vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have informed Equifax to remove incorrect information from my credit report that was previously reported and removed and they had me send my personal information to them which I have already done twice once by XXXX XXXX XXXX in XX/XX/XXXX and again by certified mail with insurance in XX/XX/XXXX and the company claims to never received my information after I verified the verification from the postal service that my certified mail was received by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts 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 AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My ex wife had all my personal information hence she uses my information for opening up credit cards ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX collection account inaccurately reported to Experian. Despite multiple attempts to dispute the validity of this account, both XXXX and Experian have failed to provide adequate documentation to support their claims. 

This issue was previously submitted under CFPB Complaint # XXXX. This is now my third formal attempt to resolve this matter through the CFPB. 

After disputing the account with Experian via the CFPB, Experian responded stating that the information was verified by the data furnisher, XXXX. However, no documentation was provided to support this verification. XXXX, as the furnisher, failed to supply evidence or documentation verifying the account. Specifically, there was no information about : Who conducted the investigation How the investigation was performed What documents were reviewed during the investigation Despite this lack of transparency, Experian confirmed the account as verified without disclosing how the investigation was conducted or what evidence was reviewed. Furthermore, Experian updated and shared this unverifiable information with two other credit reporting agencies, further reinforcing this inaccurate account on my credit report. 

On XX/XX/year>, XXXX sent a letter claiming to validate the debt. However, this letter fails to provide actual validation, lacking : A signed contract or agreement Proof of service activation or usage Billing or payment history Simply stating that I owe a balance, without providing any underlying documentation, does not meet the standards for debt verification under the Fair Credit Reporting Act ( FCRA ). 

I have attached all relevant documentation from XXXX related to this claim. 

In conclusion, Experian failed to conduct a reasonable investigation as required by the FCRA, and XXXX has not met the legal requirements for validating the debt. I request that this inaccurate account be thoroughly investigated and removed from my credit report if verification can not be provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
Subject : Illegal Reporting of a Closed Charge-Off Account as Open Violation of the FCRA by TransUnion Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against TransUnion for reporting false and inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Case : Creditor : XXXX XXXX XXXX Account Type : Auto Loan Correct Account Status : Charge-Off / Profit & Loss Write-Off Account closed since 2019 Incorrect Reporting by TransUnion : The account XXXX falsely reported as open. 
TransUnion continues to report late payments month after month, even after the account was closed and charged-off, which is illegal. 

Clear Violations of the FCRA : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

2. FCRA 1681c ( a ) ( 4 ) and ( a ) ( 5 ) : Closed accounts can not continue to be reported as open, nor can late payments be reported after the account has been closed or charged-off.

3. FCRA 1681i ( a ) ( 5 ) : If a furnisher or credit bureau can not verify the accuracy of the account, it must be deleted from the credit report.

I am formally requesting the following : That TransUnion immediately cease reporting this account as open and remove all late payments reported after the account was closed in 2019.

That TransUnion permanently delete this account from my credit report, as they are reporting false, unverifiable, and inaccurate information, in clear violation of the FCRA.

That the CFPB take enforcement action and sanctions against TransUnion for these repeated and harmful violations of the FCRA.

That I receive a written response detailing the resolution of this complaint.

Impact on My Credit : This inaccurate reporting has severely harmed my credit profile, limiting my access to fair credit opportunities and causing financial hardship.

I trust that the CFPB will act swiftly to protect my rights under the FCRA and ensure this matter is resolved. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inquiries that were made without my consent. I kindly request that the following are unauthorized inquires to be removed from my credit report to ensure the accuracy of my credit information. 

XXXX ( finance ) XXXX XXXX XXXX/XXXX  ( finance ) XX/XX/XXXX XXXX XXXX ( miscellaneous ) XX/XX/XXXX XXXX XXXX ( miscellaneous ) XX/XX/XXXX XXXX XXXX ( miscellaneous ) XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inquiries that were made without my consent. I kindly request that the following are unauthorized inquires to be removed from my credit report to ensure the accuracy of my credit information. 

XXXX ( finance ) XXXX XXXX XXXX/XXXX  ( finance ) XX/XX/XXXX XXXX XXXX ( miscellaneous ) XX/XX/XXXX XXXX XXXX ( miscellaneous ) XX/XX/XXXX XXXX XXXX ( miscellaneous ) XXXX XXXX XXXX ( finance ) XX/XX/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 2025-05-28 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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 filing this complaint to dispute multiple inaccurate accounts being reported on my Equifax credit report. My personal information was exposed in a known data breach, and I am concerned that some of the accounts below may have been misreported, altered, or mishandled due to compromised data. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i ( a ), Equifax is required to ensure maximum possible accuracy of information and remove unverifiable or erroneous items. 

I am requesting the investigation and permanent deletion or correction of the following accounts, which are inaccurately reported or contain misleading remarks : XXXX - XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | Closed : XX/XX/XXXXXXXX XXXX  Opened XXXX XX/XX/XXXX | Closed : XX/XX/XXXX XXXX/XXXX  Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXX  ( Charge Account ) Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXX XXXX  XXXX  Opened XXXX XX/XX/XXXX | Closed : XX/XX/XXXX These remarks do not reflect my payment history, some accounts were never delinquent, and several carry misleading bankruptcy-related notes that can not be validated. I have not authorized Equifax to report these derogatory items, and I am exercising my right under XXXX and FCRA to request : Full reinvestigation of each account Removal of Included in Bankruptcy, Consumer disputes, or other derogatory remarks that can not be verified A corrected copy of my credit report upon resolution. 

I have attached a copy of my government-issued ID, proof of address, Please respond within XXXX  days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Recently, I discovered that several items on my credit reports remain inaccurate and unresolved despite my repeated disputes. One major issue involves an accountwhich has already been paid off completely and currently shows a XXXX balancethat continues to be reported incorrectly by XXXX XXXX XXXX XXXX. 

Several years ago, my ex-partner stole one of my credit cards and made unauthorized transactions. In a court decision, it was determined that I was not liable for any damages related to those unauthorized charges, and I have never been charged or held responsible for them. Despite this judgment, I now see that a car repair charge has been added to my credit file. I am still trying to understand how my information was used by a car repair service : it appears that my vehicle was authorized to pay for repairs on a car that is not registered in my name or under my control. Moreover, XXXX XXXX XXXX XXXX subsequently reversed the money as if I had an outstanding balanceeven though the account was paid offcausing severe damage to my credit. 

Between XXXX and XX/XX/year>, I sent dispute letters along with all supporting documentation ( including copies of my credit reports, statements of the court judgment regarding the unauthorized transactions, and evidence showing that the account was paid in full ) to XXXX XXXX and the XXXX major credit bureaus. Unfortunately, the responses have been vague ; most have not verified my claims or explained the investigation process in accordance with the Fair Credit Reporting Act ( FCRA ). Instead, the disputed items remain on my credit files, and the inaccurate information continues to have a detrimental effect on my credit score and financial opportunities.

I am now requesting that the companies involved immediately correct these errors. In particular, I demand that the verified XXXX payment balance and the resolution regarding the unauthorized transactions be reflected accurately in my credit files and that any and all charges, including those related to the misapplied car repair bill, be removed. I also request a clear, written explanation of the method of verification used, as required by federal law. 

Thank you for reviewing my complaint. I expect prompt action, and if the inaccuracies are not corrected, I will pursue further remedies through the CFPB and, if necessary, federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I discovered that several items on my credit reports remain inaccurate and unresolved despite my repeated disputes. One major issue involves an accountwhich has already been paid off completely and currently shows a XXXX balancethat continues to be reported incorrectly by XXXX XXXX XXXX XXXX. 

Several years ago, my ex-partner stole XXXX of my credit cards and made unauthorized transactions. In a court decision, it was determined that I was not liable for any damages related to those unauthorized charges, and I have never been charged or held responsible for them. Despite this judgment, I now see that a car repair charge has been added to my credit file. I am still trying to understand how my information was used by a car repair service : it appears that my vehicle was authorized to pay for repairs on a car that is not registered in my name or under my control. Moreover, XXXX XXXX XXXX XXXX subsequently reversed the money as if I had an outstanding balanceeven though the account was paid offcausing severe damage to my credit. 

Between XXXX and XX/XX/year>, I sent dispute letters along with all supporting documentation ( including copies of my credit reports, statements of the court judgment regarding the unauthorized transactions, and evidence showing that the account was paid in full ) to XXXX XXXX and the XXXX major credit bureaus. Unfortunately, the responses have been vague ; most have not verified my claims or explained the investigation process in accordance with the Fair Credit Reporting Act ( FCRA ). Instead, the disputed items remain on my credit files, and the inaccurate information continues to have a detrimental effect on my credit score and financial opportunities. 

I am now requesting that the companies involved immediately correct these errors. In particular, I demand that the verified XXXX payment balance and the resolution regarding the unauthorized transactions be reflected accurately in my credit files and that any and all charges, including those related to the misapplied car repair bill, be removed. I also request a clear, written explanation of the method of verification used, as required by federal law. 

Thank you for reviewing my complaint. I expect prompt action, and if the inaccuracies are not corrected, I will pursue further remedies through the CFPB and, if necessary, federal court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Recently, I discovered that several items on my credit reports remain inaccurate and unresolved despite my repeated disputes. One major issue involves an accountwhich has already been paid off completely and currently shows a XXXX balancethat continues to be reported incorrectly by XXXX XXXX XXXX XXXX. 

Several years ago, my ex-partner stole one of my credit cards and made unauthorized transactions. In a court decision, it was determined that I was not liable for any damages related to those unauthorized charges, and I have never been charged or held responsible for them. Despite this judgment, I now see that a car repair charge has been added to my credit file. I am still trying to understand how my information was used by a car repair service : it appears that my vehicle was authorized to pay for repairs on a car that is not registered in my name or under my control. Moreover, XXXX XXXX XXXX XXXX subsequently reversed the money as if I had an outstanding balanceeven though the account was paid offcausing severe damage to my credit. 

Between XXXX and XX/XX/2025, I sent dispute letters along with all supporting documentation ( including copies of my credit reports, statements of the court judgment regarding the unauthorized transactions, and evidence showing that the account was paid in full ) to XXXX XXXX and the three major credit bureaus. Unfortunately, the responses have been vague ; most have not verified my claims or explained the investigation process in accordance with the Fair Credit Reporting Act ( FCRA ). Instead, the disputed items remain on my credit files, and the inaccurate information continues to have a detrimental effect on my XXXX XXXX and financial opportunities. 

I am now requesting that the companies involved immediately correct these errors. In particular, I demand that the verified XXXX payment balance and the resolution regarding the unauthorized transactions be reflected accurately in my credit files and that any and all charges, including those related to the misapplied car repair bill, be removed. I also request a clear, written explanation of the method of verification used, as required by federal law. 

Thank you for reviewing my complaint. I expect prompt action, and if the inaccuracies are not corrected, I will pursue further remedies through the CFPB and, if necessary, federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding inaccuracies in my credit report related to my account with XXXX XXXX. I opened this account on XX/XX/XXXX, and I have made regular payments ; however, these payments have not been accurately reported to the credit bureaus ( Equifax, TransUnion, and Experian ). 

Despite my efforts to ensure timely payments, the majority of my payment history has not been reflected in my credit reports. It is crucial for me to have an accurate credit report, as it affects my financial opportunities I have attached relevant documentation, including my account details and payment history from all three credit bureaus, which demonstrate the lack of reporting from XXXX XXXX. I request that my payment history for the years XXXX and XXXX be accurately reported as soon as possible. 

This situation is extremely concerning and unacceptable. I appreciate your attention to this matter and look forward to your prompt response.Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I reviewed my report as I normally do, but this time I found unexpected inconsistencies. I even refreshed my browser thinking it might be a temporary error, but the accounts remained. Due to this issue, I kindly ask that you carefully review the documents Ive provided so that I wont have to deal with this concern again.

Company response to consumer: Closed with non-monetary relief