vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
This is now the XXXX  time I am writing to dispute the inaccurate and incomplete XXXX  information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The XXXX  information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : XXXX  Reference # : XXXX INACCURACIES OR ISSUES IN THE XXXX REPORTING XXXX. Filing Date Conflicts XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX Conflict : XXXX discrepancy XXXX. Reference Number Conflicts XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX All XXXX  are different should match for the same case XXXX. Court Name Conflicts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX different formats/labels inconsistent reporting XXXX. Closing Date Issues XXXX  ( first record ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : Missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Blank Not uniform across bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : No data at all ( type, status, date, reference #, closing date, court missing ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Same completely blank. 
Makes it look like extra XXXX  exist but with no details. 

XXXX. Duplicate / Multiple Reporting XXXX XXXX XXXXXXXX XXXX XXXX is being reported multiple times, but with different details across XXXX XXXX, and Equifax. 
This duplication can lower credit score unfairly.

7. Asset, Liability, and Exempt Amounts All three bureaus list XXXX for Assets, Liability, and Exempt Amount. 
While not always inaccurate, it looks incomplete ( many reports usually show values unless truly {$0.00} ). 


Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
XXXX XXXX : XXXX Account Number : XXXX This account does not belong to me. It was opened and/or used without my knowledge or authorization. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block and permanently remove any information resulting from identity theft. In addition, 15 U.S.C. 1681i obligates you to conduct a reasonable reinvestigation and delete inaccurate or fraudulent information from my file.

Enclosed are copies of my identity theft affidavit/police report and proof of identity. These documents provide written notice and evide
nce that the above account ( s ) must be immediately deleted from my trans Union 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this follow-up complaint to formally dispute multiple unresolved inaccuracies that remain on my Equifax, Experian, and TransUnion credit reports. Despite my previous disputes, these inaccuracies continue to misrepresent my true credit history and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

My reports contain several incorrect addresses that are not associated with me, which creates confusion and misidentifies my personal and financial background. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Under FCRA 607 ( b ) and 611 ( a ), all consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy and are required to reinvestigate disputed information. These addresses are not valid representations of my residence history and must be corrected or deleted. 

In addition, several late-closed accounts continue to appear with inaccurate or unverifiable payment histories, including : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} These accounts have been paid and closed with a XXXX balance, yet they are being reported as delinquent. Such reporting is misleading and noncompliant with FCRA 1666, 623 ( a ) ( 2 ), and 623 ( b ), which require furnishers and reporting agencies to correct or delete any inaccurate or unverifiable information once notified of a dispute. 

Lastly, my credit reports list multiple unauthorized or questionable inquiries that may not have a permissible purpose under FCRA 604, including : TRAVEL + LEISURE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and if they can not be verified as legitimate and compliant with FCRA 604, they must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

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. 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. XXXX, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the accounts below be removed immediately : Please provide a 1099c as you are stating this account has been reported as a loss and written off. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  If you can not provide a XXXX then please delete immediately. 9. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide your method of validation, then please delete immediately. 10. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please delete immediately as per my agreement with original creditor. 11. Please provide a XXXX as you are stating this account has been reported as a loss and written off yet still reporting a balance. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If unable to provide a XXXX then please delete immediately. 12. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original 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 2025-10-02 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: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
PLEASE REVIEW UNVERIFIED ACCOUNTS AND UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
PLEASE REVIEW UNVERIFIED ACCOUNTS AND UNAUTHORIZED INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom it May Concern,\n\nThis letter serves as a formal dispute of the negative accounts currently reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C 41681 et seq.) I am requesting that you immediately investigate and verify the accuracy and validity of all negative information listed on my credit report.\n\nIf the accounts in question cant be fully verified, validated and documented with proper evidence as required by the FCRA, they must be deleted promptly. Continued reporting of unverifiable or inaccurate accounts is a direct violation of federal law.\n\nFurthermore, under UCC provision regarding fair dealings and consumer protections, any attempt to collect or report information that cant be substantiated may be considered unlawful.\n\nTherefore, I demand deletion of any negative accounts that fail to meet the legal standard of complete and verifiable accuracy. XXXX XXXX XXXX XXXX XXXXALL OF THING INFORMATION IS INCORRECT. All THESE INFORMATION HAVE TO BE TAKE OFF BECAUSE IT IS INCORRECT This letter serves as a formal dispute of the negative accounts currently reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C 41681 et seq.) I am requesting that you immediately investigate and verify the accuracy and validity of all negative information listed on my credit report. It should have been taken off within 4 days. \n\nFurthermore, under UCC provision regarding fair dealings and consumer protections, any attempt to collect or report information that cant be substantiated may be considered unlawful.XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
Several inaccurate personal information on my credit file continue to be inaccurately reported. These inaccuracies not only misrepresent my true identity but also create a misleading and incomplete picture of my credit history. Under the Fair Credit Reporting Act ( FCRA ) XXXX, I am protected against errors in my credit information, and the reporting furnisher is legally obligated to investigate and correct, update, or remove any information that is incomplete, inaccurate, or unverifiable. These ongoing errors have the potential to negatively impact my creditworthiness and financial reputation. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I therefore insist that all inaccurate personal information be thoroughly reviewed, corrected, or updated immediately to ensure that my credit file accurately reflects my true personal and financial history, in full compliance with federal consumer protection laws. 
There are several collection accounts appearing on my credit report that appear to be inaccurate, incomplete, or otherwise unverifiable. These reporting errors misrepresent my true credit history and may negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 611, consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information.

Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) impose a legal obligation on furnishers to investigate any disputed information and to promptly update, correct, or remove it if inaccuracies are found. 
Original Creditor XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX Balance ; {$3000.00} XXXX XXXX Original Creditor XXXX XXXX XXXX Balance ; {$470.00} XXXX request that these collection accounts be reinvestigated, corrected, or removed if they can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Regarding the accounts ending in XXXX, XXXX, XXXX, and XXXX, please provide the complete account history. This should include the full transaction history, payment records, all consumer disclosures and notices, and any correspondence regarding disputes and payments. This request is made under the FOIA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MA

Complaint narrative:
I submitted a dispute directly to Experian to have old and inaccurate addresses removed from my credit file. I provided proof of my correct current address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) along with government-issued identification and a utility bill. Despite this, Experian refused to delete the inaccurate addresses, even though they are not valid and are tied to accounts that I do not recognize. 

Experian sent me the attached denial letter, which shows that they declined to remove the disputed addresses, claiming they were associated with legitimate accounts. This is inaccurate and unfair because the incorrect addresses should not remain on my file. Their refusal violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and complete information. 

Because Experian refused to make the correction despite being provided with sufficient documentation, I am escalating this complaint through the CFPB. The inaccurate addresses must be removed immediately, and all accounts linked to them should be investigated and corrected, as they are contributing to negative reporting and harming my credit.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Complaint Against JPMorgan Chase and XXXXXXXX XXXX Mishandling of Fraud Claim and Failure to Prevent Fraudulent Account Activity To Whom It May Concern : I am submitting this complaint regarding both JPMorgan Chase Bank , N.A . ( Chase ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX concerning their mishandling of a fraud incident involving my accounts. 

On XX/XX/year>, I discovered fraudulent activity on my business checking account with Chase. I am a long time customer of Chase that has been banking with them for over XXXX years. I promptly reported the fraud and submitted a formal police report from the XXXX Police Department. Chase, however, refused to accept this police report outright and has not properly processed my fraud claim in compliance with federal law. 

In addition, the fraudulent transactions involved a counterparty account held with XXXX XXXX. I believe XXXX failed to properly conduct Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) checks that would have prevented a fraudulent individual from opening and using that account under fictitious names. This failure facilitated the fraud against me. 

Issues of Concern : Chases Refusal to Accept Police Report Refused outright, preventing proper investigation. 

Chases Failure to Investigate Properly Appears in violation of Regulation E and FCBA requirements. 

XXXX  Failure to Prevent Fraudulent Account Opening/Use Indicates breakdown of required KYC/AML processes under federal banking regulations.

Consumer Harm Combined failures of both institutions have left me financially harmed. 

Steps I Have Taken : Filed a complaint with the XXXX XXXX Attorney Generals Office regarding Chase. 

Retained documentation including the police report and evidence of fraudulent transactions. 

Attempted to resolve directly with Chase, my own banking institution, without success or cooperation. 

Requested Resolution : I respectfully request that the CFPB require both Chase and XXXX to : Conduct a full investigation of this fraud case. 

Provide a written explanation of why my police report was refused ( Chase ) and how the fraudulent account was allowed to be opened/used ( XXXX ). 

Take corrective action, including reimbursement for the unauthorized transactions and reversal of the XXXX XXXX transactions. 

Review and strengthen their consumer protection and KYC/AML processes to prevent recurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief