vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX  fraudently charged me for insurance time after I cancelled my policy XX/XX/XXXX I transferred to XXXX XXXX XXXX XXXX, I spoke with a rep and he told me that the reason it was charged was because I did not give them a 30 day cancellation notice he could not provide me any document that states that fact for XXXX  also no way that I would owe them when I cancelled and went to different insurance provider. XXXX  representatives have lied over and over trying to trick me into paying money that I dont owe there is nothing that they can provide documents for they wont even give me a copy of cancellation from XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-30 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:
I am contacting you in reference to a collection account that I believe is being reported in error. I never received any written notice or communication from the original creditor or collection agency regarding this debt prior to its placement on 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 non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NV XXXX RE : Account Reporting Dispute Account : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Dear Kikoff Lending LLC, I am writing to dispute inaccurate information you are reporting to credit bureaus regarding the above-referenced account. 

DISPUTED INFORMATION : Issue : Your account shows contradictory status information : Account status : " OVER_120_DAYS_PAST_DUE '' Comments indicate : " Charge off account '' This creates confusion and inaccurate credit reporting CORRECTION REQUESTED : Please update your records and credit bureau reporting to reflect the accurate account status.

Under FCRA 623 ( a ) ( 1 ) ( A ), you have a duty to report accurate information.

LEGAL REQUIREMENTS : FCRA 623 ( a ) ( 1 ) requires furnishers to provide accurate information FCRA 623 ( b ) requires investigation of disputed information Inaccurate reporting may subject your company to liability under FCRA 616 Please investigate this matter and correct your credit bureau reporting within 30 days. Provide written confirmation of any corrections made. 

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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint against Chase for refusing to investigate a disputed credit card charge under the Fair Credit Billing Act ( FCBA ). While traveling in XXXX, I agreed to purchase two drinks for approximately {$4.00} USD ( XXXX BRL ). Instead, the merchant fraudulently charged my card for {$450.00} USD. I did not authorize this amount. 
The vendor ran off without providing a receipt. I immediately locked my card and requested a replacement. I contacted Chase multiple times to file a dispute under services not rendered or goods misrepresented. Chase refused to investigate the charge, repeatedly claiming they could not proceed without a receipt, despite the FCBA not requiring a receipt to dispute a billing error of this nature. 
I am requesting that Chase be required to accept and investigate my dispute as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-30 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: MD

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 Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to dispute an inaccurate late payment being reported on my credit files by TransUnion and XXXX  for the following account : XXXX XXXX, account ending in XXXX, with a reported delinquency dated XX/XX/year>. The account is listed as closed, marked pays account as agreed, and shows a XXXX balance yet it is still being reported with a derogatory late payment. 

This is a contradiction and a violation of accurate credit reporting standards. If the account was paid, closed, and noted as paid as agreed, there is no valid basis for the reporting of a late payment especially in the absence of any verifiable billing documentation or creditor evidence confirming the date and legitimacy of the alleged delinquency. 

As someone who carefully maintains their credit profile and monitors all entries for accuracy, this kind of misleading reporting is unacceptable. It creates an inaccurate and unfair reflection of my credit history and undermines the efforts Ive taken to resolve and maintain accounts responsibly. I have not been provided with any documentation substantiating this late payment from either TransUnion, XXXX, or the original creditor, and thus this entry remains unverified and legally disputable. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), both credit bureaus are required to ensure all information on my report is maintained with maximum possible accuracy. Additionally, under 15 U.S.C. 1681i, I have the right to dispute and request deletion of any item that can not be verified or supported with sufficient evidence which is the case here.

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 2025-06-30 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: NC

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-06-30 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: AL

Complaint narrative:
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 grant 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 non-monetary relief
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I am a victim of identity theft. There are several fraudulent accounts on my 3 credit reporting bureaus. Ive never gave anyone permission or authorization to open these accounts. Inquiries are XXXXXXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered something extremely alarming someone has been using my name to open fraudulent accounts and credit inquiries without my knowledge. These fraudulent accounts and credit inquiries were absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. Im urgently asking that these credit inquiries be BLOCKED and REMOVED from my credit file immediately. They are clearly fraudulent and have absolutely no connection to me. I did not authorize them in any way, and discovering them has been incredibly distressing. 
Below are the fraudulent accounts and credit inquiries that appear to have been fraudulently made in my name : XXXX OF XXXX, Credit Card - opened in XXXX, XXXX XXXX BANK XXXX XXXX Credit Card , opened in XXXX, XXXX XXXX, Credit Card - opened in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Loan - opened in XXXX, XXXX XXXX XXXXXXXX XXXX Loan - opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Lease - opened in XXXX, XXXX, XXXX - opened in XXXX, XXXXXXXX XXXX  - opened in XXXX, XXXX, XXXX - opened in XXXX, XXXXXXXX XXXX - opened in XXXX. 
XXXX XXXX XXXX, inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquiried on XX/XX/XXXX, XXXX BANK inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX, inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX XXXX  inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXXnquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX XXXXXXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried XXXX 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 2025-06-30 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered something extremely alarming someone has been using my name to open fraudulent accounts and credit inquiries without my knowledge. These fraudulent accounts and credit inquiries were absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. Im urgently asking that these credit inquiries be BLOCKED and REMOVED from my credit file immediately. They are clearly fraudulent and have absolutely no connection to me. I did not authorize them in any way, and discovering them has been incredibly distressing. 
Below are the fraudulent accounts and credit inquiries that appear to have been fraudulently made in my name : XXXX OF XXXX, Credit Card - opened in XXXX, XXXX XXXX BANK XXXX XXXX Credit Card , opened in XXXX, XXXX XXXX, Credit Card - opened in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Loan - opened in XXXX, XXXX XXXX XXXXXXXX XXXX Loan - opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Lease - opened in XXXX, XXXX, XXXX - opened in XXXX, XXXXXXXX XXXX  - opened in XXXX, XXXX, XXXX - opened in XXXX, XXXXXXXX XXXX - opened in XXXX. 
XXXX XXXX XXXX, inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquiried on XX/XX/XXXX, XXXX BANK inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX, inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX XXXX  inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXXnquiried on XX/XX/XXXX, XXXX inquiried on XX/XX/XXXX, XXXX XXXXXXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/XXXX, XXXX XXXX XXXX inquiried on XX/XX/XXXX, XXXX inquiried XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation