vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These were made 6 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX which XXXX XXXX  XXXX XXXX XXXX XXXX confirmed would be removed but remains on my report ; XXXX XXXX XXXXXXXX  ; and XXXX XXXXXXXX all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Subject : Misreported Dates, Invalid Tradeline, FCRA Violations ( Sections 609, 611, 623 ) XXXX XXXX Complaint Against : TransUnion To Whom It May Concern, This complaint is against TransUnion for continued reporting of a XXXX XXXX XXXX XXXX charge-off account that is inaccurate, unverifiable, and reported by a creditor who no longer owns the debt. 

Key Account Info : Creditor : 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 Alleged debt buyer XXXX  Written Response : They are not collecting, the account is closed, I have no obligation XXXX  : Deleted this account after my dispute with supporting documentation TransUnion-Specific Violations False Payment History TransUnions report shows this payment pattern : Month - Status XXXX XXXX - X XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - Charge-Off This is inaccurate. There were no missed payments reported for 6 months, then suddenly a XXXX pattern appears. 

This suggests backdated derogatory marks or manipulated reporting, which violates FCRA 623 ( a ) ( 1 ) ( A ). 

Mismatch Between Opening Date and Status Account opened : XX/XX/XXXX Allegedly 90 days late by XX/XX/XXXX There is no valid payment history or documentation to support this timeline This inconsistency signals fabricated or unverifiable data Invalid Verification Response I requested debt validation and method of verification per FCRA 609 and 611 ( a ) ( 7 ) I asked for : Names of those contacted Documentation reviewed Evidence of account ownership TransUnion responded with a one-page generic letter stating creditor verified the account. No substantive proof was provided. 

The original creditor, XXXX, sold the debt. The alleged buyer, XXXX, disclaims ownership. So who exactly verified it? 

Continued Reporting With No Owner Neither Comenity nor XXXX has legal standing to report this tradeline. 

XXXX  removed the account, acknowledging the legal inconsistencies. [ Attached. ] Attachments : XXXX letter confirming sale XXXX XXXX disavowing collection/ownership [ XXXX  deletion confirmation ] Screenshot or PDF of TransUnion credit report showing fake payment history Relief Requested : Immediate deletion of this account from TransUnion

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 2025-08-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: Comerica
State: SC

Complaint narrative:
I get VA widows pension monthly on a XXXX XXXX card. XXXX XXXX took it upon themselves to close down my card, and send me a new one on XXXX, XXXX. Without letting me know by the way. I was able to still do ATM withdrawals and point of service transaction. Just not online or over the phone. I had to pay XXXX XXXX to get another card expedited to me besides the XXXX XXXX they sent because I would not receive it on time to pay my bills. There is still money on the card they shut down and now I'm having trouble getting that money put in my new card! They told me it would be in the new card. I need my money and I'm getting nothing but lied to and patronized by this company. I'm trying to go to a traditional bank and I'm even having trouble doing that. Please help me! It's all the money I get per month and I'm desperate and so frustrated and stressed out! How can do this? I mean it's government benefits VA benefits I've already lost my husband so this money isn't free to me I'm not just " living off the givernment ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax because they are reporting two collection accounts that I believe are inaccurate and unverifiable. The accounts are from XXXX XXXX XXXX for {$520.00} and XXXX XXXX  for {$1100.00}. I do not recall authorizing or agreeing to either of these debts, and I have never received any validation from the collectors proving that I owe them. 

I sent Equifax a formal dispute letter under the Fair Credit Reporting Act, requesting that these accounts be investigated and removed if they can not be verified. I also requested validation of the debt under the Fair Debt Collection Practices Act. So far, I have not received any documents showing proof that I owe these debts or that they are being reported correctly. 

These accounts are negatively affecting my credit score and my ability to be approved for housing, transportation, and financial services. I am requesting that the CFPB step in to help resolve this issue and ensure that Equifax follows the law by deleting these unverifiable accounts. 

Thank you for your help and attention to this matter.

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 2025-08-06 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: GA

Complaint narrative:
I am filing a complaint against Equifax because they are reporting two collection accounts that I believe are inaccurate and unverifiable. The accounts are from XXXX XXXX XXXX for {$520.00} and XXXX XXXX  for {$1100.00}. I do not recall authorizing or agreeing to either of these debts, and I have never received any validation from the collectors proving that I owe them. 

I sent Equifax a formal dispute letter under the Fair Credit Reporting Act, requesting that these accounts be investigated and removed if they can not be verified. I also requested validation of the debt under the Fair Debt Collection Practices Act. So far, I have not received any documents showing proof that I owe these debts or that they are being reported correctly. 

These accounts are negatively affecting my credit score and my ability to be approved for housing, transportation, and financial services. I am requesting that the CFPB step in to help resolve this issue and ensure that Equifax follows the law by deleting these unverifiable accounts. 

Thank you for your help and attention to this matter.

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 2025-08-06 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: AK

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-08-06 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:
My identity has been stolen and leaked in several breaches, my FTC report number is XXXX several accounts have been established that I have no contracts with and Equifax, Experian and TransUnion are all aiding the collection of accounts established by way of Identity Theft bypassing the basic law that each credit report is to be 100 % accurate and error free. How could they be error free when Identity Theft is present as in my case here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Saturday XX/XX/XXXX I got a 30 days past due on my credit report for a car I traded in already in XXXX at the courtesy nissan XXXX XXXX XXXX XXXX in XXXX Florida. I noticed about XXXX weeks before then that on my nissan payment app they still had the car on there and it was showing past due when it should have been paid off already. So they said it was not my fault but theirs and they started working on it and they said that everything was fixed and not to worry about it. So I didn't think about it again until this past Saturday when. I got a email from XXXX of my credit reporters that I had a 30 day late payment on my credit reports and the next day XX/XX/XXXX my credit dropped almost XXXX points on all bureaus. So on Monday XX/XX/XXXX I went to the dealership and spoke with the finance manager and he said that he was paying off the lease that day and that I shouldn't have anything else to worry about and offered me some more incentives but by then the damage is already done. I need the late payment off of my credit reports like it was never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
In XX/XX/year>, I disputed late payments being reported by XXXX XXXX on my credit file for account XXXX XXXX XXXX XXXX XXXX XXXX. Despite my formal dispute, the information was marked as verified by the credit bureaus without providing any supporting documentation or details of the verification process. 
These late payments have caused significant harm to my credit profile. I requested a reinvestigation and disclosure of the verification method, including the name and contact information of the individual or department at XXXX XXXX that verified the information, and copies of any records used. None of this was provided by the credit bureaus in response. 

The Fair Credit Reporting Act ( FCRA ) requires that any information included in my credit file be accurate, verifiable, and complete. Since no supporting documents or proper verification were shared, the continued reporting of this derogatory information appears to violate FCRA Sections 611, 609, and 602 ( a ). 

I am asking for the credit bureaus to conduct a thorough reinvestigation and either : Provide documentation from the furnisher verifying the accuracy of the reported late payments, or Remove the late payment history from my credit reports if they can not verify it with documented evidence.

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 2025-08-06 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: LA

Complaint narrative:
In XX/XX/year>, I disputed late payments being reported by XXXX XXXX on my credit file for account XXXX XXXX XXXX XXXX XXXX XXXX. Despite my formal dispute, the information was marked as verified by the credit bureaus without providing any supporting documentation or details of the verification process. 
These late payments have caused significant harm to my credit profile. I requested a reinvestigation and disclosure of the verification method, including the name and contact information of the individual or department at XXXX XXXX that verified the information, and copies of any records used. None of this was provided by the credit bureaus in response. 

The Fair Credit Reporting Act ( FCRA ) requires that any information included in my credit file be accurate, verifiable, and complete. Since no supporting documents or proper verification were shared, the continued reporting of this derogatory information appears to violate FCRA Sections 611, 609, and 602 ( a ). 

I am asking for the credit bureaus to conduct a thorough reinvestigation and either : Provide documentation from the furnisher verifying the accuracy of the reported late payments, or Remove the late payment history from my credit reports if they can not verify it with documented evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Im following up a complaint to report that Ive been a victim of identity theft. Ive learned that under FCRA Section 605B, credit bureaus are required to remove any fraudulent items once an identity theft report is submitted.

I have enclosed the necessary documents, including my FTC identity theft report, to support the removal of these unauthorized accounts. These items were not opened or authorized by me and do not belong on my credit file. 
As stated by law, these items must be removed within four business days of receiving this request .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} 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 2025-08-06 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: AK

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-06 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent accounts and credit inquiries from my credit report Accounts XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 
I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-08-06 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: FL

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 
I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-08-06 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: CA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief