vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-23 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: NC

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX- Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX- Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX- Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-10-23 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: MI

Complaint narrative:
XXXX XXXX XXXX ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries Reference : Fair Credit Reporting Act 15 U.S.C. 1681e ( b ), 1681i ( 5 ), and 1681c-2 Dear TransUnion, I am the victim of identity theft, and several accounts and inquiries appearing on my TransUnion credit report do not belong to me. These items were opened or reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i ( 5 ), you are required to ensure maximum possible accuracy of consumer data and promptly delete any unverifiable or fraudulent information. Please consider this letter a formal identity theft dispute. I am requesting that the following fraudulent accounts and inquiries be removed immediately from my credit file : Fraudulent Accounts 1. 
XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Status : 60 Days Past Due ( XX/XX/XXXX ). This account was opened and used fraudulently. I did not authorize this account or any related activity. Please delete immediately. 2. XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : 60 Days Past Due ( XX/XX/XXXX ). 
This account does not belong to me and was opened as a result of identity theft. Please delete from my file. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Status : 60 Days Past Due ( XX/XX/XXXX ). I did not open or authorize this account. It is fraudulent and must be deleted. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Closed, Paid as Agreed ( 130 late XX/XX/XXXX ). I do not recognize this account and did not open it. Please remove it as identity theft. Fraudulent Inquiries All of the following inquiries were made without my consent and should be deleted as fraudulent : - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2, you are legally obligated to block and delete all information resulting from identity theft upon receiving a dispute and identity verification. 
Please initiate this investigation immediately and provide me with written confirmation once these fraudulent entries are removed. Thank you for your prompt attention to this serious matter. Sincerely, 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 2025-10-23 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: CO

Complaint narrative:
It is very upsetting to see that the inaccurate accounts are still on my credit report and nothing has been taken out. I am pleading for you to go through the documents I attached with full attention so I can finally stop worrying every day about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX, and TransUnionXXXX  ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX  Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-10-23 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: CT

Complaint narrative:
It is incredibly frustrating to find that unauthorized inquiries continue to show on my credit report this morning. They were not removed after I refreshed the browser, and I need this matter to be resolved immediately by thoroughly checking the documents I already sent so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
b'Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit\nreport under Section 605B of the Fair Credit Reporting Act.\nThe specific information I am disputing is as follows:\nFRAUDULENT INQUIRIES:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am really frustrated because unauthorized inquiries continue to show up on my credit report, and I have no explanation as to why. Even after refreshing my browser, they remained. I seriously need the documents I sent to be examined in detail so I can put an end to this ongoing concern.

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 2025-10-23 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

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. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number 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 2025-10-23 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: GA

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. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number 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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
A {$14000.00} collection is being reported by XXXX XXXX XXXX for a former apartment balance. I disputed the debt and requested validation. In response, they provided a single-line ledger listing a move-out date of XX/XX/year> with a balance of {$14000.00}. 

This is inaccurate and unverifiable. The lease they provided in the same response clearly shows the lease ended on XX/XX/year>. They have not provided any lease extension, rent breakdown, itemized charges, notice to vacate, eviction notice, judgment, or any documentation supporting charges beyond the XXXX lease end date. 

Reporting a balance using a false move-out date and without itemization or supporting documentation violates FCRA accuracy and completeness requirements and FDCPA validation requirements. I am requesting deletion of this tradeline due to failure to verify and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against JPMorgan Chase Bank for an improper account closure and misclassification of a legitimate transaction as fraudulent. 

On XX/XX/year>, I deposited a {$50000.00} check from my wife ( drawn on her XXXX XXXX  account ) into my Chase J.P. Morgan Self-Directed Investing account. The deposit was legitimate, funded by a loan from XXXX XXXX. Chase initially confirmed that the funds cleared. The following day, I was contacted with a fraud alert and informed that the check was bad. Without due process or written notice, Chase immediately closed all of my accounts including brokerage, checking, and three credit-card accounts and marked the transaction as fraudulent. The check is completely legitimate and funds available and can be confirmed by XXXX XXXX. 

Last four of checking and brokerage XXXX XXXX After multiple hours on calls and an in-person branch visit, no representative could explain why this occurred. The Chase branch manager confirmed that the funds were not held by Chase and would return to the XXXX account. 

I believe Chases automated fraud-detection system misidentified the transaction, resulting in wrongful closure and serious harm to my finances and credit reputation. Chase has failed to provide adequate documentation, transparency, or corrective action. 

I respectfully request that the CFPB : Investigate Chases automated decision-making and account-closure procedures. 

Require a full written response from Chase detailing the cause of the closure and confirming that no adverse reporting was made to XXXX  or credit bureaus. 

Chase is already aware I lost my job 16 months ago and am under financial strain already. 

Direct Chase to restore access to my accounts or provide restitution for the damages caused. 

I have documentation of this incident, including branch contacts, call logs, and confirmation of the checks validity from both XXXX XXXX  and XXXX XXXX. I am willing to provide these upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This issue is tied to a current complaint against Shellpoint Mortgage. The complaint ID is XXXX that was filed on XX/XX/2025. 

You will find all the relevant information in that report. I have never missed a principal and interest payment and have reimbursed Shellpoint Mortgage for the full amount of the insurance premium that they paid on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I lost my Comenity Bank XXXX credit card ( act # XXXX ) between XXXX. It was found and used in XXXX. I was still paying on the card via auto matic payments unaware. Once i realized I was still paying on the card I did not have. 

First, I reached out to company to let them know. They claimed i still had to pay the charges because my cards automatically paying the bill. They never advised me to get a police report. 

Secondly, It wasnt until XXXX when I realized the credit debt remained on my credit report. I retrieved a Pollice report. I submitted police report in disputes XXXX and the company still has not removed the account from my credit nor has the credit bureaus helped me. 

Therefore, from XXXX I have been disputing the account with XXXX  Credit Bureau and XXXX Credit Bureau repeatedly . Again it is now XXXX It has remained on my credit report for XXXX yrs and XXXX now. It has also been listed as closed and reporting monthly as if it is an opened account. Under the federal Fair Credit Reporting Act ( FCRA ), credit bureaus are generally required to remove most negative information from a consumer 's credit report after seven years. 

This has been negatively impacting my credit health, credit accuracy and credit score. XXXX XXXX XXXX and XXXX  and XXXX  Credit Bureau refused to do something about me being a victim of fraud and Identifty theft. 

In conclusion, I would like the account to be removed from both XXXX  and XXXX  Reports Once and for all. Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MD

Complaint narrative:
I am writing to dispute a debt sent to TEK Collect Inc for the amount of {$2000.00} for the services from XXXX XXXX XXXX which went out of business near the beginning of my treatment. 

Basis for Dispute ( Breach of Contract/Failure of Consideration ) The basis for this dispute is that the original creditor, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), is currently undergoing bankruptcy proceedings and has ceased all operations, resulting in a fundamental Breach of Contract and Failure of Consideration. 

Contract Unfulfilled : The services and products for which this alleged debt was incurredspecifically, the ongoing clinical treatment by a certified orthodontist was never rendered. I was never able to receive any consultations or appointments with a professional XXXX, as promised. 

Cessation of Services : As XXXX  has announced bankruptcy, dissolved its business, and discontinued all customer and clinical support, the contract for orthodontia services, which included the expectation of clinical oversight and treatment adjustments, can not and will not be fulfilled. 

Invalid Debt : Consequently, any debt related to services that were not fully rendered, or for which the essential clinical support is now nonexistent, is invalid, unenforceable, and not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE ACCOUNT HAS BEEN INCORRECTLY REPORTED AS LATE.

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 2025-10-23 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: LA

Complaint narrative:
I REQUESTED DEBT VALIDATION AND WAS SENT A STATEMENT FOR A CREDIT CARD COMPANY STATING THAT THAT WAS TO VALIDATE MY OWNERSHIP OF THE ACCOUNT. I WROTE TO THE COMPANY AGAIN ASKING FOR PROOF THAT THEY ARE THE OWNERS OF THE DEBT AND ANY DOCUMNETATION STATING THAT I OWE THEIR COMPANY ( JEFFERSON CAPITAL SYST ) FOR A DEBT AND THEY HAVE NOT YET RESPONSED.

Company response to consumer: Closed with explanation