vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon applying for a home i notice on my credit report also on my wage transaction with the IRS I realize that XXXX XXXX XXXX  has filled a 1099c with the IRS for a debt under my social security number in the year of XXXX and XXXX XXXX XXXX  are illegally reporting as a collection, there is a past due balance and late payment history that was reaged. This account shows written off XXXX XXXX yet its last update is showing XX/XX/XXXX. I have contacted Experian on XX/XX/XXXX after allowing them 60 days within XXXX seperate disputes, XXXX was certified mail and the other XXXX were by phone my purpose was to resolve this inaccurate reporting and reinform Experian of these illegal acts proformed by XXXX XXXX XXXX Disputes was XXXX XXXX and XXXX XXXX i requested just to delete and remove permanently, I notified Experian that this company was doing tax fraud under the IRS law 4681 details if a company has filed 1099c it is unlawful to try and collect a debt or report monthly this violates the FCRA law 15Usc 1681 S-2 and 15USC 1681 EB. XXXX XXXX has been attempting to collect on a debt that has been written off by filing a 1099c through the IRS which is tax fraud, false reporting, and deceptive collection activities.I am requesting that this be removed and permanently deleted from my Experian immediately. Upon a proper investigation and identifying this with IRS you will find XXXXXXXX XXXX  has filed a 1099c which is reporting inaccurate information to my credit report and Experian is allowing this to be reported and remain on my report inaccurate. This is illegal please take the proper steps and remove and delete immediately.

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 2025-10-13 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: FL

Complaint narrative:
I recently pulled my credit report and noticed there are several missed payment report that are reporting inaccurately and without my knowledge. Please help me get these account removed immediately. I have reached out to the company via mail more than 50 days ago and no response.

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 2025-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled my credit report and noticed there are several missed payment report that are reporting inaccurately and without my knowledge. Please help me get these account removed immediately. I have reached out to the company via mail more than 50 days ago and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-10-13 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: IL

Complaint narrative:
XX/XX/scrub> XXXX XXXX XXXX XXXX I DID NOT ATHORIZE THIS INQUIRY ON MY REPORTS THIS IS FRAUD. I DID NOT GET NO ALERTS OR CALLS CONFIRMING THIS INQUIRY According to 15 US C 1692C you have violated my rights by in lawful communications. Please remove this collection off of my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
During a XXXX XXXX XXXX XXXX, I was offered a XXXX credit card that indicated it would reduce the amount of the plane ticket by {$200.00}. The ad was misleading ; it did not reduce the cost of the ticket, nor was that card available to use on that purchase. The card also comes with an undisclosed {$99.00} annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 2025-10-13 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account Creditor : XXXX XXXX XXXX XXXX 
Collection Agency : XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1000.00} Date Reported : XX/XX/XXXX This account appears to have been re-aged the Date of First Delinquency ( XX/XX/XXXX ) predates the Date Assigned ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ), which violates FCRA 623 ( a ) ( 5 ).

It is also reported as disputed, yet no proof of validation has been provided, violating FCRA 611 ( a ) and FDCPA 809 ( b ).

Please reinvestigate and delete this account if it can not be fully verified with documentation from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: KS

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 explanation
Consumer complaint received 2025-10-13 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: CL Holdings LLC
State: AR

Complaint narrative:
I've never lived at the address/service address that is attached to my social security number and birthday. In fact XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. DOES NOT EXIST. I've requested on serveal occasions for the Original creditor to verify this account. I'm requesting this account to be removed from my credit report immediately due to the fact its inaccurate and by law it must be removed. I DO NOT OWE THIS ALLEGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a promotional e-mail from Chase Bank on XX/XX/year>, at XXXXXXXX XXXX. thanking me for being a XXXX customer. This e-mail indicated that if I opened up an additional Checking and Savings account, I would receive up to {$900.00} if I met the terms of the offer. I did meet the requirements of this offer by transferring {$15000.00} of new money into a savings account and then setting up a direct deposit with XXXX XXXX monthly deposits. I opened up both accounts on-line and applied the coupon code. After the waiting period, I did not receive the promotional offer. 

I went into the XXXXXXXX XXXX Bank XXXX on XX/XX/year>, at XXXX p.m. and spoke with a Personal Banker XXXX XXXX. I explained the situation to her, and she told me that it should be no issue for her XXXX XXXX XXXX to override this in their system and led me to believe that he would take care of it. XXXX happened to be on his lunch break and XXXX told me that he would call me back. When XXXX did so, he told me that he could not do that because I already had an account in my name. I asked him for the name of his supervisor which he refused to provide to me. I ended up contacting XXXX XXXX, Bank XXXX of the XXXX XXXX and he provided me the XXXX XXXX number where I could file a formal complaint with Chase.

My frustration with Chase bank is that this e-mail was sent to my personal e-mail and in bold states " We're thanking you with an up to {$900.00} offer! '' This is very misleading and can be construed as false advertising if it doesn't apply to someone who already has an account with Chase. Why would Chase be sending this to me since I " technically '' already had an account with them and why would it be thanking me? 

In the fine print, it states that if I already had an account with Chase bank, that I was not eligible. The only accounts that I have with Chase bank are representative payee accounts for my parents and a checking account that is associated with the representative payee accounts to write checks for my parents but has my name on the account as I have to sign the checks. 

I received a mailer through the XXXX Mail, and that XXXX wasn't addressed to me personally, and that clearly states for new Chase checking customers. I also attached that to my original complaint with Chase. I can see the difference in that. 

The complaint fell on deaf ears and XXXX at the XXXX XXXX did not see the gray area as to why I was a signer on an account at Chase Bank. If they looked at that account closely, they would clearly see that the only funds in that account were transferred from the representative payee accounts. They focused solely on the fine print in their flyer and not on the misleading message of thanking me or that it could be construed as false advertising. That is why I am filing this complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am an Identity theft victim!! ! After reviewing my current credit report I see my credit has been compromise and needed the following corrections done immediately : Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Fl, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX, According to the 15 U.S. code 1681c-2, 15 USC 1602 p and 15 USC 1692c. 15 U.S. code 1681b. Please fix this matter immediately and this has been reported for further investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-13 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: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is both accurate and verifiable. I request that these accounts be investigated, and if they can not be confirmed as correct, they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-10-13 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I had a loan pre-approval from USAA for {$200000.00} more than the price for which I contracted. Regardless, just a few days prior to my XX/XX/year>, closing, I was told by the Manager of the Real Estate Processing Dept. ( XXXX XXXX XXXX ) that I did not qualify and there would be no loan unless I paid approximately {$15000.00} to 'buy down '' the interest rate a quarter percent. I had accepted a new job already, paid a significant good faith deposit, and had the home inspection and other paid-for expenditures. I felt deceived and forced to pay this money. I had over {$100000.00} in cash and offered to put a larger down payment and was told " no. '' The loan officer, XXXX XXXX, said that he was confused because this was a " very good loan. '' It was so good, in fact, that USAA immediately sold the loan to XXXX XXXX! USAA records all calls for QA and you can ask them for these recordings to fully understand this deceptive practice.

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 2025-10-13 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: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AZ

Complaint narrative:
XXXXPlease delete all fraud accounts per FCRA and POLICE REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNEW FULL POLICE REPORT attached, NEW FTC, Bank statement, social security and ID attached. Please also remove address XXXX XXXX XXXX XXXX XXXX ca XXXX  and remove XXXX XXXX XXXX XXXX XXXX caXXXXthank you. per FCRA and federal guidelines'

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 2025-10-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXXPlease delete all fraud accounts per FCRA and POLICE REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNEW FULL POLICE REPORT attached, NEW FTC, Bank statement, social security and ID attached. Please also remove address XXXX XXXX XXXX XXXX XXXX ca XXXX  and remove XXXX XXXX XXXX XXXX XXXX caXXXXthank you. per FCRA and federal guidelines'

Company response to consumer: Closed with non-monetary relief