vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am writing to formally dispute inaccuracies appearing on my credit reports, which, upon careful review, have been identified as misrepresenting my financial history and responsibility. My reports list a collection account from XXXX XXXX ending XXXX with a reported balance of {$320.00}. This account is inaccurately reported, as my records indicate that either the balance is incorrect or the account has been previously resolved and should not reflect an outstanding obligation. Reporting this account with an incorrect balance misrepresents my payment behavior, potentially affecting my ability to obtain credit or favorable financial terms. Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), all reported information must be accurate, complete, and properly verified, and I request that this account be reinvestigated with the original creditor and corrected across all three credit bureaus. 
Additionally, my reports list a medical collection account ending XXXX with a balance of {$1100.00}. This account is inaccurately reported in that the balance and status do not match my verified billing and payment records, which show that the obligation was either resolved, disputed, or inaccurately assessed. The reporting of this account as delinquent creates a false impression of financial mismanagement and negatively impacts my creditworthiness. Such misreporting may constitute unfair, misleading, or false representation under FDCPA 807, 808, and 809, as it interferes with my rights to accurate debt validation and reporting. I request that this account be reinvestigated with the medical provider or collection agency, and any errors corrected immediately to reflect accurate balances, dates, and account status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Balance : {$1800.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- Balance : {$940.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2025-11-20 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: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 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: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase XXXX XXXX credit card. When I got the card in XX/XX/XXXX, XXXX of the benefits was {$120.00} statement credit that could be used towards XXXX purchases like bag fees, pet fees, wifi, food on board, etc but had to be XXXX purchases. The statement credit should have renewed on the anniversary date in early XXXX. I never used it before they changed the benefit to {$200.00} travel bank credit in XX/XX/XXXX. However, the {$120.00} statement credit doesnt work for this year of owning the card AND I am not eligible for {$200.00} travel credit until my next anniversary year which means I was misled on a benefit I was promised ( {$120.00} statement credit ). 

I reached out to Chase to rectify and their response was the following : Your account ending in ____ Thank you for your recent inquiry about your XXXX XXXX credit card account. 
We understand that your inquiry was about non receipt of {$200.00} XXXX cash. 
We confirm that this is a new benefit started on your account. You will receive a {$200.00} annual XXXX XXXX XXXX deposited to your XXXX XXXX with in XXXX to XXXX weeks of your anniversary year. 
If you need information about the miles you've already earned or about how you can redeem miles, please sign in to your XXXX account at united.com. You can also call the XXXX XXXX XXXX XXXX directly at XXXX. 
Sincerely, Card Services My only option now is to lodge a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information being reported on my credit file. I am a victim of identity theft, and the items listed below do not belong to me and were not opened, authorized, or initiated by me.I have already notified the credit bureaus and the furnisher that these accounts are fraudulent and requested immediate deletion, but they have failed to conduct a lawful investigation under FCRA 602A, 603 ( c ), 609 ( e ), 611, 616, 617, and 623. They are reporting false information that is harming my creditworthiness and causing financial damage. I was under the impression that the accounts were supposed to be deleted within 4 days. I am asking the CFPB to step in to assist with this matter. This is starting to become very overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request to Delete Incorrect Address Under the Fair Credit Reporting Act ( FCRA ) Dear TransUnion Dispute Department, I am writing to formally request the removal of an address from my TransUnion credit file that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), all information reported on a consumers credit file must be accurate and verifiable. 
The addresses listed XXXX XXXX, SCXXXX XXXXXXXX XXXX, SCXXXX This address is not associated with me nor any of my credit accounts. I request that TransUnion investigate this matter and permanently delete this inaccurate address from my credit profile. 
Enclosed are copies of my identification documents to verify my identity, including : A copy of my government-issued identification ( drivers license or state ID ). 
A copy of a recent utility bill, lease, or bank statement showing my correct address. 
Please send me a written confirmation once the investigation has been completed and the incorrect address has been removed. 
Thank you for your prompt attention to this 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 2025-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian failed to conduct a reasonable investigation under FCRA 1681i and improperly verified XXXX XXXX  reporting as accurate despite receiving extensive evidence proving the information was false. Experian closed my dispute in five days ( XXXX XXXX XXXX ), which is not a reasonable reinvestigation of a 20-year mortgage with a 10-page loan activity history. 

Here is the timeline : XX/XX/XXXX : I submitted a dispute to Experian regarding my XXXX XXXX  account. I uploaded the following documents : My RESPA Notice of Error sent XXXX XXXX XXXX  A follow-up Notice of Error sent XX/XX/XXXX The loan activity statement sent to me by XXXX My amortization analysis proving the balance is incorrect A delinquent tax sale notice from XXXX XXXX ( proof of escrow errors ) Emails showing XXXX  ignored all servicing requests XX/XX/XXXX : Experian notified me that the dispute was closed and XXXX  had verified the account as accurate. This is impossible, because the evidence I provided including XXXX own documents shows the following : Nine years of missing payment history ( XXXX ) An unexplained XXXX principal conversion Payments in XXXX where XXXX was applied to principal Escrow failure causing a tax sale notice A balance on my report that is different from the balance on XXXX own statement A 45 day reinvestigation is not reasonable under FCRA 1681i. 

XX/XX/XXXX : While the account was under formal dispute, XXXX reported : A new 30-day late payment An increased balance This caused my Experian score to drop XXXX points. 

Experian accepted and published this derogatory information even though the account was still under dispute and despite my CFPB complaint against the furnisher. 

This violates : FCRA 1681i ( failure to investigate ) FCRA 1681c ( reporting inaccurate information ) FCRA 1681s-2 ( a ) ( 3 ) ( failure to report active dispute ) FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ) I am requesting the following : 1. Immediate correction or removal of the XXXX tradeline 2. Suppression of all negative reporting from the furnisher until the CFPB investigation is completed 3. A reinvestigation conducted by a senior analyst, not the automated dispute system 4. Updates sent to all lenders who pulled my credit during the inaccurate reporting period 5. Written explanation of how Experian investigated my evidence in only 4 day

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 2025-11-20 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: FL

Complaint narrative:
I am demanding the immediate removal of several inaccurate and unverifiable accounts currently reported on my credit reports from Experian, Equifax, and TransUnion. The following items continue to be falsely reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3400.00} * * appearing on all three bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * appearing on Experian and TransUnion, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} * * appearing across all three bureaus. These accounts are inaccurate, unverifiable, and continue to misrepresent my creditworthiness, causing undue stress and potential financial harm. Their continued reporting violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which grants me the right to dispute inaccurate information ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, which prohibits furnishers from reporting inaccurate information ; and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy. These accounts remain on my reports despite multiple previous removal requests, demonstrating a repeated failure to comply with federal law. I am requesting the complete and permanent removal of all listed accounts from Experian, Equifax, and TransUnion, as they can not be verified with proper documentation and continue to cause financial harm and misrepresentation. I also request written confirmation once the removals have been completed so that my credit reports accurately reflect only verified and authorized information. This is my fourth formal request, and immediate compliance is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am demanding the immediate removal of several inaccurate and unverifiable accounts currently reported on my credit reports from Experian, Equifax, and TransUnion. The following items continue to be falsely reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3400.00} * * appearing on all three bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} * * appearing on Experian and TransUnion, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} * * appearing across all three bureaus. These accounts are inaccurate, unverifiable, and continue to misrepresent my creditworthiness, causing undue stress and potential financial harm. Their continued reporting violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which grants me the right to dispute inaccurate information ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, which prohibits furnishers from reporting inaccurate information ; and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy. These accounts remain on my reports despite multiple previous removal requests, demonstrating a repeated failure to comply with federal law. I am requesting the complete and permanent removal of all listed accounts from Experian, Equifax, and TransUnion, as they can not be verified with proper documentation and continue to cause financial harm and misrepresentation. I also request written confirmation once the removals have been completed so that my credit reports accurately reflect only verified and authorized information. This is my fourth formal request, and immediate compliance is required.

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 2025-11-20 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: MS

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Early Warning Services, LLC
State: CA

Complaint narrative:
was the victim of a fraudulent check scam in XX/XX/XXXX. I went to the XXXX XXXX XXXX, and the police documented that the check was fraudulent, I never received any money, and I was not responsible for the fraud. XXXX later reported this incident to Early Warning Services ( EWS ) as if I had committed fraud. 

I disputed this directly with XXXX in writing on XX/XX/XXXX, and again on XX/XX/XXXX. Both letters included the police documentation and details of the fraud. XXXX received my certified mail dispute ( USPS proof dated ) but never responded to either letter. I requested an investigation, validation documents, correction of their reporting to EWS, and written confirmation of removal. XXXX ignored all requests. 

I also disputed the same information with XXXX, and they deleted the XXXX entry, showing the information was inaccurate or unverified. Early Warning Services, however, sent me a denial on XX/XX/XXXX stating that XXXX verified the information even though XXXX never conducted an investigation or responded to me. 

This situation has caused me repeated banking denials, stress, financial inconvenience, and emotional distress for months. I am requesting that CFPB require XXXX to provide the investigation results, correct all inaccurate reporting to Early Warning Services, and remove any fraudulent information associated with me.

Company response to consumer: Closed with explanation