vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute certain inaccurate items in my credit report, as provided to me on Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. 
The following items appear to be inaccurate and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to my account.

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 2025-05-07 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: LA

Complaint narrative:
On XX/XX/year> Equifax sent A letter saying a bankruptcy was verified through a third party such as XXXX XXXX XXXX from the Furniture. Which is the XXXX Bankruptcy court. According to the courts don " t share your information via third party at all even with written consent which they don " t have. I ask ta the Bankruptcy that's reporting on my account be removed. I know they are not properly investigating because this information is not shared according to documents from the courts. This is harming my credit, and it has been over 30 days for the first dispute and defiantly over 15 days for the second. I turned to the CFPB for help, but I guess you all are not on them that hard. I also Have 12 Missed HOA payments and Don " t even have a Mortgage on m consumer report because I don " t own a home so I know Equifax is letting companies commit fraud and put anything on you. Which is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Several inquiries and fraudulent accounts on 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 2025-05-07 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:
Several inquiries and fraudulent accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
Subject : Formal Dispute Request Under FCRA Deletion of Inaccurate Information I am writing to formally dispute and request the deletion of several inaccurate and unverifiable items appearing on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 1681s-2, and 1681i ( 5 ).

Disputed Items Personal Information Item Code Type Detail Dispute Reason XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX This address does not belong to me. Request removal for inaccuracy. 

Disputed Accounts Item Code Creditor Name Account Number Balance Open Date Date Last Active Dispute Reason XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX XX/XX/XXXX Open date and last active date do not reflect maximum accuracy as required under 15 USC 1681e ( b ). Delete immediately under 1681i ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX XX/XX/XXXX Pay status is inaccurate, and remarks PLACED FOR COLLECTION are not verified. Delete for violation of 15 USC 1681e ( b ).

Disputed Inquiries Item Code Creditor Name Inquiry Date Permissible Purpose Dispute Reason XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Unknown This inquiry lacks permissible purpose per 15 USC 1681b . Please delete immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Unknown No authorization provided. Remove this item per FCRA. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Unknown No permissible purpose confirmed. Delete per 1681b.

Please complete your reinvestigation within 30 days per 15 USC 1681i and send me written confirmation of deletion. If you determine the items are valid, provide documentation used in your verification.

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 2025-05-07 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: GA

Complaint narrative:
Subject : Formal Dispute Request Under FCRA Deletion of Inaccurate Information I am writing to formally dispute and request the deletion of several inaccurate and unverifiable items appearing on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 1681s-2, and 1681i ( 5 ).

Disputed Items Personal Information Item Code Type Detail Dispute Reason XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX This address does not belong to me. Request removal for inaccuracy. 

Disputed Accounts Item Code Creditor Name Account Number Balance Open Date Date Last Active Dispute Reason XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX XX/XX/XXXX Open date and last active date do not reflect maximum accuracy as required under 15 USC 1681e ( b ). Delete immediately under 1681i ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX XX/XX/XXXX Pay status is inaccurate, and remarks PLACED FOR COLLECTION are not verified. Delete for violation of 15 USC 1681e ( b ).

Disputed Inquiries Item Code Creditor Name Inquiry Date Permissible Purpose Dispute Reason XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Unknown This inquiry lacks permissible purpose per 15 USC 1681b . Please delete immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Unknown No authorization provided. Remove this item per FCRA. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Unknown No permissible purpose confirmed. Delete per 1681b.

Please complete your reinvestigation within 30 days per 15 USC 1681i and send me written confirmation of deletion. If you determine the items are valid, provide documentation used in your verification.

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 2025-05-07 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-07 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their failure to respond to my credit disputes and identity theft reports, in violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes and supporting documentation, I have received no response or resolution from any of these credit reporting agencies. 

On XX/XX/XXXX, I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate information on my credit reports that do not belong to me. Additionally, on XX/XX/XXXX, I sent each agency a second set of letters, including : A Federal Trade Commission ( FTC ) Identity Theft Report ; A copy of my Social Security card ; and Detailed information identifying the fraudulent accounts and inaccuracies I am disputing. 

Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and respond with the results of their investigation. As of today, XX/XX/XXXX, I have not received any acknowledgment, response, or resolution from any of the XXXX agencies regarding either submission. This lack of action has caused significant frustration and potential harm to my creditworthiness.Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), credit reporting agencies are required to provide a written notice of the results of their investigation, including a description of the procedure used to determine the accuracy of the disputed information, within XXXX business days after completing the investigation. Given that Equifax, Experian, and TransUnion have failed to provide any response to my disputes submitted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX they are in clear violation of this statutory requirement, further exacerbating the harm caused by their inaction.

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 2025-05-07 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their failure to respond to my credit disputes and identity theft reports, in violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes and supporting documentation, I have received no response or resolution from any of these credit reporting agencies. 

On XX/XX/XXXX, I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate information on my credit reports that do not belong to me. Additionally, on XX/XX/XXXX, I sent each agency a second set of letters, including : A Federal Trade Commission ( FTC ) Identity Theft Report ; A copy of my Social Security card ; and Detailed information identifying the fraudulent accounts and inaccuracies I am disputing. 

Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and respond with the results of their investigation. As of today, XX/XX/XXXX, I have not received any acknowledgment, response, or resolution from any of the XXXX agencies regarding either submission. This lack of action has caused significant frustration and potential harm to my creditworthiness.Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), credit reporting agencies are required to provide a written notice of the results of their investigation, including a description of the procedure used to determine the accuracy of the disputed information, within XXXX business days after completing the investigation. Given that Equifax, Experian, and TransUnion have failed to provide any response to my disputes submitted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX they are in clear violation of this statutory requirement, further exacerbating the harm caused by their inaction.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In XX/XX/XXXX, I was approved for an XXXX Chase credit card but never received it due to delivery issues. Im a XXXX XXXX and had returned to school before the card ever arrived. Since the card was never activated or used by me, I assumed there was no issue. 

Around XX/XX/XXXX, I began receiving emails from Chase about a balance due. I initially thought it was a scam since I never received or used the card and do not bank with Chase. After receiving these emails for a while, I contacted Chase and was informed that two purchases had been made and delivered to addresses in XXXXXXXX XXXX I have never visited. I reported the transactions as fraudulent and requested that the account be closed. I was told the matter would be handled. 

By XX/XX/XXXX, I noticed a significant drop in my credit score due to a reported delinquency. Upon contacting Chase again, I was told that my account had not been closed but merely assigned a new account number. I reiterated that I never used the card, requested all accounts to be closed, and insisted the transactions be investigated as fraud. 

The fraud investigation later confirmed that the charges were indeed fraudulent. However, Chase is still holding me responsible for interest and late feesdespite confirming that I did not make the purchases. I was offered a {$14.00} credit but am still being asked to pay {$170.00}, which I can not afford as a XXXX This situation continues to harm my credit score and financial well-being, and I believe I should not owe anything on a card I never received or used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

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