vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXX XXXX XXXX Account number - XXXX Date opened : XXXX XXXX, XXXX - Balance : {$54000.00} XXXX XXXXXXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$730.00} XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX - Account number - XXXX  Date opened : XX/XX/XXXX - Balance : {$730.00}

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 2025-06-10 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:
I am requesting the immediate removal of a late payment entry that has been wrongfully reported on my credit report. I take my credit seriously and have always made timely payments. This mistake undermines my efforts and should be corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing this complaint regarding the Purchase Protection benefit offered by my Chase credit card, which is administered by Assurant. I made a legitimate claim for an item that was damaged shortly after purchase. The item cost approximately {$800.00} and was paid for in full using my Chase credit card.

While I understand the need to provide proof of purchase and payment, the administrator ( Assurant ) is requiring an unreasonable volume of documentation, including my homeowners insurance policy information and a repair estimate for an item that is not realistically repairable. This is despite the fact that Chase already has the transaction data on file.

This experience makes it clear that the benefitpromoted as a key reason to choose Chase credit cardsis not designed to support customers but to create obstacles that discourage valid claims. It feels like a bait-and-switch : Chase advertises strong cardholder protection but outsources the claims process to a third party that appears focused on minimizing payouts. 

In contrast, I have used XXXX XXXX purchase protection benefit, which is handled internally and is far more transparent and customer-friendly. Chases program, as administered by XXXX, seems designed to burden the customer into giving up. 

I respectfully ask the CFPB to review these practices for fairness and transparency, and to evaluate whether these advertised cardholder benefits are being delivered as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im extremely frustrated to find an unauthorized inquiry on my credit report this morning, and I have no idea how it got there. I checked my report like I usually do, but this time there were unexpected discrepancies. I refreshed the page hoping it was just a technical glitch, but the inquiry was still there. I need this matter resolved immediately, and Im asking that you carefully review the documents I submitted to prevent this from ever happening again.

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt and Request to Cease Communication under 15 USC 1692c Dear Experian, I am writing to dispute the debt you claim I owe, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you provide verification of this debt, including the original contract or agreement, and any documentation proving my responsibility for the debt. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c, to request that you cease all further communication with me regarding this debt, except as permitted under the FDCPA.

Please be aware that if you continue to contact me after receiving this notice, you may be in violation of federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im filing a complaint because Capital One is reporting a open account also with late payments that are inaccurate and not properly verified. i have disputed this directly with the credit bureaus and the furnisher but this account and late payments remain without proper validation and documentation.I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 15 USC 1681 2 ( a ) furnishers much report accurate information under 15 USC 1681 ( i ) credit bureaus must perform a reasonable investigation within 30days. under 15 USC 1666 ( b ), under 15 USC 1637 ( a ) - ( a ). Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 2025-06-10 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit 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 2025-06-10 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:
I am requesting the removal of a reported late payment that I believe to be in error. My records show that I fulfilled all payment obligations on time. This inaccurate reporting has caused undue hardship, and I trust it will be corrected swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
account XXXX Citi Cards # XXXX the account does not belong to me account XXXX XXXX XXXX # XXXX never paid account late

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 2025-06-10 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/year>, I contacted Equifax regarding identity fraud I endured recently and tried reporting it under case # XXXX. The representative I spoke with, identified only as XXXX ( badge ID XXXX ), requested a large amount of sensitive personal information, including my Social Security number, drivers license, passport number, mortgage payment details, marital status, number of children, and more. 

Despite providing all requested documentation, I was told the information was still not sufficient. I requested to speak to a supervisor. XXXX agreed and placed me on hold for approximately XXXX hours. When he returned, he asked if I was still on the line, then stated that everyone had gone home and I would need to call back the next day. He then said he would not assist me further and ended the call, advising me to contact another credit bureau if I didnt like this one. 

At no point was I provided with a supervisors name, department contact, or any escalation method. I believe XXXX representative acted unprofessionally and unethically, especially considering the highly sensitive nature of the information being requested. I am filing this complaint to ensure a formal review of the handling of my case and to request transparency, accountability, and a clear explanation of why this level of data was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Possible Financial Inc
State: OH

Complaint narrative:
All three major credit bureaus XXXX XXXX, and XXXX are continuing to report charged-off credit card accounts that were legally XXXX in my Chapter XXXX bankruptcy. These accounts are still being shown with outstanding balances and delinquency notations, despite the fact that I am no longer legally responsible for them following my bankruptcy discharge. 

This inaccurate reporting is not only misleading and damaging to my credit profile, but also in direct violation of several provisions of the Fair Credit Reporting Act ( FCRA ) : Legal Violations : XXXX XXXX XXXX  XXXX ( a ) ( XXXX ) : Bankruptcy information can only be reported for XXXX  years, and all included debts must reflect a {$0.00} balance and XXXX status. Continuing to report balances or negative payment history after discharge is factually and legally incorrect. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : Credit furnishers are required to report only complete and accurate information. By continuing to report XXXX accounts as due or charged off, these creditors are furnishing false and harmful data. 

XXXX XXXX XXXX XXXX ( a ) : The credit bureaus have a duty to reinvestigate and correct or remove any information that is found to be inaccurate or unverifiable. Despite my prior disputes, they have failed to correct this serious error. 

Bankruptcy XXXX XXXX ( a ) ( XXXX ) : The bankruptcy discharge serves as an injunction against any further collection or reporting activity that implies the consumer still owes the debt. Reporting charged-off statuses after discharge violates this federal injunction. 

Action Taken : I received a discharge through Chapter XXXX Bankruptcy. 

I submitted disputes to all three credit bureaus demanding the removal or update of these accounts. 

The accounts still show charged off or past due, with balances, even though they were XXXX. 

This continued misreporting is hurting my credit standing, preventing me from rebuilding my financial life post-bankruptcy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-10 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: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple closed student loan accounts that continue to appear on my credit report, despite being over 10 years old and having no late payments. Under the Fair Credit Reporting Act ( FCRA ), most negative information, including closed accounts with no derogatory activity, should not be reported beyond 7 years from the date of final activity or delinquency. 

The following accounts are still being reported despite being closed, fully paid, and in some cases over 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 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 mos These accounts are closed, paid off, and show no late payments, yet they are still reflected in my credit file, affecting my score and public perception. I have tried disputing with the credit bureaus, but the items were not removed. 

I am requesting that the CFPB investigate this matter and compel the relevant credit reporting agencies and data furnishers to remove these outdated accounts immediately in accordance with the FCRA ( Section 605 ( a ) ). 

Thank you for your time and assistance in resolving this issue.

Company response to consumer: Closed with explanation