vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am submitting this complaint because TransUnion is currently reporting a charge-off from XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/2019, and showing a balance of {$0.00}. I am disputing the continued reporting of this account as derogatory, especially given that the balance has been resolved. Reporting a charge-off with a XXXX balance misrepresents the current status of the account and creates a misleading picture of my financial obligations. It unfairly penalizes me by continuing to present this account as delinquent, despite the fact that no money is owed. This has a direct, damaging impact on my creditworthiness, and I have already experienced adverse consequences, including limited access to credit and increased interest rates. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion is required to ensure maximum possible accuracy in the reporting of consumer credit data. An account that is paid or settled should not be reflected in a way that implies it remains in default. Additionally, if a charge-off status is reported alongside a XXXX balance, TransUnion has a duty to clearly reflect that the account no longer carries a financial obligation and should not continue to carry derogatory weight.

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 2025-06-13 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report.

These inaccuracies have adversely affected my creditworthiness and have caused undue XXXX  and financial hardship.

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 
XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I can not access my credit report from Experian. Every time I try to access my credit report I get an error message. Also when lenders try to access my credit report they say they can not find a credit report matching my information. This is very concerning and frustrating. I pay {$24.00} a month for a service I can not use. My credit report has not been updated with Experian on the mobile app in over a year. I am messing out on numerous of credit opportunities because of this error by Experian. I have been denied credit multiple times for not having a credit 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is not a mistake. My credit report contains significant inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing serious XXXX and I urge immediate correction and/or removal. Prompt resolution would be a crucial relief during an already difficult time.

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 2025-06-12 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
XXXX XXXX XXXX is unlawfully furnishing unverifiable debt data. Their response lacks FDCPA XXXX ( a ) validation no signed agreement, no chain of custody, no original creditor ledger, and no legally transferred ownership. I never authorized data transfer ; this violates XXXX XXXX ( b ). Their misrepresentation of legal rights breaches FDCPA XXXX ( XXXX ) ( A ) and ( XXXX ). FCRA XXXX ( b ) and XXXX violations apply- they continue to report inaccurate info post-dispute. Under FCRA XXXX, this is willful noncompliance. Their use of XXXX docs to validate a XXXX debt contradicts actual legal debt origination dates. They act as owners but admit they're not - making the data transfer illegal and unauthorized. I demand full deletion and federal review for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EQUIFAX XXXX breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open. 

This situation has been incredibly dXXXX and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file. 

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within XXXX ( XXXX ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the XXXX  data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open. 

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file. 

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a 30-day late payment on my XXXX account as listed on my credit report. This entry is erroneous, as my account was not past due during the time reported. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute information in my credit file that I believe is inaccurate or incomplete. I am requesting that this incorrect 30-day late payment entry be immediately removed from my credit report.

Please find attached evidence supporting my claim, including : Payment confirmations Bank statements Correspondence with XXXX ( if applicable ) This negative mark is damaging to my credit profile and has been submitted in error. I request that you conduct an immediate investigation and provide written confirmation of the outcome within 30 days as required by law. If the information can not be verified, it must be deleted from my credit file. 

. 

Thank you for your prompt attention to this matter.

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 2025-06-12 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-13 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: GA

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 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 filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. 
These fraudulent accounts consist of - Bankruptcy accounts opened at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,- and a Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a line of credit opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 
I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-12 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: GA

Complaint narrative:
I am filing a complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX regarding identity theft-related blocks. 

I submitted an Identity Theft Report, including my FTC Identity Theft Affidavit, government-issued photo ID, and a utility bill, and social security via the Equifax XXXX XXXX portal, and also mailed in the required documents to their dispute department. 

Despite complying with all documentation and procedures outlined under the FCRA, Equifax has refused to process my ID Theft Block request. When I followed up, they stated I have to mail in the documents, even though : I already mailed them in. 
I also uploaded them to their portal. 
The FCRA does not require redundant submission if documents have already been provided. 

This is a clear violation of my consumer rights under federal law. Equifax is obstructing the identity theft blocking process, delaying the removal of fraudulent accounts from my credit report, and causing continued XXXX to my credit profile. 

I am requesting that the CFPB investigate Equifax for non-compliance, compel them to fulfill their legal obligations, and ensure the fraudulent information is promptly blocked and removed from my credit file. 

Attached are my proof of submission and any relevant screenshots or confirmation numbers from the Equifax portal. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against Chase Bank regarding a case of identity theft and fraudulent debit card transactions totaling approximately {$25000.00} that occurred on my account. 

Timeline : On XX/XX/year>, I discovered unauthorized debit card transactions totaling about {$25000.00} on my Chase checking account. I immediately reported the fraudulent transactions to Chase Banks fraud department. Chase initially investigated the case, acknowledged the transactions were unauthorized, and reimbursed me for the full amount of approximately {$25000.00}. However, on XX/XX/XXXX, Chase withdrew {$20000.00} from my account, reversing majority of the previous reimbursements and leaving me with a financial loss.

Why Im Disputing : I did not authorize these transactions, and I did not benefit from them in any way. Chase has not provided any evidence that I authorized the transactions or that they were legitimate. Under the Electronic Fund Transfer Act ( EFTA ), I am entitled to protection against unauthorized transactions, and Chase can not hold me responsible for fraudulent charges unless they can show I authorized them.

Steps Ive Taken : I contacted Chase multiple times and requested written explanations of why the bank reversed the reimbursements, but I have not received a satisfactory explanation or supporting documentation. I also filed a crime report with XXXX for identity theft.

Requested Resolution : I request that the CFPB investigate this issue and help ensure Chase fully re-credits my account for the {$20000.00} that was re-debited. I also request that Chase provide a clear explanation and supporting documentation showing why they reversed the reimbursements, if they believe I authorized the transactions.

Additional Information : Chase Dispute ClaimId : XXXX, XXXXXXXX XXXX Crime Complaint Report No. : XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY XXXX ) Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I am a victim XXXX XXXX The information listed below, which appears on my credit report, is the result XXXX XXXX XXXX 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
This is not a mistaken complaint. My credit report contains serious inaccuracies that violate the standard of maximum possible accuracy. These errors are causing ongoing XXXX and I demand their immediate investigation and removal. XXXX this swiftly is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I recently examined my credit report and identified an account with inaccurate information. Specifically, XXXX payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, 2023 and XXXX, 2023. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: AR

Complaint narrative:
Dispute of Inaccurate Account on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. The item listed below is incorrect and I am requesting its immediate investigation and removal by the Fair Credit Reporting Act ( FCRA ) : - * * Creditor/Lender Name : XXXX XXXX XXXX XXXXD XXXX * * Account Number : XXXX - XXXX XXXX Reason for Dispute : Fraudulent account- This account does not belong to me. 
- The balance is inaccurate. 
- The account status is incorrect ( e.g., shows delinquent or defaulted when it is current or paid ). 
- The account is a duplicate of another entry. 
- The account was included in bankruptcy but not updated. 
- The account should have aged off ( over XXXX XXXX XXXX from the delinquency date ). 

I'm sharing copies of supporting documentation to substantiate my claim, including [ examples : a copy of my ID, a billing statement, payoff letter, deferment/forbearance approval, etc. ] here. 

Please investigate this matter and remove or correct the inaccurate information within 30 days of receipt, as required by the FCRA. Please send me written confirmation of the outcome of your investigation. 

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 explanation
Consumer complaint received 2025-06-13 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: Total Card, Inc.
State: AR

Complaint narrative:
Dispute of Inaccurate Account on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. The item listed below is incorrect and I am requesting its immediate investigation and removal by the Fair Credit Reporting Act ( FCRA ) : - * * Creditor/Lender Name : XXXX XXXX XXXXTOTAL CARD - * * Account Number : XXXXXXXX XXXX XXXX XXXX Reason for Dispute : Fraudulent account- This account does not belong to me. 
- The balance is inaccurate. 
- The account status is incorrect ( e.g., shows delinquent or defaulted when it is current or paid ). 
- The account is a duplicate of another entry. 
- The account was included in bankruptcy but not updated. 
- The account should have aged off ( over XXXX XXXX XXXX from the delinquency date ). 

I'm sharing copies of supporting documentation to substantiate my claim, including [ examples : a copy of my ID, a billing statement, payoff letter, deferment/forbearance approval, etc. ] here. 

Please investigate this matter and remove or correct the inaccurate information within 30 days of receipt, as required by the FCRA. Please send me written confirmation of the outcome of your investigation. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation