vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX  {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that these accounts have been permanently deleted from all credit files you maintain. 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 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX filed with the credit bureaus. XXXX XXXX XXXX, and XXXX, as well as any other agency known or unknown negative information without validation nor did assetcare give notice of the actions for collection until well after their adverse actions until well after the fact. I received correspondence from.Assestcare on XX/XX/year>, giving me notice that I can dispute this information way after reporting it to the credit bureaus without any attempt to validate such debt. In violation, 15 USC 1692 as well FDCPA and any applicable laws or guidelines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
Issue : Billing dispute/Chargeback Incorrect investigation of non-delivery dispute Transaction Amount : {$3900.00} Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Number XXXX # XXXX Date of Transaction : XX/XX/year> Description of the Problem I am filing this complaint against Chase Bank for their failure to properly investigate my chargeback dispute for a {$3900.00} transaction with XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, dated XX/XX/year> ). I disputed the charge due to non-delivery of goods, but Chase upheld the charge as valid based on incorrect evidence provided by XXXX, which referenced Order # XXXX instead of # XXXX as shown This oversight violates federal regulations, and I request a re-review and refund of the charge. 
Details of the Issue 1. Incorrect Order Number : XXXX evidence, including a XXXX delivery confirmation ( tracking number XXXX, delivered XX/XX/year> ) and an affidavit from XXXX Plus XXXX claiming pickup by XXXX XXXX on XX/XX/year> ( XXXX, Page XXXX ), pertains to Order # XXXX, not my Order # XXXX. This discrepancy renders the evidence irrelevant to my dispute, yet Chase relied on it to deny my claim.

2. Non-Delivery : I did not receive the goods associated with Order # XXXX, nor did I authorize anyone, including XXXX XXXX, to sign for or pick up the package at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Had Chase verified the correct order number, they would have found no valid delivery evidence for my transaction as the merchant had the item in their possession in the entire time.

3. Failure to Investigate Properly : Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), Chase is required to conduct a reasonable investigation of billing disputes. If the transaction involved a debit card or ACH, Regulation E ( 12 C.F.R. 1005.11 ) mandates a thorough investigation within 10 business days. Chases failure to notice the order number discrepancy ( # XXXX vs. # XXXX ) indicates an inadequate review, violating these regulations and CFPB guidelines for fair dispute resolution. 

Impact Chases erroneous decision has caused me financial harm, as I am responsible for a {$3900.00} charge for goods I never received. Their failure to verify the correct order number has unfairly favored the merchant, despite clear evidence of a mismatch in XXXX  documentation. 
Requested Resolution I request that the CFPB direct Chase to : 1. Reopen and thoroughly re-investigate my dispute for XXXX # XXXX, verifying the correct order number and delivery status.

2. Refund the full {$3900.00} charge to my account.

3. Provide a written explanation of the re-review findings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
CFPB, I, XXXX XXXX, on XX/XX/XXXX, am submitting this formal complaint regarding an inaccurately reported XXXX Bank account that has remained on my Equifax and Experian credit reports, despite being closed since XXXX and disputed multiple times. The continued and inconsistent reporting of this account constitutes a violation of federal and state consumer protection laws. 

Summary of Issues Regarding XXXX Bank Account ( Closed Since XXXX ) The XXXX account has been closed since XXXX, yet both Equifax and Experian continue to report active payment history and monthly updates in the year of XXXX, which is misleading and inaccurate. 
Also, this account is being reported as a paid charge off which is inaccurate and will be reported to the IRS for any inaccurate tax reporting. Also, XXXX has yet to send me any tax documentation pertaining to this account. 
There is a 24-month payment history being reported by Equifax on this closed account, which violates the principle of maximum possible accuracy under the law. 

Experian 's Payment History Guide shows the following negative history : 30 days past due XXXX XXXX  60 days past due XXXX XXXX  90 days past due XXXX XXXX 120 days past due XXXX & XXXX XXXX 150 days past due XX/XX/XXXX Charge-Off XX/XX/XXXX Equifax is reporting 150-day delinquencies for XXXX, XXXX, and XX/XX/XXXX, which in inaccurate reporting and contradicts Experians record and inflates the derogatory impact of this tradeline. 
These inconsistencies show that Equifax and Experian are not reporting the same factual data, despite the same account and time frame. 
Both credit bureaus are continuing to update this account, even though it has been closed for over seven years, with no permissible purpose to maintain active updates.

Legal Violations The continued and inconsistent reporting violates the following consumer protection laws : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy in credit reporting.

FCRA 1681i ( a ) : Failure to reasonably investigate and correct disputed information.

FCRA 1681s-2 ( b ) : Furnishing of information known to be inaccurate.

California Civil Code 1785.14 ( b ) : Failure to remove inaccurate or unverifiable data within 30 days of dispute.

California Civil Code 1785.16 : Prohibits reporting information known to be false or disputed.

Request for Action I respectfully included copies of my Equifax and Experians XXXX account history. I request that the XXXX XXXX account be permanently removed from both my Equifax and Experian credit reports due to : Conflicting and inaccurate payment history data Continued updates on a long-closed account Misleading delinquency notations Documented dispute history with no resolution This account is being maintained in a way that misrepresents my creditworthiness and violates my rights under both federal and California law XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MO

Complaint narrative:
I submitted written disputes to all three credit bureaus ( TransUnion, Experian, and Equifax ) regarding several inaccurate items on my credit report. Over 45 days have passed. 

TransUnion and Experian responded with stall letters instead of conducting a proper investigation. Equifax never responded at all, violating the 30-day requirement under FCRA 611 .

The disputed items include : Two duplicate tradelines from XXXX XXXX XXXX, reporting the same debt twice with slight differences in balance. 

A 10-year-old bankruptcy that is still reporting and showing up twice on the report. Under FCRA and federal guidelines, a XXXX  7 bankruptcy should be removed after 10 years and can not be duplicated. 

Accounts from XXXX XXXX XXXX and XXXX XXXX, which are not verified, and still remain despite frozen third-party verification sources like XXXX and XXXX. 

One of the XXXX accounts had its balance increased after the dispute was submitted, which is a clear violation of FCRA 623. 

I requested the method of verification and supporting documentation for each of these accounts and received no proof or proper response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MO

Complaint narrative:
I submitted written disputes to all three credit bureaus ( TransUnion, Experian, and Equifax ) regarding several inaccurate items on my credit report. Over 45 days have passed. 

TransUnion and Experian responded with stall letters instead of conducting a proper investigation. Equifax never responded at all, violating the 30-day requirement under FCRA 611 .

The disputed items include : Two duplicate tradelines from XXXX XXXX XXXX, reporting the same debt twice with slight differences in balance. 

A 10-year-old bankruptcy that is still reporting and showing up twice on the report. Under FCRA and federal guidelines, a XXXX  7 bankruptcy should be removed after 10 years and can not be duplicated. 

Accounts from XXXX XXXX XXXX and XXXX XXXX, which are not verified, and still remain despite frozen third-party verification sources like XXXX and XXXX. 

One of the XXXX accounts had its balance increased after the dispute was submitted, which is a clear violation of FCRA 623. 

I requested the method of verification and supporting documentation for each of these accounts and received no proof or proper response.

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 2025-07-11 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: LA

Complaint narrative:
I am writing to formally request the immediate investigation and removal of inaccurate and fraudulent information from my credit report resulting from identity theft. 

I recently reviewed my credit reports from the major credit bureaus and discovered several accounts and/or inquiries that I did not authorize or open. These items are not associated with any financial activity I have conducted and are clearly the result of identity theft. 
I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate information be removed or blocked from my credit report immediately. I also request written confirmation from the CFPB once these items have been addressed and removed by the relevant credit reporting agencies. 

Please consider this matter urgent, as this inaccurate reporting is negatively affecting my credit standing and financial well-being. 

Thank you for your time and prompt 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 explanation
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I am writing to formally request the immediate investigation and removal of inaccurate and fraudulent information from my credit report resulting from identity theft. 

I recently reviewed my credit reports from the major credit bureaus and discovered several accounts and/or inquiries that I did not authorize or open. These items are not associated with any financial activity I have conducted and are clearly the result of identity theft. 
I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate information be removed or blocked from my credit report immediately. I also request written confirmation from the CFPB once these items have been addressed and removed by the relevant credit reporting agencies. 

Please consider this matter urgent, as this inaccurate reporting is negatively affecting my credit standing and financial well-being. 

Thank you for your time and prompt 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 2025-07-11 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: SD

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
AFFIRM XXXX XXXX * * Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} AFFIRM XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: SD

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
AFFIRM XXXX XXXX * * Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} AFFIRM XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$6800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I recently viewed my consumer report and noticed the following unauthorized hard inquiries reporting in violation of 15 USC 1681b ( Permissible purpose of consumer reports )

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 2025-07-11 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:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
In or around [ insert month and year ], I discovered that XXXX XXXX-related entries were being reported to the credit bureaus by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) under my name. I have not received a valid contract bearing my signature authorizing the XXXX to report any such alleged debt to credit reporting agencies. 

There is no signed agreement, sworn affidavit, or court order establishing that I consented to or was properly notified of this alleged debt or its reporting. This appears to be an attempt to collect on a debt without proper validation, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple formal requests, the XXXX has failed to produce : A signed contract obligating me to pay, An accounting of the alleged debt ( including principal, interest, and federal matching funds ), or Any judicial ruling or legal validation confirming the debt. 

This reporting has harmed my credit, limiting access to housing, transportation, and employment opportunities. I demand a full investigation and immediate removal of this unverified and damaging entry.

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