vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: OK

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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  INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-09-06 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Morning hours of XX/XX/XXXX, I had down loaded on line apartment finder app, looking for rental XXXX XXXX area so I used the XXXX XXXX, app which was ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a woman on XXXX XXXX  XXXX contacted me threw app soposal secure app, I went with this app thinking this XXXX a way that I could not get scammed application fee, being low income single struggling already, the on line Relistate agent said she would contact owner see if they accept section XXXX, later that same day a lady contacted me by name of XXXX XXXX XXXX XXXX have all screen shots in my phone while claimed she had lawyer to draw up lease agreement, which XXXX that I payed threw my chime card contacted chime also have all emails denied debut lawyers name XXXX XXXX , we chat thew emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
I, hereby state that my personal and financial information was exposed as a result of a data breach. I have reason to believe that the exposure of my information directly resulted in the theft and fraudulent use of my identity. After learning of the breach, I began experiencing the following issues : Unauthorized inquiries and applications for credit in my name that I did not initiate. Accounts opened without my knowledge or consent. Fraudulent transactions and attempts to obtain funding using my personal information. I did not authorize any of these activities. I am the victim of identity theft and have suffered financial and personal harm as a direct result of this fraudulent activity. This statement is provided to assist in the investigation of this matter and to establish that any accounts, inquiries, or transactions in my name, other than those I personally authorized, are the result of identity theft and should not be attributed to me. I request that all consumer reporting agencies and relevant institutions : Block and remove all fraudulent accounts and inquiries related to the identity theft. Company or Organization : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6100.00} Fraudulent Checking or Savings Account Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$130.00} Fraudulent Personal or Business Loan Company or Organization : XXXX  XXXX XXXX XXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$3200.00} Fraudulent Personal or Business Loan XXXX XXXX XXXX  Company or Organization : XXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$11000.00}

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 2025-09-06 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:
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. 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 has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 the 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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have learned that a balance transfer payment I requested on XX/XX/XXXX for {$2900.00} originating from XXXX XXXX  XXXX on XX/XX/XXXX meant for XXXX XXXX XXXX  was cashed by JP Morgan Chase BK NA on XX/XX/XXXX. 

I contacted XXXX XXXX  on XX/XX/XXXX. They informed me that I should contact the payee, XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  on XX/XX/XXXX and they filed a dispute request. I received a letter dated XX/XX/XXXX confirming the dispute was received. 

I received a letter from XXXX XXXX XXXX  dated XX/XX/XXXX that communicated they had no record of my dispute. The letter requested a copy of the check for further investigation. 
I contacted XXXX XXXX  upon receipt of the XX/XX/XXXX letter received from XXXX and received the copy of the canceled XXXX XXXX  check on XXXX. 

I contacted XXXX XXXX XXXX  on XXXX to find out how to get them a copy of the check in question. I received a letter from XXXX XXXX XXXX  dated XX/XX/XXXX that noted they were missing information to locate the payment of {$200.00}. I noticed the amount they referred to was incorrect. The payment amount was {$2900.00}. The error in the amount that XXXX XXXX XXXX  was researching was incorrect. This error caused a significant delay in the process. 

XX/XX/XXXX, I sent a copy of the cancelled check via Certified Mail to XXXX XXXX XXXX. It arrived on XX/XX/XXXX. I received a response from XXXX XXXX XXXX  via letter dated XX/XX/XXXX. The letter communicated that the payment did not post to my account and that the payment was cashed by another company. The letter also noted that being they did not receive payment by the due date, all interest charges and late fees would be valid. 

XX/XX/XXXX I contacted XXXX XXXX  to ask for additional assistance in tracking down the balance transfer payment I requested in XXXX. A very helpful rep recommended that I contact JP Morgan Chase to request they research the payment from Card Member Services. 

XX/XX/XXXX I contacted JP Morgan Chase. They researched my current Chase accounts and did not find any payments from XXXX XXXX. I too have checked all of my credit card accounts and do not see the payment requested from XXXX XXXX. 

XX/XX/XXXX I sent via Certified Mail a letter to JP Morgan Chase in XXXX XXXX, IL, along with the copy of the canceled check showing their stamp. The Certified Mail tracking is showing that the item was picked up on XX/XX/XXXX. 

I have uploaded a copy of the canceled check that XXXX XXXX  provided. This was to be received and cashed by XXXX XXXX XXXX, not JP Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$3000.00} Account Name : XXXX XXXX XXXX XXXXXXXX -Date Opened XXXX-Balance {$2500.00} Account Name : XXXX XXXXXXXX XXXX XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Re : Debt Validation Request Alleged XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

You are hereby notified : 1. I do not acknowledge or accept this alleged debt as mine.

2. You must provide strict proof that United Revenue has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature.

- A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated.

- Documentation showing when and how United Revenue acquired this debt, and proof of assignment or transfer from the original creditor.

- Evidence that this debt is within the statute of limitations for collection under state law.

3. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action.

Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law.

- I will use your failure to provide proper validation as part of my defense in court.

- This letter serves as official notice that I will require all communications in writing only.

You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus.

I expect a full written response within 30 days of receipt of this letter. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
I am filing a complaint regarding an alleged debt that IQ Data International is attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX 

I legally vacated XXXX XXXX on XX/XX/year>, after providing notice. I was never informed of any charges at or after move out. IQ Data International sent me a collection notice XX/XX/year>. On XX/XX/year>, I mailed a written dispute and request for validation of the alleged debt via USPS Certified Mail. Delivery/Pickup was confirmed on XXXX XXXX. Since that time, I have not received proper validation of the debt. I called XXXX XXXX and IQ Data has stated my account is still on compliance hold pending documents from XXXX XXXX, but no documentation has been provided to me. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), collection activity must cease until validation is provided. I am concerned that this debt may be reported to the credit bureaus despite no validation being sent to me, which would also raise issues under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

On XX/XX/year>, IQ Data accessed my XXXX  credit file through a soft inquiry ( account review ). While this did not affect my credit score, I want to be proactive to ensure the alleged debt isn't reported. 

XXXX XXXX also withheld my {$500.00} security deposit and a portion of XX/XX/year> rent ( I legally vacated after only staying 7 days ) while still forwarding my account to collections. This calls into question the accuracy and legitimacy of the alleged debt. 

Important Dates XX/XX/year> I paid the entire month of XXXX, despite giving notice and legally vacating XXXX XXXX. 

XX/XX/year> I legally vacated XXXX XXXX. 

XX/XX/year> XXXX XXXX XXXX reflected a {$0.00} balance. 

XX/XX/year> IQ Data soft inquiry on my XXXX  credit file. 

XX/XX/year> IQ Data sent me alleged debt collection letter on behalf of XXXX XXXX. 

XX/XX/year> IQ Data received my formal dispute letter sent via USPS Certified Mail ( delivered ). 

XXXX XXXX, XXXX  IQ Data repeatedly confirmed my account is on compliance hold pending Zones response, but no validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 2025-09-06 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: TX

Complaint narrative:
I am writing to dispute certain information contained in my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure that all information reported is accurate, complete, and verifiable.

This letter serves as formal notice that my file contains information that I believe is inaccurate or unverifiable. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information. If the information can not be verified within 30 days, you must promptly delete it from my credit file.

I am not obligated to identify each disputed item ; the FCRA requires you to investigate any and all disputed information I bring to your attention. Please consider this letter as a dispute of all accounts, inquiries, or other entries in my file that can not be independently verified.

In accordance with your obligations under the FCRA : 1. Conduct a thorough reinvestigation of my credit file.

2. Remove any and all information that can not be verified within the statutory timeframe.

3. Provide me with written confirmation of the results of your reinvestigation and an updated copy of my credit report.

For verification of my identity, I have enclosed copies of my government-issued identification.

Please note that failure to comply with your obligations under the FCRA may constitute a violation of federal law, and I reserve the right to pursue further remedies as allowed under 15 U.S.C. 1681n and 1681o.

I expect full compliance within the timeframes required by law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation