vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting Account : XXXX XXXX XXXX XXXX  I am formally disputing the accuracy and legality of the reporting of the above account. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure maximum possible accuracy and remove any unverifiable, inconsistent, or misleading information. This account violates multiple provisions of the FCRA and should be deleted immediately. 

1. Conflicting Account Status ( Violation of FCRA 1681e ( b ) ) Each bureau reports a different account status : TransUnion : Paid profit and loss / collection charge-off.

Experian : Unpaid balance reported as a loss by credit grantor.

Equifax : Paid charge-off.

An account can not simultaneously be paid and unpaid. These conflicting statuses demonstrate that the information is unreliable and fails the FCRAs maximum possible accuracy standard under 15 U.S.C. 1681e ( b ).

2. Improper Re-Aging and Continued Updating of a Paid Account ( Violations of FCRA 1681c ( a ) ( 4 ) - ( 5 ) and 1681e ( b ) ) The account shows a {$0.00} balance, yet the bureaus continue to update it as Charge-off/Collection as recently as XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( Equifax ). 
Once paid or settled, the account should not continue updating monthly as derogatory. This constitutes illegal re-aging and misrepresents the date of delinquency, violating 1681c ( a ) ( 4 ) - ( 5 ) ( prohibition against outdated or re-aged accounts ) and 1681e ( b ) ( accuracy ).

3. Inconsistent Dates of Last Payment and Activity ( Violation of FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ) ) Reported dates conflict across bureaus : TransUnion : Last Payment XX/XX/XXXX / Last Active XX/XX/XXXX Experian : Last Payment XX/XX/XXXX / Last Active XX/XX/XXXX Equifax : Last Payment XX/XX/XXXX / Last Active XX/XX/XXXX These discrepancies show the data is not being verified or maintained accurately, in violation of 1681e ( b ), and must be corrected or deleted upon reinvestigation as required by 1681i ( a ) ( 1 ) ( A ). 

4. Inconsistent High Credit Amounts ( Violation of FCRA 1681e ( b ) ) The same account lists different high credit amounts : TransUnion : {$3500.00} Equifax : {$800.00} These values can not differ for a single installment account and therefore fail the maximum possible accuracy requirement under 1681e ( b ).

5. Misleading Reporting of a Closed, Paid Account ( Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ) ) This account shows a XXXX  balance but is still coded Derogatory and Charge-off/Collection. Reporting a paid or closed account as currently derogatory is misleading and violates the furnishers duty to report accurate information under 1681s-2 ( a ) ( 1 ) ( A ) and the bureaus duty to ensure accuracy under 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account DetailsXXXX BANK XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to [Your Address/Email].\n\nSincerely,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 2025-10-22 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:
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 2025-10-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-22 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: FL

Complaint narrative:
Subject : Formal Request for Full Deletion ( Clean Sweep ) of All Accounts Under FCRA 611 Incorrect Name Reporting I am submitting this formal dispute regarding inaccurate and unverifiable information appearing on my credit reports. My correct legal name is XXXX XXXX XXXX, as confirmed by my enclosed government-issued identification and Social Security card . 
However, your records display my name incorrectly as XXXX XXXX and in some instances as XXXX XXXX. These are not my legal names. Therefore, any accounts, inquiries, or public records reported under these variations are inaccurate and unverifiable, and must be removed in their entirety under the Fair Credit Reporting Act ( 15 U.S.C.

1681i ) and FCRA 607 ( b ), which require maximum possible accuracy. 
I hereby demand a complete deletion ( clean sweep ) of all accounts, inquiries, and public records associated with any name other than XXXX XXXX XXXX Pursuant to FCRA 611 ( a ), you are required to reinvestigate and verify every listed account with the original creditors. If verification under my correct legal name can not be provided, each entry must be deleted immediately. 
Accounts to be deleted ( examples include but are not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX Bank XXXX. ) XXXX XXXX XXXX ( formerly XXXX ) XXXX XXXX XXXX Card Services ( XXXX  ) All other accounts, collections, inquiries, and public records appearing under any incorrect variation of my name. 
This letter serves as a formal notice that all accounts reported under the names XXXX XXXX or XXXX XXXX are not mine and must be removed unless verified under my true legal name, XXXX XXXX XXXX. 
You are required by law to complete this reinvestigation and provide written results within 30 days. Failure to do so will constitute willful noncompliance under FCRA 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Request for Full Deletion ( Clean Sweep ) of All Accounts Under FCRA 611 Incorrect Name Reporting I am submitting this formal dispute regarding inaccurate and unverifiable information appearing on my credit reports. My correct legal name is XXXX XXXX XXXX, as confirmed by my enclosed government-issued identification and Social Security card . 
However, your records display my name incorrectly as XXXX XXXX and in some instances as XXXX XXXX. These are not my legal names. Therefore, any accounts, inquiries, or public records reported under these variations are inaccurate and unverifiable, and must be removed in their entirety under the Fair Credit Reporting Act ( 15 U.S.C.

1681i ) and FCRA 607 ( b ), which require maximum possible accuracy. 
I hereby demand a complete deletion ( clean sweep ) of all accounts, inquiries, and public records associated with any name other than XXXX XXXX XXXX Pursuant to FCRA 611 ( a ), you are required to reinvestigate and verify every listed account with the original creditors. If verification under my correct legal name can not be provided, each entry must be deleted immediately. 
Accounts to be deleted ( examples include but are not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX Bank XXXX. ) XXXX XXXX XXXX ( formerly XXXX ) XXXX XXXX XXXX Card Services ( XXXX  ) All other accounts, collections, inquiries, and public records appearing under any incorrect variation of my name. 
This letter serves as a formal notice that all accounts reported under the names XXXX XXXX or XXXX XXXX are not mine and must be removed unless verified under my true legal name, XXXX XXXX XXXX. 
You are required by law to complete this reinvestigation and provide written results within 30 days. Failure to do so will constitute willful noncompliance under FCRA 616.

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 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
The are Discriminatory because they making false clams that i violated the terms and all i did open a account once but never used it because i got a better offer with a competitor and they decided to close it and 3 years later im trying open the account and now with them and gave me lame explanation. i have never made any fraud or stolen not eve XXXX XXXX from anybody all my services to my customers are 100 % genuine and honest hard earned money. accusing me of fraud without any evidence or prof or the opportunity of provide them with documentation to show my identity and other legal documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law. 



As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability. 



Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA. 



Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data. 



Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Thank you for your immediate attention to this matter. 



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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b'1) My claim is to report on XXXX XXXX XXXX I have a business checking account for seven years and on XXXX XXXX XXXX divide three unauthorized ACH withdrawal in total for 20 XXXX and on XXXX XXXX  there were two ACH withdraw from my saving account for a total amount of XXXX also an authorized and I have to mention that there has never been any withdrawals as such for any payments from this saving account. Thus far XXXX XXXX XXXX have denied my claim however its with higher position, decision makers, and yet for me too receive any update about my claim from them and the reason for their denial in the beginning.  \n\n2) my other claim is with JP Morgan Chase Bank which I have a personal checking account and on XXXX XXXX XXXX I mailed a check to United States treasury in the amount of XXXX. However, apparently the check was stolen and they had forged their name instead of the address C and had cashed it I found out almost 2 1/2 months after of the forged check and I informed the bank and I had to send another check to replace it. However, the bank has denied my claim for a reason of passed time to claim of three months however after checking my rights I dont know for forge checks. I have three years to claim I have to mention also on XXXX XXXX XXXX. I sent a check to the same entity in the same exact amount and was cashed correctly however, the bank is denying my claim on this one that was forged. I need your good office to help me recover this huge amount of loss which I cannot afford to lose.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

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 2025-10-22 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: NJ

Complaint narrative:
The account was satisfied by XXXX XXXX XXXX XXXX XXXX XXXX ) after a total vehicle loss on XX/XX/year>. XXXX paid {$5300.00} to XXXX XXXX XXXX on XX/XX/year>, closing the balance in full. 

Despite that, both XXXX XXXX XXXX and Credit Control , LLC continue to report a {$1200.00} balance and are attempting to collect on an invalid debt. This violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

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 2025-10-22 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The persistence of this account has negatively affected my peace of mind. Ive attached supporting evidence to confirm my request for its removal.

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