vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
CFPB Complaint Statement XXXX XXXX Subject : Repeated Failure by All Three Major Credit Bureaus to Address Inaccurate Payment History Billing Error under 15 U.S.C. 1666 Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX I am filing this formal complaint against Experian, Equifax, and TransUnion for their collective failure to resolve multiple disputes I have submitted regarding inaccurate late payment notations on my credit reports. This is now my third and final attempt to have these errors corrected. 

Over 35 days have passed since my initial dispute was filed. I also submitted a second follow-up with no valid documentation or verification provided by the bureaus in response. To this day, none of the three credit reporting agencies has supplied any proof or investigative results to validate the disputed late payments. 

These accounts continue to reflect inaccurate negative reporting, and the issues fall within the legal definition of a billing error as outlined under 15 U.S.C. 1666 ( b ), due to : Failure by creditors to properly post or apply payments made on time Internal computation/accounting mistakes In some cases, the failure to provide billing statements at least 21 days before the payment due date, which renders any reported late payment invalid and unreportable This dispute is being filed personally by me, without the assistance of any third party. I am asserting my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), which mandate the accuracy and completeness of consumer credit information. 

Accounts with Disputed Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 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: KY

Complaint narrative:
> I disputed a collection account from XXXX XXXX XXXX with TransUnion using XXXX XXXX. The dispute was approved and resolved on XXXX XXXX XXXX in my favor. However, this account is still showing on my TransUnion credit report. 

I have screenshots showing the dispute was completed and approved. TransUnion is violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information after acknowledging the error. 

I am requesting immediate removal of this account from my credit file and confirmation in writing once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
Disputed Inquiry : XXXX XXXX XXXX  Law Issue : Unpermitted inquiries are a violation of my rights under FCRA Section 604. 
Story : I did not initiate any application with XXXX XXXX on this date. This inquiry was done without my knowledge or consent. 
Instruction : Please delete this entry and furnish proof that it was lawfully authorized. 
I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in the process of trying to purchase a home, and this inaccurate item on my credit report is negatively affecting my ability to do so. The account in question does not belong to me, and I have already contacted the company to dispute it. Despite my efforts, the item remains on my report. 

This is causing serious harm to my credit and interfering with an important financial transaction. I request that this item be investigated and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2025-07-30 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: IL

Complaint narrative:
I've recently reviewed my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
According to Fair Credit Reporting Act 15USC1681c-2, I would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number * XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$600.00}, a telecommunication cellular account opened at XXXX XXXX on XX/XX/XXXX under the account number * XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-30 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number * XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$600.00}, a telecommunication cellular account opened at XXXX XXXX on XX/XX/XXXX under the account number * XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was the victim of 2 fraudulent accounts opened in my former name and my accurate social security number. These 2 credit cards went to a debt buyer aka XXXX XXXX XXXX  XXXX states that I didnt reach out to the two companies, TXXXX XXXX XXXX XXXX XXXXXXXX XXXX I did reach out and they can not give me information because these debts were sold to XXXX. XXXX is Refusing to acknowledge my FTC fraud affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am filing a complaint on to JP morgan Chase i contacted them about my account and overdrafts I understand I have to pay for my overdrafts but ther was a law passed about the over draft and I confirmed it to 2 representatives they told me that they wasn't apart of that law they have they own laws hat they can charge me XXXX dollars on a XXXX dollar purchase and it's definitely not fair.i explain that the charges was changed to {$5.00} my account takes my check before I get it because I have consumers take out of my account but w g en the money is there they wait and hold it back and overdraft my account they are a fraud and I know that they are doing it my job send the check direct deposit they wait until I get enough over draft then put my check through it hapkensall the time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
XXXX XXXX {$3400.00} XXXX XXXX {$99.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
XXXX XXXX {$3400.00} XXXX XXXX {$99.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2025-07-30 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and 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 non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

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 2025-07-30 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:
I am filing a complaint to formally dispute certain items on my credit report that may have been obtained or shared without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

According to this section of the FCRA, a consumer reporting agency may not furnish a consumer report to any person unless it is for a purpose authorized by the FCRA. Furthermore, any person obtaining a report must have a certified permissible purpose. It has come to my attention that the following entities may have accessed or listed accounts on my credit file without my consent and without a valid legal basis : Disputed Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Acct # : XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX  XXXXXXXX XXXX XXXX  Balance Owed : {$88.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief