vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/2025 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 2025-10-29 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: IN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/scrub>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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The account status on my world finance account shows charged off and closed on my credit report. It is also showing recently that it is late payments times XXXX the repair they are reporting payments and they are increasing the amount balance monthly. It's as if the account has been reengaged. This action took my credit score down by XXXX points on XX/XX/year>. They are reporting current late payments for a charge off account and they are increasing the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
When I relocated from XXXX XXXX, XXXX, to XXXX, XXXX, I attempted to transfer my cellphone service to XXXX, as my previous carrier did not provide service on the East Coast. I purchased a bundle that included Internet and XXXX mobile lines. Regrettably, my other phone, a XXXX XXXX XXXX, was not activated because it remained locked from the previous carrier. On XX/XX/year>, I canceled the account, returned the router to XXXX, and received a refund. Several months later, I continued to receive emails from XXXX regarding my bills. I visited the XXXX branch at XXXX XXXX in XXXX and XXXX to inquire about these bills, during which the staff suggested that the emails might be spam, as they did not appear in their records. Recently, I received a letter from XXXX XXXX XXXX ( Reference # XXXX ) demanding a payment of {$260.00} for an account I had closed with XXXX. I revisited the same XXXX branch, where staff permitted me to access their computer system and indicated that the charge might be incorrect, given that my account was already closed. They advised me to contact Credence, where I spoke with XXXX. He informed me that XXXX had not located my account since XX/XX/year> and requested a payment of {$180.00} to close the account. This situation appears to be an unjust and predatory practice targeting law-abiding consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal 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 non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I tried to buy things in my favorites website with my american express gift card but u cant because its getting declined in every online store and even the card is online and on their website they say it works on every store that accepts american express but it declines it in XXXX XXXX even XXXX and etc so im frustated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as 'Paid ' and 'Charge-off ' simultaneously. Inconsistent balance history across bureaus. FCRA 1681e ( b ) ; 1681s-2 ( b ) ; FDCPA 807 ( 8 ) ; 15 USC 1666a XXXX XXXX TransUnion ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This account shows conflicting statuses between paid and charge-off. Please delete this inaccurate status across all bureaus or {$1000.00} violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
Eliminate my report and file as I am a victim of identity theft. I hv not authorized this. Remov all infor to repair 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 non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 2025-10-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: SC

Complaint narrative:
I received a very poorly worded text from XXXX XXXX XXXX, and shortly after, I was notified that some family of mine ( not distant, but also not super close ) was called and texted about trying to locate me. I called them back and tried to get info as to what exactly the debt was from, and why they were the ones calling me, not the company that the debt was with. Ever since, I receive a call and a text every single Morning, followed by calls from other fake VOIP numbers throughout the day. If you try to call the numbers back, they are no longer connected. The repeated calls from other numbers started the same day that XXXX initially contacted me and my multiple family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime has been taking money out of my account, and trying ti say it's a repayment.And I never borrow in the amount of XXXX.. I just borrow XXXX that's it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
This complaint is against Portfolio Recovery Associates , LLC. 

I have sent XXXX written requests to Portfolio Recovery Associates , LLC ( PRA ), most recently on XX/XX/year>, requesting billing statements and documentation to validate a debt they claim to have purchased from XXXX XXXX XXXX, XXXX. ( account ending in XXXX ). 

Despite acknowledging my letters, PRA has never provided billing statements or any itemized accounting of how the alleged balance was calculated. Their only response, dated XX/XX/year>, enclosed a generic Notice of Sale from XXXX XXXX Bank. 

I also wrote directly to XXXX XXXX XXXX  on XX/XX/year>, requesting the original billing statements. XXXX XXXX XXXX  replied that the account was sold and that all future inquiries should be directed to PRA. PRA has since failed to provide the documentation requested. 

According to PRAs own website ( Credit Report FAQ section ), they state that within approximately XXXX  days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account. 

I am continuing to make my scheduled payments in good faith in anticipation of PRAs compliance with their stated policy. However, I am filing this complaint for documentation purposes and to request assistance with recovering the billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am writing to formally dispute the unlawful closure of my account and the withholding of my funds in the amount of {$3600.00}. I have made every deposit in person at your branch location, each time physically present to deposit endorsed checks. Despite following all proper banking procedures, my account was abruptly closed, and my funds have not been released. 

This conduct constitutes a potential violation of several federal banking and consumer protection laws, including but not limited to : 12 U.S.C. 5531 ( XXXX Wall Street Reform and Consumer Protection Act ), which prohibits unfair, deceptive, or abusive acts or practices by financial institutions ; 12 C.F.R. Part 1005 ( Regulation E ), which establishes the rights of consumers regarding electronic fund transfers and the timely resolution of disputes ; 12 C.F.R. 229 ( Regulation CC ), which governs the availability of funds and prohibits unreasonable holds on deposited checks ; and Uniform Commercial Code ( UCC ) 4-401, which requires banks to honor properly payable items and release the customers funds unless a lawful reason for retention exists.

Your institutions refusal to return my funds, absent any lawful justification, may also constitute conversion and breach of contract under applicable state law. I therefore demand the immediate release of my {$3600.00} balance and a written explanation detailing the legal basis for your actions. 

If this matter is not resolved promptly, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and any other relevant state or federal regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Dates from credit report XX/XX/2025 I called Harris and Harris and spoke to XXXX XXXX and explained to her it was identity theft and Ive had a similar account from XXXX same address and another different one from identity theft that were removed already, she instructed me to contact XXXX. 

This has happened twice already with identity theft from XXXX with XXXX addresses, XXXX is the same but amount was different, please remove these as I have submitted identity theft report and spoke to XXXX in the past regarding and they were removed and now its back on my credit for a smaller amount. This is not my account and was opened fraudulently due to identity theft. Ive worked to hard on my credit to keep getting affected by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-29 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: NY

Complaint narrative:
i was affected by the equifax data breach. this has caused identity theft. 
i have been in contact with transunion, equifax and experian with no help I am submitting this Identity Theft Affidavit in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which gives identity theft victims the right to block fraudulent information from appearing on their consumer report. I have recently been the victim of Equifax Data Breach and Identity Theft, and I am requesting that all fraudulent accounts and related inquiries listed below be blocked, deleted, or suppressed from my consumer reports 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 non-monetary relief
Consumer complaint received 2025-10-29 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: WV

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX 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 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 2025-10-29 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: WI

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 2025-10-29 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:
Please consider this letter as my formal notification that the accounts referenced are fraudulent. I did not authorize them, and I respectfully request their removal and full review. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: Io, Inc.
State: VA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 
Account Name XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Amount : {$1000.00} I've sent debt validations letters and requested XXXX Cancellation debt form This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

Company response to consumer: Closed with explanation