vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-26 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: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this complaint because the credit bureaus and furnishers continue to report information that is not mine, false late payments, unauthorized inquiries, and wrong addresses even after multiple disputes. These errors violate my rights under the FCRA and continue to cause harm. I am requesting immediate enforcement and correction. 

XXXX XXXX Open Date XX/XX/XXXX High Balance {$840.00} Late Payment The alleged late payment is incorrect because I have never made a late payment on this account. Reporting inaccurate delinquency violates 1681e ( b ) and the continued failure to correct this error violates 1681i. I demand a full correction of the payment history. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$300.00} Late Payment The late payment information is inaccurate because I have never made a late payment on this account. This violates 1681e ( b ) and the failure to fix it after prior disputes violates 1681i. Correct the payment history immediately. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1000.00} Charge-Off I have no knowledge of this account and it can not be verified as mine. Reporting an account that can not be authenticated violates 1681e ( b ), and your repeated failure to correct it violates 1681i. As an unrecognized account, it must be deleted. 

These inaccuracies have harmed me financially and emotionally, and the failures to correct them show non-compliance with federal law. I request CFPB intervention to require immediate correction, deletion where necessary, and enforcement of all FCRA obligations.

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 2025-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed 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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Grey Inc

Complaint narrative:
I initiated a withdrawal of {$670.00} on XXXX XX/XX/year>, which remained in Processing status. 

On XXXX XX/XX/year> at XXXX XXXX, I received an email from the company stating that my withdrawal had failed and that the full {$670.00} was reversed back into my USD balance. 

However, XXXX minutes later, at XXXX XXXX, the company sent a second email stating that a {$680.00} USD XXXX transfer had been successfully completed to an unknown XXXX XXXX  account ( XXXX XXXX XXXX XXXX ). 
I did not add this beneficiary, I did not authorize this payout, and I do not know this person. 

My original withdrawal was to an account in XXXX, not XXXX, and I never approved any change of destination country or beneficiary. 

During the exact window when the failed withdrawal and the unauthorized XXXX transfer occurred ( XXXX XXXX  to XXXX PM  on XXXX XXXX ), I was not logged into my account. 
It is therefore impossible that I modified the withdrawal details, changed the amount from {$670.00} to {$680.00}, or authorized an international remittance to XXXX. 

The company sent XXXX contradictory system emails within XXXX minutes ( failed reversed, then successful XXXX ), which strongly indicates an internal error, unauthorized system activity, or a security failure. 

I contacted the company multiple times but have not received any resolution. 
The funds of {$680.00} have not been returned to me. 

I am requesting the CFPB to review this matter, as it involves : Grey Inc Registered U.S. Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Website : XXXX XXXX XXXX  unauthorized international transfer modification of transaction amount change of beneficiary and country inconsistent system records potential internal misconduct or system breach financial loss that remains unresolved I have saved all emails, timestamps, screenshots, and transaction confirmations and can provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens bank is telling me I owe money when I didnt borrow anything or spent any money with them I think its some fraud going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A company named XXXXXXXX XXXX XXXX XXXX XXXXXXXX took XXXX unauthorized funds on XX/XX/year> from my checking account at Citibank and after I filed a dispute with Citibank I was refused a provisional credit from Citibank while the investigation is in progress. I have banked at Citibank for 10+ years and I have always got a provisional credit while a dispute is being investigated. The resolution Im seeking is for Citibank to give me an immediate provisional credit since Citibank has had no problem using my two monthly direct deposits for the past 10+ years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-26 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: LA

Complaint narrative:
XXXX  Equifax and TransUnion, all reporting information that's not mine an are seriously wrong an misleading!!! My identity has been stolen since 2021 .. An also XXXX  has stolen over XXXX dollars of my federal income tax payment from those years that when the data breach occurred an I have had problems with people stealing my identity every since .. Also I have letters from TransUnion an Equifax stating that the have leaked my social security number and other personal information in the past 5 years an recently.. I need all of my information reviewed .. No one wants to give me my full credit report like with the statements that I have cars in my name from a state I never lived in. An I had to pay XXXX XXXX XXXX just to get that little but if information. Please help me asap thank you 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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint regarding LVNV Funding. They are attempting to garnish my wages for a case in which I was never properly served or notified. I previously had a different case with LVNV, which I attended and won. It appears that LVNV may have tried to combine that previous case with this new case, but I never received any court documents for the new case. 

According to the court website, all mail for this new case was returned to the sender because LVNV used the wrong apartment number. I had no notice of the lawsuit, no summons, and no opportunity to appear or defend myself. Despite this, they continued to increase the alleged balance every month. 

Now they are trying to garnish my wages based on a judgment I was never aware of and never had a chance to contest. This is improper and violates my right to due process. I am requesting that the CFPB investigate LVNVs actions, including : Improper service of court documents Use of an incorrect address Attempts to collect on a judgment I was never notified of Increasing the alleged balance monthly without validation I am asking for this garnishment to be stopped and for LVNV to correct their records and follow proper legal procedures. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
DENIAL OF FEDERALLY TRACKED MAIL FAILURE TO RESPOND TO CREDIT BUREAUS INFLATING ESCROW KEEPING UNPAID PRINCIPAL DIFFERENTIAL BALANCE WITHOUT OPPORTUNITY TO CURE NON PRODUCTION OF ORIGINAL PROMISSORY NOTE NON PRODUCTION OF CHAIN OF ASSIGNMENT COMING OUT AS DEBT COLLECTOR AFTER A YEAR LOAN STEERING LOAN DISCRIMINATION PREDATORY LENDING AMERICANS WITH DISABILITIES ACT VIOLATIONS FRAUDULENT TRANSFER OF ACCOUNT LAWYER ACTING AS DEBT COLLECTOR VIOLATIONS OF UCC ARTICLES 3 & 9 AND LOUISIANA MORTGAGE LAW NOTICE OF INTENT TO FORECLOSE 49 DAYS EARLY WITHOUT VALIDATING DEBT DOUBLE BILLING ILLEGAL CREDIT REPORTING AFTER NOTICE OF ERROR ETC. ETC. ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request last month regarding theseunauthorized inquiries, but they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding my account with JPMorgan Chase Bank, which was recently closed and has a {$20000.00} cash deposit currently placed under review. 
On XXXX, a {$20000.00} cash deposit was made into my account by a business colleague. Shortly afterward, Chase froze my account and later informed me it was closed due to " suspicious activity. '' Despite the closure, Chase has held the full {$20000.00} deposit and has not released the funds or provided a clear explanation of the status of the review. 
I contacted Chase, and I was only told that the funds are " still under review '' and that I must wait 30 days, but no additional information has been provided regarding : 1. The specific reason the funds are being held 2. What documentation Chase requires from me 3. Whether the funds will be released to me or returned to the depositor 4. The exact date when I can expect a decision This lack of clarity leaves me without access to my own funds and without any meaningful communication from the XXXX. I am requesting : A written explanation of the hold The status of the investigation The expected timeline for release or return of the funds Instructions regarding any documents I can provide to assist the review I am fully willing to cooperate and provide any reasonable information needed to verify the legitimacy of the deposit. However, Chase has not given me any guidance on what is required. 
Please review my case, provide clarity on the status of the {$20000.00}, and advise on the next steps so this matter can be resolved promptly and fairly. 
Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

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