vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 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 sent a letter to remove items that are UNKNOWN to me. I came across this law today, and according to the FCRA 605XXXX ( XXXX U.S.C. XXXX-2 ), you are required to remove any inquiry or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Below are the accounts I am challenging : XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : This account shows more than 30-day late payment from XX/XX/XXXX which is inaccurateI made timely payments. My last payments were XX/XX/XXXX XXXX. Creditor Name : Navy Federal Credit Union Account XXXX : I cant find this account number Dispute Reason : This account showed a charge off, I need a contract from the collector. And its been closed since 4 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : This account is reported as paid with a XXXX balance. It was previously reported as in Collection. But still showed as pending for collection in my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
Below are the accounts I am challenging : XXXX. Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : This account shows more than 30-day late payment from XX/XX/XXXX which is inaccurateI made timely payments. My last payments were XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account XXXX : I cant find this account number Dispute Reason : This account showed a charge off, I need a contract from the collector. And its been closed since 4 years XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dispute Reason : This account is reported as paid with a XXXX balance. It was previously reported as in Collection. But still showed as pending for collection in 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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The activities were not by my own actions. I believe I was forced to comply with ransom through threats and coercion. The withdrawal of money from my bank was directed by someone I now know was a false representative of my bank. It began when my computer alerted me to a virus threat. After failing to clear the threat I called the number included with the virus warning. The person answering provided directions to clear the virus by using remote access. I was then informed my computer had been hacked and he could help. I was informed of potentially illegal activity from several hackers using my computer for an address of those illegal activities. I was further informed that the activities are in violation of FCC and a report would be filed. Furthermore I was told that based on the hackers activity not only my accounts are at risk but also anyone else Im in contact with. Also based on these activities I was told movement of money is common. From there this same individual said he could expedite secure connection with financial institutions. I then received a call from a fraud specialist from my bank that I now know was fake. He had intimate knowledge of my accounts with amounts and recent transactions. He informed me that I could be in violation of several federal crimes even though I didnt do anything but because of the attempted withdrawals from the hackers made me an accomplice. I was also told that this particular bank has been under investigation for money laundering with foreign entities. I was then told I could be cleared and help with finding evidence for the banks illegal activities as well. So I was given specific directions to withdraw a certain amount of money and then go to particular locations to deposit the money so that the money could be tracked by the banks fraud department. The first individual that supposedly help clear the virus called the next day if I had any questions. I said yes and began to record him. I next received a call from the fraud department too. I began asking questions and the two individuals I spoke with became frustrated and I was hung up on. This conversation was recorded also. I have not heard from them since. Proper authorities were alerted since then. I have been scammed, without money and a local bank branch that doesnt care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
The credit bureaus must obey many laws, including the Fair Credit Reporting Act ( FCRA ). And according to the FCRA insert condition such as an incorrect balance an incorrect account number an undated late pay a missing field of missing field here such as status the wrong account type an incorrect a late pay after account was closed an inaccurate date of last activity an inaccurate date of last update a charge off listed as open a collection account with an inaccurate reporting dateLEAD BANK self XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % account Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving PAID CHARGE OFF VARIABLE RATE. PAID CHARGE OFF VARIABLE RATE. XXXX # XXXX Open/closed Closed Date opened XX/XX/XXXX Account type, Account, XXXX, XXXX Installment reported late payment XX/XX/XXXX XXXX XXXX XXXX XXXX PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of nine unauthorized credit inquiries list According to the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer reporting agency may only furn Here are the unauthorized inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I did not authorize any of these credit checks. I am a victim of identity theft and request that these hard inquiries be removed from my Experian 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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Capital one XXXX XXXX  was closed by company XXXX  fees of XXXX was charges with the payments made to card direct out of my personal Bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 2025-05-24 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:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 non-monetary relief
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-05-24 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: IL

Complaint narrative:
b'Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https://www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 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: IL

Complaint narrative:
b'Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https://www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Jefferson Capital Systems. The account was originally opened with XXXX and has since been sold to Jefferson Capital. However, Jefferson Capital is reporting an opened date that does not reflect the original date of delinquency on the XXXX account. 

Under the Fair Credit Reporting Act ( FCRA ), negative information such as collection accounts can only be reported for seven years from the original date of first delinquency. Jefferson Capitals reporting of a new opened date is misleading, does not match the original account history, and is extending the time this negative item is appearing on my credit report. This practice is not in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
XXXXI am submitting this complaint to notify you that I have been a victim of identity theft. In accordance with FCRA Section XXXXB, I understand that credit reporting agencies are required to investigate any accounts or information listed in an identity theft report. I will be filing an official report with the Federal Trade Commission (FTC) at XXXX, and I have attached supporting documents to assist in your investigation. Below is a list of items that do not belong to me and were opened or reported without my knowledge or authorization:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on mycredit file. I would like you to verify the information below and verify that its notuntimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXXXXXX Balance {$4000.00} XXXX XXXXXXXX Balance {$2300.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently checked out my credit report and I've seen some errors. 
My Experian is reporting an account status inaccurately. And this account needs to be updated correctly. 
XXXX XXXX Account # : XXXX * * * * is reporting late payments but my XXXX is reporting as On Time for this account. Experian is Reporting this information inaccurately and needs to be updated to On time. So that it will all reflect the same information with no misleading information. I am aware that all this information needs to be completed and accurate according to the FCRA.

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 2025-05-24 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: MI

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-05-24 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: MI

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
FirstPoint Collection Resources has failed to provide me with the required documentation to validate the alleged debt they are reporting to Equifax. Despite my requests under the Fair Credit Reporting Act ( FCRA ) and my rights under 609 ( a ) ( 1 ) and 611 ( a ), they have not provided a copy of any original signed contract, billing statements, or chain of custody verifying the ownership and legal right to collect on this debt. Additionally, they have failed to furnish a detailed itemization of the debt, proof of assignment from the original creditor, and proper identification of the actual original creditor. This failure to validate the debt while continuing to report it constitutes a willful violation of FCRA and results in inaccurate and misleading information remaining on my credit file.

Company response to consumer: Closed with explanation