vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from 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
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Chase closed my checking account and set a debit XXXX XXXX check charge {$5300.00} On XX/XX/XXXX I received {$5000.00}. However Chase still owe me {$300.00} even I phoned to customer service team 2 times and they requested me to talk to a banker who checked and set a case on XXXX. 
Until now I didnt get any reply and get fund back Kindly help settle it and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I regularly check my credit report because maintaining a good credit score is important to me, but I continue to see multiple inaccurate and false items reported across several accounts. This has been an ongoing issue that hasnt been resolved, no matter how many times Ive raised it. Its stressful, exhausting, and has been unfairly impacting my credit standing and overall well-being.

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 2025-11-07 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: ID

Complaint narrative:
I have disputed this alleged debt with XXXX XXXX XXXX on more than XXXX separate occasions. The debt in question originated under my former business, which closed in 2021. I have repeatedly requested proper validation specifically an original account-level statement from XXXXXXXX XXXX XXXX XXXXXXXX XXXX showing actual purchase transactions and confirming that I personally guaranteed the account. 

XXXX has failed to provide any such documentation. Instead, they sent internally generated summaries that contained only interest and late-fee entries and appeared to have been modified to show my personal name and address. These documents do not establish that I am personally liable for the business account. 

Despite failing to validate the debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), XXXX has now forwarded this matter to a law firm, XXXX XXXX XXXX, to pursue legal collection action. I view this as continued collection activity on an unverified debt, in direct violation of federal law. 

I am requesting that XXXX immediately provide full verification as required by law including original documentation from XXXXXXXX XXXX XXXX XXXX XXXX showing actual transactions and any personal guarantee or remove this account from all consumer credit reports and cease all collection activity.

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 2025-11-07 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against the XXXX major credit bureaus TransUnion, Equifax, and Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with multiple lawful dispute requests. 

I previously submitted disputes regarding inaccurate and unverifiable information appearing on my credit reports. Despite repeated notices and sufficient time to reinvestigate, the bureaus have continued to report the same inaccurate items without providing proper documentation or verification. Their continued inaction and refusal to correct these errors have caused harm to my credit standing and violated my consumer rights under federal law. 

The following FCRA provisions have been violated : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy The bureaus have failed to provide : Any documentation used to verify the disputed accounts The method and procedural details of the verification process The contact information for the furnishers relied upon for verification

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 2025-11-07 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against the XXXX major credit bureaus TransUnion, Equifax, and Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with multiple lawful dispute requests. 

I previously submitted disputes regarding inaccurate and unverifiable information appearing on my credit reports. Despite repeated notices and sufficient time to reinvestigate, the bureaus have continued to report the same inaccurate items without providing proper documentation or verification. Their continued inaction and refusal to correct these errors have caused harm to my credit standing and violated my consumer rights under federal law. 

The following FCRA provisions have been violated : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy The bureaus have failed to provide : Any documentation used to verify the disputed accounts The method and procedural details of the verification process The contact information for the furnishers relied upon for verification

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 2025-11-06 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They, in fact, did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted time and money on mailing my disputes out. I sent personal information to verify my identity through mail just for them not to thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I am disputing inaccurate credit reporting by Trident Asset Management, LLC regarding an alleged {$610.00} balance related to an XXXX XXXX account. 

The original creditor, XXXXXXXX XXXX, confirmed in writing on XX/XX/year>, that their tradeline was deleted and that the account was sold to XXXX XXXX XXXX XXXX XXXX. Despite this, Trident continues to report the account on my credit reports.

The information being reported appears outdated and potentially inaccurate based on XXXXXXXX XXXX  statement. I am requesting that Trident either correct or remove this account from all credit bureaus if they can not confirm current, accurate ownership and reporting details. 

This complaint concerns inaccurate credit reporting and failure to maintain complete and current information under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX  is furnishing inaccurate and misleading information to both Experian and XXXX 

The XXXX account in question has been re-aged and/or reported with incorrect dates, making it appear newer or more active than it actually is. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires furnishers to provide accurate, complete, and up-to-date information.

I have already disputed this information directly with the credit bureaus, but it continues to appear inaccurately. I am requesting that the CFPB investigate XXXX Banks reporting practices and ensure that both Experian and XXXX correct or delete the disputed account if XXXX can not verify it accurately with proper documentation.

Please note : The account should not show any recent activity or updates, as it was charged off long ago.

Any Date of Last Activity, Date Opened, or Payment History being modified recently is re-aging, which extends the negative impact unlawfully.

I am requesting that this account be deleted from my credit report if it can not be verified accurately in accordance with FCRA Section 611 ( a ) ( 5 ) ( A ).

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 2025-11-07 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: PA

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX  is furnishing inaccurate and misleading information to both XXXX and Equifax. 

The XXXX account in question has been re-aged and/or reported with incorrect dates, making it appear newer or more active than it actually is. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires furnishers to provide accurate, complete, and up-to-date information. 

I have already disputed this information directly with the credit bureaus, but it continues to appear inaccurately. I am requesting that the CFPB investigate XXXXXXXX XXXX  reporting practices and ensure that both XXXX  and Equifax correct or delete the disputed account if XXXX can not verify it accurately with proper documentation. 

Please note : The account should not show any recent activity or updates, as it was charged off long ago. 
Any Date of Last Activity, Date Opened, or Payment History being modified recently is re-aging, which extends the negative impact unlawfully. 

I am requesting that this account be deleted from my credit report if it can not be verified accurately in accordance with FCRA Section 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a Discover card open in my name that I did not open. I had mail delivered to an old address and my information was used to open a credit card. I notified the credit card company that I did not open this credit card and they told me that everything was verified and in my name I filed multiple identity theft complaints and ask them to remove the credit card and they told me that they would not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Im submitting this complaint regarding several late payments that was reported on my student loan accounts. The payments was made on time, but it was either not properly processed or not reflected in my accounts until after the due date. As a result, my credit report shows several late payments that I know are inaccurate. 

I contacted the loan servicer to resolve the issue. Despite this, the servicer has not corrected the late marks or provided written confirmation that they will do so. 

Im requesting that the Consumer Financial Protection Bureau review this matter and assist in having the inaccurate late payments removed from my credit report, as it does not reflect my actual payment history.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Statement dated XX/XX/year> had a negative credit balance of ( XXXX ) I called to have a credit refund check mailed to me. Bloomingdales credit services refused.

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 monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-07 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: NJ

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: NV

Complaint narrative:
I submitted a formal written dispute to [ LexisNexis/CoreLogic/Innovis/SageStream ] on [ insert date ], regarding XXXX public record judgments that appear on my consumer report. These are court records that are not accurately reported and XXXX not be verifiable under the Fair Credit Reporting Act. 

Specifically, I disputed : 1. Truist Bank JudgXXXX XXXX XXXX XXXX XXXX Case No. XXXX XX/XX/year> {$35000.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. XXXX XX/XX/year> {$28000.00} XXXX requested a reinvestigation under FCRA 611, including full method of verification, documentation, and the original data source. I also requested removal if the item could not be verified. 

As of today, I have received [ no response/ an incomplete response/ a verified status with no documentation ]. They did not provide verification, and the disputed items remain. 

This is a violation of the FCRA and I am requesting : Immediate deletion of the inaccurate or unverifiable public records A full response showing how the items were verified ( or acknowledgment of failure to verify ) Please intervene and hold the company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I had paid off XXXX XXXX account XXXX {$550.00} as of XXXX but Transunion has been given monthly the evidence showing this account PAID and they continue to report inaccurate information on my credit report and this is causing a financial hardship due to Transunion not investigating and re-investigating to correct the issue each month.

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