vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I am reaching out not to dispute any debts or deny my financial responsibilities, but to respectfully request that several entries on my credit file be re-evaluated for accuracy and completeness, in line with my rights under the Fair Credit Reporting Act ( FCRA ). 

Over the past few years, Ive faced personal and financial hardshipsincluding a family emergency, job loss, and relocationthat temporarily affected my ability to stay current on some payments. However, I have made every effort to recover and honor my obligations, and I continue to do so today. 

Late Payments Open Accounts These accounts are currently open and active. I request a good-faith review of the late entries associated with them, as they occurred during difficult life events and do not reflect my current payment behavior. 

XXXX Account ending in XXXX Opened : XX/XX/XXXX | Balance : {$0.00} 30 Days Late : XX/XX/XXXX Explanation : This delay happened during a family emergency. The balance is now {$0.00}, and the account remains in good standing. 

XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX | Balance : {$26000.00} 30 Days Late : XXXX XXXX, XXXX, XXXX XXXX 60 Days Late : XX/XX/XXXX Explanation : A period of extreme financial XXXX  caused by job loss and relocation. I am continuing to pay down this balance responsibly. 

XXXX  Account ending in XXXX ( Open ) Opened : XX/XX/XXXX | Balance : {$780.00} 30 Days Late : XX/XX/XXXX Explanation : A paycheck delay over the holidays caused a short-term issue. The account has remained active and current since. 

Late Payment Closed Account XXXX Account ending in XXXX ( Closed ) Opened : XX/XX/XXXX | Balance : {$780.00} 30 Days Late : XX/XX/XXXX Note : This appears to be the same account as the one listed above under open status, potentially duplicated or misclassified. I request review to avoid redundant or inaccurate reporting of the same late entry. 

Applicable FCRA Laws My request is grounded in the following provisions of the Fair Credit Reporting Act : FCRA 602 ( A ) : Requires credit reporting to be fair, equitable, and respectful of consumer rights.

FCRA 607 ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy of information.

FCRA 609 ( a ) : Grants consumers the right to access complete and clear information regarding their credit files.

FCRA 611 ( a ) : Allows consumers to request correction or reinvestigation of any item believed to be incomplete or 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 non-monetary relief
Consumer complaint received 2025-08-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX BANK # XXXX -Balance {$180.00} - Date Opened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I got gas from XXXXXXXX XXXX XXXX XXXX and the gas pump held my card until I finished pumping. I forgot my card. The next consumer did not turn my card in, they stole it and used it at XXXX XXXX XXXX. I was making purchases on the other side of town at about the same time. I immediately cancelled my card and requested a new one when I realized what had happened. I made XXXX calls to chime and still cant get their help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
I called to try to find out why they had my information, it was for a credit card company they sold it to a third party without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding the following account : Late Payment Account Name : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation when a consumer disputes information on their credit report. Additionally, FCRA 623 ( b ) obligates furnishers to investigate and verify the accuracy of information once notified of a dispute.

I have reason to believe that this account information has been verified or updated without a proper investigation, which constitutes a violation of the FCRA. Updating or re-reporting disputed information without completing a reinvestigation is not permitted under federal law.

Please provide : 1. The method of verification used to confirm this information.

2. Copies of all documents and communications relied upon to verify the accuracy of the account.

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 2025-08-28 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: CA

Complaint narrative:
I am requesting the removal or correction of a charged-off credit card account reported by XXXX XXXX XXXX ( Account # XXXX, opened XX/XX/year> ), listed with a limit of {$500.00} and a charged-off balance of {$820.00}. 

I have disputed this account with all three credit reporting agencies due to the inaccuracy of the balance and charge-off status, but no changes were made. The charged-off amount of {$820.00} is significantly higher than the credit limit of {$500.00}, and XXXX has not provided documentation explaining how the balance increased beyond the limit. 

I was personally affected by the XXXX XXXX wildfires, a federally recognized natural disaster. This event has severely impacted my housing, employment, and financial stability. I am not able to keep up with payments during this time due to circumstances beyond my control. 

I contacted XXXX in an effort to resolve this issue and to seek disaster relief or adjustment of the account, but I did not receive assistance or verification of the balance. Since then, the account has remained as a charge-off on my credit reports and continues to negatively affect my financial recovery. 

I am now requesting that the CFPB assist in : 1. Investigating XXXX failure to provide documentation of the charge-off and over-limit balance 2. Requiring XXXX to provide proof of how the balance reached {$820.00}, or XXXX. Recommending that this charge-off account be removed from my credit reports due to inaccurate reporting and hardship caused by a declared natural disaster I am making this request in good faith and ask that my situation be reviewed with consideration of both the inaccurate data and the exceptional circumstances surrounding the natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit report related to several accounts, with a particular concern about XXXX account that appears to be reported inconsistently across credit bureaus. 

Most notably, my XXXX XXXX account ( ending in XXXX ) shows a XXXX late payment reported for XX/XX/year>. This is especially concerning because this account is reported as closed by XXXX major credit bureaus, TransUnion and Equifax. It does not make sense that a closed accountwhich should have no new activity or balancewould suddenly generate a late payment. This inconsistency raises serious questions about the accuracy of the information reported by both the creditor and the credit reporting agencies. I kindly request a thorough review and correction of this entry to ensure it accurately reflects the accounts true status. 

In addition to the XXXX  XXXX account, the following accounts also have late payment entries that I want to bring to your attention : XXXX XXXX Account ending in XXXX ) : XXXX  days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$410.00}. 

Bank XXXX XXXX ( Account ending in XXXX ) : XXXX  days late ( XX/XX/year> ), XXXX days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$690.00}. 

XXXX XXXX XXXX  XXXX ( Account ending in XXXX ) : XXXX  days late ( XX/XX/year> ), XXXX days late ( XX/XX/year> ), balance {$720.00}. 

While I acknowledge that I experienced some financial difficulties that caused these late payments, I also firmly believe that my credit report should be accurate, complete, and fair. The Fair Credit Reporting Act ( FCRA ) guarantees that all information reported must be true and non-misleading, and consumers have the right to know what is being reported, request reinvestigation of questionable information, and expect corrected or removed inaccuracies.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ok so it was my fault that the account got behind, then they closed it, I then went into the branch XXXX XXXX XXXX, XXXX and paid it off, that transaction got applied in the wrong way, I caught it the next day and called chase XXXX XXXX, they fixed it while I was on the phone, now that was at least a month and half ago, so my issue is that on my XXXX credit reports it shows {$730.00} outstanding still owed and they reported this to them after my in branch payment, I don't care how long they want to leave it on my report, just report the right status and dollar amount is to say XXXX me having XXXX other accounts with them does not seem to matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year>2025 American Express close all 6 of my accounts including my XXXX XXXX XXXX. Without any prior notice.. I have been a Loyal American  Express customer for over 23 years. Have never made a late payment and have always maintained my account responsibly.. 

The sudden closure has caused financial harm, including it would drop my credit score and risk the loss of membership reward points that I earned in good faith. I was told tI have only 30 days to use my points which feels unfair giving my long history and flawless payment record .. when I contact customer service the representative I spoke with was dismissive and offer no meaningful resolution. .I was very frustrated..

I am requesting that American Express reinstate my platinum card account in good standing or a minimal provide a comparable resolution that preserves my account history.

Allow me to keep any continuing use of my membership reward points without a 30 day restriction And no negative or inaccurate information is reported to credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
My credit report contains negative information that is more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit.

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 2025-08-28 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: MD

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report. These entries contain inconsistencies across credit bureaus, unverifiable balances, misleading reporting, and potential violations of the Fair Credit Reporting Act ( FCRA ). Some accounts are reported as charge-offs without proper IRS documentation , others show conflicting balances or delinquency history, and at least one repossession account lists inaccurate payment history. These inaccuracies are damaging to my creditworthiness and misrepresent my financial responsibility. 
I am disputing the following items on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2025-08-28 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: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
After submitting my statement, suddenly I been frozen and freezed including my XXXX XXXX from MyEquifax why are they freezing me all the time let my account be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$450.00} - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-08-28 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation