vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and
using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and
using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 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: OH

Complaint narrative:
On or about XX/XX/year>, I submitted a formal dispute requesting verification and validation of a XXXX collection account being reported on my credit file. I requested documentation proving I authorized the account, including a signed contract, billing statements, itemized charges, and proof that I received service. The company did not provide any documentation or validation as required by the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i and 1692g ).

Instead of resolving the issue, the company reinserted or continued reporting the negative account with all three credit bureaus without providing me with a written notice of reinsertion within XXXX business days, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion or continued reporting was done without proper validation or permissible purpose. 

This negative item has caused substantial harm to my credit profile, resulting in a lower credit score and denials for credit and financing. The company has failed to comply with their legal obligations to properly investigate my dispute, provide verification, or cease reporting unverifiable information. 

I am requesting that this account be immediately removed from all consumer reporting agencies for failure to validate the alleged debt and for unlawfully re-reporting the item without proper notice, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
On or about XX/XX/year>, I submitted a formal dispute requesting verification and validation of a XXXX collection account being reported on my credit file. I requested documentation proving I authorized the account, including a signed contract, billing statements, itemized charges, and proof that I received service. The company did not provide any documentation or validation as required by the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i and 1692g ).

Instead of resolving the issue, the company reinserted or continued reporting the negative account with all three credit bureaus without providing me with a written notice of reinsertion within XXXX business days, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion or continued reporting was done without proper validation or permissible purpose. 

This negative item has caused substantial harm to my credit profile, resulting in a lower credit score and denials for credit and financing. The company has failed to comply with their legal obligations to properly investigate my dispute, provide verification, or cease reporting unverifiable information. 

I am requesting that this account be immediately removed from all consumer reporting agencies for failure to validate the alleged debt and for unlawfully re-reporting the item without proper notice, as required by federal 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 2025-10-23 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: CA

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 TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES 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/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 explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my credit report to this complaint on the following dates. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, account number Account number XXXX XXXX now requesting you investigate and provide verified proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-10-23 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company 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 2025-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, Bank of America withdrew {$700.00} from my current checking account without my authorization or prior notice. When I contacted customer service, I was informed that the withdrawal was applied to an old, closed account I previously held with Bank of America. 
This transaction was not authorized by me and caused financial hardship. I contacted Bank of Americas customer service department and also visited a local branch to resolve the matter, but I have not received a satisfactory explanation or refund. 
I believe Bank of America improperly accessed funds from my active account to cover a debt associated with a closed account, without my consent or proper notification.

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 2025-10-23 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:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX [ XXXX, GA XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Identity Theft and Data Breach Notification Request for Enforcement of Consumer Rights Dear CFPB Representative, I am writing to formally report a case of identity theft resulting from a recent data breach that has directly impacted my personal and financial information. As a consumer, I am seeking your assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., particularly the provisions regarding the removal of fraudulent information and the protection of consumer credit profiles following identity theft.

I have already notified the major credit reporting agencies ( XXXX Equifax, and XXXX ) of this matter and requested the immediate removal of any fraudulent or unauthorized information from my credit reports. Despite my efforts, the fraudulent activity remains unresolved. Therefore, I am requesting that the CFPB review my complaint and take appropriate steps to ensure compliance with federal consumer protection laws.

I respectfully ask that your office ensure : 1. The credit reporting agencies promptly investigate and remove fraudulent information.

2. All affected financial institutions and creditors are notified of the identity theft report.

3. Additional protections, such as fraud alerts and security freezes, are properly applied to my credit files.

Enclosed are copies of relevant documents, including my identity theft report, dispute letters, credit report excerpts, and correspondence with the credit bureaus for your reference.

Please acknowledge receipt of this letter and confirm the next steps toward resolving my complaint. I appreciate your prompt attention to this serious matter and your continued efforts in protecting consumer rights. 


Sincerely, [ ] [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I reached out multiple times regarding the balance owed, mailed out letters but received no information back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: WV

Complaint narrative:
This follow-up concerns a dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) about a late payment reported during an approved forbearance period. I provided the lenders forbearance approval letter showing that payments were deferred during the time the late payment is alleged to have occurred. Despite this, the credit bureau has not removed the inaccurate late mark or issued a reinvestigation summary. This violates the protections afforded to me under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130000.00}

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 2025-10-23 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: IL

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 2025-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An unauthorized wire transfer of {$20000.00} from my account, as well as the subsequent attempted transfer of {$15000.00}, which were carried out through the fraudulent use of my personal identity. This case is already registered with your institution under XXXX XXXXXXXX. 
I have also filed reports with the XXXX Police Department. 
On XXXX XXXX XXXXXX/XX/XXXX, immediately after discovering the unauthorized transfer, I contacted Chase Bank, and the phone operator informed me that the transaction was executed from my own IP address ( i.e., my personal XXXX ), using the Chase mobile app and facial recognition authentication. However, I did not sign in to the app or authorize this transfer ; rather, an impostor appears to have gained access by falsifying my biometric data. If the operators information is accurate, this indicates that Chase Banks identity verification system failed to detect and block a fraudulent intrusion. 
Under the information received at present by the bank advisors, the facts suggest that Chase Banks internal security controls failed to prevent an impostor from gaining access to my account and initiating unauthorized transactions. Chase has never showed me any proof that the facial recognition and IP validation used were actually mine, despite the severals requests I have made. This failure indicates deficiencies in the banks identity-verification systems and monitoring mechanisms for high-value transactions. 
Since XX/XX/year> the case has been handled by their highest level, the XXXX office, but they have not been able to give proof that the transaction was done by myself. 
I have also filed a complaint to the XXXX under ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian onXXXX XXXX XXXX regardingmultiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
I am submitting this statement to formally dispute and request correction of inaccurate personal and account information being reported by the credit bureaus. My credit file contains errors that do not accurately reflect my identity or financial history, which is affecting the integrity of my consumer report. 
The name XXXX XXXX and the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are being reported incorrectly. These identifiers are not accurate and should be removed from my credit file. 
XXXX XXXX XXXX XXXX  is showing late payments for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, despite consistent payment activity and no verified delinquencies. I am requesting that these late marks be reviewed and corrected to accurately reflect my payment history. 
XXXX XXXX XXXX Reported as charged off with a {$0.00} balance, which is inconsistent with TransUnions file showing the account as open. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a {$0.00} balance and inaccurate account activity. I am requesting verification and correction of this reporting. 
XXXX XXXX XXXX  Reported as charged off for {$8100.00} with the remark Account information disputed by consumer, meets FCRA requirements. This information appears inconsistent with my records and should be reinvestigated for accuracy. 
Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure the maximum possible accuracy of the information they report. 611 ( a ) ( 1 ) ( A ) gives me the right to dispute any information believed to be inaccurate or incomplete. 611 ( a ) ( 5 ) requires the bureau to correct any information that can not be verified as accurate. 609 ( a ) ( 1 ) entitles me to clear and accurate disclosure of the information in 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