vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted a prior compliant on XX/XX/year>. It was requested that i provide authorization without a proper way or method to do so and i was instructed in submitting another complaint. This is a violation of FCRA rights and i am disturbed that this tactic is being used to prevent accountability regarding Experian. I, XXXX XXXX, am filing this complaint regarding inaccurate and harmful information reported by XXXX XXXX XXXX to Experian. This account is being reported as a charge-off, but the information is inaccurate and fraudulent. Disputed Information Creditor : XXXX XXXX XXXX Account Type : Auto Loan / Financing Status Reported : Charge-Off Balance Owed : XXXX Reporting Bureau : Experian only Reasons for Dispute Identity Theft & XXXX  XXXX XXXX I was a confirmed victim of the XXXX  XXXX XXXX. This XXXX XXXX XXXX account is fraudulent and not mine. This tradeline is false and inaccurate. Violation of FCRA ( 15 USC 1681c-2 ) Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 , I have the right to have fraudulent information blocked from my credit report. Despite previous disputes, this account continues to appear. Missing 1099-C Documentation If XXXX XXXX XXXX is reporting a charge-off, they are legally required to issue a 1099-C Cancellation of Debt notice. I have never received such a notice, further proving the inaccuracy of this account. Harm Caused Ongoing negative impact to my Experian credit score. Loss of credit opportunities and financial harm. Emotional distress due to being inaccurately reported as delinquent.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I no longer am able to make an automated payment due to return payment. When I scheduled my payment on line on XX/XX/year> and upon verification this payment was not reflected on my portal information which resulted in me making another payment XX/XX/year> that was returned. Im now being told that I have to submit certified funds which will be at an additional cost that I can not afford. I should not be held accountable for an error that was made on the mortgage companys website

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-19 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: FL

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

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 2025-09-19 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: FL

Complaint narrative:
Subject : Formal Dispute of Alleged Debt XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the above-referenced debt that XXXX  XXXX XXXX XXXX XXXX ) is attempting to collect and report. 

XXXX. Balance Discrepancy According to portfolio recovery, this is last verified billing statement from XXXX XXXX ( XX/XX/XXXX ) shows a balance of {$1800.00} ( copy attached ). XXXX, however, is attempting to collect {$2200.00}. This is nearly {$400.00} higher than the verified balance. 

XXXX. Insufficient Validation Despite multiple requests, XXXX has not provided billing statements or an itemized accounting that explain how the alleged balance increased. Instead, XXXX only provided : A transfer of ownership letter from XXXX XXXX dated XX/XX/XXXX. 
XXXX  own balance summary. 

Neither of these documents show how the balance increased from {$1800.00} to {$2200.00}. 

XXXX. FDCPA & FCRA Violations Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to proper validation of the debt, including account-level records and an itemized breakdown. XXXX has not provided this. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure that any data they report is accurate and complete. Reporting an inflated and unvalidated balance violates this requirement.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed my XXXX  XXXX  card after they deemed my dispute to be legitimate. They can make it right, but they have decided to harm me and my business. That is fine, they can have the right to what they want. But that does not mean it is not my right to dispute what I believe to be false. This is my second request. I have attempted to call and speak to the executive office, emailed, and mailed a letter. After some investigation I realized what occurred. I booked a hotel and cancelled the reservation. To the best of knowledge and the letter received from the hotel, it was cancelled. The hotel was located in XXXX. I attempted several times to call, but it appeared to be a third party booking system. 
I did book the hotel, and legitimately believed that I cancelled within the allotted time frame. I accept the charge and will pay it, but what is not right to allow Chase to cancel and take all my points without warning. This is deceptive and I am loyal small business owner, with no other account issues. I had the right to dispute the charge and chase has the right to deny. The denial of the dispute is not the issue. This is and was my ONLY dispute. Chase is now portraying to customers, do not dispute or we will just shut your down and take your points. I am not understanding how we are allowing Chase to simply not honor the reinstatement of my points? This is simple request. I will pay the hotel charge they deemed legitimate, but closing my card with NO warning or a simple hey please move your points. My spouse and I have had chase cards for 10 years with no issues. I am just looking to get my points and trust me I will never be a loyal chase member again. I mistakenly thought a dispute was the process, as I felt I was in the right. I emailed and received notification the hotel was cancelled. All Chase needed to do was best practices and let me know. As a small business owner this is a big cost to me. I work hard for everything I have and Chase is going to take away that just because they do not agree. I still have the right to as it is an option, and Chase can make this right. They are making the choice to conduct poor business habits. This is disgusting to say the least. They have the power to make it right and they chose to harm a small business owner. I am expecting Chase and CFPB to listen to the consumer and understand this is poor business practices and harming the consumer is not justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed false late payments reporting on my auto loan account XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For the Months of XX/XX/XXXX and XX/XX/XXXX, with TransUnion. After I provided proof, the late payments were deleted. Recently, I discovered that TransUnion reinserted the same late payments without notifying me. This violates the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires written notice within 5 business days and disclosure of the furnishers contact information when previously deleted information is reinserted. Nothing was provided. I attached the proof of deletion, original letter sent on XX/XX/XXXX for the deletion of both false late payments, bank statements, ID and utility Bill.

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 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-09-19 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be included. I am requesting verification of these entries, and if they can not be confirmed, they must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Hello, I am following up regarding my complaint against Fair Collections & Outsourcing. I note that the company has requested additional time, stating they are waiting for information from their client. While I understand delays may occur, I want to emphasize that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to a clear and timely validation of the alleged debt.

As of today, I have not received proper documentation validating the debt, including proof of the amount, itemization, and verification that the company has the legal right to collect on it. Until such documentation is provided, any continued collection activity is not compliant with the FDCPA.

I respectfully request that the company provide a full and documented response to my complaint without further delay. Please also ensure that all communications and actions regarding this matter are paused until validation is received, as required by law. 

Thank you for your assistance in ensuring my consumer rights are upheld. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: IL

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

Company 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 2025-09-19 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XX/XX/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 2025-09-19 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was apart of the Experian data back in XXXX. My personal information was exposed and I did qualify for compensation. When I contacted them regarding this I was notified by serval different agents I needed to prove that my information was exposed. I then notified them I was notified by Experian my personal info rip. Was exposed and that I am looking for my compensation that this has caused me. I was then notified by their agent I had to prove that my informing was in fact exposed. 

Agent I spoke with stated her name was XXXX and I was also told by the oversee supervisor it was no support assistance that she can provide me on XX/XX/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 2025-09-19 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:
I am writing to respectfully request a review of the late payment ( s ) reported on my account. These occurred while I was incarcerated a situation that caused a temporary but significant hardship. I have since resumed regular payments and am doing everything I can to maintain a positive financial record.

Company response to consumer: Closed with non-monetary relief