vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. 

Thank you for your prompt attention to this serious 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 explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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:
Disputed accounts must be removed promptly, as legally required.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address inaccuracies that have been reported on my credit reports by the major credit bureaus. These discrepancies are adversely affecting my credit score and overall financial well-being. I am requesting a thorough review and resolution of the following accounts, which I believe to be incorrectly reported. 


XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Issue : Requesting verification of the accounts details and balance. 

XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Issue : The balance shown seems inconsistent ; verification required. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7800.00} Issue : Discrepancy in reported balance needs to be clarified. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} Issue : Clarification needed for reported balance and status. 

XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9200.00} Issue : Status and balance need to be verified. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Issue : The balance reported requires further validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : Requesting verification of account information. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Issue : Verification needed for the accuracy of the reported balance. 



Late Payments : TransUnion ( XXXX ) : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Date of Late Payment : [ Specify Date, if available ] Issue : Dispute regarding the accuracy of the reported late 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 non-monetary relief
Consumer complaint received 2025-11-04 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: MD

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 explanation
Consumer complaint received 2025-11-04 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: NJ

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: WI

Complaint narrative:
I discovered a Conspiracy to discredit me when I intended to use my card after paying my balance to zero. Over the phone, I was informed that my account had been reported to the credit bureau due to fraudulent information in my application. The only company reporting a fraudulent address with the credit bureau was XXXX, the same company I had previously complained to the CFPB. I had believed the issue had been resolved, but the thieves are still able to keep my money. XXXX has been providing misleading information to the credit reporting bureau and has sent dozens of replacement cards, some of which dont activate. As a result, I will have to file a lawsuit in federal court. XXXX is retaliating against me for filing a complaint with the CFPB to lower my credit score.

The representative informed me that I was a fraud because of misleading application information, as the credit bill provided them with information I am not privy to. They terminated my account based on this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint because a debt that was fully settled is being reported inaccurately on my credit report the account from National Credit Systems was settled as agreed between both parties. Dispute this. This account continues to be reported as collections, which is inaccurate and misleading. This report negatively affects my credit score and misrepresents my payment history. 
I contacted the creditor and the credit Bureau to correct this information, but the account remains inaccurate. Under the Fair Credit Reporting Act, information reported to credit bureaus must be complete and accurate, and under the Fair Debt Collection Practices Act, a debt collector may not report false or misleading information. 
I am requesting that the CFPB investigate this issue and require the furnisher and credit bureau to update and remove the inaccurate entry to reflect the settlement status correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NV

Complaint narrative:
I am submitting this complaint against Equifax Information Services, LLC for multiple and continuing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Data Breach Negligence : Equifax suffered a major data breach in 2018 compromising the personal information of over XXXX XXXX consumers. Equifax confirmed that my information was included in this breach ( Engagement No. XXXX ). Despite this, Equifax continues to maintain and furnish my private data to third parties without my authorization, violating 15 U.S.C. 1681e ( a ), which requires reasonable procedures to protect consumer data and ensure maximum possible accuracy. 

Failure to Correct or Safeguard Data : Despite the XXXX  breach and repeated notice, Equifax continues to mishandle my consumer data. Their continued publication, storage, and distribution of inaccurate and unauthorized data demonstrates reckless disregard for consumer privacy and noncompliance with the FCRA. 

Violations Cited 15 U.S.C. 1681b : Unlawful furnishing of consumer reports without permissible purpose.

15 U.S.C. 1681e ( a ) : Failure to maintain reasonable procedures to protect and ensure data accuracy.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c ( a ) : Inclusion of inaccurate or obsolete information in a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXXI recently wrote a check for XXXX on XX/XX/XXXXto receive merchandise and I was scammed out of the money.\n \nIn order to prosecute this individual, all I need is J P Morgan Chase to verify that my check was cashed and send the verification notice to detective XXXX XXXX XXXX XXXX based on an official subpoena request. (This is the XXXX  request as the first subpoena had my incorrect account number and Chase closed out the job and we had to start all over again)XXXX XXXXThe request started on XX/XX/XXXX but we cannot start proceedings until JP Morgan chase verifies the actual withdrawal from Chase back office records team. XXXX XXXX XXXX). On XX/XX/XXXX still no sign of the check.XXXXI contacted XXXX XXXX at JPMorgan chase and she said that it was already done. This is not the case. Since the first case was "closed" it appears the check was sent but it was not.XXXX XXXX have escalated this matter tI emailed XXXX and was promised this matter would be escalated. Nothing has happened. I spoke to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks ago. Still no copy of a simple checkXXXX XXXX XXXX  a subpoena request was sent certified mail XXXX. JP Morgan records said they never received. Therefore onXX/XX/XXXX a subpoena request was faxed to XXXX XXXX XXXX. Today, XX/XX/XXXX we were told there was no receipt of that fax. Therefore, we are faxing again on XX/XX/XXXXat XXXX XXXX Since we never received a copy of the check, I inquired to back records of Chase at XXXX XXXX XXXX  I was told one digit was missing from my account number on the subpoena and the claim was being rejected even though we sent a copy of the check (back and front) with the correct account number to Chase directly. On XXXX XXXX, a new subpoena was sent to JP Margam Chase records with all the correct information. I tried to escalate this matter with XXXX XXXX XXXX XXXX XXXX and was told I would get a fast turn around. It is now XX/XX/XXXX, XXXX  weeks later and we have not received a copy of my check in order to prosecute a criminal who stole my XXXX. This is a grand larceny case but the first step is to obtain a copy of my check from J P Morgan ChaseXXXX XXXXPlease help me obtain a verified copy of a check number XXXX on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX JP Morgan Chase account. The copy of the check needs to be emailed to detective XXXX XXXX XXXX XXXX XXXX XXXX police department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI hope you can help in this matter that Chase deemed as "closed"'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-04 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: GA

Complaint narrative:
Subject : Complaint and Request for Correction of Inaccurate Credit History Reporting To Whom It May Concern, I am writing to formally dispute and request an immediate correction to an inaccuracy in my credit report regarding the calculation of my average credit history length. 
According to my report dated XX/XX/XXXX, my average length of credit history is shown as XXXX years and XXXX months. However, this is incorrect. The report clearly lists my oldest open accountCapital Oneopened in XX/XX/XXXX, with an account age of XXXX  years and XXXX  months. 
This discrepancy indicates that my authorized user history and/or account age are not being accurately included in the calculation of my average credit history. As an authorized user on this long-standing XXXX XXXXXXXX account, the age of that account should be properly factored into the computation of my credit history length, as required under the Fair Credit Reporting Act ( FCRA ) for accuracy and completeness. 
Please conduct a full investigation and correct this inaccuracy on my file. I also request written confirmation once the correction has been made and a copy of my updated 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint and Request for Correction of Inaccurate Credit History Reporting To Whom It May Concern, I am writing to formally dispute and request an immediate correction to an inaccuracy in my credit report regarding the calculation of my average credit history length. 
According to my report dated XX/XX/XXXX, my average length of credit history is shown as XXXX years and XXXX months. However, this is incorrect. The report clearly lists my oldest open accountCapital Oneopened in XX/XX/XXXX, with an account age of XXXX  years and XXXX  months. 
This discrepancy indicates that my authorized user history and/or account age are not being accurately included in the calculation of my average credit history. As an authorized user on this long-standing XXXX XXXXXXXX account, the age of that account should be properly factored into the computation of my credit history length, as required under the Fair Credit Reporting Act ( FCRA ) for accuracy and completeness. 
Please conduct a full investigation and correct this inaccuracy on my file. I also request written confirmation once the correction has been made and a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief