vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is currently reporting a charge-off from XXXX XXXX  XXXX Account : XXXX ) with a reported date of XX/XX/year> and a balance of {$2200.00}. This account is over nine years old and should no longer be influencing my credit profile, especially when there has been no proof provided to validate the charge-offs accuracy. The account has aged far beyond the point of reasonable reporting under the FCRA, and I have previously disputed it without receiving any supporting documentation. Equifax 's continued reporting of this item, despite its age and the absence of substantiating records, violates their obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. In a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations and failed to meet its obligations under the Fair Credit Reporting Act. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must perform a lawful and reasonable reinvestigation of any disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), if the disputed item is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. Equifax has not adhered to either requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
Ive disputed several fraudulent accounts and inquiries on my credit report, but the credit bureaus have failed to remove them. This has caused me serious stress, anxiety, and has negatively impacted my credit. 

Ive attached my FTC Identity Theft Report and drivers license as proof. Im asking that these fraudulent items be blocked and permanently removed from my credit report as required by the Fair Credit Reporting Act. 

Please help me get this resolved.

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 2025-05-20 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: NY

Complaint narrative:
Ive disputed several fraudulent accounts and inquiries on my credit report, but the credit bureaus have failed to remove them. This has caused me serious stress, anxiety, and has negatively impacted my credit. 

Ive attached my FTC Identity Theft Report and drivers license as proof. Im asking that these fraudulent items be blocked and permanently removed from my credit report as required by the Fair Credit Reporting Act. 

Please help me get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: RI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within Four business days, pursuant to section 605C of the fair credit reporting Act. I am victim of human trafficking of Debt Bondage and would like for all listed accounts and Inquiries to be blocked and delete. 
Inquirer : XXXX  XXXX XXXX XXXX, XXXX RI XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXn : P.O. XXXX XXXX XXXX, TX XXXX : XXXX XXXX  : XXXX XXXX XXXX, XXXX, Ma XXXX : XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX RI XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX : XXXX, Texas : XXXX XXXX XXXX, XXXX XXXX, Tx XXXX : XXXX Bank ; XXXX XXXX XXXX XXXX XXXX, NC XXXX : XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX, RI XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX RI XXXX : XXXX XXXX XXXX  : XXXX XXXX  XXXX, XXXX, RI XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX : XXXX : XXXX XXXX  XXXX, XXXX, RI XXXX : XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Ca XXXX : XXXX : XXXX XXXX XXXX, XXXX, RI XXXX : XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX RI XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX : XXXX  on behalf of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX : XXXX XXXX on behalf of XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, Ga XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : P.O.Box XXXX, XXXX Texas, TX Account : XXXX XXXX, XXXX Account : 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 2025-05-20 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-05-20 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-05-20 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: NJ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I was shocked and angry this morning to discover an unauthorized inquiry showing up on my credit report for no known reason. I checked like I normally do, but this time there were errors that I couldnt ignore. I refreshed the browser hoping it was just a glitchbut it wasnt. Im asking for an immediate and thorough review of the documents I submitted because this is stressing me out beyond belief.

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 2025-05-20 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: MO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-20 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: TX

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-05-20 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Subject : Request for Removal of Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy To Whom It May Concern, I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX XXXX  that is currently listed on my ChexSystems consumer report.

The account ( s ) in question, including both my checking/savings account and personal loan, were included in my XXXX XXXX  bankruptcy, which was filed on [ XXXX ], under case number [ XXXX ], in the [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report a negative balance to ChexSystems as if the debt is still owed. This is a violation of the Fair Credit Reporting Act ( FCRA ), as well as bankruptcy laws, which prohibit the reporting of discharged debts as active or due. Once a debt is discharged in bankruptcy, it is no longer legally collectible and should be updated to reflect a XXXX balance or removed altogether. 

Accordingly, I respectfully request that ChexSystems immediately : XXXX. Investigate the accuracy of the account being reported by XXXX XXXX XXXX XXXX  ; XXXX. Remove the account from my consumer file, as it was legally included in my bankruptcy petition and is no longer valid for collection or reporting ; 3. Provide me with a written confirmation of the investigation results and any changes made to my 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 2025-05-20 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase Sapphire Credit Card offered me a 0 % interest on a balance transfer until XX/XX/XXXX. I accepted the offer and made a balance transfer onto this card on XX/XX/XXXX in the amount of {$8000.00}. The {$8000.00} promotional transfer was added to the new balance of my most recent statement, totaling {$14000.00}. ( See page XXXX of billing statement under Account Summary ) Under this same Chase Sapphire Card, I have a Chase XXXX XXXX XXXX XXXX  in the amount of {$4400.00}. This amount requires a nominal monthly fee and small monthly payment of {$390.00} be made toward the Chase XXXX XXXX XXXX balance, however avoids the 18.24 % APR charges. ( see pages XXXX and XXXX of the billing statement ). 

When I received my most recent statement, it stated in order to avoid paying interest, I need to pay an Interest Saving Balance of {$10000.00} by XX/XX/XXXX. As per page XXXX of my billing statement, the monthly Chase XXXX XXXX XXXX payment ( {$390.00} ) consists of XXXX ) the new balance {$14000.00} XXXX ) a subtraction of the {$4400.00} CHASE XXXX XXXX XXXX and XXXX ) my required monthly Chase XXXX XXXX XXXX payment ( {$390.00} ). Upon review of my statement, I noticed the {$8000.00} balance transfer did not reflect 0 % APR charges and as mentioned earlier was added to my new balance. I reached out to the Chase Executive office on XX/XX/XXXX and explained that the promotional offer was not reflected. The breakdown should be : {$14000.00} NEW BALANCE minus {$4400.00} ( Chase XXXX XXXX XXXX XXXX ) minus {$8000.00} ( 0 % promotion ) plus ( monthly Chase XXXX XXXX XXXX  payment ) {$390.00} totaling an amount of {$2500.00} to be paid by XX/XX/XXXX to avoid interest. 

I received a letter on XX/XX/XXXX ( see attached ) and when I spoke to the Chase Executive office again on XX/XX/XXXX, I was told it was correct and no matter who I spoke to, I will get the same answer as it was investigated. If I want to avoid interest, I will need to pay {$10000.00}. When I asked why the full {$8000.00} was added to my balance, yet the 0 % interest is not being honored, I was told, I understand what you're saying but the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: UT

Complaint narrative:
I got my credit report and I found this account that do not belong to me, I never open this account. I need documentation with my signatures or the information they have from this account from whoever open this account please. the amount my credit report shows is {$1000.00} it says that this account was open XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
2014 my identity was stolen. These charges were fraudulent. Still reporting on my credit 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 explanation