vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
I am submitting this complaint to formally dispute a charge-off account that has been mistakenly reported on my credit file. The charge-off account in question is reported as being from XXXX XXXX XXXXXXXX XXXX showing a balance of {$0.00}. However, I have no knowledge of this account, nor have I ever applied for or authorized any credit with XXXX XXXX XXXXXXXX. This inaccurate reporting has negatively impacted my credit score, and I am requesting that the matter be thoroughly investigated and the charge-off removed from my credit report. 
I have no knowledge of this account, nor have I applied for or authorized any credit with XXXX XXXX XXXXXXXX. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), all information reported on my credit file must be accurate and verifiable. As such, I am requesting that an immediate investigation be initiated in accordance with FCRA 611, and that this incorrect charge-off be promptly removed from my credit report. 
The following inquiries were listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have never applied for credit with these entities, and I firmly believe that these inquiries do not reflect my financial activity. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), all information reported on my credit file must be accurate and verifiable. As such, I am requesting that an immediate investigation be initiated in accordance with FCRA 611, and that these incorrect inquiries be promptly removed from my credit report.FCRA 611 mandates that disputes of this nature must be investigated within 30 days, and I request that this investigation be expedited, as it is critical for my financial well-being. The presence of this erroneous charge-off has significantly harmed my credit score and my ability to secure essential financial services, which may constitute a violation of my consumer rights. Furthermore, under FCRA 623 ( a ) ( 2 ), the furnishers of this ch
arge-off have a duty to ensure the accuracy of the information they report to the credit bureaus. Given that this account does not belong to me, I respectfully request that all relevant parties investigate and update their records to reflect the truth.

Finally, under FCRA 602 ( a ), it is the intent of the law to promote fair and accurate credit reporting. As this charge-off is inaccurate and potentially fraudulent, I urge you to expedite the removal process in accordance with these guidelines to remove my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
I am submitting this complaint to formally dispute a charge-off account that has been mistakenly reported on my credit file. The charge-off account in question is reported as being from XXXX XXXX XXXXXXXX XXXX showing a balance of {$0.00}. However, I have no knowledge of this account, nor have I ever applied for or authorized any credit with XXXX XXXX XXXXXXXX. This inaccurate reporting has negatively impacted my credit score, and I am requesting that the matter be thoroughly investigated and the charge-off removed from my credit report. 
I have no knowledge of this account, nor have I applied for or authorized any credit with XXXX XXXX XXXXXXXX. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), all information reported on my credit file must be accurate and verifiable. As such, I am requesting that an immediate investigation be initiated in accordance with FCRA 611, and that this incorrect charge-off be promptly removed from my credit report. 
The following inquiries were listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have never applied for credit with these entities, and I firmly believe that these inquiries do not reflect my financial activity. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), all information reported on my credit file must be accurate and verifiable. As such, I am requesting that an immediate investigation be initiated in accordance with FCRA 611, and that these incorrect inquiries be promptly removed from my credit report.FCRA 611 mandates that disputes of this nature must be investigated within 30 days, and I request that this investigation be expedited, as it is critical for my financial well-being. The presence of this erroneous charge-off has significantly harmed my credit score and my ability to secure essential financial services, which may constitute a violation of my consumer rights. Furthermore, under FCRA 623 ( a ) ( 2 ), the furnishers of this ch
arge-off have a duty to ensure the accuracy of the information they report to the credit bureaus. Given that this account does not belong to me, I respectfully request that all relevant parties investigate and update their records to reflect the truth.

Finally, under FCRA 602 ( a ), it is the intent of the law to promote fair and accurate credit reporting. As this charge-off is inaccurate and potentially fraudulent, I urge you to expedite the removal process in accordance with these guidelines to remove my credit 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 2025-11-12 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. According to my most recent credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I am requesting that you investigate this matter, contact the furnisher of this information, and correct the late payment entry from my credit file immediately. 
Please provide me with written confirmation of your investigation results and the actions taken. If the creditor can not substantiate the reported late payment with verifiable evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

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 XXXX 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 2025-11-12 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: GA

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$7100.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Balance : {$7100.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX  - Balance : {$510.00} - Date Opened : 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Im filing a complaint against Avant for inaccurately reporting my loan as being 30 days late for three consecutive months. These reports are false.

I made my payments within the required timeframe each month, and Avant even changed my due date and lowered my payment during that period, which confirms they were aware of my account being active and not delinquent. 

Despite this, Avant continues to report me as late to the credit bureaus, which has damaged my credit score. I have spoken with their customer service, and was told by agents that my account was not in jeopardy, and that theres no payment arrangements they can do, but yet they have not corrected the issue or provided documentation to justify the negative reporting. 

Im requesting that CFPB investigate Avants reporting practices and require them to remove or correct the false late payment entries on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am Submitting this complaints to formally dispute an inaccurate item that is currently listed on my credit report. The information pertains to an account with XXXX XXXX XXXX ( account number partially masked ), which shows a balance owed of {$0.00} but is marked as Late Closed. 
I would like to bring to your attention that this account should not be reported in this manner, as it no longer reflects the true status of the debt. According to the Fair Credit Reporting Act ( FCRA ), all information reported on a consumer 's credit report must be accurate and complete, and failure to ensure this accuracy can be a violation of consumer rights ( 15 U.S.C. 1681e ( b ) ). 
Under 15 U.S.C. 1681i ( a ), consumers have the right to dispute any information they believe to be inaccurate or incomplete, and the credit reporting agency is legally obligated to conduct a reasonable investigation of the disputed information. In this instance, I am disputing the inaccurate status of the XXXX XXXX XXXXXXXX account, which inaccurately reflects a balance owed of {$0.00} while being marked as " Late Closed. '' It is essential that the information accurately reflect the true and up-to-date status of the account. 
Furthermore, 15 U.S.C. 1681c mandates that obsolete or incorrect information must be remove after a reasonable period, and an account that is no longer active or has been resolved must be accurately reported or removed entirely. In this case, the reporting of a " Late Closed '' status does not comply with the requirements of accurate and timely reporting as outlined by the FCRA.

Additionally, according to 15 U.S.C. 1681a, the definition of " consumer report '' includes any information about a persons credit history that is used to evaluate creditworthiness. Therefore, I am requesting that this inaccurate information be remove immediately to reflect the true status of the account, as it is essential to my overall credit standing. 
As stated in 15 U.S.C. 1681b, any information that is inaccurate or incomplete must not be relied upon for any credit evaluation until it is remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: TN

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 XXXX 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 2025-11-12 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: GA

Complaint narrative:
I am submitting to formally dispute inaccurate and potentially unverifiable information being reported on my credit file for the accounts listed below. After carefully reviewing my credit report and personal records, I have determined that the information being reported does not accurately reflect my payment history or account status. I respectfully request that these accounts be corrected and updated to display verified, accurate, and complete information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ {$14000.00} This dispute is being submitted in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require both consumer reporting agencies and furnishers of information to ensure maximum possible accuracy of all reported data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Team, I am writing to request an escalation of my unresolved disputes with Chase Bank concerning payments made to XXXX XXXX through XXXX for undelivered services. 

Chase has rejected my disputes without providing a reasonable explanation, despite clear evidence showing that XXXX XXXX failed to deliver the contracted mobile app project. I have made multiple attempts to resolve this issue directly with both Chase and the merchant but have not received any satisfactory outcome. 

My open cases : CFPB Claim ( XXXX XXXX ) : XXXX CFPB Claim ( Chase ) : XXXX Chase rejected my disputes as of XX/XX/year> : XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXXXXXX {$1400.00} Both transactions were related to the mobile app development project, which remains undelivered. I respectfully request the CFPBs assistance in reviewing this matter and escalating the dispute for proper investigation and resolution. 

Thank you for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

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 XXXX 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 2025-11-12 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: SC

Complaint narrative:
I am submitting to formally dispute inaccurate information on my credit report that I believe to be erroneous and need to be corrected immediately. After reviewing my credit file, I have identified several discrepancies, including inaccurate addresses, charge-off accounts, collections, and inquiries that require your urgent attention. 
XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Legal References : FCRA 611 ( 15 U.S.C 618i ) : Under this section, I have the right to dispute any inaccurate information on my credit report. I am requesting that the inaccuracies mentioned above be investigated, and that corrections be made.

FCRA 623 ( a ) ( 2 ) : As a furnisher of information, you are required to correct and update any inaccurate or incomplete information. I ask that you verify and update the charge-offs and collections listed above to reflect the correct information.

FCRA 623 ( b ) : The furnisher 's duty to investigate any dispute is outlined in this section. I ask that the furnishers of these accounts investigate the discrepancies and provide the necessary updates to my credit file.

FCRA 602 : This section emphasizes the importance of maintaining a fair and accurate credit reporting system. As a consumer, I rely on the accuracy of my credit report, and I am requesting that the inaccurate information be corrected promptly.

Company response to consumer: Closed with non-monetary relief