vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information, and addresses. Despite my effort to resolve directly with the credit agency it remains unresolved. I request immediate Investigation and removal of the listed items as they are incorrect and have been detrimental to my life and credit health. XXXX  : XXXX XXXX {$220.00}, XXXX XXXX {$240.00}, XXXX XXXX {$16000.00}, and XXXX XXXX XXXX {$15000.00} INVALID ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX. I have called all three credit reporting companies with no XXXX. Please refer to FTC report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Items I am writing to formally dispute several entries in my credit report dated XX/XX/scrub>XXXX XXXX XXXX I believe the items listed below contain inaccurate or unverifiable information and are negatively impacting my credit profile. In accordance with the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation and appropriate action. 



XXXX XXXX XXXX XXXX XXXX XXXX ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : Due to unforeseen personal hardship, I struggled to maintain timely payments. I respectfully request verification of the charge-off status and reporting details. If verified, I kindly ask for a goodwill removal based on my previous positive payment history and good-faith efforts to resolve the balance. 



XXXX. XXXX XXXX XXXX Credit Card ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : I was not made aware of this accounts delinquency until after it was charged off. I request TransUnion verify the accuracy of reported late payments and balances. If any part of this reporting can not be substantiated, I respectfully request its removal. 



XXXX. XXXX XXXX ( Accounts ending in XXXX & XXXX ) Status : Charged-off Reason for Dispute : These accounts became delinquent during a significant financial transition. Please verify all charge-off amounts and reporting dates. If accurate, I request a goodwill deletion given my current efforts to resolve outstanding balances and reestablish creditworthiness. 



XXXX. XXXX XXXX XXXX Line of Credit ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : I request verification of all reporting details related to this account, including any reductions in credit limit and payment reporting inconsistencies. If any information can not be verified, please remove or update the entry accordingly.

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 2025-08-02 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: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Items I am writing to formally dispute several entries in my credit report dated XX/XX/year>. I believe the items listed below contain inaccurate or unverifiable information and are negatively impacting my credit profile. In accordance with the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation and appropriate action. 



XXXX. XXXX XXXX XXXX XXXX Loan ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : Due to unforeseen personal hardship, I struggled to maintain timely payments. I respectfully request verification of the charge-off status and reporting details. If verified, I kindly ask for a goodwill removal based on my previous positive payment history and good-faith efforts to resolve the balance. 



XXXX. XXXX XXXX XXXX Credit Card ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : I was not made aware of this accounts delinquency until after it was charged off. I request TransUnion verify the accuracy of reported late payments and balances. If any part of this reporting can not be substantiated, I respectfully request its removal. 



XXXX. XXXX XXXX ( Accounts ending in XXXX & XXXX ) Status : Charged-off Reason for Dispute : These accounts became delinquent during a significant financial transition. Please verify all charge-off amounts and reporting dates. If accurate, I request a goodwill deletion given my current efforts to resolve outstanding balances and reestablish creditworthiness. 



XXXX. XXXX XXXX XXXX Line of Credit ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : I request verification of all reporting details related to this account, including any reductions in credit limit and payment reporting inconsistencies. If any information can not be verified, please remove or update the entry accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Items I am writing to formally dispute several entries in my credit report dated XX/XX/year>. I believe the items listed below contain inaccurate or unverifiable information and are negatively impacting my credit profile. In accordance with the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation and appropriate action. 



XXXX. XXXX XXXX XXXX XXXX Loan ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : Due to unforeseen personal hardship, I struggled to maintain timely payments. I respectfully request verification of the charge-off status and reporting details. If verified, I kindly ask for a goodwill removal based on my previous positive payment history and good-faith efforts to resolve the balance. 



XXXX. XXXX XXXX XXXX Credit Card ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : I was not made aware of this accounts delinquency until after it was charged off. I request TransUnion verify the accuracy of reported late payments and balances. If any part of this reporting can not be substantiated, I respectfully request its removal. 



XXXX. XXXX XXXX ( Accounts ending in XXXX & XXXX ) Status : Charged-off Reason for Dispute : These accounts became delinquent during a significant financial transition. Please verify all charge-off amounts and reporting dates. If accurate, I request a goodwill deletion given my current efforts to resolve outstanding balances and reestablish creditworthiness. 



XXXX. XXXX XXXX XXXX Line of Credit ( Acct ending in XXXX ) Status : Charged-off Reason for Dispute : I request verification of all reporting details related to this account, including any reductions in credit limit and payment reporting inconsistencies. If any information can not be verified, please remove or update the entry accordingly.

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 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have two accounts with chase for more than 30 Years. I used them not often in the last years. On XX/XX/XXXX an XXXX I got for each account al letter, that I have to use my account, otherwise the bank make it dormant. But both letters were sent on XX/XX/year>, XXXX weeks ago. So no hotline would help me. As well my Chase-ATM card, valid XX/XX/year> were not accepted at XXXX ATM any more. 
Then I send two letters to Chase XXXX, in XXXX and XXXX XXXX I complained and asked for closing the account and transfer the money to my XXXX account. I asked them to contact me until XX/XX/XXXX. 
I have not heard anything from them by now. 
It is suspicious that both chase-letter where dated XXXX. XX/XX/year> and arrived five weeks later XX/XX/XXXX and XX/XX/XXXX. A strange coincidence. That means nobody in overseas had a chance to avoid. Especially saving accounts are often not touched for two years. XXXX is as well, that no helpdesk was able to help. They advised me, to make a appointment in a chase bank office in USA, only there they could make the account alive. I live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
All inquerys on my transunion credit report were never uthorized by me nor do i have any knowledge of them

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 2025-08-02 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: OH

Complaint narrative:
I am a victim of identity theft, supported by FTC Identity Theft Report # XXXX ( attached ). TransUnion is reporting multiple unauthorized credit inquiries on my report, tied to identity theft activity, despite no permissible purpose. I request immediate deletion and a corrected credit file. 

Pursuant to FCRA XXXX ( a ), no credit inquiry may be reported without permissible purpose. As a victim of identity theft, data related to these unauthorized inquiries must be blocked within XXXX business days, per FCRA XXXX and identity theft protections provided by federal law ( via IdentityTheft.gov ) ' Unauthorized inquiries reported by TransUnion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent, and are directly tied to identity theft documented in my FTC report. 

FCRA Violations Included XXXX ( a ) Unauthorized inquiries made without permissible purpose. 

XXXX Failure to block identity theftrelated inquiries after valid notice. 

XXXX ( b ) Failure to ensure maximum possible accuracy.

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 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
am submitting this complaint due to a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ). XXXX XXXX has reported two collection accounts on my credit reports without sending me the required written debt validation notice within five days of initial contact. 

These collection accounts appear on my TransUnion, XXXX, and XXXX credit reports. However, I have never received any written notification regarding these debts, including the amount owed, the name of the original creditor, or my right to dispute the debt as mandated by federal law. 

This failure to send a proper notice violates my rights under the FDCPA and has denied me the opportunity to verify or dispute the validity of the debts. 

I have attached a sworn declaration and a copy of my credit report as supporting documentation. 

Desired Resolution : Remove the accounts from all credit reports. 
Cease all collection activity. 
Investigate and enforce compliance with the FDCPA.

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 2025-08-02 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:
My credit report contains negative items that are older than the allowable reporting period under the FCRA. These outdated accounts should have been removed by now, yet they continue to appear and negatively affect my creditworthiness. The FCRA, under 602 ( A ), is intended to promote fairness and accuracy in credit reporting, and retaining outdated information violates those principles. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
The company is in validation, incorrect and contradiction report in long-term XXXX but the accounting means open boundary reports inconsistent is a violation ofXX/XX/XXXX 1681 legal valid legal assignment violence to FTCPA code 809 unlawful collection beyond terms learn extend XXXX miles consumer financial protection code 12 USC5531 false derogatory reporting account marked derogatory despite in good standards the payment of the credit FCRA 1681

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The company is in validation, incorrect and contradiction report in long-term XXXX but the accounting means open boundary reports inconsistent is a violation of XXXX 1681 legal valid legal assignment violence to FTCPA code 809 unlawful collection beyond terms learn extend XXXX miles consumer financial protection code 12 USC5531 false derogatory reporting account marked derogatory despite in good standards the payment of the credit FCRA 1681

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 2025-08-02 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: NJ

Complaint narrative:
The company is in validation, incorrect and contradiction report in long-term XXXX but the accounting means open boundary reports inconsistent is a violation of XXXX  1681 legal valid legal assignment violence to FTCPA code 809 unlawful collection beyond terms learn extend XXXX miles consumer financial protection code 12 USC5531 false derogatory reporting account marked derogatory despite in good standards the payment of the credit FCRA 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the student loan account being reported on my credit file by the name of DEPTEDNELNET for the amount of {$7900.00}. The information you have listed is either incorrect, unverifiable, or falsely attributed to me. This account is negatively impacting my creditworthiness, and I demand an immediate removal from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2025-08-02 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: FL

Complaint narrative:
The following account ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
My credit report contains negative items that are older than the allowable reporting period under the FCRA. These outdated accounts should have been removed by now, yet they continue to appear and negatively affect my creditworthiness. The FCRA, under 602 ( A ), is intended to promote fairness and accuracy in credit reporting, and retaining outdated information violates those principles. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief