vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/year> TransUnion XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> TransUnion Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am filing this complaint regarding how JPMCB Card Services is reporting a charged-off account to XXXX. The account has been marked as Charge-off every single month for more than 24 months. This is not only punitive and misleadingit is also a likely violation of the Fair Credit Reporting Act ( FCRA ). 

Legal Violations Involved : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know to be inaccurate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion or correction of information that is inaccurate or unverifiable.

15 U.S.C. 1692e The Fair Debt Collection Practices Act prohibits false or misleading representations, which includes implied re-aging of debt by monthly re-reporting charge-offs.

Repeated reporting of the same charge-off status violates industry guidance by re-aging delinquency and artificially depressing my credit score.

Additionally, the account is being reported as having a balance of {$800.00} on a {$500.00} credit limit, showing a 161 % utilization, which is incorrect and misleading since the account is closed and charged off. 

I Am Judgment-Proof and Uncollectible : I receive both Social Security XXXX Insurance ( XXXX  ) and Supplemental Security Income ( XXXX ). Under federal law, my income is 100 % exempt from garnishment or collection except in extremely limited cases ( e.g., child support, federal debts ). 

This means I am legally uncollectible, and the creditor has no viable legal avenue to recover funds. Continuing to damage my credit each month in this way, despite the account being charged off and uncollectible, serves no purpose but to cause undue harm and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A year ago I updated my phone numbers in my account. I got rid of my XXXX number I updated it to two numbers because the first number wouldnt receive texts when I called in. They CONTINUED to send it to the XXXX number after countless times of telling them no. So I added another number. That also doesnt work when I called to verify because they keep sending to the XXXX number. Ive spoken to numerous people and they dont know what to do. I now have fraud in my account and Im not able to access my account because of this. It is quite weird because I receive texts from Bank of America on both numbers when I need to receive a security code in the app just not on phone calls with Bank of America.

Ive asked to verify myself manually and they tell me no. Ive also asked to verify in the app they tell me no.

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 2025-07-25 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: NC

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 2025-07-25 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

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 2025-07-25 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: TX

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-25 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: MD

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C. \n1681c-2) that you, the Experian Credit Services , block information appearing on my\nconsumer credit report that is the result of identity theft and fraud within 4 business days of\nyou receiving this complaint. The following items do not belong to me and is a result of fraud\nthat I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report, except\nfor my only name and address listed below:\nName: XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX MD XXXX\nACCOUNTS:\nXXXX XXXX XXXX Account Number: XXXX, Date Opened: XXXX XXXX XXXX, Balance:\n$XXXX\nXXXX XXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX XXXX\nXXXX  Balance: $XXXXnXXXX XXXX XXXX XXXX  - Account Number: XXXX, Date Opened: XXXX XXXX, Balance:\nXXXX\nXXXX  - Account Number: XXXX, Date Opened: XXXX  Balance:\nXXXX XXXX XXXX\nXXXX XXXX Account Number: XXXX XXXX  Date Opened: XXXX Balance:\n$XXXX XXXX XXXX4\nXXXXXXXX   - Account Number: XXXX Date Opened: XXXX Balance: $XXXX\nXXXX XXXX\nINQUIRIES:\nXXXX XXXX  Date: XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TDN Acquisition Corporation
State: TX

Complaint narrative:
Between XXXX and XXXX of 2025, I experienced a breakdown in professional engagement and transparency with Tax Defense Network ( TDN ) while seeking resolution for a time-sensitive legal matter involving the IRS. 

Phase I Initial XXXX & XXXX XXXX XX/XX/year> : Initial contact with XXXX. A professional rapport was established ; service terms were clearly communicated. 

XXXX XX/XX/year> : Submitted required financial disclosures and bank statements. 

XXXX 2025 : XXXX promised a follow-up within XXXX weeks but never confirmed receipt or provided next steps. 

Phase XXXX Miscommunication & Erosion of Trust Early XXXX : Unexpectedly contacted by XXXX despite earlier assurance that XXXX was my case XXXX. She requested " financial documents. '' Following Call : I interpreted this as the XXXX XXXX and resent it with XXXX tracking. 

XXXX : Received a voicemail claiming financial forms were missingwithout clarification. 

XX/XX/year> : Multiple follow-ups to clarify documents received no response. 

Phase XXXX Emotional Collapse & Strategic Severance XX/XX/year> : I texted XXXX to voice my concerns about delays and lack of follow-through. His dismissiveness confirmed my loss of trust. 

XX/XX/year> : Revoked payment authorization, formally terminated service, and requested recovery of {$2000.00} in fees paid. 

Phase IV Post-Termination Collection Attempts XXXX XXXX XXXX : Despite clear termination, XXXX continued attempts to bill me via text, email, and follow-up messages. The final attempt occurred in early XXXX and unethical. 

Themes of XXXX XXXX changes without notice. 

Ambiguous document requests that caused confusion and redundancy. 

Promises to follow up never honored. 

Verbal commitments never confirmed in writing. 

Continued billing after termination, violating financial ethics and contract logic. 

On XX/XX/XXXX, a TDN representative, identified through text and email correspondence as XXXX XXXX, their Consumer Affairs XXXX ( name and title subject to confirmation ), responded to my formal written request for my full client file. In his email, he explicitly denied access to call logs and metadata, stating these materials were not required to be disclosed. However, he did not address my broader request for the complete case file, nor did he cite any company policy or legal basis for withholding additional documentation. This selective response leaves key questions unanswered. ( See Attachment A. ) My full timeline of communication history and service breakdown is included as Attachment XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX # XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Dispute and Cease Reporting Repeated, Unverified Collection Accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This is a formal dispute and cease and desist demand about repeated and unlawful credit reporting of the following collection accounts currently listed on my TransUnion report : XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} Opened XX/XX/XXXX These accounts have been previously disputed and continue to be reported without proper verification, in violation of federal law. I demand immediate removal of these entries due to : FCRA Violations by TransUnion and Furnishers : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item is not verified within 30 days, you must remove it. Continuing to report these accounts without conclusive validation is unlawful.

FCRA 15 U.S.C. 1681s-2 ( b ) Furnishers must conduct a reasonable investigation when notified of a dispute and remove any unverifiable data. Repeated reporting of these unverified accounts violates this law.

FCRA 15 U.S.C. 1681e ( b ) TransUnion handles keeping maximum accuracy. Allowing debt buyers with known compliance failures to continue reporting unsubstantiated data violates your duty of care.

CFPB Consent Orders : XXXX XXXX XXXX XXXX was found liable for repeated violations of federal consumer law, including inaccurate debt collection and credit reporting practices ( CFPB Consent Order No. XXXX ). 

XXXX XXXX XXXX and its affiliates have also been sanctioned for failing to properly confirm debts and for improperly reporting them to credit bureaus.

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 2025-07-25 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$47000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
My Honda Financial lease account was incorrectly reported as 30 days late for XX/XX/year>2025.

My lease matured on XX/XX/year>2025. 

On that same date, I purchased and paid off the vehicle in full at XXXX XXXX, as shown on the attached Buyers Order dated XX/XX/XXXX. 

The attached payoff statement confirms XX/XX/year>2025 as the lease maturity date. 

The dealership submitted the payoff to Honda Financial, which processed the payment on XX/XX/scrub> 2025, but this was the final lease buyout amount, not a past-due lease payment. 

Because of this processing delay, the account was incorrectly marked as 30 days delinquent. The account should be updated to show paid/closed on time with no 30-day late for XX/XX/year>2025. 

Attached Evidence : Buyers Order dated XX/XX/scrub> 2025 ( VIN visible ) Payoff statement showing XX/XX/scrub> 2025 maturity date Payment history showing XX/XX/XXXX payoff amount and prior payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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