vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, Trans Union and XXXX  have stolen my identity and using incorrect information under my Social Security numbers so I feel like my identity has been stolen..

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 2025-07-18 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 complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX.... AND XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I made a payment of {$3100.00} to a company called XXXX, after attending what I believed was an opportunity for modeling. I was misled and rushed into signing their policy agreement without fully understanding the terms. I authorized the payment under the impression that this was a legitimate opportunity, but within just a few hours, I realized it was not what I was led to believe. 

That same day ( XX/XX/XXXX ), I contacted XXXX by email to cancel and requested a refund. I also contacted Chase to report the issue. However, because the charge was still pending, I was informed that I had to wait until it posted. Once the charge posted on XX/XX/XXXX, I immediately called Chase again on XX/XX/XXXX to formally file the dispute. 

Despite cancelling immediately and never receiving any services or classes from XXXX ( only an interview ), the company stalled for several days without processing the cancellation. Their own policy claims customers are eligible for a refund if cancellation is made within 3 days, but they delayed communication long enough to push past that window. I did not use or receive anything beyond the initial pitch/interview. 

Chase issued a temporary credit but eventually reversed the funds on XX/XX/year>, claiming the charge was authorized. I never denied that I made the payment, I explained that I was misled into it and canceled immediately. The reversal ignored the fact that I received no services and acted in good faith by contacting both parties right away. 

I believe this is an unfair outcome and I am requesting the CFPB to help me reopen this issue and ensure it is reviewed fairly. I followed the correct steps and timeline. The merchant took advantage of misleading tactics, ignored my cancellation, and Chase failed to properly protect me from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-07-18 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the items listed below. I am firmly convinced that the reporting of these items is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these items, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the items that I request to be investigated and updated : XXXX XXXX XXXX XXXX, PA  XXXX XXXX XXXX XXXX XXXX, PA  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  Balance {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6300.00} XXXX  XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2024 XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the items listed below. I am firmly convinced that the reporting of these items is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these items, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the items that I request to be investigated and updated : XXXX XXXX XXXX XXXX, PA  XXXX XXXX XXXX XXXX XXXX, PA  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  Balance {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6300.00} XXXX  XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2024 XXXX XX/XX/2024

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 2025-07-18 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX ( XXXX ) for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by furnishing inaccurate and inconsistent information about my XXXX XXXX XXXX  account ( # XXXX ) to the major credit bureaus. This account was opened on XX/XX/XXXX, and closed by XXXX ( the credit grantor ) shortly after, despite my exceptional payment history and no late payments. The reporting is grossly inaccurate across bureaus, which is suppressing my credit scores and causing financial harm, including potential denials of credit. 

Specific issues and violations : Inconsistent Balance Reporting : On my Equifax and TransUnion reports ( dated XX/XX/XXXX ), the account shows a balance of {$6100.00} on a {$6000.00} credit limit ( over-limit by {$160.00}, with 100 % + utilization ). On my Experian report ( same date ), it shows only {$95.00}. This discrepancy is impossible and unverifiable, as my last payment was on XX/XX/XXXX or XXXX, XXXX ( varies by bureau ), and the account was closed with " pays as agreed '' status. This violates FCRA 1681s-2 ( a ) ( 1 ) ( duty of furnishers to provide accurate information ) and 1681e ( b ) ( bureaus ' duty to ensure accuracy ).

Improper Closure and Over-Limit Reporting : The account is reported as " closed by credit grantor '' without justification or prior notice, despite perfect payments. Reporting an over-limit balance on a closed account inflates my debt-to-credit ratio ( overall utilization at 56 % on Equifax/TransUnion vs. 14 % on Experian ), harming my FICO scores ( XXXX Equifax, XXXX TransUnion, XXXX Experian ). This appears to be a systemic error, similar to other CFPB complaints against XXXX ( e.g., Complaint ID # XXXX for unauthorized closures and inaccurate balances, and the XXXX CFPB Consent Order against XXXX  for deceptive credit reporting practices ). 

Failure to Verify : I have disputed this directly with XXXX and the bureaus, but the errors persist. XXXX has not provided verifiable proof of the balance or closure, violating FCRA 1681s-2 ( b ) ( duty to investigate disputes and correct inaccuracies ).

Harm Caused : This inaccurate reporting has lowered my credit scores by at least XXXX points on some bureaus, preventing me from obtaining favorable credit terms. I am demanding statutory damages under FCRA 1681n ( up to {$1000.00} per willful violation ) if not corrected.

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting.

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 2025-07-18 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing case of identity theft that has significantly impacted my financial records and personal data. I discovered this fraudulent activity in XX/XX/year> after noticing unfamiliar accounts, inquiries, and addresses on my credit and consumer reports. 

Despite notifying the relevant credit bureaus and consumer reporting agencies, fraudulent data remains on my reports. Additionally, I believe the following companies may have contributed to the misuse of my personal information through improper data handling, reporting, or negligence : - ChexSystems - Early Warning Services- XXXX - Experian - Transunion - Equifax These companies either allowed unauthorized use of my data or disseminated incorrect personal information that was then used by identity thieves to open accounts and submit credit applications without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LEXISNEXIS
State: MI

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing case of identity theft that has significantly impacted my financial records and personal data. I discovered this fraudulent activity in XX/XX/year> after noticing unfamiliar accounts, inquiries, and addresses on my credit and consumer reports. 

Despite notifying the relevant credit bureaus and consumer reporting agencies, fraudulent data remains on my reports. Additionally, I believe the following companies may have contributed to the misuse of my personal information through improper data handling, reporting, or negligence : XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX These companies either allowed unauthorized use of my data or disseminated incorrect personal information that was then used by identity thieves to open accounts and submit credit applications without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
During XX/XX/XXXX - XX/XX/year> there were several unauthorized charges to my account from an XXXX XXXX account for the amount of {$2900.00}. I provided Sofi with multiple necessary documents to show that it wasnt me who authorized these transactions and my dispute was denied after being delayed for days with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding a derogatory tradeline being reported by Regional on my XXXX  credit report. This account has already been removed from both XXXX  and XXXX, but continues to appear solely on XXXX despite my dispute and without any documentation justifying the discrepancy. 

The underlying account was related to a repossessed vehicle. While I acknowledge the accounts existence, I was never notified of any auction, resale, or disposition of the vehicle after repossession. I received no documentation showing the date of sale, sale amount, deficiency balance calculation, or the opportunity to redeem the vehicle which I understand are typically required under both state and federal law when an auto loan is defaulted and collateral is seized. 

XXXX has verified the tradeline despite this lack of documentation and explanation. Continued derogatory reporting on only XXXX bureau, combined with potential legal failures around asset disposition, creates an incomplete and misleading credit profile. This is materially harming my credit, especially during an active mortgage application process. 

Under FCRA XXXX, furnishers must report only accurate, complete, and verifiable information. Regionals reporting appears inconsistent across bureaus and lacks transparency around both the credit account and the disposition of the collateral. 

I am requesting that Regional either : Provide full documentation verifying the legitimacy of this reporting, including evidence of proper notice of repossession, resale/auction details, and deficiency balance calculations, or Remove the tradeline from XXXX to ensure fair, consistent, and lawful credit reporting.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IL

Complaint narrative:
On or before XX/XX/year>, I sent MRS BPO , LLC a formal cease and desist and debt validation letter under 15 U.S.C. 1692g ( b ) and 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). In this letter, I clearly stated : I never entered into any contractual agreement with MRS BPO , LLC.

I demanded full validation of the debt, including a signed contract, itemized accounting, original creditor info, and audit trail documentation. 

I exercised my legal right to refuse to pay the alleged debt and demanded that all collection efforts cease immediately, including credit reporting and communication. 

MRS BPO , LLC has failed to provide any lawful validation of the debt. If they have continued or do continue collection efforts, including reporting this item to the credit bureaus, they are in direct violation of FDCPA sections 1692g ( b ), 1692e, 1692f, and 1692d, and potentially engaging in identity theft by using my personal data and likeness without legal authorization. 

Their continued conduct exposes them to civil and criminal liability. I am demanding immediate enforcement of my consumer rights and protective action from the CFPB. 

The original alleged creditor is listed as XXXX XXXX XXXX XXXX, althoXXXX XXXX XXXX XXXX XXXXrovided no documentation proving any lawful assignment of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation