vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
RE : URGENT DEMAND FOR IMMEDIATE CORRECTION RIGHTS, PRIVACY, AND UNLAWFUL REPORTING To Whom It May Concern, This letter serves as an official demand for immediate correction and deletion of inaccurate, unverifiable, and fraudulent information on my credit report regarding XXXX XXXX XXXX XXXX and any associated tradelines. 

This is not a frivolous dispute, but a formal notice of concern and additional evidence. I have submitted a police report and FTC Identity Theft Report, clearly documenting the fraudulent use of my information. To date, your company has failed to act in accordance with federal laws. This has led to emotional distress, hardship, and irreparable damage to my creditworthiness. 

You are required by law to update or delete inaccurate data. As such, I demand that the tradelines associated with this fraudulent activity be updated to : Paid as agreed or Current All derogatory information removed Charge-off status deleted No 1099-C was issued, yet a profit & loss/charge-off was reportedthis is a direct IRS violation Applicable Laws & Legal Grounds : FCRA 1681i ( a ) ( 5 ) ( A ) : Failure to verify must result in deletion FCRA 1681s-2 ( b ) : Furnishers must conduct proper investigation and correct or delete unverifiable data 15 U.S.C. 1681e ( b ) : Must report with maximum possible accuracy UCC 9-210 : Right to accounting and validation of obligation 26 U.S. Code 6050P : Failure to issue Form 1099-C after charge-off constitutes IRS non-compliance Truth in Lending Act ( TILA ) : Notice must be given for all transfers or modifications of credit XXXX XXXX XXXX  Dictionary defines charge-off as a tax deductionnot a collectible balance Supporting Case Law : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Bureaus must verify with more than creditor confirmation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Failing to investigate disputed data violates consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Inaccurate charge-off reporting creates liability In re XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Discharged/canceled debts must not be reported derogatorily You have 24 to 72 hours from the date of this notice to fully correct or delete these items. This demand is made in good faith and in accordance with my rights under federal law. 

Failure to act will result in formal complaints filed with the CFPB, FTC, Attorney General, and legal counsel.

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 2025-06-30 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: CA

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

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 2025-06-30 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.
State: FL

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. 

Account name : 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$45000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a credit account with XXXX XXXX, XXXX XXXX and XXXX XXXX, that was closed and later resolved through a formal settlement agreement. I paid the agreed amount in full, and I have documentation confirming both the settlement terms and proof of payment. 

Despite this, XXXX XXXX is currently reporting this account on my credit report as past due or showing missed/late payments, which is not only inaccurate but also misleading. I was not late during the settlement process, and the agreement did not indicate that any further payments were due once fulfilled. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to report complete and accurate information. This account should be reported as Settled or Paid in full for less than the full balance, with a {$0.00} balance, and no delinquent status. 

Ive attempted to resolve this directly with XXXX XXXX, but the reporting remains incorrect. Im requesting the CFPBs assistance in having this account updated to accurately reflect the settlement and payment in full and to remove any inaccurate late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
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 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 2025-06-30 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00}

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 2025-06-30 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:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Credit Report Dispute Consumer : XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear TransUnion Dispute Department, I am writing to dispute potentially inaccurate information on my TransUnion credit report. Based on inaccuracies found on my XXXX report, I am requesting investigation of the following items : DISPUTE ITEMS : 1. Charge-Off Account Reporting Errors Any charge-off accounts incorrectly showing available credit Inconsistent charge-off amounts vs. reported balances Legal Basis : FCRA 623 ( a ) ( 1 ) 2. Collection Account Validation XXXX XXXX XXXX or similar collection accounts Request : Verify proper debt validation procedures were followed Legal Basis : FDCPA 809 and FCRA 623 ( a ) ( 1 ) 3. Outdated Negative Information Any delinquencies or negative marks over 7 years old Legal Basis : FCRA 605 ( a ) 4. Unauthorized Inquiries Excessive automated or unauthorized credit inquiries Legal Basis : FCRA 604 Please investigate and remove any information that can not be verified as accurate under FCRA standards. I request written confirmation of your investigation results within 30 days as required by law. 

Sincerely, 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 2025-06-30 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:
I am writing again regarding the same fraudulent item that continues to appear on my credit report. Despite my previous efforts to resolve this, I am still dealing with this unauthorized entry, which is both frustrating and deeply concerning. My credit report also reflects incorrect personal information, which appears to be contributing to this issue. I am a victim of identity theftmy information was used without my knowledge or consent, and now I am being linked to an account I have never had any involvement with. Following TransUnion 's instructions, I filed an FTC Identity Theft Report and submitted the necessary documentation, yet this fraudulent item still remains on my report.

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 2025-06-30 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: MS

Complaint narrative:
A hard inquiry from JPMCB Card Services dated XX/XX/year> appears on my XXXX  credit report. I did not apply for any credit product from JPMorgan Chase Bank at that time, nor did I authorize or consent to this inquiry. 

I am filing this complaint directly with the CFPB because this inquiry is unfamiliar and unverified, and no documentation has been provided to confirm a permissible purpose under FCRA 604 ( a ) ( 3 ).

If JPMCB can not produce clear evidence such as a signed application initiated by me this inquiry constitutes unauthorized access to my credit file. As the furnisher, JPMCB is required under FCRA 611 to verify or delete inaccurate or unverifiable information.

I am requesting immediate investigation and permanent removal of this inquiry unless JPMorgan Chase Bank provides legally sufficient documentation of my authorization.

I also request that all correspondence and the results of this complaint be sent to me via physical mail at the address provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Experian Information Solutions Inc. associated with XXXXXXXX XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Experian Information Solutions Inc. has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally disputing the accuracy and validity of a derogatory item reporting under my name from the following furnisher : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Balance : {$610.00} Date of First Delinquency : XX/XX/year> This item is reported as a collection account and is both unverified and potentially obsolete in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am exercising my right to dispute the completeness and accuracy of this item. Under federal law : The burden of proof is on the reporting agency and the furnisher to verify with full documentation ( contracts, itemized billing, chain of custody ) that this debt is accurate and that they are legally entitled to report it. 

If you can not verify the account within 30 days, you must promptly delete the item from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Continued reporting of unverifiable or inaccurate information constitutes willful noncompliance and exposes your agency to civil liability under 15 U.S.C. 1681n. 


Additionally, this account appears to have been sold to a third-party debt buyer and contains missing, outdated, and incomplete information ( including the date of last activity, payment history validation, and creditor information ), which violates 15 U.S.C. 1681s-2 ( b ). 

This is a formal demand to immediately investigate, correct, or permanently delete this account from my credit file. Should you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for damages under 15 U.S.C. 1681o.

Company response to consumer: Closed with non-monetary relief