vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
In XXXX, I purchased a one-time accounting service from XXXX Accountant for {$1800.00}, with a verbally agreed $ XXXX account access fee. I never signed a contract or agreed in writing to any annual or large recurring charges. 

In XXXX and XXXX, XXXX Accountant debited my account over {$2000.00} each year on top of the $ XXXX/month without my knowledge or consent. These large debits were never disclosed to me, never emailed as invoices or receipts, and I received no services during those years. The merchants own portal shows no invoices for these charges, and on XX/XX/XXXX, their staff confirmed in writing that I had no active services with them. 

On XX/XX/XXXX, Chases own fraud system flagged the {$2000.00} charge from XXXX Accountant as suspicious before it posted, yet the charge still went through. A few days later, the merchant charged an additional {$460.00}, also without authorization or invoice. 

I contacted Chase in XX/XX/XXXX to dispute these unauthorized transactions. Chase refused to investigate, stating they were outside of the 2-year window, despite my providing clear written proof that the charges were unauthorized and concealed. I requested any documentation showing my authorization for these charges ; Chase did not provide any. 

I am requesting that Chase reopen this case, investigate these transactions as fraud/unauthorized debits, and provide a full refund for the XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} charge and the XX/XX/XXXX {$460.00} charge. I have a full evidence packet available including : -Original XXXX One-Time invoice XXXX invoice unilaterally changed to Yearly without consent -Merchant admission of no active services in XX/XX/XXXX -Missing invoices for XXXX XXXX charges -Chases fraud alert email for the XX/XX/XXXX transaction This is not a service dispute, it is unauthorized use of my payment information, which was obtained under false pretenses and used to process debits I never approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar credit union has improperly and illegally accessed my credit file numerous times without signed consent or an application for credit with my signature. They accessed my credit file without my knowledge or consent. Here are the dates on my credit file they have accessed my account without my knowledge or consent. Below is copied and pasted from my Transunion credit file directly. They continue to access my file and refuse to stop the process. Please ensure all activity cease and desist immediately! 

VYSTAR CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 2025-08-13 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: TX

Complaint narrative:
I am a victim of identity theft as a result of the XXXX  XXXX  data breach. My personal information was compromised, and multiple accounts were fraudulently opened in my name. I formally disputed these accounts with [ XXXX  XXXX XXXX  XXXX TransUnion ] under FCRA 605B and 611, requesting deletion unless original signed applications, complete payment histories, and IP address records could be produced. The bureau marked these accounts as verified without providing the legally required Method of Verification under 611 ( a ) ( 6 ) ( B ) ( iii ). This is a violation of my rights under the FCRA. Accounts in question : MFC Acct XXXX XXXXXXXX Repossession XXXX  XXXX Bank Acct XXXX XXXXXXXX Charge-off XXXX  Acct XXXX XXXXXXXX Charge-off XXXX XXXX Acct XXXX XXXXXXXX Charge-off XXXX XXXX Acct XXXX XXXXXXXX ( all three entries ) XXXX XXXX XXXX Systems Acct XXXX XXXX Collection XXXX XXXX XXXX Acct XXXX XXXXXXXX Collection XXXX XXXX XXXX Acct XXXX XXXXXXXX Collection These items are affecting me tremendously and deformation of character

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 2025-08-13 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX  - XXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXXXXXX BANK - XXXX - Account not mine XXXX  XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX  - XXXX XXXX Account not mine XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
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  credit report on XX/XX/year>, 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 information ( 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 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-08-13 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: OH

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint against Experian for failing to update my credit report after both I and my creditor provided proof of the correct account balance.

Timeline of Events : XX/XX/year> I filed a dispute with Experian regarding an inaccurate credit card balance that was still reporting a much higher amount than my current balance. 
XX/XX/year> I contacted my creditor directly and requested a mid-cycle update or rapid rescore. The creditor confirmed they submitted the updated balance to all three credit bureaus, including Experian, on [ Insert Date ]. 
XX/XX/year> My XXXX  and XXXX  reports updated with the correct balance, but Experian has not. 
I contacted Experian by phone on XX/XX/year> and XX/XX/year>, and was informed that the dispute team does not work weekends and to call back. I have called again since then, but the account remains inaccurate. 

Proof of Creditor Submission : Attached is documentation from my creditor confirming the updated balance and that they transmitted it to Experian. 
Attached are screenshots from my other two credit reports showing the correct balance has already been posted.

Impact on Me : This inaccuracy is lowering my Experian credit score and could negatively impact my ability to apply for credit, loans, or other financial products. The balance in question is materially lower than what Experian continues to report. 

Attachments : 1. Proof of creditors confirmation and date of submission. 
2. Screenshots of updated XXXX  and XXXX  reports. 
3. Screenshot of Experian report still showing the outdated balance. 

Thank you for your 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 explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-13 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:
My credit reports from Experian, Equifax, and TransUnion contain multiple accounts and inquiries that are inaccurate, incomplete, and unverifiable. These items are being reported in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation after a dispute ).

I previously submitted written disputes identifying each error and provided supporting documentation. The disputed items include, but are not limited to : incorrect account statuses, inconsistent Date Opened and Date of First Delinquency entries, balances that do not match original creditor records, and tradelines reporting payment histories that contradict their own monthly status fields. Several of these items violate Metro 2 reporting standards by misaligning payment rating codes with account status, failing to freeze delinquency dates after charge-off, and carrying forward obsolete late payments outside allowable reporting periods.

Despite my disputes, the credit bureaus verified these accounts without supplying any evidence or a proper Method of Verification. They have not identified the furnisher contacts, the documents reviewed, or the specific procedures used to determine accuracy. This parroting of furnisher data, without independent verification, does not meet the reasonable investigation standard required by law. 

These reporting errors are not minor ; they are materially damaging my creditworthiness by lowering my scores, increasing my risk profile, and restricting my access to credit, housing, and other essential opportunities. Additionally, hard inquiries remain on my reports for creditors with whom I have no active accounts or valid credit applications, suggesting a lack of permissible purpose under 15 U.S.C. 1681b.

I am demanding immediate, permanent deletion of all inaccurate and unverifiable accounts and inquiries from my reports, a written explanation of the verification process for any remaining items, and full compliance with all FCRA and Metro 2 requirements going forward.

Company response to consumer: Closed with non-monetary relief