vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX XXXXe ) 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 explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
I am filing this complaint due to repeated failures by the credit reporting agency to properly investigate and verify disputed accounts on my credit file. Despite submitting multiple disputes, including my most recent on XX/XX/XXXX, the accounts listed below remain inaccurately reported, with no supporting documentation or proper method of verification provided. 

This complaint represents my final attempt to resolve these inaccuracies prior to escalation through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Alabama Attorney Generals Office. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to Comply with the FCRA Although the credit reporting agency has claimed these accounts were verified, they have not provided the following, as required by 15 U.S.C. 1681i ( a ) ( 7 ) : A detailed method of verification The name and contact information of each data furnisher Documentation relied upon to verify the disputed information This constitutes a clear violation of : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and good-faith reinvestigation Demands I am requesting that the credit reporting agency : Conduct a full reinvestigation of the listed accounts Provide written verification methods, including the procedures followed and all documentation used Delete any unverifiable or inaccurate items Issue a new and corrected copy of my credit report reflecting the updates Deadline for Resolution This matter must be fully resolved by XX/XX/XXXX. If not, I will proceed with formal complaints to the CFPB, FTC, and the Alabama Attorney Generals Office, and may pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) for failure to comply with federal law. 

This is your final opportunity to resolve this dispute before escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and unverifiable information on my credit report, despite multiple disputes. 

XXXX XXXX XXXX I formally requested the Method of Verification ( MOV ) for this account. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian was required to respond with details of how and from whom they verified the account. They failed to respond within the required time frame, and the account remains on my report without proper verification. 

Chapter XXXX Bankruptcy Case Number : XXXX This is falsely reported as being furnished by the U.S. Bankruptcy Court. I have a notarized statement from the XXXX XXXX XXXX confirming that the court does not report to credit bureaus. XXXX the court as the furnisher is misleading and constitutes a violation of 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ). This item is unverifiable and must be deleted. 

XXXX This account is also reporting inaccurate information. Experian failed to correct or properly verify it after my prior written dispute. 

Experian has failed to ensure maximum possible accuracy and has not fulfilled its obligations under the FCRA. I am requesting the permanent deletion of these inaccurate and unverifiable accounts 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 explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-05-29 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: TX

Complaint narrative:
I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am writing to dispute inaccurate and inconsistent late payment reporting on my Equifax credit file concerning my XXXX XXXX XXXX  account. Your report lists this account as XXXX days late for XX/XX/XXXX and XXXX  days late for XX/XX/XXXX. However, both Experian and XXXX  show the same account as only XXXX  days late for XX/XX/XXXX and XXXX  days late for XX/XX/XXXX. This discrepancy demonstrates that the reported information can not be verified across bureaus and is therefore unreliable. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681i and 1681s-2, credit reporting agencies must ensure the accuracy of all reported data and delete any information that is incomplete or unverifiable. As such, I am requesting that all late payment entries associated with this account be permanently removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

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. 

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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-05-29 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: TX

Complaint narrative:
I recently checked my credit report and found that I have several hard inquiries on my credit report that I did not authorize my permission to run my credit for the companies listed on my 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 2025-05-29 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: TX

Complaint narrative:
I recently checked my credit report and found that I have several hard inquiries on my credit report that I did not authorize my permission to run my credit for the companies listed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I reached out to Chase Bank regarding their cookie/privacy settings on the chase travel portal. Currently any travel search history ( e.g. if I searched a flight from XXXX  city to XXXX XXXX on XXXX date ) is saved in the travel portal cookies. It doesn't matter if I access chase through a phone vs browser, or XXXXXXXX XXXX XXXXXXXX. It keeps the search history within the Chase login. 

The issue is that, by keeping the search history, the travel portal shows inflated prices for the same travel itinerary after the initial search. For example, I searched a round trip flight from XXXX, CO to XXXX, MT on XXXX XXXX and it was originally {$360.00} round trip. A couple of hours later, the cost was {$400.00} for the same flights- but the cost differerence was only through the chase travel portal. The cost stayed the same when I searched through XXXX flights. 

In order to ensure there is no increased pricing based on recent search history, Chase needs to make the option available on their travel portal search history to not save recent searches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: OK

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies in my credit file that are damaging my financial standing and rights as a consumer. These include two unverifiable collection accounts reported by XXXX XXXX and numerous addresses on my credit report that are entirely unfamiliar to me. Despite prior disputes and reinvestigation requests submitted to the credit bureaus, the accounts and incorrect addresses remain, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Collection Accounts : XXXX XXXX Account # XXXX Reported with a high balance of {$430.00} and an open date of XX/XX/year>. I do not recognize this debt and have received no documentation or original creditor validation. The reporting of this collection without verification violates FCRA 611 and 623. 

XXXX XXXX Account # XXXX Reported as a separate collection for {$660.00}, opened on XX/XX/year>. This tradeline also lacks validation and appears without a legitimate basis. Its continued reporting despite my disputes constitutes willful or negligent noncompliance with the FCRA. 

Disputed Personal Information Incorrect Addresses : The following addresses are not and have never been associated with me. Their inclusion may result from file merging errors or identity inaccuracies and violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy : XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX, XXXX, AZ XXXX These addresses raise the possibility of identity confusion and compromise the accuracy of my file, causing harm in credit evaluations and other verifications.

Impact and Requested Action : As a result of these inaccuracies, I have faced credit denials, higher interest rates, and emotional distress. I am requesting the CFPB assist in compelling the credit reporting agencies to : Remove or correct the disputed XXXX Funding accounts if they can not be fully validated Delete all incorrect addresses not verifiably linked to my identity Provide written confirmation of all corrections made If unresolved, I intend to escalate this further and pursue legal action under FCRA 1681n and 1681o for statutory damages.

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 2025-05-29 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: OK

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies in my credit file that are damaging my financial standing and rights as a consumer. These include two unverifiable collection accounts reported by XXXX XXXX and numerous addresses on my credit report that are entirely unfamiliar to me. Despite prior disputes and reinvestigation requests submitted to the credit bureaus, the accounts and incorrect addresses remain, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Collection Accounts : XXXX XXXX Account # XXXX Reported with a high balance of {$430.00} and an open date of XX/XX/year>. I do not recognize this debt and have received no documentation or original creditor validation. The reporting of this collection without verification violates FCRA 611 and 623. 

XXXX XXXX Account # XXXX Reported as a separate collection for {$660.00}, opened on XX/XX/year>. This tradeline also lacks validation and appears without a legitimate basis. Its continued reporting despite my disputes constitutes willful or negligent noncompliance with the FCRA. 

Disputed Personal Information Incorrect Addresses : The following addresses are not and have never been associated with me. Their inclusion may result from file merging errors or identity inaccuracies and violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy : XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX, XXXX, AZ XXXX These addresses raise the possibility of identity confusion and compromise the accuracy of my file, causing harm in credit evaluations and other verifications.

Impact and Requested Action : As a result of these inaccuracies, I have faced credit denials, higher interest rates, and emotional distress. I am requesting the CFPB assist in compelling the credit reporting agencies to : Remove or correct the disputed XXXX Funding accounts if they can not be fully validated Delete all incorrect addresses not verifiably linked to my identity Provide written confirmation of all corrections made If unresolved, I intend to escalate this further and pursue legal action under FCRA 1681n and 1681o for statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: CO

Complaint narrative:
Took out a loan on XXXX XXXX website. Made regular payments on time. Made final payment to satisfy the remaining balance to pay off the loan. Payment was processed reflecting in my bank statement. Received email stating final payment date of XX/XX/year> for the amount of {$8600.00}. Loan was paid off. No further contact other than the " Congratulations! You submitted your final payment. '' Equifax report shows remaining balance of {$9100.00} but does not show final payment amount nor does it show any late payments. Made multiple calls, chats and emails to XXXX XXXX XXXX XXXX to remedy situation. All I was instructed to do is " wait, it takes up to 90 days for it to show up ''. It's way past that time frame. I filed a dispute with Equifax, they investigated, but they said what they found was accurately reported. THIS IS NOT TRUE! It is past 7 months and my credit report has not changed. It is still showing a remaining balance of {$9100.00} from XXXX XXXX XXXX XXXX Equifax report also shows the last date reported as XXXX XXXX, 2024 and the last date of activity as XX/XX/year>. But where it says " Date of First Delinquency '' it's blank. This has been adversely affecting my credit score for quite a few months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation