vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
I am filing a complaint against TransUnion for reporting multiple accounts with re-aged or inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). 

These accounts continue to show recent update dates and derogatory status even though the original delinquencies occurred years earlier. This re-aging extends the reporting period beyond the seven years allowed under 15 U.S.C. 1681c ( a ) ( 4 ) and misrepresents the true credit history, violating 1681s-2 ( a ) ( 5 ). 

Accounts in question : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) Re-aged : now shows Updated XX/XX/XXXX, but first delinquency occurred in XXXX ( vehicle voluntarily surrendered ). 
Violations : 1681s-2 ( a ) ( 5 ), 1681c ( a ) ( 4 ). 
2. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) Account was paid and closed in XX/XX/XXXX, but bureaus still report multiple late payments through XXXX. 
Violations : 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ). 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) Charged off in XXXX, yet continues to update monthly through XXXX as if delinquent. 
Violations : 1681c ( a ) ( 4 ), 1681i ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX Acct # XXXX ) Charge-off still updates in XXXX even though first delinquency was in XXXX. 
Violations : 1681s-2 ( a ) ( 1 ) ( A ), 1681c ( a ) ( 4 ).

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank , N.A . for continued inaccurate and unverifiable credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
JPMCB has been reporting a closed credit card account ( Account ending in [ XXXX ] ) as a charge-off / profit and loss write-off since XX/XX/XXXX. Despite the account being closed over XXXX years ago, it continues to update and report as active and derogatory on my credit report through XX/XX/XXXX. 
I have disputed this account multiple times with XXXX XXXX XXXX XXXX and each time JPMorgan Chase has verified the information but never provided any actual documentation proving the accuracy or validity of the debt. 
I also sent a certified debt validation and cease reporting demand directly to JPMorgan Chase, citing FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). Chase has failed to provide the requested validation or respond in good faith.

This constitutes continued reporting of unverifiable and inaccurate information, in violation of : FCRA 611 ( a ) ( 5 ) ( A ) requiring deletion of unverifiable information FCRA 623 ( b ) ( 1 ) requiring a reasonable investigation after a consumer dispute FDCPA 809 ( b ) prohibiting continued collection/reporting without validation Their actions have caused significant harm to my creditworthiness, emotional distress, and loss of credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized items being reported on my credit profile. These errors have caused significant harm to my creditworthiness and violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation and correction of the following items listed below. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account falsely reports a late payment that never occurred. There is no verifiable record of delinquency. Reporting inaccurate data violates FCRA 607 ( B ) and 623 ( A ) ( 1 ) ( A ). I demand immediate deletion or correction of this false report. 

Inquiry : XXXX XX/XX/XXXX This inquiry was made without my consent and violates FCRA 604 ( A ) and 607 ( B ). I have no relationship with this entity. Delete it immediately and provide written confirmation. 

These inaccurate items have collectively damaged my credit standing, interfered with my ability to secure fair financial opportunities, and created unnecessary emotional and financial hardship. Under FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to a prompt and thorough reinvestigation, and I expect confirmation of correction or deletion of each listed item within the legally required timeframe. I also request copies of all verification documents used to validate these items as per FCRA 609 ( a ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-05 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: IL

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-05 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: TN

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NY

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 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 2025-11-05 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance - {$54000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$2000.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I made 2 pmts in XXXX and XXXX for my mortgage I called to confirm receipt with XXXX Bank On the XXXX th of XXXX I noticed my chase acct + by those 2 mortgage pmts I called Chase and was told that a scammer had disputed those charges which is why Chase credited my acct I advised Chase that i had not authorized that. I consistently make monthly pmts out of that acct on time Why wouldnt have Chase called me to question that? The person at Chase told me that she would cancel the disputes and the money would be sent back to XXXX Bank This was never done Consequently I am now delinquent with 2 of my mortgage pmts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am very upset that the inaccurate late payments continue to show up on my credit report today. They should have already been removed, yet they remain even after I rechecked my account. Please go over the documents I sent right away so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
There is a XXXX XXXX  account with number XXXXXXXX XXXX XXXX XXXX XXXX showing on my XXXX, XXXX  and experian credit reports. I dont have any knowledge of this account as I have never pursued credit from XXXX XXXX I believe this to be fraud! A couple of years ago my information was stolen and I even had to go to court for traffic tickets that weren't mine. This negative information is impacting me from the home buying process

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 2025-11-05 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-11-05 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> i deposited my check of {$20000.00} I received from XXXX  XXXX XXXX from a prepaid card i had money on that got closed so they sent me a check, the following morning the check cleared for the full amount. I spent about {$5000.00} of the money before they placed a hold on my account for unusual activity, so the rest of the {$15000.00} is on hold they gave me 2 different dates when the hold would come off I waited and the hold still did not come off, they assigned my case to a account manager who said it has been and extended hold on my account until they can verify the check with the issuer. I waited days and contacted my account manager and still no response from my issuing bank also the check hasent been returned unpaid or nothing just still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 non-monetary relief
Consumer complaint received 2025-11-05 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:
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 2025-11-05 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: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint due to significant and unresolved errors reflected on my LexisNexis report concerning insurance claims and traffic violation data. These inaccuracies have directly impacted my insurance premiums and driving record with XXXX and potentially other carriers. 

Details : Incorrect Claims Reporting : LexisNexis shows Emergency Roadside Assistance/Towing claims on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These include multiple duplicates, misattributions, or inaccurate entries that I did not initiate. 

XXXX XXXX XXXX : The report lists accidents for XX/XX/XXXX and XX/XX/XXXX, with substantial claim amounts. These are either inaccurate as to fault or misreported entirely. 

Traffic Violations : Entries for XX/XX/XXXX ( Speeding, XXXX mph over, unknown speed zone ) and XX/XX/XXXX ( Failure to Stop ) exist without proper verification and may have been included erroneously. 

Financial Impact : As a result, my auto insurance premium was raised to {$1000.00} and the errors negatively influence my marketability to other insurers. 

Actions Taken : I disputed these entries directly with my insurer and requested LexisNexis conduct a reinvestigation and correct the data. 

I provided documentation supporting my claims and submitted correction requests. 

Despite my actions, the records remain uncorrected on my LexisNexis file, continuing to cause harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-05 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-05 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: TN

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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