vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent. Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that According to FRCA section 605 B it is illegal to report information on my credit report without my permission

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 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 2025-11-28 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I entered into a written pay-for-delete agreement with XXXX XXXX XXXX ( XXXX XXXX for a collection account, stating that upon full payment, the account would be permanently deleted from all credit reports. I paid the full balance of {$590.00} via ACH on XX/XX/year>. Despite this, the account remains on XXXX, Experian, and XXXX  reports as of XX/XX/year>. 
PRA responded to my prior CFPB complaint on [ insert response date if known ], confirming the payment and stating they would request deletion from the CRAs within approximately 30 days of posting. However, this delay is unjustified and continues to cause imminent harm, including impacts on pending credit applications and financial opportunities. 
This ongoing reporting violates multiple laws, warranting immediate enforcement for deletion within 24 hours : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must follow reasonable procedures for maximum accuracy ; maintaining a paid account post-agreement is inaccurate and misleading.

FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Requires CRAs to conduct a reasonable reinvestigation and delete inaccurate information within 30 days, but willful non-compliance and ongoing harm justify expedited deletion.

FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Mandates deletion if information can not be verified ; PRA 's confirmation verifies the agreement, yet no action taken.

FCRA 623 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ) : Prohibits furnishers from reporting inaccurate or incomplete data ; failure to update post-payment breaches this.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers must correct/delete after dispute notice ; delay constitutes violation.

FDCPA 807 ( 2 ) ( A ) & ( 10 ) ( 15 U.S.C. 1692e ( 2 ) ( A ) & ( 10 ) ) : False representation of debt status and deceptive practices in not honoring agreement promptly.

CFPA 1031 & 1036 ( 12 U.S.C. 5531, 5536 ) : Unfair, deceptive, or abusive acts causing foreseeable harm ; requires immediate remedy.

Due to potential willful violations ( FCRA 1681n ), which allow for statutory damages, punitive awards, and fees, I demand PRA immediately direct deletion within 24 hours, with CRAs confirming removal and CFPB enforcing compliance to prevent further damage.

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 2025-11-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint against Experian for knowingly reporting inaccurate information and failing to conduct a lawful, reasonable investigation regarding a closed auto loan from XXXX XXXX XXXX XXXX. This same account has already been deleted by XXXX  due to documented inaccuraciesyet Experian continues to verify it without providing any evidence. 

I have disputed this account with Experian multiple times, and each time they have responded with a generic verified response without providing : Any documentation supporting the accuracy of the reporting Proof of a completed investigation Verification directly from XXXX XXXX XXXX XXXX Any explanation for why XXXX  removed the account while Experian continues to maintain it This behavior is a direct violation of the Fair Credit Reporting Act, specifically : FCRA 602 Failure to ensure fair and accurate reporting FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 Acceptance of unverifiable, disputed information from data furnishers Experian is knowingly reporting inconsistent, disputed, and unverified data, despite being fully aware that another major bureau ( XXXX  ) has already removed this exact account after reviewing the same documentation and determining it could NOT be verified. 

Experians refusal to correct the inaccuracy despite multiple disputes shows : Negligence Failure to investigate Willful disregard for accuracy standards Failure to comply with their obligations under federal law This account is damaging my credit profile and causing financial harmharm that Experian is responsible for because they refuse to follow federal procedures.

Requested Action from CFPB I respectfully request that the CFPB : 1. Conduct an immediate investigation into Experians failure to correct this inaccurate account.

2. Require Experian to obtain actual validation from XXXX XXXX XXXX XXXXnot automated matching or third-party data.

3. Require Experian to explain why Equifax removed the account but they continue to inaccurately list it.

4. If Experian can not provide full documentation supporting the accuracy of this account, require them to delete this auto loan immediately from my Experian credit file.

5. Hold Experian accountable for repeated violations of FCRA accuracy and reinvestigation requirements.

I have made every reasonable attempt to resolve this directly, but Experians failure to comply with federal law leaves me no choice but to escalate the issue to your office.

Thank you for your time and attention to this matter. I expect a full investigation and a prompt response.

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 2025-11-29 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 ( 2 ) 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 2025-11-29 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: OH

Complaint narrative:
I am filing this CFPB complaint to report multiple inaccurate and unlawfully reported items that must be removed under the Fair Credit Reporting Act. The late closed XXXX XXXX XXXX accounts ( XXXXXX/XX/XXXX), each showing a {$0.00} balance, continue to report across Experian, Equifax, and TransUnion in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as this information is inaccurate and not maintained to the standard of maximum accuracy. The Affirm Inc MP6FJI * * charge-off reporting a {$0.00} balance in Experian also violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 605B / 15 U.S.C. 1681c-2 because it remains on my report despite being unverifiable. Furthermore, the inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without a permissible purpose, violating FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and therefore must be removed as unauthorized access to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
I am filing this CFPB complaint to report multiple inaccurate and unlawfully reported items that must be removed under the Fair Credit Reporting Act. The late closed XXXX XXXX XXXX accounts ( XXXXXX/XX/XXXX), each showing a {$0.00} balance, continue to report across Experian, Equifax, and TransUnion in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as this information is inaccurate and not maintained to the standard of maximum accuracy. The Affirm Inc MP6FJI * * charge-off reporting a {$0.00} balance in Experian also violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 605B / 15 U.S.C. 1681c-2 because it remains on my report despite being unverifiable. Furthermore, the inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without a permissible purpose, violating FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and therefore must be removed as unauthorized access to my consumer 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 non-monetary relief
Consumer complaint received 2025-11-28 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: CBC Companies, Inc.
State: MA

Complaint narrative:
That on XX/XX/year> while reviewing my Innovis Consumer Report I noticed XXXX ( XXXX ) accounts that I did not authorize and are the result of identity theft and fraud. The fraudulent accounts showing with these names and dates consist of : XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list as well as a copy of the Innovis consumer credit report maintained by them which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by them were not opened, made or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud. Also attached are eight ( 8 ) document files in compliance with the block request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We discovered that Chase has been charging monthly service fees on an account dedicated for business for over 10 months due to an internal account-linkage error and lack of notification. The charges are from XX/XX/XXXX through XX/XX/XXXX ( excluding XX/XX/XXXX ). 
When we opened the account, we specifically requested that it would be linked to our savings account to prevent monthly service fees. 
Recently we learned that the account was never linked, even though this was supposed to be done by Chase. 
This account has not been active for over a year, and Chase has charged us monthly service fees for more than 10 consecutive months. During this entire period, we did not receive any alerts, notices, or warnings indicating that fees were being assessed or that the account linkage was missing. We only realized this when we reviewed our statements manually many months later. 

We attempted to resolve this through : Our branch banker on XX/XX/XXXX ) Internal escalation by the banker A Customer Retention Manager All said they could not issue a full refund for all fees ( only one fee ) even though the situation resulted from a bank error and lack of notifications.

We were told that there was nothing they could do.

We are requesting CFPB assistance because these fees stem from : 1. A bank setup error ( the requested account linkage was not completed ).

2. Repeated fees charged without any notification, which prevented us from correcting the issue sooner.

3. Unsuccessful resolution through all Chase customer channels, despite multiple attempts. 

We are seeking a full refund of all fees charged. 

Thank you very much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
XXXX XXXX, a living man appearing in my private capacity as the Secured Party and Authorized Representative for the entity commonly styled XXXX XXXX, provide this formal notice and demand. 

The XXXX XXXX account referenced above was : 1. Previously disputed, 2. Found unverifiable, and 3. Deleted from my XXXX  consumer file.

The recent reinsertion of this same account is unlawful, and no written notice was provided to me within 5 business days as required by FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This constitutes : Illegal reinsertion, Willful non-compliance with the FCRA, and Continued collection activity in violation of the FDCPA ( after receipt of a cease-and-desist ).

I demand the following : 1. Permanent deletion of the reinserted XXXX account.

2. A full description of the certification allegedly submitted for reinsertion.

3. A copy of all investigation documents used by XXXX.

4. Written confirmation of removal within five ( 5 ) business days.

Failure to comply will result in : A CFPB complaint, A Pennsylvania Attorney General complaint, and Preparation for civil action for statutory and actual damages under the FCRA and FDCPA.

This notice is issued under penalty of perjury pursuant to 28 U.S.C. 1746.

Authorized Representative / Secured Party Creditor : I will enforce all relevant damages both punitive, and defamation damages under federal law. 

XXXX XXXX, Secured Party UCC 1-308/ Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX  I went to a chase atm using my XXXX  card to withdraw XXXX $ and the atm approved my transaction started dispensing my money stopped in the middle of doing so n the screen told me they cant process my withdrawal right now and to make sure Im credited correctly contact the bank and they gave me a receipt stating the same thing which i showed to both banks involved and still have yet to receive my money or any information pertaining to my case other that I have to wait up to 45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IN

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$500.00} - Date Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX - Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED 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 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