vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-22 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: MO

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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-10-22 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 accuracy of several items listed on my credit report as provided by your agency. This letter is issued in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Uniform Commercial Code ( UCC ), and XXXX XXXX Compliance standards. Additionally, please note that this dispute includes special attention to risks stemming from the XXXX XXXX XXXX XXXX and TransUnion ( XXXX ) data breaches, which compromise the integrity of reporting and verification processes. 
XXXX. XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Issue : This account is marked as " Charged-Off '' with an outstanding balance of {$8500.00}, which is a violation of XXXX XXXX  compliance. Charged-off accounts must reflect a {$0.00} balance.

Violations : o FCRA 607 ( b ) : Maximum possible accuracy o FCRA 611 ( a ) ( 1 ) ( A ) : Reasonable reinvestigation o XXXX XXXX 2-3 : Account status, payment rating, and DOFD inconsistencies o Data Breach Implications : Unverifiable post-breach 2. XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Issue : XXXX late payment reported despite account being current for an extended period. 
Violations : o FCRA 607 ( b ) : Inaccurate delinquency reporting o FDCPA 807 : Misleading representation of delinquency o XXXX XXXX  5-6 : Potential re-aging 3. Unmatched Inquiries Creditors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inquiries remain on file with no open/positive accounts linked. 
Violations : o FCRA 604 ( a ) ( 3 ) : No permissible purpose o FCRA 607 ( b ) : Reporting accuracy o Breach Risk : TransUnion 2025 breach casts doubt on authorization

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 2025-10-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A Merchant ( XXXX XXXX XXXX XXXXXXXX XXXX ) charged my American Express credit card on XX/XX/year> for the amount of {$550.00} for dents to a hotel room desk that neither my family nor I had caused. 

After my first night of two night stay, I advised the Merchant  's Front Desk Staff and Hotel Manager that my family and I did not cause the dents. 

After I checked out of the Merchant  hotel, their hotel manager fraudulently charged my credit card without my authorization. I disputed the charge with American Express. I provided copious documents with dates and times of conversations and images that shows that I was not responsible for the dents. 

3 rounds of disputes were raised to American Express with additional details to show that I did not cause the dents. 

American Express requested Merchant ( Hotel Manager ) to : 1. Provide Date that damaged was first discovered. 
2. Provide Invoice for repair amount to show just cause for amount charged.

3. Review documents and images that I had submitted. 

Merchant (

Hotel Manager ) did NOT provide the answers requested above. Merchant ( Hotel Manager )
only reshuffled their initial documentation and resubmitted to American Express. Then I was rebilled again to close out each round of the dispute. 

The Merchant hotel did not provide any documentation to prove that my family or I caused the dents.

Given the proofs that i have provided versus the proofs that the Merchant hotel has provide, I raise a concern that Merchant hotel has biased assistance in the credit card dispute process.

American Express sided with Merchant indicating that : 1. Merchant had discovered damages after I had checked out of hotel and that Merchant did not review the damage with my family or I at any point during our stay.

2. I do not have images to show that I did not cause the dents. Therefore I am at fault.

The Merchant needs to provide response to the date they discovered the dents on the room desk. That proves my family and I reviewed the dents with the hotel and noted to the hotel that we were not responsible.

Merchant should also provide Invoice for the desk repairs to show true amount for repair. The amount of $ XXXX ( {$550.00} USD ) is an arbitrary amount. 

This credit card charge is fraudulent and I request unbiased review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a customer of Chase Bank and have been the victim of identity theft. Over a span of approximately XXXX months, unauthorized transfers were made from my savings account to an account I do not recognize and did not authorize. I did not discover the theft until XX/XX/XXXX. I immediately contacted XXXX upon realizing the fraudulent activity. However, XXXX is denying my claim between XXXX XX/XX/XXXX which totals XXXX due to the fraud occurring outside their internal XXXX reporting window. 

Additionally, I was not notified by XXXX about any suspicious or unusual activity on my savings account, despite repeated and abnormal transfer activity that should have triggered alerts. No fraud alerts were provided to me, even after I reported the issue and a further unauthorized transaction occurred on XX/XX/XXXX, XXXX days after I had already informed XXXX. This shows a serious failure in their fraud protection systems. 

XXXX Banks savings accounts are federally insured by the FDIC, and as such, I believe they have an obligation under Regulation XXXX of the Electronic Fund Transfer Act ( XXXX ) to investigate and reimburse clearly unauthorized transactions, especially when reasonable mitigating circumstances are present. Regulation XXXX requires financial institutions to investigate and resolve disputes of unauthorized electronic fund transfers, and my circumstances, supported by medical evidence, should merit exception to their XXXX policy. 

I have repeatedly asked for clarity, escalation, and documentation from XXXX, and I have received inconsistent and contradictory responses from their fraud representatives. I am now asking the CFPB to step in and help me obtain a fair review and resolution of this case. 

Issue : Unauthorized electronic fund transfers Bank refusal to reimburse in full. 

I was the victim of repeated unauthorized XXXX debits from First XXXX Bank XXXX ID XXXX. 
On XX/XX/XXXX, I reported fraudulent XXXX XXXX transactions to my bank. 
A few days later, I discovered and reported similar unauthorized debits from the same ACH ID in XXXX & XX/XX/XXXX. 
My bank reimbursed : XXXX XX/XX/XXXX transactions ( XX/XX/XXXX & XX/XX/XXXX ) Several XXXX XXXX transactions, despite those being well outside the XXXX window. 

However, they refuse to reimburse XXXX other unauthorized XXXX XXXX debits totaling {$3100.00}, citing the XXXX liability rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AL

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 explanation
Consumer complaint received 2025-10-22 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:
It shows my financial intentions in the wrong light.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Dear Experian 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 : 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 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 2025-10-22 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: FL

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is the result of a data breach and/or identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this account ( s ) or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach.This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this account ( s ) or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach.This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this account ( s ) or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the Fair Credit Reporting Act, you are required to complete your investigation and respond within 30 days. Thank you for your prompt attention to this matter. Should you need any further information or documentation to proceed with this request, please contact me at your earliest convenience. 

PLEASE REMOVE ALL FRAUDULENT ITEMS!!!

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Assure timely deletion of disputed accounts, per legal demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

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 : 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 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 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Innovis XXXX XXXX XXXX XXXX, GA XXXX I notified Innovis by mail and telephone that Ive been a victim and somebody used my information without my consent or knowledge during the time Ive been locked up. I sent them a copy of my prison ID proving in prison and sentencing comp with dates. And called inmovis over the telephone and said all they need to do is go to bop.gov a government website type in my name inmate locator and youll see Ive been in prison many years and I couldnt have done that. Ive been incarcerated in a federal prison over 10 years ( still in prison ). Im scheduled to be released next year. Somebody open XXXX auto loans in my name XXXX XXXX. ) XXXX XXXX auto lease # XXXX and XXXX XXXX. I want Innovis fined for inaccurate false reporting and I want these XXXX auto leases Removed from their file system. All the other XXXX credit XXXX is removed this and Innovis is the only one who has not.

Company response to consumer: Closed with non-monetary relief