vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint due to XXXX continued reporting of multiple inaccurate and disputed accounts on my credit report despite previous disputes and documentation. They falsely claimed these accounts were not on file, but I have proof from my current credit report that they are still being reported. 

This is not just negligence its deliberate noncompliance with the Fair Credit Reporting Act ( FCRA ). These false negative accounts are causing me serious harm : - Ive been denied credit - My interest rates are unfairly inflated - Im facing emotional and financial stress daily- This is impacting my ability to provide for myself and my family The disputed accounts include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is violating : - FCRA 611 Failure to conduct a reasonable investigation - FCRA 607 ( b ) Failure to ensure accuracy - FCRA 623 Continuing to report inaccurate info after dispute They are damaging my financial life and mental health by failing to take corrective action. Ive now sent a formal * * Notice of Intent to Sue * * to TransUnion and will file legal action if this is not resolved within 15 days.

I request that you : - Enforce removal of these accounts from my report- Investigate TransUnion for systemic noncompliance - Confirm their response and accountability I have attached proof of the credit report and my formal dispute letter. 

Please help me hold this credit bureau accountable.

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 2025-08-03 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: OH

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The names on my credit reports were enter in errors or belong to someone else. I have reached out to the three big credit bureau on XX/XX/year> but the issues have not been resloved to this date! These names on my credit report violate the Fair Credit Reporting Acts that emphasized on accuracy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding the inaccurate and harmful reporting of a XXXX XXXX account ( # XXXX ) by [ XXXX  XXXX Experian XXXX Equifax ]. 

I disputed this account directly with the credit bureaus and with the data furnisher, but no resolution or removal occurred after more than 30 days. This violates FCRA 611, which mandates deletion of unverified or inaccurate information.

The account is marked as " Charged Off '' and Purchased by another lender, which means XXXX XXXX no longer owns the debt and should not be furnishing any negative data. Additionally, I have not received a 1099-C form, required by the IRS in the event of a debt cancellation. This makes the reporting not only inaccurate but potentially unlawful. 

I request an immediate deletion of this account from my credit report, or full verification from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: DISCOVER BANK
State: NV

Complaint narrative:
I have been trying to cooperate with Discover card for over XXXX year. I have sent copies of payments ( for which I'm still being charges ) and copies that prove an item was returned, refunded or not sent. They continue to pile on late fees and interest for items that have been, and still are, being disputed. Discover card does not take any action on these. They continue the charges and send a form letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting a complaint under the Fair Credit Reporting Act ( FCRA ) 611, requesting regulatory assistance in resolving an inaccurate and potentially unverifiable account being reported by JPMCB / Chase Card Services on my credit reports. 

This account is listed as charged off with an outstanding balance of {$4500.00} and an open date of XX/XX/year>. Despite previous dispute efforts, JPMCB has failed to provide sufficient verification, documentation, or clarity regarding the accuracy or legal validity of this tradeline. 

Details of the Complaint : No itemized billing or transaction history has been provided to show how the balance accrued or when the charge-off occurred. 

No signed credit application or agreement has been presented to verify that I am liable for this account. 

If the account has been settled, sold, or transferred, the balance should be updated to {$0.00}, and the status must be revised to reflect its true nature in accordance with Metro 2 reporting standards.

The account was opened during a period when significant data breaches were publicly reported ( e.g., the 2018 Exactis breach impacting over 340 million records ), raising concerns over potential unauthorized activity or identity compromise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I don't have any dates but these are the companies evolved. I never did business with these companies and did not give anyone permission to share my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: LA

Complaint narrative:
I don't have any dates but these are the companies evolved. I never did business with these companies and did not give anyone permission to share my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX  XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report 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 1as 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 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am disputing National Credit Systems from my XXXX  report in the amount of {$2600.00} opened XX/XX/year>. There is an inaccuracy because it only reports to XXXX  and not XXXX or XXXX. Its very damaging to my report and I ask that it be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: First Help Financial, LLC
State: PA

Complaint narrative:
I recently pull my credit report and i see unauthorized inquiries on my account that i didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-03 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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:
I am filing this complaint regarding multiple tradelines on my Equifax credit report that appear to be inaccurately reported, unverifiable, or potentially in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my prior dispute attempts, the following accounts continue to be reported without appropriate validation, proper data formatting, or transparency in ownership and assignment. 

Collection Accounts Suspected Violations of FCRA 609 ( a ), 611 & FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} These collections are being reported without : A signed consumer agreement, Chain of title ( assignment from the original creditor ), Proof of ownership or itemized account statements. 

This constitutes a failure to verify the accuracy and legitimacy of the debt, in violation of FCRA 609 ( a ) and 611. I request removal unless full validation is promptly provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$2600.00} These collection accounts appear to : Be re-aged or misdated, Lack full verification or proof of debt, Potentially use improper XXXX XXXX codes. 

Charge-Off Accounts with {$0.00} Balances Potential Duplication / Improper Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both show XXXX day late payments after closure and {$0.00} balances. This is misleading and XXXX be a duplication of collection tradelines. Under XXXX XXXX, such accounts should be suppressed or corrected. 

Closed Account Reporting Delinquencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$0.00} Late payments are shown after closure with a {$0.00} balance, which misrepresents my payment history and may violate FCRA 607 ( b ) by portraying inaccurate or outdated information. 

Charge-Offs with Active Balances Full Validation Required XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} These accounts : Are still listed with balances even though they may have been settled, transferred, or sold. 

Require full account validation, including charge-off details and documentation of current balance accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OK

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC for reporting a debt to XXXX that I do not recognize or owe. The original creditor listed is XXXX. I have not received any valid documentation or evidence proving that this debt belongs to me. 

Upon discovering this entry on my credit report, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by disputing the debt and requesting proper verification. To date, Jefferson Capital Systems has not provided any documentation to validate the debt. Despite this, the collection remains on my XXXX  credit report. 

Reporting an unverified debt is both misleading and harmful, and I believe this action is in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: NY

Complaint narrative:
Starting on or about XX/XX/year> I was invited by an employee of etoro to use the site to trade and invest .so I checked it out and it sounded good checked the site and it looked good and started to trade and learn about node trading and XXXX XXXX mining contracts. 
During the next few months everything was going well investing trading and rolling over funds into XXXX XXXX mining contracts the company had a special event where you had to lock in funds which was fine because I was growing capital and making money for retirement in which the event was supposed to end XX/XX/year>, approximately two weeks before the XXXX I received a letter from the company stating that I was not an institutional investor and that my account needed to be upgraded to a Premium account by adding an additional XXXX dollars to bring your funds up to XXXX or your account would be permanently frozen in which you have 30 day from receiving said letter. In between XXXX and XXXX with the help of the employee of the company and adding funds and node trading and XXXX XXXX  mining contracts I amassed XXXX USDT in which they stopped the mining contracts so my funds wouldn't accumulated anymore and added it to the cash .I informed them that there's nothing that states that I had to be an institutional investor anywhere on the site or when I signed up nor was I informed by there employee in which they replied just upgrade your account to premium. So I looked up institutional investor found the meaning and sent it to them and they said add money to your account the letter also states that I am under investigation for possible money laundering and I told them good because my funds came from my bank and and have all my transfer information please unlock my account and release my funds apond further investigations using an XXXX XXXX XXXX XXXX on XXXX it stated that the site was a mimic site of Etoro and may not be the same, when I first started using the site XXXX said it was part of etoro Here is the link XXXX it's still operating I saw people made complaints about not being able to get there funds out. I have filled out a Police Report with the local authorities as well as a IC3.GOV Report. I will also be filing with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief