vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my credit report from Equifax. These accounts are inaccurately reported and require a thorough investigation and correction. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$75.00} XXXX, XXXX, XX/XX/XXXX, {$360.00} XXXX XXXX XXXX, XX/XX/XXXX, {$590.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$260.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$440.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$440.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payment Accounts : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
Review the materials given ; the questions were submitted suddenly and may lack authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NM

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report. I believe there are inaccuracies that need to be corrected based on the Fair Credit Reporting Act ( FCRA ). Please find the details of my disputes below : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$7200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$640.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$220.00} Positive Accounts : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 complaint as a victim of identity theft. Multiple fraudulent accounts have been reported on my credit files with Experian, XXXX, and XXXX XXXX did not open, authorize, or benefit from any of these accounts. 

I have submitted Identity Theft Reports, including my government-issued ID, proof of address, and FTC Identity Theft Affidavit, to each bureau. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are required to : Block and delete fraudulent information within 4 business days Notify furnishers and prevent any reinsertion Cease reporting or selling the fraudulent data to third parties Despite my identity theft submission, the fraudulent accounts remain on my credit report, causing ongoing damage.

This is a direct violation of FCRA 605B, which mandates immediate blocking of identity-theft-related information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing multiple inaccurate and unverifiable items in my TransUnion credit file dated XX/XX/year>. 
My report contains incorrect addresses, unauthorized phone numbers, mixed-file data, and multiple accounts that violate the Fair Credit Reporting Act ( FCRA ).

Despite prior disputes, TransUnion failed to conduct a reasonable reinvestigation as required by 15 USC 1681i and XXXX  v. TransUnion.

Inaccurate personal information : TransUnion is reporting numerous addresses and phone numbers not associated with me, including addresses in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This may indicate identity issues or mixed files.

This violates FCRA 1681e ( b ) and 1681c-2.

Account-level violations : TransUnion is reporting multiple XXXX XXXX XXXXXXXX and XXXX accounts with contradictory , incomplete, and Metro-2 noncompliant information, including double-reporting of charge-offs, post-charge-off past-due amounts, and inconsistent payment history.

TransUnion refuses to correct or remove information that furnishing companies can not validate, which violates : FCRA 1681i ( a ) failure to reinvestigate FCRA 1681e ( b ) failure to assure maximum accuracy FCRA 1681n willful noncompliance I am requesting that CFPB require TransUnion to : 1. Conduct a fresh, independent, reasonable investigation 2. Provide the method of verification 3. Remove any unverifiable or inaccurately reported accounts 4. Remove all incorrect addresses and phone numbers This inaccurate reporting has caused financial harm, credit denial, and adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank significantly reduced my credit limit without prior notice immediately after I paid off my account balance, and they failed to provide any reasonable resolution despite multiple contact attempts. Their actions have negatively affected my credit score and left me with only two unreasonable options : pay a {$95.00} annual fee for a {$500.00} credit line or close the account, which would further harm my credit.

Details of the Complaint : I had a Chase credit card with a credit limit of approximately {$12000.00}. I recently paid off the full balance of around {$13000.00}. Approximately one week after paying off the account in full, Chase reduced my credit limit from {$12000.00} to {$500.00} without providing any prior notification, explanation, or warning.

This sudden and drastic credit line decrease has significantly harmed my credit score due to changes in my credit utilization and overall available credit. 

After noticing the change, I contacted Chase multiple times. Each representative told me they could not assist or provide a clear explanation for the reduction. No one could offer meaningful support or a path to restoring my previous credit limit. 

Because my card carries a {$95.00} annual fee, I attempted to downgrade the account to a no-annual-fee option. Chase refused to allow a downgrade and stated that I would need a minimum {$5000.00} credit limit to be eligible. Since Chase had already reduced my limit to {$500.00}, they gave me only two unreasonable options : 1. Continue paying a {$95.00} annual fee for a credit limit of only {$500.00}, or 2. Close the account, which would further damage my credit score. 

Chases actionsreducing my credit limit without notice shortly after full repayment, refusing to restore the limit, refusing to downgrade the account, and providing no realistic alternativeshave caused financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
hello i found XXXX unauthorized fraudelent inquiries on my credit report.please help me to remove those unathorized inquiries from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding an incorrect account reporting on my credit report by XXXX XXXX XXXX. This debt is from a rental property I had in XXXX, but the company is reporting the account as opened in XXXX, which is inaccurate. 

I have disputed this information with the credit bureaus multiple times, but each time the item comes back as verified even though the date is not correct. Because the date is being misreported, this account is staying on my credit report longer than it should, and it is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: FL

Complaint narrative:
Albert has repeatedly and unlawfully withdrawn money from my XXXX XXXXXXXX XXXX checking account even though my account limit is {$300.00}. Since late XX/XX/year>, Albert has taken or attempted to take a total of {$2300.00} from my account. These withdrawals were done under different merchant names ( such as PMNT SENT, Albert Smart Mon, and Albert XXXX ) to avoid stop payments and make it harder to trace. 

This entire issue began because Alberts own support team told me to dispute a repayment to access funds they were holding. I followed their exact instructions, filed the dispute, and won. My bank investigated and confirmed that Alberts withdrawal was invalid and refunded my money. Instead of honoring that decision, Albert continued to pull money from my account, claiming I still owed them, even after admitting they failed to process my extension request.

I have asked Albert for their written dispute policy at least three times it was never provided. I also requested a repayment extension before my due date, and that was ignored. Albert has now forced me to pay back money from disputes I legally won. They have re-labeled transactions, repeatedly withdrawn without consent, and ignored direct stop payments from my bank. This is fraud, deception, and a violation of the Electronic Fund Transfer Act ( Regulation E ).

Alberts actions have caused my account to go negative, disrupted my bills, and directly interfered with my ability to afford essential needs. I currently have four active disputes with XXXX XXXX XXXX related to these withdrawals, and I can prove that Alberts staff instructed me to file the original dispute that started all of this. 

I am demanding the following : 1. Immediate full refund of {$2300.00} representing all unauthorized withdrawals and attempted debits.

2. Written confirmation that my Albert account is permanently closed and that no further debits can occur.

3. Complete documentation of all repayment activity, internal notes, and communications related to my account. 
4. A full copy of Alberts official dispute policy and written explanation for why my extension request was ignored.

5. A federal investigation into Alberts repeated merchant-name changes, double collections, and unauthorized debits after valid dispute rulings.

I have attached screenshots, dispute letters, transaction history, and chat logs proving these facts. Alberts actions show a clear pattern of negligence, bad faith, and intentional deception. I expect full reimbursement of {$2300.00}, XXXX $ for distress confirmation that my account is closed, and a formal investigation into this misconduct.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report. I believe there are inaccuracies that need to be corrected based on the Fair Credit Reporting Act ( FCRA ). Please find the details of my disputes below : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$7200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$640.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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