vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The account in question should have aged off my report ; however, it appears that the furnisher has illegally re-aged or updated the account, causing it to continue reporting past the allowed time limit. This is a violation of the FCRA. 

I request that this item be immediately investigated, corrected, and permanently deleted from my credit report. Please provide me with written confirmation once this correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-15 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX around XXXX I made an initial payment of {$100.00} toward a loan amount of {$890.00}. I had issues making the payment due to system issues but the final payment that posted and I received confirmation for was {$100.00}. 

On XX/XX/XXXX and XX/XX/XXXX, respectively, I received multiple emails confirming a booking and on XX/XX/XXXX ( XXXX ) I received multiple emails requesting that I make initial payments towards loan amounts of {$120.00} and {$180.00}. 
On XX/XX/XXXX ( XXXX ) I called the company ( customer care ) to request they look over and remove the accounts that were made due to system error. I also confirmed the payment of {$100.00}. 
I was informed that I should receive follow-up on Monday, XX/XX/XXXX. I did not receive follow-up Monday or Tuesday so I called again on Wednesday, XX/XX/XXXX to receive follow-up. 
I spoke with someone ( in collections ) who said they would escalate the issue and that instructed that I call back at XXXX XXXX. I also called the company that the loan was paid to for the installments to confirm that only XXXX loan had been successfully requested. 

After the second call on XX/XX/XXXX I was instructed that the loans that had no payments made would automatically be removed due to the system regulating itself and that there were notes to let other XXXX know what was happening with the account. 
I received several calls on XX/XX/XXXX requesting that I make payments to bring the account current. I explained to the new agent what was discussed. 

On XX/XX/XXXX I was still receiving emails and requests that there was an unpaid account and that the payment was due. I called the loan company again and inquired about the incorrect payment request. I was informed that after reimbursement processes from the company the loan was sent to, that I now had to pay the loan amount of the account with the highest amount and interest over the shortest timeframe and that if I had submitted any former payments, that I would have to email the company with proof of that information. 
I sent the requested information via email XXXX XX/XX/XXXX ( XXXX ). I received feedback that I could receive the {$100.00} back via XXXX and not the original debit. I also sent an email to the loan recipient for further assistance on XX/XX/XXXX ( XXXX ). I have no issue paying the loan I originally initiated payment for, but I do have an issue paying more and no one being able to see why or how this is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, I called and spoke to you, so here is the ftc you requested. 

Please delete the following fraudulent hard inquiries from my file. XXXX XXXX XX/XX/year>2025, XXXX XXXX XX/XX/scrub>/2025, XXXX XXXX  XXXX/XXXX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I lost my job in XXXX of 2025. I immediately called Capital One because they are the only card that doesn't have credit protection. I asked what options on assistance with this card were because I was XXXX. They stated that they would give me three months no interest, but I still had to make the payment. This was unacceptable because I was XXXX  and unable to receive unemployment. I missed two payments. One in XXXX and one in XXXX. They stated that I missed three which was not the case. They stated that I had to pay over XXXX in order to get back on track with my credit card. They have been reporting all of this to the credit bureau even though I was paying payments. My score has dropped tremendously. I contacted them on numerous occasions to see what could be done. They stated that I could do a payment plan and asked me how much I could pay. I advised them that I could pay {$60.00} dollars a month. I asked if we could make it that amount, but I would pay more when I was able, they told me that there was no option to pay that amount meaning they wanted to dictate how much I pay them instead of me paying what I was able to afford. I advised them to close the card, and I will pay them until the card is paid off. They agreed but they are still reporting it to the credit bureaus and not allowing me to pay them the amount that I have. I have been trying to pay what I can every week to get this card paid off and they are being very uncooperative. I have to contact them directly in order to pay an amount other than what they would like me to pay. This card is not made to help the consumer. The interest rates are extremely high as mine is 27.24 % .I will hold myself accountable for not knowing that or else I would never have accepted that card. They do not have credit protection, and they are the worst at assisting someone in their time of need. The card is now closed but they are still reporting it to the credit bureaus ruining my credit. I have had this card for years and I pay it early every month. That should let them know that if I say I can't pay then I really can not pay. This situation is really hindering me from moving on with my life because it's affecting my credit score in the worst way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-15 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: NY

Complaint narrative:
XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX was reported on my Experian credit file without any authorization from me. I disputed this account on XX/XX/XXXX, and it should have been removed permanently. Instead, Experian allowed this account to be reinserted into my credit file without my knowledge, without notice, and without proper verification. That action is not only unacceptable, it is unlawful. 

Under 15 U.S.C. 1681b, no information may appear on my credit file unless there is a valid permissible purpose and my explicit written authorization. I have not given Experian, nor this furnisher, permission to report this account. By keeping this in my file, Experian has blatantly disregarded the law. Additionally, reinsertion without proper notice violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires consumer notification and verifiable proof before an account can be added back. None of those requirements were followed here.

Experians failure to handle this dispute in a lawful manner is extremely damaging. This reinserted account is now harming my creditworthiness, lowering my score, and affecting my ability to secure credit and financial opportunities. The FCRA is very clear that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information under 15 U.S.C. 1681e ( b ). By reinserting an unauthorized account, Experian is violating this obligation in full.

I am beyond disappointed and frustrated by this negligence. This is a direct violation of my rights, and the impact on my financial life is severe. I am demanding the immediate and permanent deletion of this account, and I expect written confirmation that Experian has updated my file and that this account will not be reinserted again without full compliance with federal law. Failure to comply will be treated as willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, leaving Experian fully liable for statutory, actual, and punitive damages, plus attorneys fees.

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 2025-09-15 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: NY

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-15 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-15 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute multiple unauthorized inquiries on my credit report, which I believe to be fraudulent and potentially connected to identity theft. My report shows several inquiries from companies I have never engaged with, and I have not applied for new credit or authorized these checks. I previously disputed these inquiries, yet they remain on my credit report, which is unacceptable. Their continued presence raises serious concerns about the security of my personal information and the possible misuse of my identity, while also causing me significant stress and anxiety.

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 2025-09-15 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XXXXXXXX XXXX  I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXXXXXX XXXX  - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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