vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
Equifax Reporting Unauthorized Credit Inquiries Without Consent ( FCRA 1681b Violation ) What happened : My Equifax credit report includes one or more unauthorized hard and soft inquiries that I did not initiate or consent to. Under the Fair Credit Reporting Act ( FCRA ) 1681b, a consumer reporting agency may only provide a consumer report for a permissible purpose, typically requiring my written authorization or application for credit. 

The inquiry listed below is especially concerning : Hard Inquiry XXXX  XXXX XXXX Operating XX/XX/year> In addition, my credit file includes frequent soft inquiries from companies I do not recognize or did not knowingly approve, including : Equifax Consumer Services Equifax XXXX XXXX Equifax Automated Commercial Review XXXX  Interactive XXXX XXXX These soft inquiries have appeared repeatedly, and I was not given the opportunity to opt in. Despite my past dispute efforts, Equifax has not provided any documentation showing I authorized these companies to access my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Please see attached I am writing to formally request your office 's assistance regarding serious and ongoing violations of federal consumer protection laws by multiple creditors and credit reporting agencies. These violations pertain to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s ), which protect consumers like myself from fraudulent and inaccurate credit reporting.

1. Violations of 15 U.S.C. 1692g Failure to Validate Debt The following accounts are being reported on my credit profile without proper debt validation, despite multiple requests. These are fraudulent or unverifiable and remain in violation of my rights : XXXX XXXX Account # : XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Date Opened : XX/XX/XXXX SAFE XXXX XXXX XXXX Account # : XXXX Balance : {$45000.00} Date Opened : XX/XX/XXXX These creditors have failed to comply with the validation requirements under 15 U.S.C. 1692g. I dispute the legitimacy of these debts and demand they be permanently deleted from all three credit reporting agencies : Experian, Equifax, and TransUnion.

2. Violations of 15 U.S.C. 1681s Inaccurate Reporting and Failure to Reinvestigate The following accounts have been repeatedly disputed due to inaccurate, outdated, or unverifiable information. The credit bureaus and furnishers have failed to conduct proper reinvestigations or delete these accounts as required under 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$5000.00} XXXX  XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$7000.00} XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$15000.00} These accounts are either beyond the legally permitted reporting timeframe or remain inaccurate and unverified. The continued furnishing of this data and its acceptance by the credit bureaus is causing measurable harm to my credit and overall financial standing.

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 2025-06-20 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250000.00}

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 2025-06-20 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250000.00}

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 non-monetary relief
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable info
rmation ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Complaint Regarding ATM Dispute with JPMorgan Chase Bank Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an unresolved dispute with JPMorgan Chase Bank involving two ATM transactions totaling $ XXXX for {$1000.00} and another for {$300.00}. 

On separate occasions, I attempted to withdraw funds using Chase ATMs. Both transactions failed due to what appeared to be a technical glitchthe machine never dispensed the cash, but the amounts were still deducted from my account. I immediately reported these incidents to Chase and filed a dispute. 

Despite repeated calls and follow-ups, I have not received a temporary credit while they investigate the issue. I was informed the investigation could take up to XXXX business days, but this delay is causing me significant hardship. I urgently need access to these funds to pay for my father 's hospital bills, as he has been very ill, and my family is depending on me during this difficult time. 

I asked Chase for a provisional credit, as is commonly provided during ATM error investigations, but they have failed to assist me in a timely and compassionate manner. It is extremely frustrating and distressing to be left in this situation with no financial support, especially when this delay is not due to any action on my part. 

I am requesting the CFPBs assistance in urging Chase to issue a temporary credit immediately while the investigation is pending, and to resolve this matter fairly and quickly. 

Thank you for your time and support. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
DEAR CFPB TEAM, Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report.

I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments : ID, SSN, PROOF OF ADDRESS, LETTER TO THE AGENCY. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : XXXX ] Date of Charge-Off : [ XX/XX/scrub>/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : XXXX ] Date of Charge-Off : [ XX/XX/scrub>/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request, which was delivered and signed for on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were legally obligated to cease all collection efforts and provide verification of the debtincluding a signed agreement, detailed balance breakdown, and legal assignment documentation.

To date, National Credit Adjusters has failed to provide any response. Their continued failure to validate the debt violates FDCPA 1692g ( b ) and also raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) if they are reporting unverifiable data to the credit bureaus. I am now filing this complaint due to their noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XX/XX/year>

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 2025-06-20 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: VA

Complaint narrative:
I am filling to formally dispute and request the immediate removal of the following items and charges, as I am a victim of identity theft. I did not open these items, authorize these transactions, or receive any money, goods, or services from them. These items were fraudulently created or used without my knowledge or consent. I have no connection or affiliation with them, and they should not be associated with my credit report or personal information in any way. 

The fraudulent items are as follows : XXXX XXXX XXXX BALANCED {$620.00}. 
XXXX XXXX XXXX BALANCED {$1400.00}. 
XXXX XXXX XXXX BALANCED {$730.00}. 
XXXX XXXX XXXX BALANCED {$3000.00}. 
XXXX XXXX XXXX BALANCED {$610.00}. 
XXXX XXXX XXXX BALANCED {$1100.00}. 
XXXX  XX/XX/2023.

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 2025-06-20 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: CA

Complaint narrative:
Im reaching out because there are accounts showing up on my Trans Union credit report that I did not open. I believe Ive been a victim of identity theft, and Im asking that these accounts be blocked from my credit file under the Fair Credit Reporting Act, Section 605B. Here are the accounts that dont belong to me : XXXX XXXX XXXX XXXX XXXX [ To support my request, Ive included the following documents : A copy of my Identity Theft Report filed with the FTC My government-issued ID and Social Security number A document showing my current address Everything you need to verify my identity and this dispute is included. Im handling this on my own and not working with any credit repair service or third party. Im fully aware of what Im submitting, and Im asking you to block these fraudulent accounts from my report as required by law. Thank you for taking this seriously and helping me clear this up. Also I found fraudulent inquiry. The fraudulent inquiry is XXXX XXXX from XXXX. Please, remove it.The following fraudulent account and inquiry were initiated without my knowledge or authorization.Also my address in credit report is incorrect. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. Please fix it in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief