vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I reviewed my credit report and discovered multiple inaccurate and unauthorized entries that violate several consumer protection laws. These include : Unauthorized hard inquiries reported by XXXX, XXXX, and XXXX XXXX on XX/XX/year> and XX/XX/year>. I did not apply for credit with these companies, and no permissible purpose exists under the Fair Credit Reporting Act ( FCRA 604 ). 
An outdated inquiry from XXXX XXXX XXXX remains on the report beyond the allowed two-year period. 
Two accounts from XXXX are reporting incorrect balances and statuses, which is misleading and inaccurate under FCRA 607 ( b ) and 611. 
A tradeline from XXXX XXXX XXXX is reporting under my profile, but I have no relationship with this institution. This may be identity theft or a mixed file error. 
Three accountsXXXX XXXX XXXXXXXX XXXX, and XXXX reporting derogatory information without having ever provided proper validation or documentation of the debts. 
One account from XXXX XXXX XXXX is reporting an inconsistent credit limit, which results in an inaccurate utilization ratio that adversely impacts my score. 
These entries were disputed with the credit reporting agency, and a written request for verification and deletion was sent. The companies have failed to validate the information with sufficient documentation, which violates FCRA 611, FDCPA 809, and potentially CARES Act Section 4021 if any of these accounts were in accommodation status due to COVID-19.

I am requesting a full investigation and immediate removal of these unverifiable, inaccurate, and misleading items from my credit 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 explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All three credit bureaus validated all inaccurate reports when the law states otherwise

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I am submitting this complaint against Credit Karma Money XXXX serviced by XXXX Bank ) for failing to comply with mandatory Regulation E protections ( XXXX XXXX XXXX ) related to a disputed funds transfer. On [ XX/XX/year> ], funds were electronically transferred from my Credit Karma Money Spend account to XXXX XXXX XXXX XXXX XXXX ). Shortly after receipt, XXXX deactivated the destination account, imposed a hold on the transferred funds, and denied me accesswithout prior disclosure, notification, or return of value. On XX/XX/year>, I submitted a dispute to Credit Karma Money regarding a transfer of personal funds from my Credit Karma Money Spend account to XXXX XXXX XXXX XXXX XXXX ). At the time of the dispute, I was told by a Credit Karma representative that I would receive a status update or communication within XXXX hours. As of today, I have not received any such communication. This outcome is materially different from what I intended or expected. I received no benefit, and the funds are now being withheld by a third party with no service, product, or compensation provided. As defined by 12 CFR 1005.2 ( m ) and the CFPB 's Reg E compliance FAQ, this is a textbook example of an unauthorized electronic fund transfer and/or error. Furthermore, it satisfies the definition of an unauthorized electronic fund transfer or transactional error under : 12 CFR 1005.2 ( m ) ( unauthorized transfer definition ) 12 CFR 1005.11 ( a ) ( 1 ) ( ii ) transfer not completed as requested 12 CFR 1005.11 ( a ) ( 1 ) ( vii ) outcome materially different than what was agreed I followed up with Credit Karma regarding the dispute by contacting Credit Karma support. On [ XX/XX/year> ], a representative refused to escalate the call to a supervisor and disconnected the call entirely, despite this being a federally protected dispute. I then submitted a written Reg E demand to Credit Karma and XXXX XXXX, explicitly citing 12 CFR 1005.11 ( a ) ( 1 ) ( ii ) and ( vii ) and requesting : Formal acknowledgment that the dispute is being investigated under Reg E Confirmation of compliance with the 10-business-day resolution timeline Assurance that a provisional credit would be issued per 1005.11 ( c ) ( 2 ) ( i ) if needed I have received no response, no provisional credit, and no written confirmation of my rights or their regulatory obligations. Credit Karma and XXXX XXXX  are attempting to sidestep federal requirements by misclassifying this dispute or stalling investigationboth violations of Regulation E and potentially a UDAAP violation under 12 U.S.C. 5531. Their failure to properly classify and investigate this dispute, combined with poor treatment during escalation and lack of transparency, is a breach of federally protected consumer rights and warrants immediate CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am writing to formally dispute the reappearance of a previously deleted derogatory account on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and constitutes negligent or willful noncompliance under 1681n and 1681o. The account in question is : Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2500.00} This account had previously been removed from my credit file. Its reappearance without the proper notice or validation violates the FCRAs reinsertion guidelines, which require written notice to the consumer within five business days of reinsertion following deletion. No such notice was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX with XXXX had contacted an Ex-Roomate XXXX XXXX about my debt, and shared with him exactly how much I owe. He had signed a roommate release form around a year ago in XXXX, and promptly moved out and was taken off the lease, he should have not been contacted and been told my private information. He even went to our old landlord for the XXXX XXXXXXXX XXXX to confirm he doesnt owe any of the debts and she confirmed as well. But she also shared with XXXX XXXX that I owed thousands which should also have never been disclosed to him

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am, and this is my one and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't agree with the accounts listed below which still appears on my credit report even after re-investigation. 
I would like the accounts immediately re-investigated, these inaccuracies are highly injurious to my credit rating. 
INCORRECT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am, and this is my one and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't agree with the accounts listed below which still appears on my credit report even after re-investigation. 
I would like the accounts immediately re-investigated, these inaccuracies are highly injurious to my credit rating. 
INCORRECT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 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: MN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Received a phone call from a lady claiming to be from an attorney office telling me I had to agree to pay roughly {$9000.00} today or {$4500.00} in XXXX  XXXX. Or my bank accounts are going to be garnished and my property will have a lean on it. For a chase credit card I dont recall having. And they claim they got a judgement in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In this year of XXXX  i have attempted to open at least 2 bank accounts and i was unable to. Someone is opening bank accounts in my name that i have no knowledge of.

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 2025-05-19 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C . 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2025-05-19 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C . 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2025-05-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
RE : FORMAL DISPUTE & NOTICE OF INTENT TO SUE FOR VIOLATIONS OF FCRA, 15 U.S.C. 1681, AND FTC RULES To Whom It May Concern : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and FTC Regulation 16 C.F.R. Part 660, I am formally disputing the following inaccurate, unverified, and obsolete items on my credit report. Per FCRA 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days of receiving this dispute. The following items remain unverified, and your failure to respond within the statutory timeframe constitutes a willful violation under FCRA 1681n, entitling me to damages : Items for Dispute & Removal [ List accounts with : Creditor Name, Account #, Date of Late Payment, and Reason for Dispute ( e.g., " Never late, '' " No contractual agreement '' ) ] Creditor : ALL| Account # : ALL | ALL Alleged Late Payment : [ ALL ] Violation : No verification provided within 30 days of prior dispute on [ Date ]. 

Legal Basis : FCRA 1681i ( c ) mandates removal if unverified.

all claimed verified accounts Legal Demands Immediate Removal : Per FCRA 1681i ( a ) ( 5 ) ( A ) ( i ), all unverified items must be deleted immediately.

Corrected Report : Provide a free updated copy of my credit report within 5 days of correction ( FCRA 1681i ( a ) ( 6 ) ( B ) ).

Documentation : Supply all investigation records and methods used, as required by FTC 16 C.F.R. 660.4. 

Notice of Intent to Sue If you fail to comply within 15 days of this letter, I will : File complaints with the CFPB and FTC for unfair practices ( 15 U.S.C. 41 ).

Pursue civil action in federal court for : Willful non-compliance ( FCRA 1681n : $ 1,000+ per violation ).

Negligent non-compliance ( FCRA 1681o : Actual damages + attorney fees ). 

Punitive damages under state law. 

This letter serves as my final attempt to resolve this matter before litigation. 

Sincerely, 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 2025-05-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation