vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX is reporting a Chapter XXXX bankruptcy and distributing personal identifying information without my verified consent. I was not given the opportunity to opt out, dispute, or validate any information under TILA 15 USC 1666 or FCRA 15 USC 1681b. The bankruptcy was filed under duress and should not have been published or furnished. XXXX did not validate identity, accuracy, or authorization before publishing these records. The court itself states it does not verify this data for credit reporting purposes. XXXX is acting as a furnisher under FCRA 1681s-2 but failed to meet its legal duties. This public record is now causing ongoing damage and must be removed. I am including my FTC Identity Theft Report and government-issued ID as required under FCRA 1681c-2. XXXX has no lawful basis to report or maintain this data.

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 2025-06-05 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Harmful Reporting by XXXX XXXX XXXXXXXX in Violation of Federal Consumer Laws To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX regarding a closed account that continues to be inaccurately reported on my credit reports, generating serious inconsistencies, confusion, and harm to my creditworthiness. 

What Is Happening : The account in question shows as closed but still reflects multiple late payments on my XXXX credit report. 

The late payments are dated after the accounts closure, which raises questions about the accuracy and integrity of the information furnished. 

The account is not reported at all on XXXX and Equifax shows a different number of delinquencies, creating further inconsistencies. 

I have disputed this account multiple times and have not received proper validation, documentation, or evidence supporting the reported delinquencies. 

The current reporting contradicts the actual payment and closure history, and continues to damage my ability to access fair credit opportunities. 

Laws Being Violated : Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681s-2, 1681i ) : Furnishers must report only accurate and verifiable information. 

CRAs must conduct reasonable reinvestigations upon dispute. 

No such reinvestigation has been properly documented or disclosed. 

Truth in Lending Act ( TILA ) : The reporting of late payments post-closure misrepresents the status and terms of the account.

This impacts transparency and the proper disclosure of my credit history to other lenders.

Equal Credit Opportunity Act ( ECOA ) : The incorrect and damaging information has the potential to cause unjust credit denials or more expensive terms, which constitutes unequal treatment under the law. 

Gramm-Leach-Bliley Act ( GLBA ) : The inaccurate handling and dissemination of my financial data suggests failure in maintaining data integrity and protecting consumer information as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a formal rebuttal to the XX/XX/year> response submitted by XXXX XXXX XXXX XXXX XXXX regarding CFPB Case No. XXXX for XXXXXXXX XXXX XXXX. XXXX. As the consumer named in this complaint, I respectfully object to several assertions made in XXXX 's response and assert that XXXX has not fully complied with its obligations under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681n. 
First, XXXX has failed to acknowledge or respond to my final letter dated XX/XX/year>, submitted pursuant to 15 U.S.C. 1681n. This notice formally notified XXXX of continued reporting of inaccurate and unverifiable information to the credit bureaus despite my prior disputes. This lack of response represents a failure to investigate and correct inaccurate data under FCRA 611 and a disregard of their duties under 1681n, which may entitle me to statutory damages and other remedies under federal law. 
Additionally, XXXX statement that a signed contract or documentation is not required for revolving accounts is not a valid defense for the failure to produce legal proof of ownership, chain of assignment, or an account-level sale record with identifying information. Generic bills of sale or screenshots do not satisfy legal standards of validation under 15 U.S.C. 1692g or case law requiring competent evidence of the debts origin and ownership. 
Further, publicly available SEC filings from XXXX XXXX, such as Form XXXX and the XXXX Credit Card XXXX XXXX XXXX XXXX that XXXX securitizes XXXX receivables through trusts, transferring beneficial interest to investors. This raises critical questions about ownership, standing, and the validity of debt assignments. If the debt was securitized, XXXX XXXX no longer retain enforceable ownership rights, and any third-party collector must prove lawful authority and ownership through a direct and complete assignment chain.

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 2025-06-05 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: FL

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-05 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: LA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. 
XXXX ( a ) ), I request immediate blocking and deletion within XXXX  days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Per the attached Certified letter and Certified mailing receipt, in violation of FCRA, Experian has failed to remove incorrect/old addresses from my credit report since my XX/XX/2024 request - over a year ago.

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 2025-06-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$50.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$50.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
incorrect personal information and unauthorized inquiries found on my credit report : Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX, tx XXXX XXXXXXXX XXXX XXXX XXXXXXXX, tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
incorrect personal information and unauthorized inquiries found on my credit report : Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX, tx XXXX XXXXXXXX XXXX XXXX XXXXXXXX, tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, pleas provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I called chime to see why they closed my account and to see about getting my money back and they told me that they cant issue a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, I deposited XXXX checks into my Chase bank account, in the amounts of {$20000.00} and {$33000.00}, respectivelytotaling {$53000.00}. Both checks were issued by my aunt and deposited in person at a Chase branch in XXXX XXXX, XXXX. 

As of todaymore than XXXX months laterthe funds have still not been credited to my account. I contacted XXXX multiple times and was told the checks were placed on hold because the bank was unable to reach the issuer. 

In XXXX and XXXX, I provided updated contact information for the check issuer and personally facilitated XXXX phone calls between her and the bank. Despite my full cooperation, XXXX has not provided a written explanation for the delay or any documentation regarding the checks. There has also been no clear indication of what steps I or the bank need to take to resolve the issue. 

This unresolved matter has caused a significant disruption to my financial planning. I believe Chase has failed to follow transparent and timely procedures in handling this case, even after receiving the necessary information.

I am requesting that the CFPB assist in obtaining from Chase : A written explanation for why the checks were rejected or placed on hold ; Copies ( front and back ) of both checks ; Any internal memos or investigation records related to the checks ; A clear resolution timeline or instructions on how to restart the deposit process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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