vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: AZ

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my XXXX XXXX, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am submitting this because your latest reply still avoids the primary issue that I have been trying to get you to address from the beginning. You continue to recycle the exact same statements without ever providing evidence that I ever agreed to let your organization access, manage, store, transfer or publish any part of my private information. You keep pointing me to documents that do not contain my legal name or my signature as XXXX XXXX. You continue to rely on a version of my name that I do not use and never used on any file authorizing your involvement. None of your responses show where I personally approved anything related to IQ Data International. 

You keep referring to some assignment or transfer of a note but that has nothing to do with the question I asked. If you are claiming that you purchased this debt then you should also be able to show that I provided permission to you specifically. If I never instructed you to take my data or represent anything in my name then why would you believe you can attach anything to my credit. If a company buys a debt that does not mean the consumer signed a contract with the new company. A purchase between XXXX businesses does not create an agreement with me. You have not shown any contract where I recognized your company or gave affirmative consent to you. 

This account has created extreme damage to my credit and you have not fulfilled a single request for proof that you were authorized by me. You keep repeating information without addressing the fact that nothing contains the name XXXX XXXX. I am asking you once again to show where I acknowledged IQ Data International or granted any level of permission. You keep responding as if I owe something to you personally when you have not demonstrated any connection between your organization and my authorization. 

I have already attempted mailed disputes and CFPB complaints and you continue to ignore the XXXX question that determines whether you have a right to report anything. If your company is confident that it is operating with my approval then it should be simple to provide the document. Instead you keep repeating template responses. That is why I am escalating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-21 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: CA

Complaint narrative:
I am submitting this dispute to address discrepancies on my credit reports across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX Experian ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : 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 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

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 2025-11-21 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: NC

Complaint narrative:
I am submitting this dispute to request a thorough review and correction of the following inaccurate items on my credit report. These accounts are listed as disputed due to reporting errors and discrepancies. Below is a summary of the accounts in dispute : Charged Off Accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-21 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 am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccuracies I have identified on my credit report with the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( XXXX ). Below is a detailed summary of the accounts in dispute Charged-Off Accounts : 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 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

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I XXXX XXXX am physically writing this. I am submitting this complaint because an unauthorized hard inquiry from XXXX XXXX, dated XX/XX/year>, is appearing on my Experian credit report. I did not apply for credit with XXXX XXXX, did not initiate any transaction with them, and did not give consent for the company to access my credit file. Because I never provided authorization, this inquiry violates FCRA 604 ( a ), which requires that a user of a consumer report have a permissible purposesuch as a credit application initiated by the consumerbefore obtaining my credit information. No such permissible purpose exists in this case. 

Under FCRA 609 ( a ) ( 1 ), I have the right to know who accessed my credit file and the legal basis for that access. Experian has not provided any documentation proving that XXXX XXXX had my written permission. Under FCRA 610 and 611, Experian is required to conduct a reasonable reinvestigation when I dispute the accuracy or legitimacy of information on my report, which includes demanding that XXXX XXXX provide verifiable proofsuch as a signed credit applicationshowing I authorized this inquiry. If no such proof exists, the law requires that the inquiry be deleted immediately. Additionally, this unauthorized inquiry is adversely affecting my creditworthiness in violation of FCRA 615, as it lowers my score and may negatively influence future credit decisions. 

I am formally requesting that Experian and XXXX XXXX  immediately remove this unauthorized inquiry from my credit report. I am also requesting that XXXX XXXX  be required to provide documented evidence of my explicit authorization. If they can not provide it, the inquiry must be deleted as mandated by federal law. I am asserting under penalty of perjury that I did not authorize this inquiry, did not engage in any transaction with XXXX XXXX, and that the information in this complaint is true and accurate to the best of my knowledge. I request written confirmation once the reinvestigation is completed.

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 2025-11-21 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: KY

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Starting on XX/XX/XXXX I placed several large orders over the next couple of days. During this time I had multiple issues with the orders going through. I called JC Penney to resolve and they were able to help me get some of the orders through. Most, if not all of these transactions were with a JC Penney gift card. The rewards points I should have earned from these transactions were not being applied to my account. Originally I was told that rewards points are not earned through payment by a JC Penney gift card. I informed them their website states they are indeed earned through gift cards. When I noticed the rewards points still weren't being applied, I called multiple times over the next XXXX weeks and spoke with several representatives, escalating this several times. The points were eventually applied. Starting on XX/XX/XXXX, I tried placing an online order several times using these reward points and a gift card but the order would not go through. After several calls, I was told I am being restricted to in store purchases only and not able to use a gift card online nor use my rewards points online. I spoke with a supervisor named XXXX about this situation and she reported that she does not know why I am restricted. She stated that decision to restrict sales is done through the XXXX  department. She also stated that she is unable to contact me with that department. She also reported the XXXX department would not contact me. In essence, I am restricted from online sales and the nearest store to me is over an hour away.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received checks deposits on XX/XX/XXXX and XX/XX/XXXX the total of {$20000.00}. On XX/XX/XXXX chase restricted my account access claiming due to unusual activity. I contacted chase on multiple occasions to solve the issue which they claimed they can not verify the senders of these checks and told me to give sometimes for them to verify the senders. When I was on the phone with them I had to wait to them to call these people on the phone and their answers are always the phone went to voicemail or they did not answer the phone. I honestly dont think they have the correct phone numbers. They were only able to verify one check whom is also a chase customer, the rest are not chase customers. On XX/XX/XXXX they closed my accounts both checking and savings on the based that they cant verify these checks. They issued me a check for {$3000.00} and holding the remaining {$17000.00}. I asked the people what send the checks and they say the money already cleared their accounts. Chase has refused to release {$17000.00} to me or refund the money to the senders. They said if they cant verify the senders they will hold the money indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am submitting this complaint because Experian continues to report accounts, inquiries, and late payments that I believe are inaccurate and unverified. My disputes with Experian have not resulted in the required validation. 

CHARGED-OFF / COLLECTION ACCOUNTS XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX Experian has not provided evidence confirming these accounts are accurate, valid, or belong to me. 

INQUIRIES I do not recall authorizing the following hard inquiries : XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Defiarivo Acceptance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian has not provided documentation showing permissible purpose for any of these inquiries. 

LATE PAYMENTS XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX I dispute these late payments because Experian has not supplied documentation verifying their accuracy. 

I request that Experian validate all items listed or delete them if they can not confirm their accuracy in compliance with the FCRA.

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