vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
Inaccurate fraudulent account on my credit report. Account number XXXX XXXX. On my credit report it shows that this account has been opened since XX/XX/year> with good payment history until a late payment in XXXX but I NEVER made a single payment to this creditor. I check the date of last payment for this account and its showing unknown and/or missing information but somehow my payment history is good and on-time with XXXX in the months of XXXX, XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
I am submitting this complaint for the inaccurate and improper reporting of a collections account listed on my credit report. The account is being reported, I have never received any prior notice of this alleged debt, and I have no knowledge or recollection of ever owing this balance.

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 2025-06-03 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: LA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 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: MI

Complaint narrative:
I am submitting this formal rebuttal to Equifax 's investigation results. The response provided is inadequate and fails to meet the verification and reinvestigation standards under the Fair Credit Reporting Act ( FCRA ), specifically : 1. Violation of FCRA 1681i ( a ) Improper Reinvestigation Equifax claims these accounts were " verified, '' but failed to provide : A description of the procedure used to verify ( required under 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Any documentation from the original furnishers showing proof of my liability No signed consumer contracts or full investigation documentation was presented Merely contacting the furnisher and accepting a digital confirmation is not a sufficient reinvestigation under federal law. Without original documentation ( contract, payment history, validation ), any claim of " verification '' is unsubstantiated.

2. Above Lending No Contract, Inconsistent Data Above Lending continues to report data, yet never produced a signed agreement or original proof of authorization. The reporting across bureaus is inconsistent, violating 623 ( a ) ( 1 ) ( A ) of the FCRA and 1681e ( b ) requiring maximum possible accuracy.

3. Lead Bank Demands Burden Shift to Consumer Equifax states I must provide documentation proving I don't owe the debt. This is legally incorrect. Under FCRA, the burden of proof is on the furnisher and CRA to prove the accuracy of the data, not on the consumer to disprove it. 

Failure to delete unverifiable data and improperly shifting burden violates both : 1681i ( a ) : Reinvestigation duty 1681e ( b ) : Duty to assure accuracy XXXX. XXXX XXXX XXXX XXXX Re-aging and Conflicting Data Equifaxs investigation allowed XXXX XXXX to update " historical information, '' but failed to address : Inconsistent charge-off and balance dates Monthly updates post-closure ( potential illegal re-aging ) No MOV or signed agreement provided If the account is closed and charged off, monthly updates are prohibited unless related to actual post-closure activity.

5. Procedural Deficiency & Breach Risk Equifaxs systems have been involved in several public data breaches  ( XXXX XXXX XXXX leak ). Reporting unverifiable data without proper revalidation, despite known security concerns, violates the duty to maintain consumer protection and accurate files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate XXXX payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: UT

Complaint narrative:
b"XXXX XXXX XXXX  this company called me and asked about setting up payment plan for XXXX XXXX comapny. They had bought their debt to collect for them from me. I agreed with me owing the total debt of XXXX I agreed to payment arrangements and I have done so. on XXXX XXXX they took out XXXX, then on XXXX XXXX  they took out XXXX and then on XXXX XXXX  they took out XXXX I had one more payment of XXXX left and I could not pay it until XXXX XXXX  when I get paid due to changing jobs and I could pay it then XXXX they said no it had to be paid TODAY. I called and asked about this and they told me that I had to pay that day or the contract was null and void. When I made this arrangement they never sent me anything confirming this either They are now telling me that I have to pay the full XXXX XXXX  AGAIN after I have already paid them XXXX. When asked to pay the rest of the balance XXXX XXXX  they told me I owed XXXX still and that I have to pay TODAY when I called on XXXX. I spoke to the manager XXXX XXXX XXXX who told me that they were going to sue me and send me to court if I didn't pay that amount of XXXX  and that is not what I owe. I have already paid this with the exception of the XXXX  dollars. They have called me repeatedly over 12 times in a 7 day period and called my mother and other family members after they were asked not to call them. Their response was well if you answer me then we wont bug your family and that they had the right to do that and they don't. I was laughed at, told I was XXXX and XXXX and told constantly to shut up when I was talking. The XXXX I was talking to was a lady named XXXX who was also very rude and told me oh well I needed to pay the full amount again cause that was the law and I know that is not true as I have already paid this to them except the XXXX  dollars that was left. They just now sent me an email threatning me in a letter stating that the debt is valid and that If I don't write or call them to pay the full XXXX they were going to take me to court and serve me papers and use a law office to take legal matters even though this is paid already. their name is XXXX XXXX XXXX also goes by structured settlement. their number is XXXX XXXX XXXX they also call from Nevada numbers as they are out of XXXX Nevada. I was very upset and insulted after being constantly called and I have proof of payments that I have made to them as well."

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 2025-06-03 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: AZ

Complaint narrative:
Please block and delete the unauthorized accounts from my credit report at your earliest convenience. I did not create or approve these accounts and have no knowledge of how they appeared. As outlined in XXXX XXXX, I am officially requesting their removal within the next XXXX  days. Attached are relevant documents for your review. Additionally, XXXX credit bureau is reporting different and inaccurate information for these accounts.

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 2025-06-03 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-03 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: CA

Complaint narrative:
On XX/XX/year>, there were XXXX charges on my Chase XXXX XXXXXXXX card from XXXX XXXX for {$700.00} and {$350.00} that I did not recognize nor authorized. I have disputed these charges and Chase Bank has issued a refund. In XXXX, I had received a notice from Chase that I was liable for these charges as XXXX has provided online receipts and I have been rebilled. I have contacted Chase Bank immediately, they told me to talk to XXXX. When I spoke with XXXX, they said they had a receipt for the XXXX XXXX purchases. I checked my XXXX XXXX XXXX account and I did not purchase nor receive any XXXX miles. XXXX refused to provide or trace the name of the recipient nor account that the miles went to. I called back Chase and shared what I learned from XXXX. Both companies kept asking me for evidence that I did not make the purchase, which I can not produce because I had no knowledge of the purchase. My dispute was declined and I have to pay the {$1000.00} charges I did not make. I have just reopened the case with Chase again but they told me they had an online receipt and they asked me for proof that I did not make the purchase. I am being held responsible without transparency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX  CDT, I received a harassing phone call from XXXX XXXX ( claiming her supervisor is XXXX XXXX ) regarding my PNC mortgage account. 

In XXXX, we inquired about a loan modification due to my XXXX  following a mass reduction-in-force. We ultimately did not agree to the proposed terms and therefore did not return the modification paperwork. Since then, we have continued to make all required monthly mortgage payments on time, typically on the XXXX or XXXX of the month, directly from our PNC checking account, as we have done for over ten years.

During the call, XXXX XXXX repeatedly asserted that our loan was not being paid, which is factually incorrect. This was a clear attempt to harass and gaslight me regarding an account that is, and has consistently been, paid as agreed.

I am deeply concerned by this false information and the harassing nature of XXXX XXXX ' call, especially given that our PNC mortgage payments are current and have never been late. I request an immediate investigation into this matter and assurance that such unwarranted and misleading communication will cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I booked a hotel through XXXX and bank ended up charging me 3 different exchange rates. I wasn't aware bank would do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I was alarmed to find these inaccurate XXXX payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
XXXX FDCPA ( XXXX XXXX. XXXX ) : Requires debt XXXX to provide written notice with specific details, implying effective delivery and consumer receipt. 

I did not receive any notices from the XXXX and they have charged an administration fee for a collection that was paid to the XXXX XXXX XXXX XXXX directly in the course of discussions of payment. XXXX XXXX  and Associates NEVER had any communications with me. They charged this fee because the water company inadvertently sent to collections, although were satisfied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation