vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Subject : Identity Theft, Fraudulent Activity Dispute, and Security Breach Notification Re : Request for Investigation and Blocking of Fraudulent Information under FCRA and FACTA Dear Equifax, I am writing to formally notify you that I am the victim of identity theft and to dispute fraudulent and inaccurate information currently appearing on my credit file. This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Upon reviewing my credit report, I discovered unauthorized and fraudulent accounts/inquiries that I did not open or authorize. Additionally, I have reason to believe that my personal information has been compromised due to a security breach, which may have facilitated this fraudulent activity.

Actions I Am Requesting : Immediate blocking of fraudulent information under FCRA 605B, which requires the credit bureau to block identity theft-related information from appearing in a consumers file within XXXX business days of receiving the proper documentation. 
Initiation of a reinvestigation of all disputed information per FCRA 611. Please investigate the disputed accounts and remove any unverifiable or fraudulent data. 
Placement of a fraud alert on my file for a minimum of XXXX year ( or extended, if applicable ), in accordance with FCRA 605A. 
Free copy of my updated credit report showing all changes made due to this request. 
Enclosed are the following supporting documents : A copy of my government-issued ID ( drivers license or passport ) A copy of a utility bill or bank statement verifying my current address A completed FTC Identity Theft Report ( or police report if available ) A list of the fraudulent accounts or inquiries being disputed A signed statement affirming I did not authorize the fraudulent activity Please treat this matter with urgency and respond within the XXXX period mandated by federal law. If the information is not corrected, blocked, or removed as required, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AZ

Complaint narrative:
In XXXX of 2023 I applied for an apartment at XXXX in XXXX XXXX paid them {$330.00} to apply+ {$4.00} service fee roughly $ XXXX was approved for the apartment, but when it came time to move in a week later, and a XXXX drive frorm Florida to XXXX XXXX AZ they did not and could not have the aprtment ready for me to move in, they canceled my application, then refunded me $ XXXX service fee by check.Almost XXXX  years later XXXX 's management company XXXX XXXX residential '' Told me that I owed then {$330.00}, that I was not suppose to be refunded ... They asked for me to return the money, which I was not obligated to do, then they put me in collections for {$330.00} with IQ DATA ( collections agency ) I disputed the collection and they have now listed it on XXXX as " Paid XXXX balance '' but they refuse to remove it, the Have it listed on Experian as " in collection for {$330.00} '' I do not owe them ANY MONEY! They have it listed XXXX different ways on XXXX different bureaus.I have tried to call and talk to them ( XXXX XXXX ) and they are NOT willing to help.This is a nightmare and I have documents proving I paid them, I also have the Ledger from XXXX showing a XXXX balance.Please Help!! IQ Data are FRUADS and Extortion Artists.IQ data WILL NOT remove this debt that I NEVER owed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau CFPB - ( XXXX ) XXXX To all Parties of Concern, I am writing to escalate a matter concerning J.P. Morgan Chase Bank & Co regarding an urgent customer service issue they have failed to resolve on their end even after the matter was escalated to the Chase Executive team. 

POSITION : To summarize, XXXX violations were issued which I attempted to pay XX/XX/year> for XXXX and XX/XX/year> for XXXX through the XXXX XXXX with my bank account. The XXXX issued payment confirmations and then later contacted me that the payment did not go through. 

I contacted Chase bank on numerous occasions, and they find no record of ever receiving the payment requests in their transaction history. Note : this was the same account I used to successfully pay a violation on XXXX. I escalated the matter to the Chase XXXX team, and they found no evidence of anything from the XXXX in their transaction history. I will proceed to escalate to the BBB and the XXXX Attorney General. 

This leaves me at an unjust impasse between XXXX and Chase. I requested bona fide investigations many times with no satisfactory explanation or resolution to the matter from either agency/corporate organization. They are threatening to tow and boot my car. If this happens, there will be a lawsuit. I am a disabled individual, and it is a hardship for me to go in person to pay tickets. I am counting on the portal being accessible and functional. 

I therefore appeal to the Consumer Financial Protection Bureau to look into this matter and offer support. This is a matter than warrants investigation. 

I have attached a ZipFile with all the evidence gathered thus far including a timeline I have thus far gathered which includes receipts, letters, timestamped emails and voice mail recordings. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

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 non-monetary relief
Consumer complaint received 2025-11-19 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 am writing to dispute certain information appearing on my credit reports. The details of the accounts in dispute are listed below for each credit bureau. 

harged Off Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-19 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
XXXX. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXXXXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information 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 2025-11-19 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: SC

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the listed furnishers for multiple violations of the Fair Credit Reporting Act ( FCRA ). My consumer report contains incorrect addresses, false late payment reporting, and unauthorized inquiries that I did not authorize. Despite disputes, these items remain uncorrected. 

XXXX. WRONG ADDRESSES REPORTED ( Identity & Accuracy Violations ) The following addresses appearing on my credit report are not mine, and I have never lived at or been associated with any of them : XXXX XXXX XXXX, XXXX XXXX, SC XXXX Wrong Address XXXX XXXX, XXXX, SC XXXX Wrong Address These inaccurate addresses pose a serious identity and privacy concern and violate FCRA 602A, 607 ( b ), and 609 ( a ). 

I am requesting their immediate removal. 

XXXX. FALSE LATE PAYMENTS ( Inaccurate & Damaging Reporting ) The following accounts are being reported with late payments that are 100 % incorrect. 
I have never been late on either account, and the history being reported is false : XXXX XXXX XXXX * High Balance : {$96000.00} Date Opened : XX/XX/XXXX Late Payment FALSE & UNVERIFIED XXXX XXXX XXXX * High Balance : {$120.00} Date Opened : XX/XX/XXXX Late Payment FALSE & UNVERIFIED These furnishers have failed to conduct proper verification, violating FCRA 611 & 623. 

I am demanding that the CFPB require immediate correction of these inaccurate late payments. 

XXXX. UNAUTHORIZED HARD INQUIRIES ( No Permission Given ) I did not authorize or consent to the following hard inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX ( duplicate ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were done without my knowledge or authorization, violating FCRA 604 ( a ) ( 2 ) . 

I am requesting that the CFPB compel the credit bureaus and furnishers to : Provide proof of permissible purpose, OR Delete these unauthorized inquiries immediately Requested Relief I respectfully request that the CFPB require the credit bureaus and furnishers to : Remove all wrong/incorrect addresses from my report Correct and delete all inaccurate late payments Remove all unauthorized inquiries listed above Provide a complete, updated, corrected consumer report Investigate the furnishers for potential ongoing FCRA violations Conclusion These errors have caused significant harm to my credit, financial opportunities, and peace of mind. I am requesting the CFPBs immediate assistance in ensuring that my consumer rights under the FCRA are enforced and that all inaccurate and unauthorized information is removed. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-11-19 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:
Victim of Data Security Breaches XXXX, XXXX Data Breach XXXX TransUnion Data Breach XXXX cv XXXX The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all XXXX and XXXX agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations. 
XXXX. XXXX XXXX XXXX # XXXX : Bal $ XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX/Acct # XXXX : Bal $ XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XXXX # XXXX : Bal $ XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX : XXXX $ XXXX Allegedly Open : XX/XX/XXXX XXXX. XXXX XXXX  : New York XXXX XXXX # XXXX : XXXX $ XXXX Allegedly Open : XX/XX/XXXX XXXX XXXX XXXX/Acct # XXXX : XXXX {$270.00} Allegedly Open : NA

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
In XXXX I was sold a solar system by XXXX with false and misleading statements. The salesperson told me my electricity bill would be eliminated, that I would make money from excess production, and that I would receive a referral payment through my father-in-laws system. None of these claims were true. 

After installation, I learned the system would not eliminate my electricity bill and was not cost-effective as promised. I contacted the XXXX representative in XX/XX/year>, and he replied once saying he was out of town for a family funeral and would return at the end of the month. After that message he never responded to any follow-ups and provided no support. 

Although XXXX was issued, I never activated or used the system because the sales claims were false, the promised benefits never existed, and the installer abandoned communication. I received no financial benefit from the system. 

XXXX later went out of business and can not honor any part of the contract or provide any service. Mosaic continues to bill me for a loan that was obtained through misleading sales practices and that provides no benefit. I am requesting cancellation of the loan, forgiveness of the remaining balance, and refund of the payments I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-19 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-19 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-19 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:
b'I sent a certified letter to Transunion on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX Per the XXXX  the letter was delivered on XXXX The letter\nstated they needed to promptly investigate the account and correct it or delete it. This\nincluded letters for accounts:XXXX XXXX (account # XXXX XXXX XXXX XXXX (account XXXX XXXX XXXXTransunion failed to respond. I sent another letter on XXXX which they failed to\nrespond to once again.'

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 2025-11-19 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute for the accounts listed below, which are inaccurately reported on my credit report. The accounts listed include charged off accounts and inquiries that I believe have been reported incorrectly. Please investigate these accounts and correct any inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>

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