vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: IN

Complaint narrative:
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report along with the required proof of identity, consumer reporting agencies are legally required to block the reporting of the disputed accounts within four ( 4 ) business days. This statutory obligation is mandatory, not discretionary, and does not permit delay, reinvestigation, or continued reporting.

The continued reporting of these accounts after receipt of proper documentation constitutes a direct and willful violation of federal law. Any failure to block the accounts as required by 15 U.S.C. 1681c-2 ( a ) ( 1 ) exposes the consumer reporting agencies to civil liability, including but not limited to actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

Furthermore, any reinserted or re-reported information without the strict certification required under 15 U.S.C. 1681c-2 ( a ) ( 5 ) is unlawful and prohibited. No certification that these accounts are accurate and not the result of identity theft has been provided.

The continued publication of these accounts after statutory notice has been given is reckless, unlawful, and constitutes noncompliance with the Fair Credit Reporting Act. Immediate corrective action is required to bring the consumer reporting agencies into compliance with federal law.

Account List 1. XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Bureaus Reporting : TransUnion, Experian 2. XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Bureaus Reporting : TransUnion, Equifax 3. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Bureaus Reporting : TransUnion, Equifax 4. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Bureaus Reporting : TransUnion, Experian 5. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Bureaus Reporting : TransUnion, Experian, Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reviewed my Transunion credit report. The report included numerous Incorrect and/or Outdated Personal Information.

That same day I typed up a letter to TransUnion, please see attached file named " Transunion inaccurate personal info letter. '' Within that letter I provided screenshots from the report that showed all incorrect and or outdated information they were reporting. In addition to showing them evidence of their incorrect reporting I also include my bank statement, ID, social security card and lease agreement proving the report was inaccurate. In doing so I also provide them with my updated and current information. 

On XX/XX/XXXX I sent my request to Transunion via USPS certified mail. Please see attached file named " USPS certified mail ''. 
Today XX/XX/XXXX I received correspondence from Transunion ( see file name " non acknowledgement '' ) that confirms absolutely no action has been taken by them to correct my report. Instead of Transunion deleting, updating or even acknowledging my request they simply provided me with a copy of my report, which I already have reflecting the same inaccuracies that I brought to their attention and requested them to take off nearly a month ago. Both XXXXXXXX XXXX XXXX permanently deleted all inaccuracies and promptly updated their reporting. Transunion is the only bureau that completely ignored my request and failed to comply as required by federal 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 non-monetary relief
Consumer complaint received 2025-12-21 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:
15 USC 1681 c-2 l am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items block and remove all items mentioned on FTC & XXXX  I want them deleted immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my credit file by Equifax, Experian, and TransUnion. XXXX XXXX Account XXXX, Balance Owed : {$490.00} shows late payments and balances that do not reflect my records. XXXX XXXX Account XXXX, Balance Owed : {$1700.00} shows incorrect late payments across multiple months that need verification. XXXX Account XXXX, Balance Owed : {$3300.00} displays inaccurate delinquencies that must be reviewed and updated. XXXX Account XXXX, Balance Owed : {$6700.00} shows reporting errors in my payment history. XXXX Account XXXX, Balance Owed : {$5000.00} reflects inaccurate balances and late payment data. XXXX Account XXXX, Balance Owed : {$9300.00} is reported incorrectly and requires verification. XXXX Account XXXX, Balance Owed : {$1600.00} shows inaccuracies in the payment schedule. XXXX Account XXXX, Balance Owed : {$3300.00} contains incorrect balance information. XXXX Account XXXX, Balance Owed : {$2500.00} shows inaccurate delinquencies that must be corrected. XXXX Account XXXX, Balance Owed : {$4500.00} is reported with errors. XXXX Account XXXX, Balance Owed : {$10000.00} shows incorrect reporting. XXXX Account XXXX, Balance Owed : {$3600.00} contains errors in reported balances. XXXX Account XXXX, Balance Owed : {$3800.00} is not reported correctly. XXXX Account XXXX, XXXX XXXX : {$12000.00} contains inaccuracies. XXXX Account XXXX, Balance Owed : {$19000.00} is reported incorrectly. XXXX Account XXXX, Balance Owed : {$24000.00} shows incorrect balances. XXXX Account XXXX, Balance Owed : {$4300.00} is missing from Equifax but reported to TransUnion and Experian. XXXX Account XXXX, Balance Owed : {$7600.00} shows incorrect reporting. XXXX Account XXXX, Balance Owed : {$10000.00} is inaccurate. XXXX Account XXXX, Balance Owed : {$13000.00} contains errors. XXXX Account XXXX, Balance Owed : {$1900.00} is not reported correctly. XXXX Account XXXX, Balance Owed : {$6300.00} shows inaccurate delinquencies. XXXX XXXX XXXX Account XXXX, Balance Owed : {$0.00} is reported with errors regarding its status and balances. These reporting errors violate FCRA 611 ( 15 U.S.C. 1681i ) Dispute Inaccurate Info with Credit Bureaus and FCRA 623 ( a ) ( 2 ) Duty to Correct and Update.

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 2025-12-22 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Golden Entropy Marketing Inc
State: TX

Complaint narrative:
I attempted to apply for a loan with XXXX XXXX XXXX. 
After providing my ss # and bank account information I tried calling the number on the site and it said it was a scam! 

They have my information! 

I did not sign the final documents for the loan but it's very concerning this place is allowed to do this online!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: NC

Complaint narrative:
My credit report contains inaccurate and unverifiable accounts and inquiries that were not properly investigated. I disputed these items, yet they were marked verified without documentation showing a reasonable reinvestigation occurred. Reporting inconsistencies exist across bureaus, including incorrect balances, payment histories, and accounts lacking permissible purpose. This failure to ensure accuracy violates the Fair Credit Reporting Act and continues to harm my credit profile and financial opportunities.

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 2025-12-22 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-22 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-12-22 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally file a complaint against JPMorgan Chase Bank for failing to honor the relief measures that were publicly communicated in connection with the recent U.S. government shutdown, which directly impacted me financially. Chase had stated that eligible customers affected by the government shutdown would receive relief, including the waiver or refund of any interest charges for the impacted billing periods. Despite being eligible and impacted, interest charges were applied to my account for two separate months. These charges should never have been assessed under the stated relief program. After contacting Chase to request correction and a refund of the improperly charged interest, I was informed that although the relief was mentioned, their system rejected the refund request. Chase representatives have now stated they are unable or unwilling to reverse these charges, effectively retracting the relief that was previously communicated. I find this concerning, as financial institutions should be held accountable for honouring relief programs they publicly announce especially during extraordinary circumstances such as a government shutdown. Applying interest in contradiction to stated relief and then refusing to refund it due to internal system limitations is unacceptable and financially harmful.

They also stated not just the interest will be reversed but the minimum payment due as well will be deferred for the impacted months however Chase charged me the entire minimum payment due for the impacted months and never even honoured to defer the minimum amounts.

I am requesting the CFPBs assistance in reviewing this matter and ensuring that Chase complies with its relief commitments and refunds the interest charges that were improperly applied. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, inconsistent, and unverifiable information that TransUnion LLC is reporting on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

TransUnion is reporting a collection account from XXXX XXXXXXXX XXXX XXXXXXXX with a reported balance of {$280.00}, first reported on XX/XX/year>. This account appears only on my TransUnion credit report and is not reported by XXXX XXXX XXXX which demonstrates a clear lack of consistency, accuracy, and reliability in TransUnions reporting. 
Under the FCRA, TransUnion is required to maintain reasonable procedures to assure maximum possible accuracy of the information it reports ( 15 U.S.C. 1681e ( b ) ). Additionally, if information can not be fully verified, it must be deleted or corrected promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

I have disputed this account directly with TransUnion. However, the continued reporting of this account without consistent verification across all consumer reporting agencies raises serious concerns regarding the legitimacy and accuracy of the data being furnished and maintained.

I am requesting that TransUnion : Conduct a lawful and thorough reinvestigation of this account, and Immediately delete the account if it can not be fully verified with competent evidence.

Failure to correct or delete unverifiable information constitutes a continued violation of the FCRA.

Thank you for your assistance in ensuring compliance with federal consumer protection laws.

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 2025-12-22 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: GA

Complaint narrative:
I just want to Follow up this complaint to formally report ongoing inaccurate credit reporting and unauthorized inquiry activity being maintained and published by TransUnion and Experian despite my rights under the Fair Credit Reporting Act, as my consumer file currently contains multiple false and conflicting addresses that do not belong to me, including on TransUnion the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX none of which reflect my true or past residence, and these inconsistencies clearly indicate mixed, contaminated, or improperly verified data in my credit profile, and in addition to the false address reporting both bureaus are also listing hard inquiries that I never authorized and that appear to lack permissible purpose under FCRA 604 ( a ) and may violate FCRA XXXX ( a ) reporting limits, including on TransUnion an XXXX XXXX inquiry dated XX/XX/year> and XXXX XXXX DOD inquiry dated XX/XX/year>, and on Experian an XXXX XXXX inquiry dated XX/XX/year> and XXXX XXXX XXXX inquiry dated XX/XX/year>, all of which I did not initiate, consent to, or apply for, and the continued reporting of these inaccurate personal identifiers and unauthorized credit pulls has caused measurable financial harm, reputational damage, and emotional distress, and demonstrates a failure by the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy as required by federal 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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing an outstanding balance of {$1200.00} on my Citi XXXX credit card related to medical financing charges from XXXX XXXX XXXX ( XXXX ) for Invisalign treatment. 

The original financing agreement with XXXX was for {$4500.00}. The merchant continued charging beyond the agreed term and total amount. When the overbilling became clear, I reversed XXXX charges through Citi. 

In XXXX, I closed my Citi XXXX credit card and paid the account in full, with a XXXX balance at the time of closure. After the account was closed and fully paid, Citi subsequently re-posted XXXX additional monthly charges from XXXX XXXX XXXX. 

I immediately provided Citi with proof that I had already paid the legitimate remaining balance directly to the merchant, along with a detailed reconciliation of charges demonstrating that the total amount billed exceeded the agreed {$4500.00}. 

Despite this documentation, Citi closed multiple billing dispute cases ( including XXXX, XXXX, XXXX, and XXXX ) and instructed me to resolve the matter directly with the merchant. The merchant, however, claims it has not been paid twice but is unable to reconcile the inflated balance, which appears to be driven largely by improper interest and fees. 

Since XXXX, Citi has failed to resolve the dispute and has continued to assess interest and report an outstanding balance on a closed account, despite the balance being actively disputed and substantively settled. These continued charges and reporting have caused ongoing financial harm and are negatively impacting my credit profile.

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 monetary relief
Consumer complaint received 2025-12-21 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: NC

Complaint narrative:
My credit report contains inaccurate and unverifiable accounts and inquiries that were not properly investigated. I disputed these items, yet they were marked verified without documentation showing a reasonable reinvestigation occurred. Reporting inconsistencies exist across bureaus, including incorrect balances, payment histories, and accounts lacking permissible purpose. This failure to ensure accuracy violates the Fair Credit Reporting Act and continues to harm my credit profile and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX. ) REPORTED BALANCE OF {$460.00}. I HAD NOT BEEN CONTACTED OF THIS DEBT. in accordance with the SERVICE MEMBER RELIEF ACT, fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX

Company response to consumer: Closed with non-monetary relief