the payee and these payments are my sons for a case involving his deceased father. His payments should not be affected because of what is going on with my account. They are now allowing his payments to cover fraudulent activity done on my account. The account should have been closed by now because of the restriction due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-12 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: FL

Complaint narrative:
Re : Formal Dispute of XXXX  XXXX Account Reporting Violation of 15 U.S.C. 6802 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX | Status : Charge-Off Experian Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX | Status : Charge-Off TransUnion Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX | Status : Charged Off as Bad Debt I am formally disputing the reporting of the above-referenced XXXX  XXXX account as it appears on my Equifax, Experian, and TransUnion credit reports XXXX 

This reporting constitutes a direct violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), which prohibits financial institutions from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without the consumers express consent. I have never authorized XXXX XXXX, nor any third party acting on their behalf, to disclose, re-report, or otherwise share this account information in a manner that negatively impacts my consumer report. 

The specific reporting dates in violation include, but are not limited to : Equifax : Opened XX/XX/XXXX | Closed XX/XX/XXXX | Reported as Charge-Off on XX/XX/XXXX Experian : Opened XX/XX/XXXX | Closed XX/XX/XXXX | Reported as Charge-Off on XX/XX/XXXX TransUnion : Opened XX/XX/XXXX | Closed XX/XX/XXXX | Reported as Charged Off/Bad Debt on XX/XX/XXXX By reporting and sharing this account without my express written authorization, XXXX  XXXX and the credit reporting agencies are unlawfully disseminating my private financial information in violation of federal law. 

Accordingly, I demand the immediate removal of this account and all related derogatory information from my credit files with Equifax, Experian, and TransUnion. Please provide written confirmation of deletion within 30 days as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

Failure to comply will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Re : Formal Dispute of XXXX  XXXX Account Reporting Violation of 15 U.S.C. 6802 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX | Status : Charge-Off Experian Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX | Status : Charge-Off TransUnion Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX | Status : Charged Off as Bad Debt I am formally disputing the reporting of the above-referenced XXXX  XXXX account as it appears on my Equifax, Experian, and TransUnion credit reports XXXX 

This reporting constitutes a direct violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), which prohibits financial institutions from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without the consumers express consent. I have never authorized XXXX XXXX, nor any third party acting on their behalf, to disclose, re-report, or otherwise share this account information in a manner that negatively impacts my consumer report. 

The specific reporting dates in violation include, but are not limited to : Equifax : Opened XX/XX/XXXX | Closed XX/XX/XXXX | Reported as Charge-Off on XX/XX/XXXX Experian : Opened XX/XX/XXXX | Closed XX/XX/XXXX | Reported as Charge-Off on XX/XX/XXXX TransUnion : Opened XX/XX/XXXX | Closed XX/XX/XXXX | Reported as Charged Off/Bad Debt on XX/XX/XXXX By reporting and sharing this account without my express written authorization, XXXX  XXXX and the credit reporting agencies are unlawfully disseminating my private financial information in violation of federal law. 

Accordingly, I demand the immediate removal of this account and all related derogatory information from my credit files with Equifax, Experian, and TransUnion. Please provide written confirmation of deletion within 30 days as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

Failure to comply will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

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 2025-09-12 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-09-12 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 disputed fraudulent accounts with TransUnion and included extensive supporting documentation, including an Identity Theft Report, my drivers license, proof of address, and my Social Security card. Despite this, TransUnion continues to report accounts that I do not recognize and that I have proven to be fraudulent. This is a clear failure to conduct a reasonable investigation and a violation of my rights under the FCRA.

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 2025-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am disputing a collection account reported by National Credit Adjusters , LLC ( NCA ) on my XXXX  credit report. The account stems from an alleged loan with XXXX XXXX but I do not have documentation proving that I owe this debt to NCA. 
I have filed multiple disputes with XXXX  requesting verification and supporting documentation. Each time, XXXX  marked the account as verified, but no actual proof has ever been provided to me. Specifically, I requested : A copy of the original signed contract or loan agreement with XXXX XXXX. 
Documentation proving that NCA legally owns or has the right to collect this debt. 
A complete payment history and accounting of the alleged balance. 
To date, neither XXXX  nor NCA has provided these materials. Without such documentation, this reporting is incomplete and inaccurate, in violation of the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). 
I am requesting that this account be removed from my credit report immediately since the furnisher has failed to provide proper verification and XXXX  continues to report the account without adequate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
My chime account is {$14.00} with chime without XXXX  or XXXX  and there customer service representative told me that " Yes it's against there policy to allow customers accounts to overdraft. Then they they wet on to say that I can resolve the issue if I deposit {$14.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Re : account number XXXX Portfolio Recovery Associates CLOSED ACCOUNT BALANCE {$490.00} XXXX  I am writing to dispute the accuracy of the information on my credit report regarding the above closed account. The account should state closed and paid in full due to XXXX XXXX selling my information to a debt buyer. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit file as soon as possible. 

I am also requesting a 15 U S code 1692c in regards to this matter. A copy of this letter is been forwarded to the CFPB.

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: AR

Complaint narrative:
So on XX/XX/XXXX I ended up contact the dispute department for my-wisely regard filing a dispute for a transaction that I noticed was unauthorized. As of now its been 8 business days since the dispute and yet the dispute is still in progress/under investigation and havent received any type of provisional credit or nothing when its almost gon na be the 10th business day which is on XX/XX/XXXX I also have the claim number of the dispute that I filed the claim number is XXXX. the amount of the transaction is {$200.00}. still havent received any update besides the dispute is still under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
You are reporting FRAUDULENT ADDRESS on my credit report. The addresses are XXXX XXXX XXXX, XXXX, GA XXXX. PLEASE DELETE/REMOVE INCORRECT ADDRESSES THAT ARE REPORTING ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

Company response to consumer: Closed with explanation