vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am writing to formally express my dissatisfaction with the quality of service I have received as a customer of XXXX and to request immediate action to resolve the issue. 

I have been a cardholder for several years and during that time, I have generally been satisfied with their services. However, recent experiences have prompted me to reconsider my association with this company. 

Over the past year I have experienced several issues that have caused significant inconvenience and frustration. 

Specifically : I contacted customer service and provided additional information but each time I was given no positive resolution since I was never contacted by any member. I submitted all supporting documents for my claim last year and was always denied a dispute when I was clearly entitled to a refund. They made no effort on solving my issue and showed no interest in supporting me as a customer. They denied my claim and told me to find a different solution Delays or lack of response from customer service. Upon review Im still paying for a ticket Difficulty in reporting or resolving disputes I find this level of service unacceptable and not in keeping with the standards I expect from a major financial institution. The company policy has been misleading. I am requesting that the following actions be taken : 1. A full investigation into the issues I had raised last summer 2. To comply with policies and services supposedly provided by the financial institution, such as protection for not receiving the service of product 3. A written acknowledgment of poor service 4. Adjust the incorrect balance on the credit card Please treat this matter with urgency and provide a written response at your earliest convenience. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
b'Claim Number for Bank of America XXXX XXXX XXXX XXXXnBank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"Feeling Ignored" because my last name is XXXX  with obvious link to my XXXX XXXXn\nI Have been victim of a stolen Bank of America credit card that was reported in XXXX XXXX  (acc ending in XXXX Charges were ranked by a ghost buyer with fraudulent receipt signatures that the bank wishes to enlist of evidence but I continue to dispute that the signatures are fraudulent. I feel discriminated since charges occured in XXXX XXXX yet I was residing in XXXX XXXX XXXXeel my claim was ignored for those multiple charges in the island by an unauthorized person. Charges amount to  approx 6k in fraudulent purchases. Yet I continue to get from Bank of America " why did I wait" my response is I keep calling to resolve yet no assistance has been given and I remain in unjustified debt per stolen purchases ignored by the fraud department of bank of America. I beg for a resolution since escalation is imperative. PleTase assist in this fraud case that started with my stolen card. Respectfully\n\nXXXX 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 monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: TX

Complaint narrative:
I was going through my report on XXXX XXXX like I usually do to check my score is when I realize a collection was placed to my credit. I tried to obtain more information, and it looks like the collection was coming from a light company from Nevada named XXXX XXXXXXXX, they sent the amount to a collection agency named XXXX which they resolved the problem but this energy company after that, decided to also sent it to another collection agency named CLARK COUNTY COLLECTION SVCS i called them to try to get more information about this since l 've never lived in XXXX XXXX Nevada XXXX I always been living here in Texas XXXX I spoke with someone in the collection agency and they told me I would have to contact directly XXXX XXXX, since XXXX I have been sending them a fraud package they sent me and that I needed to fill and still this hasnt been resolved. I filed a report to the federal trade Commission, placed a security freeze on my account and made a police report. They havent done anything to take this out of my credit knowing I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate, outdated, or unverifiable accounts appearing on my Equifax credit report.

These include collections, charge-offs, late payments, and/or hard inquiries that have not been properly verified

under 15 U.S. Code 1681c-2 ( obsolete information ), 1666 and 1666b ( billing accuracy ), and 1692g ( debt validation ). I previously sent Equifax a written dispute requesting the investigation and
permanent removal of these accounts. No acceptable verification has been provided, and the accounts remain.

These items are causing serious harm to my financial well-being, including barriers to housing, transportation, and rebuilding after disability-related hardship. I am requesting immediate deletion of all unverifiable or inaccurately reported accounts in full compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and fraudulent accounts that are currently being reported on my credit reports. Despite my efforts to resolve these matters directly with the credit reporting agencies and the original creditors, these accounts remain on my credit profile and continue to damage my creditworthiness. 

I believe these accounts are inaccurate for the following reasons : I have no knowledge of these accounts being opened or authorized by me. 
Some accounts are the result of identity theft, which I have reported previously. 
Certain accounts reflect incorrect information, such as balances, dates, or payment status. 
Duplicate reporting of the same debt is causing further confusion and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and fraudulent accounts that are currently being reported on my credit reports. Despite my efforts to resolve these matters directly with the credit reporting agencies and the original creditors, these accounts remain on my credit profile and continue to damage my creditworthiness. 

I believe these accounts are inaccurate for the following reasons : I have no knowledge of these accounts being opened or authorized by me. 
Some accounts are the result of identity theft, which I have reported previously. 
Certain accounts reflect incorrect information, such as balances, dates, or payment status. 
Duplicate reporting of the same debt is causing further confusion and harm.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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: MA

Complaint narrative:
The CFPBs XX/XX/year> rule supports your claim that medical debt shouldnt appear on your credit report, making this an accuracy issue the debt is being reported when it shouldnt be. 

Both Transunion and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
There are accounts being reported under my name without my knowledge or authorization. I have never opened, managed, or approved these accounts. Their presence on my credit report is completely unacceptable and presents false and misleading information about my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX of XXXX  I filed a police report due to my information being used to open a XXXX account. In XXXX of XXXX  the debt from the identity theft was sent to collections resulting in my XXXX XXXX dropping by XXXX points. Once I noticed this I tried calling Experian to dispute this event on my credit history on XX/XX/year> but I was only sent to an automated messaging system that kept hanging up on me. I tried for several days to file the dispute online since Experian gives you no way to talk to an actual person but I can not access my information online either due to the previous identity theft. I once again tried calling on XX/XX/year> and was still not able to get through to anyone to dispute the credit statements due to identity theft, therefore destroying my credit.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) Copies of current credit reports showing ongoing reporting of the XXXX Copy of my government-issued ID and proof of address ( if needed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Incorrect Name- XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX, SC, XXXX Incorrect Address - XXXX XXXXXXXX XXXX  XXXX XXXX, SC, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX BUSINESS DAYS NO WITHDRAW DEPOSIT PAID {$140.00} for the withdraw deposit ORDER NUMBERS : XXXX {$2000.00} XXXX {$5000.00} XXXX ON XXXX CHANGES FROM PURCHASE DATE TO THE DATE OF EACH DAY {$9.00} PLATFORM FEE {$14.00} TAXES {$7.00} QUE ACCELERATION FEE FOR A FASTER WITHDRAW PAY TO : CASH APP XXXX XXXXXXXX TOLD DEPOSITS TAKE 5-10 BUSINESS DAYS CLAIMING THE FULL AMOUNT OWED MINUS PLATFORM FEES & TAXES. 

FULL AMOUNT OWED : {$500000.00} PAYABLE TO : CASH APP 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 2025-07-07 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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