vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-12 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I have 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year> I sent an online domestic wire transfer in the amount of {$100000.00} from my Chase checking account to a Chase recipient account I believed to be a family member 's. The account number for the recipient was off by one digit ( the last digit of the account had been mistyped ). Upon discovering the mix-up about two hours later on XX/XX/year> ( the same date as the wire initiation ) I called Chase and filed a wire recall with the wire investigations team. I was told that the recall is usually resolved in up to 10 business days at which point I would receive the funds back to my account. Today is XX/XX/year> and I still have not received the {$100000.00} funds back to my account. I have called Chase weekly and sometimes 2-3x per week and keep being told " there is no update from the back office at this time in regards to the return of funds. '' I know that Chase received the approval from the recipient to debit the {$100000.00} on XX/XX/year>, and that the Chase claims department received the funds back on XX/XX/year>. This is criminal and completely unacceptable to hold my money since XX/XX/year> and not give me an update or reasoning for why the {$100000.00} has not been returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ACCOUNTS : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-12 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : INQUIRIES : XXXX XXXX Date : XXXX/XXXX/25

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal dispute and complaint regarding a derogatory account being reported on my XXXX  credit report by Credit Corp Solutions ( Account Number : XXXX ) in the amount of {$1300.00}. This account is being reported without my knowledge, authorization, or any substantiating documentation to validate the alleged debt. I have never entered into any agreement or contract with Credit Corp Solutions nor have I received any validation of the debt from them, despite my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I am demanding that this account be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This letter serves as my formal notice of dispute and demand for deletion of the inaccurate, unverifiable, or non-compliant data you are currently reporting under my consumer credit file. 

If you continue to disregard your obligations to provide certifiable, verifiable, and lawful proof of accurate reporting, consider this your final warning before I take further legal action, including petitioning a civil court for review. 

I am the injured party in this matter. I dispute your assumed right to report any item listed below unless you can prove it was reported in strict adherence to all applicable laws, including but not limited to the FCRA, FCBA, ECOA, and Metro 2 reporting standards as outlined by the CDIA.

Your records must meet the legal requirements of accuracy, timeliness, completeness, ownership, and permissible purpose. Any failure to do so is a direct violation of 15 USC 1681, and I intend to hold your organization accountable. 

Concerning Reinserted Data : If any item previously deleted has been re-reported without giving me written notice within 5 business days, you have violated FCRA 1681i ( a ) ( 5 ) ( B ). I have not received such notice. Reinsertion of unverifiable data without notice is unlawful and will not be tolerated. 

Disputed Inquiries ( Unverified / No Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Demands : Immediately DELETE all inaccurate, unverifiable, incomplete, or non-compliant items listed above.

Provide documented proof of Metro 2 compliance for each item reported.

Confirm whether your company has the legal authority and permissible purpose to report or share this data.

Deliver an updated and corrected credit report reflecting only factually accurate, fully verified, and lawful data within 30 days of receipt of this letter.

Failure to comply may lead to legal claims for willful noncompliance, statutory damages under FCRA 1681n, and formal complaints with the CFPB, FTC, and State Attorney General.

You are now on official notice. I expect immediate action to resolve these issues.

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 2025-06-12 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: TX

Complaint narrative:
This letter serves as my formal notice of dispute and demand for deletion of the inaccurate, unverifiable, or non-compliant data you are currently reporting under my consumer credit file. 

If you continue to disregard your obligations to provide certifiable, verifiable, and lawful proof of accurate reporting, consider this your final warning before I take further legal action, including petitioning a civil court for review. 

I am the injured party in this matter. I dispute your assumed right to report any item listed below unless you can prove it was reported in strict adherence to all applicable laws, including but not limited to the FCRA, FCBA, ECOA, and Metro 2 reporting standards as outlined by the CDIA.

Your records must meet the legal requirements of accuracy, timeliness, completeness, ownership, and permissible purpose. Any failure to do so is a direct violation of 15 USC 1681, and I intend to hold your organization accountable. 

Concerning Reinserted Data : If any item previously deleted has been re-reported without giving me written notice within 5 business days, you have violated FCRA 1681i ( a ) ( 5 ) ( B ). I have not received such notice. Reinsertion of unverifiable data without notice is unlawful and will not be tolerated. 

Disputed Inquiries ( Unverified / No Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Demands : Immediately DELETE all inaccurate, unverifiable, incomplete, or non-compliant items listed above.

Provide documented proof of Metro 2 compliance for each item reported.

Confirm whether your company has the legal authority and permissible purpose to report or share this data.

Deliver an updated and corrected credit report reflecting only factually accurate, fully verified, and lawful data within 30 days of receipt of this letter.

Failure to comply may lead to legal claims for willful noncompliance, statutory damages under FCRA 1681n, and formal complaints with the CFPB, FTC, and State Attorney General.

You are now on official notice. I expect immediate action to resolve these issues.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have disputed a collection account for an apartment I never lived in. The unit number tied to the debt is incorrect. I submitted proof in the form of a lease and utility bill to XXXX  and to the collection agency ( Genesis/Columbia Debt Recovery ) . After receiving the documentation, the collection agency stopped responding. XXXX  and XXXX  deleted the account after reviewing the same evidence. XXXX, however, continues to report the debt as verified. 

I am aware that XXXX  was recently sued by the CFPB for failure to remove false or inaccurate information from reports. This is consistent with my experience. 

I am requesting the immediate removal of the account and the method of verification used to support its continued reporting. 

I have attached my last dispute letter to XXXX  with ALL information they requested as well as the letter from the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
The credit card balances below are not correct and these accounts are paid in full. 

XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX + {$270.00} In good standing XXXX Reported : XXXXXXXX XXXX XXXX + {$1900.00} In good standing XXXX  Reported : XX/XX/year> + {$220.00} In good standing XXXX Reported : XX/XX/year> + {$360.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$130.00} In good standing XXXX Reported : XX/XX/year> + {$230.00} In good standing XXXX, XXXX Reported : XX/XX/year> + {$1600.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$4200.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$4100.00} In good standing XXXX Reported : XX/XX/year> + {$630.00} In good standing XXXX XXXX XXXX Reported : XX/XX/year> + {$2000.00} In good standing XXXX Reported : XX/XX/year> + {$21.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$5.00} In good standing XXXX Reported : XX/XX/year> + {$370.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$12.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$290.00} In good standing XXXX Reported : XX/XX/year> + {$570.00} In good standing XXXX  Reported : XX/XX/year> + {$520.00} In good standing

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 2025-06-12 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: TX

Complaint narrative:
The credit card balances below are not correct and these accounts are paid in full. 

XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX + {$270.00} In good standing XXXX Reported : XXXXXXXX XXXX XXXX + {$1900.00} In good standing XXXX  Reported : XX/XX/year> + {$220.00} In good standing XXXX Reported : XX/XX/year> + {$360.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$130.00} In good standing XXXX Reported : XX/XX/year> + {$230.00} In good standing XXXX, XXXX Reported : XX/XX/year> + {$1600.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$4200.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$4100.00} In good standing XXXX Reported : XX/XX/year> + {$630.00} In good standing XXXX XXXX XXXX Reported : XX/XX/year> + {$2000.00} In good standing XXXX Reported : XX/XX/year> + {$21.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$5.00} In good standing XXXX Reported : XX/XX/year> + {$370.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$12.00} In good standing XXXX XXXX Reported : XX/XX/year> + {$290.00} In good standing XXXX Reported : XX/XX/year> + {$570.00} In good standing XXXX  Reported : XX/XX/year> + {$520.00} In good standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have had my Target Master Card for many years. After Target " rebuilt '' their card payment site about 6 or more months ago, I can no longer engage the Auto Pay function. The button is on the site, but it is grayed out, so you can not set automatic payments up any more. I have called 6 times, and each of the different representatives initially act surprised, or apologetic, and then place me on hold only to eventually tell me that they are going to escalate the issue and they will get back to me, but they have never responded. There are many others online stating the same issue, and receiving late payment fees because we are all under the impression that our Auto Pay is set up as it has always been. I believe they are totally aware of the problems this is causing, and I also believe it is a way for Target to charge their customers late fees knowing full well that customers will assume everything is the same as it has always been once their Auto Pay was set up. They know that people will believe their automatic payments are being made, and they will forget about it until they start receiving late payment notices and late fees. I believe that my bank link is still in the Target system which I am concerned about, so why can I not set up the Auto Pay function?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX - XXXX XXXX  Account Number XXXX Balance : {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$710.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account Number XXXX Balance : {$690.00} Open Date XX/XX/XXXX XXXX  XXXXXXXX XXXX  XXXX Account Number XXXX Balance : {$660.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$450.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$820.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$280.00} Open Date XX/XX/XXXX XXXX  XXXX Account Number XXXX Balance : {$8900.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$860.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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