vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-06 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: CA

Complaint narrative:
Im filing a formal complaint against all three credit bureaus Experian, TransUnion, and Equifax for their failure to conduct a lawful and thorough reinvestigation of multiple disputed items, despite repeated attempts since early XXXX. 

1. Experian Violations : Reporting closed collection accounts ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  with outstanding balances, which is a Metro 2 compliance violation. Closed accounts can not legally report a balance.

I disputed these items multiple times directly and through the CFPB, yet Experian continues to verify the inaccurate data without supplying documentation under FCRA 611 and 623 ( a ) ( 3 ).

Additionally, Experian is reporting 11 hard inquiries, some of which I never authorized ( e.g. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and failed to validate permissible purpose under FCRA 604 and 609 ( a ) ( 1 ).

2. TransUnion Violations : TransUnion is reporting multiple derogatory items ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ) with charge-off statuses that do not match payment history or dispute comments. 
XXXX is still reporting a balance and derogatory status even after I disputed it. This is another Metro 2 violation an account cant be reported as both paid/closed and still derogatory. 
XXXX hard inquiries ( XXXX XXXX XXXX XXXX ) also remain without my authorization and no reinvestigation evidence was ever provided. 

3. Equifax Violations : Reporting 6 hard inquiries ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without proper consumer consent. 
I never submitted applications on those dates, and Equifax has ignored multiple disputes and failed to produce proof of authorization another violation of FCRA 604 and failure under 611 to properly reinvestigate.

Ive provided visual proof of these issues with each submission. I am requesting the immediate deletion of the following : All inaccurately reported derogatory accounts across all three bureaus All unauthorized hard inquiries Full compliance with FCRA and Metro 2 reinvestigation guidelines These errors are costing me funding opportunities and business approvals. I expect a full and urgent resolution.

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 2025-06-06 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: CA

Complaint narrative:
Im filing a formal complaint against all three credit bureaus Experian, TransUnion, and Equifax for their failure to conduct a lawful and thorough reinvestigation of multiple disputed items, despite repeated attempts since early XXXX. 

1. Experian Violations : Reporting closed collection accounts ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  with outstanding balances, which is a Metro 2 compliance violation. Closed accounts can not legally report a balance.

I disputed these items multiple times directly and through the CFPB, yet Experian continues to verify the inaccurate data without supplying documentation under FCRA 611 and 623 ( a ) ( 3 ).

Additionally, Experian is reporting 11 hard inquiries, some of which I never authorized ( e.g. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and failed to validate permissible purpose under FCRA 604 and 609 ( a ) ( 1 ).

2. TransUnion Violations : TransUnion is reporting multiple derogatory items ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ) with charge-off statuses that do not match payment history or dispute comments. 
XXXX is still reporting a balance and derogatory status even after I disputed it. This is another Metro 2 violation an account cant be reported as both paid/closed and still derogatory. 
XXXX hard inquiries ( XXXX XXXX XXXX XXXX ) also remain without my authorization and no reinvestigation evidence was ever provided. 

3. Equifax Violations : Reporting 6 hard inquiries ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without proper consumer consent. 
I never submitted applications on those dates, and Equifax has ignored multiple disputes and failed to produce proof of authorization another violation of FCRA 604 and failure under 611 to properly reinvestigate.

Ive provided visual proof of these issues with each submission. I am requesting the immediate deletion of the following : All inaccurately reported derogatory accounts across all three bureaus All unauthorized hard inquiries Full compliance with FCRA and Metro 2 reinvestigation guidelines These errors are costing me funding opportunities and business approvals. I expect a full and urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-06 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: MS

Complaint narrative:
I HAVE NO KNOWLEDGE OF INQUIRIES AND NEED REMOVED. THANK YOU. 
XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MS

Complaint narrative:
I HAVE NO KNOWLEDGE OF INQUIRIES AND NEED REMOVED. THANK YOU. 
XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-06 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: MS

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$400.00} Date Opened : XX/XX/XXXX Payment Status : Current Late Days : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX Payment Status : Late XXXX Days XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - 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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-06 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: TX

Complaint narrative:
THE FOLLOWING ADDRESS IS INACCURATE AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, TX 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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: PR

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution of my prior dispute submitted on XX/XX/XXXX, concerning multiple unauthorized credit inquiries that continue to appear on my consumer report. Despite the time elapsed, I have not received any meaningful resolution or documentation in response. 
According to my rights under the Fair Credit Reporting Act ( FCRA ), I am protected from unauthorized access to my credit file and entitled to full transparency and corrective action when such access occurs. Specifically, I invoke the following sections : Applicable Legal Basis Section 611 ( 15 U.S.C. 1681i ) : Mandates that credit reporting agencies must promptly and reasonably investigate any disputed information. Over 30 days have passed since my initial dispute, and no proper reinvestigation or results have been provided. 
Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain full disclosure of the information in my credit file, including a record of who accessed it and the results of any investigation. This has not been fulfilled.

Section 604 ( 15 U.S.C. 1681b ) : Defines the only permissible purposes under which my credit report may be accessed. These inquiries were made without my knowledge or consent and do not qualify under any allowable criteria. 
Unauthorized 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 I never authorized these inquiries, nor was I presented with any terms of credit, application, or consent relevant to these entities.

Formal Request for Resolution I hereby demand the following actions be taken without further delay : Reinvestigation : Conduct a thorough and documented reinvestigation of each inquiry listed above.

Removal : Delete all inquiries found to lack a permissible purpose or valid consumer authorization.

Updated Credit Report : Provide me with an updated and corrected copy of my credit report once all unauthorized inquiries have been removed.

Verification Documents : Provide written documentation explaining the basis under which each inquiry was made, including certification of authorization or proof of any alleged consumer application.

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 2025-06-06 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: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
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 2025-06-06 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:
b'Despite multiple written requests, the unverified accounts listed\nbelow continue to report on my credit report in violation of\nfederal law. I sent a letter to the credit bureau but I never\nreceived a response from them. These accounts must be\nvalidated by Sections 609 (a) (1) (A) and 611 (a)\n(1) (A). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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 2025-06-06 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: CA

Complaint narrative:
b'Despite multiple written requests, the unverified accounts listed\nbelow continue to report on my credit report in violation of\nfederal law. I sent a letter to the credit bureau but I never\nreceived a response from them. These accounts must be\nvalidated by Sections 609 (a) (1) (A) and 611 (a)\n(1) (A). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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 2025-06-06 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 your company a letter disputing the account number XXXX with XXXX XXXX XXXXXXXX on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXX XXXXXXXX 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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated According to the FDCPA the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I booked a XXXX flight through Chase XXXX using my Chase Freedom Unlimited credit card. I deliberately chose a higher-priced fare ( {$620.00} ) on XX/XX/year>, because it included cancellation flexibility in case my travel plans changed. The flight was later canceled on XX/XX/year>. 

After canceling, I was issued a travel credit instead of a refund. However, the credit came with several unexpected and undisclosed restrictions : It must be used by the same passenger It must be used for the same origin and destination If the new ticket costs more, I must pay the price difference These conditions were not clearly communicated at the time of booking. The entire reason I paid a higher fare was to ensure flexibility, which these restrictions negate. I contacted Chase customer service and requested : A written explanation of the refund denial A copy of the policy or terms that justify restricting the credit A call transcript or written confirmation of the decision All of these requests were refused. The representative, supervisor, consultor all insisted this was " company policy '' but could not provide any written documentation to support that. 

I feel I was misled, and that Chase XXXX handling of this matter has been opaque and unfair. I am requesting either a full refund or a travel credit without these restrictive conditions, and I would like the company to provide written terms that justify their policy.

Company response to consumer: Closed with non-monetary relief