vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
Im writing out of deep frustration because there are multiple errors on my credit report that I can no longer ignore. Some of this information appears to be tied to fraudulent activityitems Ive never authorized or had any involvement with. This has severely impacted my credit and made it nearly impossible to move forward financially.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Im a single mother of XXXX and a XXXX XXXX. Ive worked hard to maintain my credit and submitted two written disputes to Experian, XXXX, and XXXX. First on XX/XX/XXXX, and again on XX/XX/XXXX, regarding an inaccurate XXXX late payment reported for XX/XX/XXXX on my XXXXXXXX XXXX XXXX XXXX card ( ending in XXXX ). 

All three credit bureaus are reporting that I was 30 days late in XX/XX/XXXX, but this is factually incorrect. A {$35.00} payment was made on XX/XX/XXXX, which is shown directly in the credit report itself. 

XXXX XXXX XXXX guidelines, a XXXX late mark should not be reported if any payment is made within 30 days of the due date. Reporting a XXXX delinquency when a payment was made during the same month is both misleading and unlawful. 

Despite sending both disputes along with supporting documents, I have not received any documentation from XXXX showing that I was actually XXXX days past due. The bureaus simply say the account was verified as accurate, with no investigation explanation or evidence in violation of the Fair Credit Reporting Act. 
Violations : FCRA 1681e ( b ) failure to report with maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) failure to reasonably investigate my dispute FCRA 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable or inaccurate info within 30 days FCRA 611 ( a ) ( 7 ) failure to describe the reinvestigation process upon request Metro 2 CRRG improper use of 30-day late coding despite payment This false late payment is now harming my credit, limiting my ability to access better financial options, and creating additional stress as a working parent.

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 2025-04-08 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: NY

Complaint narrative:
I'm reaching out to you for help with my stolen identity. Could you please delete the specific item and make sure all other incorrect details are updated as soon as possible? Your prompt action would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regions Bank auto closed my all my accounts because they did not have a copy of the back side of my driver 's license. The branch employee that I was working with had taken photos of my driver 's license but had failed to process them.

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 2025-04-08 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX  XXXX # XXXX XX/XX/XXXX - {$XXXX} UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Bank/Credit Card falsely reported a 30 day late payment on my account. Would like to have this removed 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-04-08 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX Social security number XXXX Date of birth : XX/XX/year> Chexsystems  Consumer Id XXXX Contents of complaint : This CFPB complaint has been filed to request per to FCRA 605 B ( 15 U.S.C. & 1681-2 ) that you, the Chexsytems Concumer reporting Agency, block information appearing on my sonsumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fradulent, inaccurate, and false information of a check between XXXX XXXX XXXX with no charge off amount. I have attached a consumer report by you which shows the fraudulent account have no recognition of. I have attached a copy of a photo id and XXXX. I have attached a FTC complaint and proof of a police report ( 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 2025-04-08 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: NY

Complaint narrative:
I'm directly affected by the Equifax data breach resulting in these unauthorized accounts! 

XXXX XXXX - XXXX XXXX/ XXXX  - XXXX XXXX/XXXX  XXXXXXXX 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 2025-04-08 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'm directly affected by the Equifax data breach resulting in these unauthorized accounts! 

XXXX XXXX - XXXX XXXX/ XXXX  - XXXX XXXX/XXXX  XXXXXXXX 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX reported an auto loan account on my TransUnion credit report with the status Profit and Loss Write-Off. However, I have made XXXX  % of payments on time over the entire life of the loan. There are no missed payments, no delinquencies, and no default. 
This charge-off status is false, harmful, and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) ( accuracy requirements ), 1681i ( failure to investigate ), and 1681s-2 ( data furnisher responsibilities ).

I initially disputed the account as not mine due to confusion about the false status. Upon review, it is clear the issue is the inaccurate charge-off labeling. 

I requested an investigation through XXXX XXXX XXXX but the inaccurate status remains with no valid explanation. My XXXX XXXX dropped by XXXX points due to this, which has directly impacted my ability to access credit and housing. 

I am requesting immediate removal of the Profit and Loss Write-Off remark and correction of this account to reflect its true status : XXXX  % on-time payments, no delinquency. 

I have attached a screenshot from XXXX XXXX showing my payment history and the false remark.

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 2025-04-08 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

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!

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 2025-04-08 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made XXXX large purchase at XXXX- for a total of {$1400.00}. 

XXXX has a pay-over-time option - 12 month equal-pay where you pay an equal amount each month - and XXXX interest if you make each monthly payment on time. 

XXXX broke up my one order into 3 individual orders ( not sure why, but it's there buisness ). 
XXXX - XXXX - on the 12 month plan. 
XXXX - XXXX - NOT ON THE 12 MONTH PAYMENT PLAN. 
XXXX - XXXX - on the 12 month plan. 

This was all one purchase for me, with one payment method so there is no reason XXXX should be on a payment plan, while the XXXX is not. 

I contacted XXXX and they confirmed that order XXXX should also be on the same 12 month payment plan. Email from there customer service is attached. 

I provided this to Chase. I messaged them through their secure message center on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received the same answers from each request ( these did not address the issue at all ). 

XXXX. Monthly payment plans from XXXX must be selected at the time of purchase and I can not add a payment plan to an already completed order. This ignores my issue completely - I did select the 12 month payment plan it was simply applied incorrectly to only part of my order. 

XXXX. Chase has their own " pay in 4 '' option where large purchases can be broken up into 4 payments over time. This was brought up multiple times. - This is not related to my issue in anyway. I did not select this or want this. To ignore my issue and repeatedly bring this up was frustrating as clearly Chase was not working to resolve the issue, or even understanding what the issue was when I clearly outlined it multiple times. 

I did receive a letter from Chase to my XX/XX/XXXX message indicating again Chase pay over time was not selected and that they considered the issue done. At no time in 5 messages, and multiple phone calls, has Chase ever acknowledged the actual issue. 

My Brother-in-law unexpectedly passed away in XXXX so I did not have time to deal with this issue again until now ( XX/XX/XXXX ). 

I have always paid my monthly charges to avoid any interest charges on this card. I have years of this payment history. Since Chase billed me {$1200.00} due immediately, I've had to change my monthly payment as I can not afford to pay off this amount in a single month ( hence why I selected the 12 month intrest free payment option ). I am now being charged interest monthly. 

I submitted another secure message to Chase today, again outlining the issue. I am confident from my past interactions they will not work to resolve the issue, even when provided all of the documents and a email from XXXX confirming the billing issue. At this point I need assistance to move this forward as it is a straight forward issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 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: IN

Complaint narrative:
There is one revolving accounts do not belong to me. 
XXXXXXXX XXXX  account number XXXX There is one collection does not belong to me. 
Collection agency : XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX A Date Assigned : XX/XX/2019 Original Amount Owed : {$4900.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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.

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my credit report XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with non-monetary relief