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

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am filing a complaint against Stellantis Financial Services regarding my vehicle loan. My vehicle has been in and out of the service department and has not been properly fixed. I stopped making payments because I did not have possession of the vehicle and it was undrivable for long periods. Despite this, my credit was reported with late payments, and now the vehicle is out for repossession. 

I contacted Stellantis Financial multiple times to request help, including payment assistance, reinstatement options, or a possible exchange, but I was told they are only the financial services provider and that they can not do anything. They did not offer any real solutions or next steps and gave no information about resolving the account. I feel this is unfair, especially since Ive been charged for a vehicle I could not use. I also filed a XXXX complaint, which was closed because XXXX XXXX XXXX XXXX or their sister store they picked the car up from XXXX XXXX never responded. 

Im asking for this situation to be reviewed and for the negative credit marks to be removed since I did not have access to the vehicle and received no real help from the lender.

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 2025-06-06 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check on XX/XX/year> at a atm machine at Chase Bsnk. The amount is for {$1500.00}. A hold was put on the check until XX/XX/year> when it is released.i called several times on XXXX XX/XX/XXXX and today XX/XX/XXXX. Service specialist from Chase Bank contacted the issuing bank for the check. The bank is XXXXXXXX XXXX in XXXX Pennsylvania. The Chase telephone specialist spoke to a XXXX XXXX emoloyee who refused to give out any information regarding this made out to me. 
The check is a legal settlement check. The telephone Chase emoloyee said I have to wait until XX/XX/XXXX when the hold on my check is released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-06 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:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to XXXXEquifaxXXXX requesting that they delete the inaccurate information on the account. XXXX/Equifax/XXXX responded , stating all information on my credit report was verified, valid, and accurate. I have now sent a correspondence listing the inaccuracy, and I demand that this account be deleted from my report immediately. Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report related to my XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX. Upon review, I identified several discrepancies regarding the payment history.

Inaccuracies identified : The report inaccurately lists 6 instances of 30-day late payments and 1 instance of a 60-day late payment. I have made these payments on time, and these late entries are incorrect.

Additionally, the report incorrectly shows " No data available '' for several months, which does not reflect my payment history.

Number of Violations : Total Violations : 7 Amount per Violation : {$500.00}
( based on the consumer 's rights under the FCRA ) Total Violations Amount : {$3500.00} Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), particularly Section 1681i and Section 1681e ( b ), credit bureaus are required to maintain accurate information. The reporting of inaccurate late payments on this account is a violation of these sections.

I respectfully request that you conduct a thorough investigation into this dispute and remove the erroneous late payment entries from my credit report. If the information can not be verified, I request that you delete the account entirely from my credit report. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX SS # : 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 2025-06-06 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX, and an installment account opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Private Case Number 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-06 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 am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX, and an installment account opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Private Case Number 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion block and remove information from my credit report resulting from identity theft and fraud. The fraudulent accounts appearing on my report were not opened, used, or authorized by me. 

Specifically, these include collections and charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX anXXXX XXXX XXXXall of which I have no legal or financial relationship with. Additionally, duplicate reporting by XXXX XXXX and an auto loan from XXXX XXXX XXXX appear falsely attributed to me. These entries have also triggered unauthorized hard inquiries, compounding the harm. 

These fraudulent items have caused significant damage to my credit standing. Ive attached a full list of the disputed entries, a copy of my FTC Identity Theft Report, identification, and supporting credit documentation.

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 2025-06-06 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: PA

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion block and remove information from my credit report resulting from identity theft and fraud. The fraudulent accounts appearing on my report were not opened, used, or authorized by me. 

Specifically, these include collections and charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX anXXXX XXXX XXXXall of which I have no legal or financial relationship with. Additionally, duplicate reporting by XXXX XXXX and an auto loan from XXXX XXXX XXXX appear falsely attributed to me. These entries have also triggered unauthorized hard inquiries, compounding the harm. 

These fraudulent items have caused significant damage to my credit standing. Ive attached a full list of the disputed entries, a copy of my FTC Identity Theft Report, identification, and supporting credit documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-06 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: SC

Complaint narrative:
I have been a full-time student, getting my masters. The company XXXX XXXX reported my account 90 days late in error. A person who is attending school full-time, does not have to make payments, while in school. XXXX XXXX had brought my account to active and not late. The problem is, we are selling our house and the closing is on XX/XX/year>. The credit agency, Experian, has refused to update my credit. This is detrimental, I do not have a house for my family because of this mistake! I have no where to go, and my kids have no where to sleep. I have disputed the error, I have called them 36 times, I received confirmation that they have been notified, yet it is still on my report. I have done everything, this is seriously impacting my family and I lives!

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been a full-time student, getting my masters. The company XXXX XXXX reported my account 90 days late in error. A person who is attending school full-time, does not have to make payments, while in school. XXXXXXXX XXXX had brought my account to active and not late. The problem is, we are selling our house and the closing is on XX/XX/year>. The credit agency, XXXX, has refused to update my credit. This is detrimental, I do not have a house for my family because of this mistake! I have no where to go, and my kids have no where to sleep. I have disputed the error, I have called them 36 times, I received confirmation that they have been notified, yet it is still on my report. I have done everything, this is seriously impacting my family and I lives!

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 2025-06-06 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : account number, type detail, account status, credit limit, date of last activity, date opened and comments. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : credit report, Additionally, I request that you correct my personal information : My only legal name is XXXX XXXX and my only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If any other name or address appears on my credit file, it is incorrect, not mine, and must be removed immediately.

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 2025-06-06 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with explanation