vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am formally disputing the presence of unsubstantiated claims and inaccurate information in my credit report.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the XXXX XXXX Data Reporting Standards, I challenge the reportability of any item that lacks factual, verifiable evidence. If you can not prove the accuracy, completeness, timeliness, and permissible purpose of an account or inquiry, you have no legal basis to continue reporting it. 

I request immediate deletion of the following : Accounts being challenged : 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 XXXXXXXX You have willfully reported unverifiable and inconsistent data. To retain your conditional privilege to report consumer data, you must meet the minimum standards of XXXX XXXX compliance as required by the CDIAs Credit Reporting Resource Guide ( CRRG ). The CRRG clearly states that any deviation from these standards jeopardizes the integrity of the data.

Additionally, I dispute the following personal information as inaccurate and unverifiable : Employer Name : XXXX XXXX This personal information is not consistent across all three bureaus and was reported without proper reinvestigation, in violation of 15 U.S.C. 1681i ( a ). Your failure to ensure accuracy also violates 15 U.S.C. 1681e ( b ).

This file has been affected by the Equifax data breach, and I have reason to believe your continued reporting contains data errors stemming from compromised sources. If you can not validate this data under the standards required by law, you must DELETE it. 

Provide all physical documentation verifying the existence, accuracy, and permissible use of these entries. If you are unable to do so, DELETE them immediately and send confirmation along with an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-13 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:
This inquiry is inconsistent with any of my recent credit or service applications. I did not take any action that would justify a credit check. I am requesting prompt removal of this incorrect entry.

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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M and T bank has been fraudulently charging me for my taxes and insurance and applying funds co mingling my escrow and my principal payments. They have put me in default. They have ignored me, They have ignored my mortgage broker helping me. that have taken months to get back to me, not sending information I requested. All of this is documented. I want this resolved. I have never been late, have never missed a payment and every single year they are telling me my escrow is short thousands blaming my taxes and insurance but iw went to the town and county and have all of the documentation. I pay my bills and have been paying everything they have ever sent me and my mortgage number keeps in creasing even though I keep paying these shortages. not dude to taxes or insurance.

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 2025-06-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been the victim of a XXXX XXXX XXXX XXXX The casino in question XXXX XXXX XXXX operated by XXXX XXXX XXXX sold " XXXX XXXXs '' packages to me on XX/XX/year>. These useless gold coins were sold in conjunction of sweep coins that have a monetary value. I had more than XXXX sweep coins in my account when XX/XX/XXXX they shut down there services restricting access to everything. 

Now I opened a dispute with Wells Fargo provided evidence and they never truly answered my document or provide sufficient reason. All the merchant provided was that I made the purchase which I am not disputing. 

I feel that the executives at Wells Fargo don't actually want to honor the chargebacks as it will cost them money and instead they would side with the merchant that does not operate at the moment and stole money from me. 

Best,

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 2025-06-13 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: WI

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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE THESE FRAUD ACCOUNTS ON MY FILE AND I FILE AND FTC REPORT AND A POLICE 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-06-14 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: OR

Complaint narrative:
Hi, I am contacting you to correct the inaccurate personal information listed on my credit report. These errors are making it difficult for me to get approved for credit, which has been incredibly frustrating.

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 2025-06-13 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-13 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: OH

Complaint narrative:
Disputed a collection via transunion on XX/XX/year>2025 and was notified on XX/XX/year>2025 with the following message Unfortunately we did not receive dispute results for this account. Not sure how this is acceptable.

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 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
I started this loan on or before XX/XX/XXXX with a loan company called " Regional Finance '' for XXXX {$2600.00}. I am to repay this loan with {$130.00} for 30 months starting my first installment payment on XX/XX/XXXX. And I always pay on time on or before XX/XX/XXXX of each and every month since XX/XX/XXXX. And I never skip a payment for entire XXXX  months. 

On XX/XX/XXXX, I wanted to pay off the pay-off amount of {$1000.00} which is specified on its APP. that is total pay-off amount. And paid the amount of XXXX {$1000.00} but the loan company doesn't want to close my account. I called them at once after I found out from the APP. that I still own them XXXX. And on the phone they told me the customers could never pay off on-line through the APP. The customers have to call them in person to close off the loan but they never close the accounts off. And the told me the new loan I own them which is XXXX {$110.00} and I only allow to pay {$9.00} each and every month indefinitely. I still can not pay off the loan. 
Because they don't allow the customers to close down the accounts on-line

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a credit car pre-qualification through XXXX on XX/XX/year> and it states clearly that it is not a credit application as well as stating this will not effect my credit score. 

I was doing this as I have been rebuilding my credit and wanted to see where I was in terms of status and if I would be pre-authorized for a card. I have done this in the past and it results in a soft credit pull which does not effect my score. JPMCB went ahead and did a hard inquiry on my account and denied me a card. Im fine with the denial but my issue is that I did not authorize them to submit a hard credit inquiry and now I have that on my account for the next 25 months when it clearly says that this is not a credit application. I would have never gone through the process if it wasnt listed as a soft credit check for pre-qualification. I took a screen shot of the application I filled out which clearly states that it isnt a credit application. 

I called JPMCB and they told me that their was nothing I could do and that If I wanted a resolution I needed to call XXXX When I called XXXX they told me that JPMCB is the only person who can help or I need to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I am a victim of identity theft as a result of the recent Equifax data breach, which compromised my personal identifying information. On or around XX/XX/year>, I discovered a fraudulent account reported by XXXX XXXX XXXX  ( XXXX ) with a balance of {$1400.00}. I did not authorize, open, or benefit from this account in any way. It is being reported to Experian and TransUnion, with derogatory status damaging my credit. 

On XX/XX/XXXX, I submitted a formal dispute and identity theft block request under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to the credit bureaus. My submission included : A signed written statement A copy of my FTC Identity Theft Report ( # XXXX ) Government-issued ID Proof of address Under federal law, the credit bureaus must block this fraudulent information within 4 business days of receiving all required documentation and provide written confirmation. To date, no action has been taken, and the derogatory account remains 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 2025-06-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation