vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
* * Consumer Financial Protection Bureau ( CFPB ) Complaint * * * * Date : * * XX/XX/XXXXXXXX XXXX XXXX XXXX * To : * * [ ] XXXX [ ] Equifax [ ] XXXX * * Address : * * ___________________________ * * To Whom It May Concern, * * I am formally disputing the reporting of the following account as it appears on my credit report. Upon close inspection, this account is not being reported in full compliance with Metro 2 data formatting standards and violates several provisions of the Fair Credit Reporting Act ( FCRA ). I am requesting its immediate deletion from my file. 

* * Disputed Account Information : * * - * * Creditor : * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  * Account Number : * * Ending in XXXX XXXX XXXX XXXX XXXXype : * * Credit Card / Revolving - * * Account Status : * * Charge-Off - * * Balance : * * {$1100.00} | * * Credit Limit : * * {$1000.00} - * * Date Opened : * * XX/XX/XXXX - * * Date of First Delinquency : * * XX/XX/XXXX - * * Date Reported : * * XX/XX/XXXX * * The following Metro 2 violations apply : * * - Inaccurate balance reporting : account is charged off but still lists an active, over-limit balance - No 'Date of Last Activity ' furnished - Missing 'Original Creditor ' field value - Failure to report appropriate 'Account Status ' with corresponding Compliance Condition Code - No 'Activity Designator ' or indication of collection transfer ( if sold or assigned ) - Failure to report Consumer Information Indicator ( CII ) as XXXX ' during dispute process - Balance exceeds credit limit with no context provided ( over-utilization violation ) * * Legal Compliance Violations : * * - * * FCRA 609 ( a ) : * * I request full verification including original signed application/contract - * * FCRA 611 ( a ) : * * Any unverifiable or inaccurate item must be deleted - * * FCRA 623 ( a ) ( 5 ) : * * Date of First Delinquency must be accurately reported - * * FCRA 1681s-2 : * * Furnishers must not report inaccurate data knowingly or through negligence I am demanding the permanent deletion of this account due to the above violations. Please complete your reinvestigation within the legally allotted 30 days and mail a written response confirming deletion. Continued reporting of this item in its current state will result in escalation to the CFPB and/or legal enforcement for willful noncompliance. 

* * Sincerely, * * * * Full Name : * * XXXX XXXX * * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
* * Consumer Financial Protection Bureau ( CFPB ) Complaint * * * * Date : * * XX/XX/XXXX * * To : * * [ ] XXXX XXXX XXXX XXXX  [ ] TransUnion * * Address : * * ___________________________ * * To Whom It May Concern, * * I am formally disputing the reporting of the following account as it appears on my credit report. Upon close inspection, this account is not being reported in full compliance with Metro 2 data formatting standards and violates several provisions of the Fair Credit Reporting Act ( FCRA ). I am requesting its immediate deletion from my file.

* * Disputed Account Information : * * - * * Creditor : * * XXXX XXXX XXXX XXXX Credit - * * Account Number : XXXX XXXX  Ending in XXXX XXXX XXXX XXXX  Type : * * Credit Card / Revolving - * * Account Status : * * Charge-Off - * * Balance : * * {$1100.00} | * * Credit Limit : * * {$1000.00} - * * Date Opened : * * XX/XX/XXXX - * * Date of First Delinquency : * * XX/XX/XXXX - * * Date Reported : * * XX/XX/XXXX * * The following Metro 2 violations apply : * * - Inaccurate balance reporting : account is charged off but still lists an active, over-limit balance - No 'Date of Last Activity ' furnished - Missing 'Original Creditor ' field value - Failure to report appropriate 'Account Status ' with corresponding Compliance Condition Code - No 'Activity Designator ' or indication of collection transfer ( if sold or assigned ) - Failure to report Consumer Information Indicator ( CII ) as XXXX ' during dispute process - Balance exceeds credit limit with no context provided ( over-utilization violation ) * * Legal Compliance Violations : * * - * * FCRA 609 ( a ) : * * I request full verification including original signed application/contract - * * FCRA 611 ( a ) : * * Any unverifiable or inaccurate item must be deleted - * * FCRA 623 ( a ) ( 5 ) : * * Date of First Delinquency must be accurately reported - * * FCRA 1681s-2 : * * Furnishers must not report inaccurate data knowingly or through negligence I am demanding the permanent deletion of this account due to the above violations. Please complete your reinvestigation within the legally allotted 30 days and mail a written response confirming deletion. Continued reporting of this item in its current state will result in escalation to the CFPB and/or legal enforcement for willful noncompliance. 

* * Sincerely, * * * * Full Name : XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX * * SSN ( Last XXXX ) : XXXX XXXX XXXX XXXX XXXX Phone : 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 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'Hi Officer. \nMy partner used my name and Social Security number without my consent to open a Citibank credit card. I did not authorize this. I discovered this only after seeing the debt on my credit report. I want this removed and my credit pro. \n\nPlease contact me : 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 2025-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I recently reviey a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviey a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that i did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removd from my Credit Report. 

Account name / Account number XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-05-28 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX * * * * * * Balance Owed : {$0.00} late payment of XXXX and XXXX  days ( delete ) XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} late payment of XXXX, XXXX, XXXX, 120 days in XXXX to XX/XX/XXXX ( delete ) XXXX XXXX XXXXXXXX * * * * Balance Owed : {$0.00} late payment in XX/XX/XXXX ( delete ) I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-28 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: RI

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX * * * * * * Balance Owed : {$0.00} late payment of XXXX and XXXX  days ( delete ) XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} late payment of XXXX, XXXX, XXXX, 120 days in XXXX to XX/XX/XXXX ( delete ) XXXX XXXX XXXXXXXX * * * * Balance Owed : {$0.00} late payment in XX/XX/XXXX ( delete ) I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CL Holdings LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, attached correspondence was sent to resolve an account with XXXXXXXX XXXX XXXX in the amount of {$850.00}. A payment arrangement was made to settle the account and was paid on XX/XX/XXXX in the amount of {$470.00}. 
The correspondence states that Our Policy is that we will request the credit bureaus delete our tradeline approximately 30 days after the final payment has been posted that resolves the account. 
The account is still actively being reported to XXXX with a balance still due, instead of the tradeline being deleted. Multiple outbound calls were made to Jefferson Capital Systems, and I was told to keep disputing with XXXX. I spoke with XXXX ( Agent ID XXXX ) today that said that Jefferson Capital Systems is showing the information is accurate. Jefferson Capital Systems agents keep informing me to contact XXXX  and keep disputing. 
The tradeline needs removed entirely from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, This is a formal notice regarding your failure to comply with my block and delete request under 15 USC 1681c2. The fraudulent accounts listed in my dispute remain on my credit report despite the four-business-day requirement mandated by law.

If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Sincerely, 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 2025-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: MN

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-28 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: MA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Original charge off was over XXXX  years ago from original creditor. Collection agencies have been selling account to other collectors, claiming it's a new charge off account, extending the legal XXXX  year deletion. Credit repair company deleted the XXXX accounts off of all XXXX credit bureaus years ago. Collection agencies i.c. system inc. and XXXX XXXX claiming they are recent charge offs for attempts to collect from old accounts. I demand these accounts be removed from all XXXX credit bureaus immediately and stop selling over XXXX XXXX XXXX charged off accounts to other agencies.

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 2025-05-28 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: OneMain Finance Corporation
State: TX

Complaint narrative:
b'Please I would like this hard inquiry remove immediately I didnt not authorized this \XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am disputing {$530.00} in unauthorized recurring charges from XXXX XXXX for their XXXX XXXX XXXXubscription, billed from XX/XX/XXXX to XX/XX/XXXX, to my Chase Sapphire card ending in XXXX. 

I never knowingly activated or used XXXX XXXX XXXX XXXX Their emails failed to clearly identify the subscription, instead using vague subject lines like your free trial has ended and promotions offering a " $ XXXX extension. '' I did not use any XXXX XXXX features during this entire periodas confirmed in my XXXX sales dashboard, which shows {$0.00} in total sales, no archived products, no customer activity, and only a single test product ever listed. 

XXXX has acknowledged and issued one partial refund of {$89.00}, but refuses to refund the remaining charges despite clear evidence of non-use and confusion around consent. Their justification relies on Terms of Service boilerplate, not evidence of informed consent. 

I also attempted to dispute these charges with Chase, but after a 40-minute call to their disputes line ( XXXX ), I was disconnected with no ability to file the dispute. I have a screenshot showing the call duration. 

XXXX practices likely violate the Restore Online Shoppers Confidence Act ( ROSCA ) by charging without clear, conspicuous disclosures or a simple cancellation method. Chases failure to provide an alternative dispute channel violates the spirit of Regulation Z under the Truth in Lending Act. 

I am requesting that all remaining unauthorized XXXX XXXX  charges be reversed, and that XXXX be investigated for deceptive billing practices.

Company response to consumer: Closed with explanation