vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and illegal reporting of multiple charge-offs on my credit report related to XXXXXXXX XXXX  account XXXX. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as a creditor is legally permitted to charge off an account only once. Any subsequent charge-offs reported for the same account are misleading, inaccurate, and constitute unlawful multiple derogatory listings. 

Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Charge-Off Dates : XX/XX/XXXX Through XX/XX/XXXX According to the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information to consumer reporting agencies are responsible for ensuring that the data they report is accurate, complete, and not misleading. Reporting multiple charge-offs for the same account misrepresents my financial history and negatively impacts my creditworthiness. Furthermore, under Section 623 of the FCRA, the credit bureau is required to investigate and correct any inaccurate information within 30 days of receiving this dispute.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Tx, XXXX ] [ XXXX ] Subject : Credit Report Dispute Request To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable items on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ). As a consumer, I have the right to ensure that all information reported about me is 100 % accurate, verifiable, and timely. 

Below is a list of accounts that I am disputing. I request that each of these items be verified for accuracy and compliance with federal law or removed from my report immediately if they can not be properly verified. 

Disputed Accounts : XXXX XXXX XXXX  - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX ( CLOSED XXXX XXXX Account XXXX : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Past due balance, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion According to 15 U.S.C. 1681i ( a ), the credit bureau must conduct a reasonable investigation within 30 days and provide me with the results. If the information can not be verified, it must be removed from my credit file immediately. 

I have attached a copy of my credit report with the disputed items highlighted, as well as a copy of my identification for verification purposes. 

Please send a written response confirming the results of your investigation. If the disputed items are not removed or corrected, please provide me with the method of verification used to validate their accuracy. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Tx, XXXX ] [ XXXX ] Subject : Credit Report Dispute Request To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable items on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ). As a consumer, I have the right to ensure that all information reported about me is 100 % accurate, verifiable, and timely. 

Below is a list of accounts that I am disputing. I request that each of these items be verified for accuracy and compliance with federal law or removed from my report immediately if they can not be properly verified. 

Disputed Accounts : XXXX XXXX XXXX  - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX ( CLOSED XXXX XXXX Account XXXX : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Past due balance, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion According to 15 U.S.C. 1681i ( a ), the credit bureau must conduct a reasonable investigation within 30 days and provide me with the results. If the information can not be verified, it must be removed from my credit file immediately. 

I have attached a copy of my credit report with the disputed items highlighted, as well as a copy of my identification for verification purposes. 

Please send a written response confirming the results of your investigation. If the disputed items are not removed or corrected, please provide me with the method of verification used to validate their accuracy. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

Sincerely, [ 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # Date of Birth : XX/XX/1995 Current Address XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX XXXX DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After having disputed incorrect late payments on my XXXX XXXX XXXX account with Experian And TransUnion multiple times with no resolve, I disputed again with full documentation on my end as well as a request for proof of all late payments. Experian continues to respond to my disputes without providing information and proof I have requested and having not corrected clearly inaccurate payment status, I have statements to show payments were made on time.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally dispute certain information on my credit report under my rights provided by the Fair Credit Reporting Act, Section 609, and request that you investigate and correct any inaccurate or outdated accounts that are reported under my name. 

Upon reviewing my credit report, I have found the following account ( s ) Jefferson Capital Syst that I believe are inaccurate or outdated, and I am requesting that they be corrected or removed : Account Name : [ Jefferson Capital Syst Reason for Dispute : This account does not belong to me and have been on my credit report for far too long. It does not belong to me please remove from credit report I have no idea who it belongs to. This is due to a fraud or identity theft issue. 

As per my rights under the Fair Credit Reporting Act, I respectfully request that you investigate these accounts. If these accounts can not be verified, I request that they be removed from my credit report entirely. 

Please send me written confirmation of the results of your investigation. I would also like to receive an updated copy of my credit report once any necessary corrections have been made. 



Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] Enclosures :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> i opened a checking account with chase bank. 
That same day i deposited a XXXX issued check in the amount of {$8100.00}. 
By XXXX XX/XX/year> I was told by chase bank that the check was fraud and could Not be verified or validated however I was told by the issuing bank that the check has already been validated and verified and funds were sent to chase bank already. 
Ive called chase numerous times only to be met with attitudes from their representatives unwilling to help. 
I am currently homeless and do not have an address which was the next issue. Because chase canceled my account once I am finally able to receive those funds bank theyre going to try to mail out a cashiers check which is not an option and they will not provide me with any other options. 
Ive since asked for the original check back but they refuse to give it. 
I cant help but to feel like this is a case of racism because there is absolutely no reason for the account to have been closed that quickly, for chase to accuse me of fraud or for the funds to be held when theyve already been sent to the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NJ

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One account was charged off, as it state on my XXXX credit report. Which whenever an account has been changed off it should not be reported on a consumers credit report as well a write off. The company did not send me a 1099 C form after they charged off the credit as well as reporting a charged off on my report that's considered fraud. Under the FCRA, I'm entitled to seek statutory damages if a creditor furnishes inaccurate information about a debt, such as inaccurately reporting a charge off. While still claiming I owe the debt. I would like to receive my 1099-C form as well as it removed from my credit report. I can sue capital One for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXX XX/XX/year>2025 XXXX XX/XX/year>2025 XXXXXXXX  XXXX/XXXX/2025

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX submitted a Certificate of reinsertion request to Transunion in regards to an acct # XXXX. Ive submitted several identity theft reports in regards to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CO

Complaint narrative:
I am trying to lift a temporary freeze on my Equifax account. I set up a login to do the freeze last year, but any time I try to log in it says they are unable to process my request and I have to call them. Then when I call them they say they are unable to verify my identity. Basically means Equifax has locked me out of my own credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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