vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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 recently reviewed my credit report and found a fraudulent account listed that I had no involvement in opening. I have never had any business or credit relationship with the reporting party. This account was added in error or due to identity fraud, and I demand its removal.

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 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the presence of a medical collections account listed on my credit report. Upon thorough review, I can confirm that I do not owe any outstanding medical debt. I recently visited my primary care provider, who verified that my account is in good standing with no unpaid balances. 

Furthermore, under the Consumer Financial Protection Bureaus ( CFPB ) Final Rule issued XX/XX/year>, medical debt is no longer permitted to appear on consumer credit reports used by lenders. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), prohibits credit reporting agencies from including medical bills and bars lenders from using such information in credit decisions. 

Given this regulatory change, the continued reporting of medical collections on my credit file is both inaccurate and noncompliant with federal law. I respectfully request that this entry be removed immediately and that confirmation of its deletion be provided in writing. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$500.00} XX/XX/year> 2025

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My credit card was stolen from me. I told capital one about the dates and transactions that I did not authorize due to my credit card being stolen. They said it will take XXXX  days to correct. That is extremely unacceptable considering how my card was stolen through no fault of my own and its causing financial hardship. This is something that I expect capital one to resolve much sooner than XXXX  days. I tried to speak with management. I tried to get in touch with corporate office, but was not successful. No one can provide me information on my stolen credit card and the unauthorized transactions that I reported immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
: Formal Dispute of Charge-Off Demand for Investigation and Removal under FCRA 611 & 602 ( a ) XXXX XXXX XXXX - # XXXX XXXX XXXX  - # XXXX XXXX XXXX - # XXXX XXXX  - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed out of {$1700.00} while trying to sell a game account for {$1800.00} to a buyer named XXXX XXXX, whom I met through the XXXX community. XXXX created a group chat with someone he claimed was a middleman, XXXX XXXX, on XXXX. XXXX then messaged me privately and instructed me to send {$200.00} as a guarantee payment via my XXXX debit card to complete the transaction. 

After sending the money, XXXX ghosted me for several days, then came back with excuses that I later realized were fabricated. He repeatedly requested more money, and I continued to send payments out of trust, not realizing I was being manipulated in a scam. Eventually, XXXX blocked me on XXXX, and I never received any payment for my account. I now believe XXXX and XXXX were working together in a coordinated scam. 

I contacted Chase shortly after being blocked, explained the situation in detail, and submitted a fraud claim along with multiple screenshots of our conversations, the agreement, and the moment I was blocked. Chase opened the claim and issued temporary credits to my account. However, the claim was later closed and denied, and the credits were removed. 

I followed up with Chase again after realizing the full scope of the scam and requested a reconsideration, but they refused to reopen the case. 

I am asking for a formal review of this case. I reported the fraud in good faith, submitted clear evidence, and acted quickly. As a consumer using a debit card, I understand I am protected under the Electronic Fund Transfer Act. I am requesting a full refund of the {$1700.00} that was fraudulently taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I filed a complaint with Equifax on XX/XX/XXXX in regards to a Medical Debt Collection that was still showing on my credit report, which is a violation of the new FCRA act of XXXX. 
The dispute resolution was completed on XX/XX/XXXX. I pulled up my Equifax credit report today, XX/XX/XXXX and I see it's still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I submitted disputes for multiple accounts on my credit report that contained inaccurate or unverifiable information. because I have no acknowledgment or I didnt these accounts. After completing their reinvestigation, the credit bureau acknowledged there were inaccuracies and stated they would issue a corrected report. 

However, instead of deleting the accounts as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), they merely updated or corrected the information. This violates federal law, which clearly states that if any information is found to be inaccurate or can not be verified, it must be permanently deleted from the consumers credit file. 

Despite my efforts and clear evidence, these inaccurate accounts continue to report and damage my credit. I have exhausted all reasonable steps with the credit bureau and the furnishers, but they have failed to comply with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-31 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 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: CT

Complaint narrative:
1. COVID/CARES Act Protections : My moveout and alleged charges occurred during the COVID19 emergency period.

Under the federal CARES Act and local XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  Ordinance XXXX ; XXXX XXXX XXXX XXXX & XXXX ), lease penalty clauses and insufficientnotice fees were suspended or unenforceable during the pandemic.

The {$1400.00} insufficient notice fee and related balance are therefore legally unenforceable. 
XXXX. XXXX XXXX XXXX failed to validate : They have not provided proof of assignment or ownership authorizing them to collect or furnish this debt. 
They have not provided a moveout inspection report or signed itemized statement as required by Texas Property Code 92.104 & 92.1041.

Their validation packet only included a generic ledger, which does not meet FDCPA 809 ( b ) or FCRA 623 ( b ) requirements. 
XXXX. Experian & Equifax are in violation of the FCRA : FCRA 611 ( a ) : Repeated verified results without reviewing actual documents is not a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ) : I requested a Method of Verification, and neither bureau provided the name of the verifier, date of verification, or underlying documents.

FCRA 623 ( b ) : The furnisher continues to report an unverified and unenforceable debt, and the bureaus are facilitating that.

Impact : This inaccurate reporting has blocked my housing applications and misrepresents me as delinquent when the alleged balance is void under COVID emergency protections and the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX  business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 2025-07-31 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: NJ

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am not liable for this account # # # # # # XXXX credit collection is trying to charge me. I do not have a contract with credit collection nor with the amount they trying to charge me. I demand for this account to be reviewed/verified and deleted immediately since its violating the fair credit regulations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 submitting this formal dispute to address a fraudulent account that appears on my credit report. I have no knowledge of this account, nor have I ever authorized any transactions or opened an account with the listed creditor.

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 2025-07-31 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: NC

Complaint narrative:
Demand for Immediate Validation or Removal of Unverified, Negative, and Harmful Items Dear TransUnion Dispute Department, Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am formally requesting immediate validation and verification, including signed original creditor contracts and documented proof of debt, for each of the following negatively reported accounts currently harming my credit profile : Accounts requiring immediate validation or removal : XXXX XXXX XXXX XXXX Closed/Negative ) XXXX XXXX XXXX ( {$23000.00} Past Due ) XXXX XXXX XXXXXXXX XXXX ( Closed - Negative reporting ) XXXX XXXX XXXX ( Closed - Negative reporting ) XXXX  ( Closed - Negative reporting ) XXXX XXXX XXXX ( XXXX ) XXXX {$3200.00} collection XXXX XXXX XXXX XXXX ( {$390.00} collection ) Unauthorized or outdated hard inquiries ( must be removed immediately ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Notice of Intent : You have 30 days to provide full verification with documented proof of each disputed items legitimacy or immediately delete these entries from my credit report. Failure to comply will lead to immediate escalation, including filing complaints with CFPB, FTC, State Attorney General of North Carolina, and potential legal action for FCRA noncompliance and defamation of my credit character. 

I expect written confirmation of resolution upon completion. 

Respectfully, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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 2025-07-31 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 letter is a formal dispute and request for deletion of a fraudulent account listed on my credit report. I have reviewed my file and discovered an account that is not associated with me in any way. I did not open this account, and I have never given anyone permission to open accounts on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-31 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: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/year> I received an email from Experian that they were not able to dispute the account. The email stated Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. As of today XX/XX/XXXX I am providing specific information to all XXXX credit bureaus and the company collecting debt to fix this issue based bylaw According to15 USC 1692c you have violated my rights in lawful communications. Please remove this collections off my credit report thank you.

Company response to consumer: Closed with explanation