vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the credit reporting agencies and certain furnishers have engaged in systemic, unlawful conduct concerning my credit file. Specifically, the bureaus have reinserted previously deleted items without providing the statutorily required notices and certifications under 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) ( iii ), and have failed to conduct proper reinvestigations under 1681i ( a ).

The reinserted and currently reported items are materially inaccurate, improperly validated, or unverified. Reinsertion occurred without the required written notice to me within five business days and without certification from the furnisher that the information is complete and accurate. This is a direct statutory violation and is causing immediate and ongoing harm to my creditworthiness and financial opportunities. 

all were deleted previously and were later reinserted without complying with 1681i ( 5 ) ( B ) requirements : XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Charged off ; inaccurate balance reporting and lack of full validation. 
XXXX XXXX XXXX ( XXXX XXXX ) Acct # : XXXX XXXX XXXX XXXX XXXX Issue : Closed and charged off ; dispute the accuracy of balance and charge-off status. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Account closed and charged off following inactivity ; request reinvestigation. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Charged off ; debt reported as transferred without clear documentation. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Issue : Possible duplicate account with conflicting charge-off details ; verify and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX Issue : Collection account not properly validated under FDCPA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX  Issue : Duplicate or unverified collection entry ; request removal based on lack of documentation. 
XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged-off original account appearing duplicated in collection reports ; verify accuracy. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged off with unresolved dispute ; full validation requested. 
XXXX ( XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Closed by creditor with derogatory status ; reporting may be incomplete or outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not authorize or participate in any of the fraudulent activities that have been conducted in my name, and I am requesting that this matter be investigated and that all fraudulent accounts, transactions, and inquiries the following accounts XXXX XXXX XXXX XXXX  balance {$1200.00} account number XXXX. XXXX XXXX balance {$4500.00} account number XXXX XXXX XXXX XXXX balance {$450.00} account number XXXX XXXX  XXXX balance {$420.00} account number XXXX XXXX XXXX XXXX XXXX balance {$400.00} account number XXXX XXXX  XXXX  balance {$780.00} account number XXXX XXXX  balance {$910.00} account number XXXX XXXX XXXX balance {$890.00} account number XXXX XXXX  balance {$530.00} account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not authorize or participate in any of the fraudulent activities that have been conducted in my name, and I am requesting that this matter be investigated and that all fraudulent accounts, transactions, and inquiries the following accounts XXXX XXXX XXXX XXXX  balance {$1200.00} account number XXXX. XXXX XXXX balance {$4500.00} account number XXXX XXXX XXXX XXXX balance {$450.00} account number XXXX XXXX  XXXX balance {$420.00} account number XXXX XXXX XXXX XXXX XXXX balance {$400.00} account number XXXX XXXX  XXXX  balance {$780.00} account number XXXX XXXX  balance {$910.00} account number XXXX XXXX XXXX balance {$890.00} account number XXXX XXXX  balance {$530.00} account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to 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 explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
When I went to review my credit profile there were some inquiries that were not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: FL

Complaint narrative:
I canceled my auto insurance policy with XXXX on XX/XX/year>, which had an umbrella policy attached. After cancellation, I was informed by my insurance agent that XXXX owed me a {$95.00} refund. Instead of refunding the money, XXXX began sending me bills in error and eventually referred the account to a collections attorney. 

On XX/XX/year>, I received a collection notice. I disputed the alleged debt in writing and sent certified letters to both XXXX and the collections attorney, with proof of delivery. In my letters I explained that the debt was not valid because XXXX owed me money, not the other way around. 

XXXX did issue a {$95.00} refund check in XXXX XXXX, but I have received no explanation, no written acknowledgment of the error, and no confirmation that the collections matter has been withdrawn or that my credit report has not been harmed. 

This wrongful collections action has already caused me direct out-of-pocket expenses ( certified mail ) and forced me to close my small business office for half a day to prepare and send the disputes. The lack of communication from XXXX or the collections attorney leaves me exposed to potential credit damage and ongoing uncertainty. 

I am requesting immediate correction : written confirmation that the collections account has been closed, proof that no negative credit reporting has occurred ( or that any report has been removed ), and an explanation of why this error occurred to ensure it does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made purchase from a company for vehicle parts I made multiple payments but once I paid and they approved all payments they sent me an email claiming part was stolen and that I have made an illegal purchase even though I knew nothing about anything stolen I believed it was legit and I advised I did not want part to please refund me and they have refused they have now fined me XXXX for something I knew nothing about they say I can be arrested but still won't refund me the XXXX I spent on part and fees the business contacted me claiming that I have to pay in order to get my refund they have claimed authorities are involved and I can be arrested for something I knew nothing of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NE

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: AZ

Complaint narrative:
XXXX sold my debt to a XXXX party collector who has been continuously harassing me and my family including my parents and siblings. I am XXXX XXXX XXXX and not under and guardianship with my family. I live states away from them and every day they advise me they receive calls from this collector to discuss my debt. This has become harassment as I have asked them on multiple occasions over the phone to stop contacting my relatives and the calls continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 did not authorize or provide any consent for these companies to access my credit report, and I believe that these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the result of identity theft or fraudulent activity and are incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NM

Complaint narrative:
I am in no way connected to the identified creditors and did not authorize this inquiry. I demand its immediate deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 have reviewed my credit report and found these unverified items. Please remove or block these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AK

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AK

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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