vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX/XXXX  lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), XXXX XXXX violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Subject : Inaccurate, Unverifiable Credit Reporting - Request Immediate Deletion Complaint Details : XXXX. Inconsistent & Impossible Charge-Off Dates The credit report lists a charge-off period of " XX/XX/XXXX to XX/XX/XXXX, '' which is temporally impossible. 
Violation : FCRA 623 ( a ) ( 1 ) ( B ) and CFPB Regulation V ( 12 CFR 1022.42 ).

Demand : Delete this entry due to its impossibility. 

XXXX. Missing & Incomplete Payment History The payment history shows " XXXX XXXX '' for all of XXXX, then resumes negative reporting in XXXX. 
Violation : FCRA 607 ( b ) ( incomplete reporting ). 
Demand : Remove the entry if full history can not be provided. 

XXXX. Failure to Investigate Dispute I disputed this account in XX/XX/XXXX, but JPMCB marked it " unchanged '' without explanation. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) and 12 CFR 1022.43 ( f ).

Demand : Delete due to lack of validation. 

XXXX. Invalid " Account Closed '' Status The report states " Account closed at credit grantor 's request '' but shows a past-due balance ( {$1300.00} as of XX/XX/XXXX ). 
Contradiction : Closed accounts can not accrue new late payments. 
Violation : FCRA 623 ( a ) ( 4 ). 
Demand : Remove this misleading entry. 

XXXX. No Proof of Debt Ownership JPMCB has never provided : - The original signed agreement - A complete transaction history - Proof of legal authority to report Violation : FCRA 623 ( a ) ( 8 ). 
Demand : Delete if validation is unavailable. 

Final Request : Due to the inaccuracies and lack of verification, this account must be permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Subject : Inaccurate, Unverifiable Credit Reporting - Request Immediate Deletion Complaint Details : 1. Inconsistent & Impossible Charge-Off Dates The credit report lists a charge-off period of " XX/XX/XXXX to XX/XX/XXXX, '' which is temporally impossible. 
Violation : FCRA 623 ( a ) ( 1 ) ( B ) and CFPB Regulation V ( 12 CFR 1022.42 ).

Demand : Delete this entry due to its impossibility.

2. Missing & Incomplete Payment History The payment history shows " XXXX XXXX '' for all of XXXX, then resumes negative reporting in XXXX. 
Violation : FCRA 607 ( b ) ( incomplete reporting ). 
Demand : Remove the entry if full history can not be provided.

3. Failure to Investigate Dispute I disputed this account in XX/XX/XXXX, but XXXX marked it " unchanged '' without explanation. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) and 12 CFR 1022.43 ( f ).

Demand : Delete due to lack of validation.

4. Invalid " Account Closed '' Status The report states " Account closed at credit grantor 's request '' but shows a past-due balance ( {$1300.00} as of XX/XX/XXXX ). 
Contradiction : Closed accounts can not accrue new late payments. 
Violation : FCRA 623 ( a ) ( 4 ).

Demand : Remove this misleading entry.

5. No Proof of Debt Ownership XXXX has never provided : - The original signed agreement - A complete transaction history - Proof of legal authority to report Violation : FCRA 623 ( a ) ( 8 ).

Demand : Delete if validation is unavailable. 

Final Request : Due to the inaccuracies and lack of verification, this account must be permanently deleted from my credit file.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello I am emailing to follow up regarding my claim for this order XXXX for the amount of XXXX I received a partial credit for my problem where I got an allergic reaction from my medical XXXX  I am emailing to request that it be reopened because of this Please advise Thank you

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 monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
Despite my previous requests, the same inaccurate accounts remain on my credit report. I am asking that you thoroughly examine the documents I have attached so this matter can be resolved permanently, giving me peace of mind.

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 2025-08-12 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: IL

Complaint narrative:
Please see supporting documents pertaining to the XXXX  XXXX BREACH

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 2025-08-12 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: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my 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 2025-08-12 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: SC

Complaint narrative:
I am victim of identity theft, someone had used my personal information to open up these fraudulent accounts. Ive never opened these accounts and never gave anyone permission or authorization to open these accounts without my consent. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I am victim of identity theft, someone had used my personal information to open up these fraudulent accounts. Ive never opened these accounts and never gave anyone permission or authorization to open these accounts without my consent. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts represent a violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both incorrect and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
Inconsistent Reporting Between Bureaus - Date Last Active : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o Equifax : XX/XX/XXXX ( This is a major inconsistency the same account should not have different " Date Last Active '' values ) - Comments : o TransUnion : " Profit and loss writeoff '' o Experian : ( blank ) o Equifax : " CHARGED OFF ACCOUNT XXXX' ( Uneven comment reporting across bureaus is another point to dispute ) - Monthly Payment : o TransUnion : {$0.00} o Equifax and Experian : - ( Reporting should be uniform if this account is closed/charged off ) Account Status - Charged Off but Still Reporting a Balance - Balance is reported as {$1500.00} despite the account being closed and charged off. 
( You XXXX be able to dispute that if the account was sold or transferred, it should show a {$0.00} balance with the original creditor ) Outdated or Re-aged XXXX XXXX XXXX Reported : As recent as XX/XX/XXXX and XX/XX/XXXX. 
[ If this is a charge-off from XXXX ( with last payment on XX/XX/XXXX ), the reporting of recent activity XXXX be considered re-aging, which is not allowed under the FCRA ] XXXX in Payment History - Equifax shows XXXX " CO '' ( charge-off ) entries even in months where TransUnion and Experian do not show any history. 

XXXX or XXXX XXXX - Experian does not report any payment history, comments, or high credit this could be considered incomplete data and might violate FCRA if not substantiated. 

This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
Inconsistent Reporting Between Bureaus - Date Last Active : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o Equifax : XX/XX/XXXX ( This is a major inconsistency the same account should not have different " Date Last Active '' values ) - Comments : o TransUnion : " Profit and loss writeoff '' o Experian : ( blank ) o Equifax : " CHARGED OFF ACCOUNT XXXX' ( Uneven comment reporting across bureaus is another point to dispute ) - Monthly Payment : o TransUnion : {$0.00} o Equifax and Experian : - ( Reporting should be uniform if this account is closed/charged off ) Account Status - Charged Off but Still Reporting a Balance - Balance is reported as {$1500.00} despite the account being closed and charged off. 
( You XXXX be able to dispute that if the account was sold or transferred, it should show a {$0.00} balance with the original creditor ) Outdated or Re-aged XXXX XXXX XXXX Reported : As recent as XX/XX/XXXX and XX/XX/XXXX. 
[ If this is a charge-off from XXXX ( with last payment on XX/XX/XXXX ), the reporting of recent activity XXXX be considered re-aging, which is not allowed under the FCRA ] XXXX in Payment History - Equifax shows XXXX " CO '' ( charge-off ) entries even in months where TransUnion and Experian do not show any history. 

XXXX or XXXX XXXX - Experian does not report any payment history, comments, or high credit this could be considered incomplete data and might violate FCRA if not substantiated. 

This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-12 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: TX

Complaint narrative:
I am not responsible for these accounts and believe they were opened without my knowledge. Kindly delete them from my credit history and conduct a comprehensive inquiry. Supporting materials 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
In XX/XX/XXXX, my XXXX unit ( installed by XXXX in XXXX ) failed due to improper wiring during the original installation. XXXX sent a technician, who confirmed and fixed the installation error. 

I later received an invoice for this repair. I called XXXX twice ( in early XXXX and again later that month ) asking them to waive the charge or at least explain it, as the failure was caused by their own improper installation. Both times, I was told my request would be forwarded to their accounting team and that I would receive a call back. 

I specifically stated during my second call that I did not want this matter to go to a debt collector and would rather pay the invoice if XXXX insisted I owed it. I never received a follow-up. 

Now, in XX/XX/XXXX, I received a letter from a debt collection agency claiming I owe this amount to XXXX. This is outrageous, as I was never given the promised follow-up or resolution. 

This collection action is improper because : The debt is disputed and stems from XXXX  own installation error. 
XXXX failed to address my dispute before sending it to collections. 
I explicitly requested they not send it to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I am victim of identity theft, someone had used my personal information to open up these fraudulent accounts. Ive never opened these accounts and never gave anyone permission or authorization to open these accounts without my consent. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: GA

Complaint narrative:
I received an ad on XXXX from Netspend to open a checking account and receive a XXXX bonus when I move my XXXX XXXX over to the new checking account. The terms stated that i would receive the bonus within 5 days. It has been over a week now and I have not received the bonus as laid out in the terms. the company has made it incredibly difficult to contact anyone regarding this issue and has not made any effort to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
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 am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

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