vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I saw incorrect info reporting on my credit report regarding late payments from XXXX XXXX XXXX and here are my bank statements and other supporting documents for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$930.00}, on XX/XX/XXXX I made a payment {$1000.00}, on XX/XX/XXXX I made a payment of {$500.00} and on XX/XX/XXXX payment {$500.00} and XX/XX/XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Incorrect -Previous Address : - XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-12 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Incorrect -Previous Address : - XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, 15 U.S. CXXXXe XXXX. you are legally obligated to block fraudulent information from my report within XXXX days.

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 2025-04-12 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, 15 U.S. CXXXXe XXXX. you are legally obligated to block fraudulent information from my report within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I been a victim of identity for years, I have my credit cleared then things still keep happening There is auto loan on my credit that is not mines I have no knowledge or I did not open that loan along with all type of other credit accounts There are so many discover credit cards I never applied for, I just want that remove because thats not my information, the accounts are in good standing so Im assuming they are error reporting accounts XXXX. XXXX auto loan JP chase bank I have called and reported this several times to chase & the credit bureaus no action from XXXX or XXXX I never in my life took out a auto loan but I would like to 1 day, my credit was an XXXX at XXXX point and this stuff that does not belong to me have took me to a XXXX score, my child is graduating next year and my credit is ruin from fraud and we are suffering, I have not ran my name in over XXXX  years for nothing at all, I pay cash for my cars, and anything else It says {$44000.00} amount Opened XXXX XXXX main financial bright way {$2600.00} opened fraudulently XX/XX/XXXX credit card XXXX {$2400.00} opened XX/XX/XXXX {$750.00} limit credit card fraud I never been to college but student loans were took out in my name they are still reporting to XXXX {$2700.00} balance opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
, XXXX XXXX, am submitting this complaint regarding a fraudulent account that has been reported on my credit report by XXXX XXXX XXXX. The account is listed as an auto lease and reported as a repossession. This lease account was allegedly opened on XX/XX/year>, but I have never entered into any auto lease agreement with this company, nor have I inquired about or applied for any such lease. 

This account does not belong to me. If my name is associated with it in any capacity, it is the result of identity theft. I have documentation confirming that I was a victim of the XXXX data breach, which exposed my personal information. It is likely that this information was fraudulently used by an unauthorized party to open the lease. 

Furthermore, the address attached to this account is not XXXX where I resided at the time the lease was supposedly opened. I have proof of residency in the form of my state-issued ID and utility bills, both of which show a different address during that period. This supports my claim that I did not open this account and had no connection to the address associated with it. 

By reporting and continuing to report this fraudulent and inaccurate account to the credit bureaus, XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Specifically : Under Section 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Under Section 1681s-2 ( b ), once notified of a dispute, furnishers are required to conduct a reasonable investigation and remove or correct any information that is found to be inaccurate or unverifiable. 
This fraudulent reporting has caused significant harm to my credit standing and personal well-being. I am requesting the assistance of the Consumer Financial Protection Bureau in having this inaccurate account permanently removed from my credit report and holding XXXX XXXX XXXX accountable for their failure to uphold their legal obligations under the FCRA. 

I am prepared to provide all supporting documentation, including proof of residency, identity theft evidence, and communications regarding 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase Bank , N.A . for improperly resolving a transaction dispute in favor of the merchant, despite substantial evidence in support of my claim. 
On XX/XX/2024, I placed an order with the online retailer XXXX XXXXXXXX for a dress valued at {$110.00}. Upon receiving the item, I decided it did not meet my expectations and opted to return it. I returned the dress via my local XXXX XXXX on XX/XX/2024, and received a USPS receipt with a tracking number, which I promptly provided to XXXX XXXXXXXX as confirmation of the return. 
XXXX  XXXX responded, stating that a refund would be issued upon receipt of the product and advised me to follow up if I did not receive an update by XX/XX/2024. On XX/XX/XXXX, I reached out again, as the tracking information showed that the item had been delivered to the merchant. At that point, XXXX XXXXXXXX claimed they had not received the return and introduced a different tracking number, which was inconsistent with the one I used and provided. Despite this discrepancy, they maintained that the item had not been returned to them. 
Due to their failure to acknowledge the return and issue a refund, I escalated the matter by filing a dispute with my credit card provider, Chase Bank. Initially, Chase reversed the charge in my favor. However, on XX/XX/2024, I was notified by Chase that they had decided to reverse the chargeback in favor of the merchant and closed the dispute. 
Following their decision, I submitted additional documentation to Chase, including : - My USPS return receipt - The correct tracking number Despite this evidence, Chase has refused to reconsider or reopen the case. 
Additionally, XXXX XXXXXXXX has acted in bad faith, repeatedly attempting to convince me to drop the dispute by falsely promising a refund if I withdrew my claim. This behavior is misleading and dishonest, and it undermines consumer protection standards. 
I am extremely disappointed by Chase 's mishandling of this dispute and their unwillingness to advocate for their customer despite the evidence provided. I am seeking the CFPBs assistance in reviewing this matter and holding Chase accountable for failing to act in accordance with fair dispute resolution practices. 
I have attached the USPS return receipt, the tracking number, and screenshots of my correspondence with XXXX XXXXXXXX. Please let me know if any additional information or documentation is needed to proceed with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: AL

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries and collections on my profile. Those inquiries and collections consist of the following : Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Collections : XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX Transunion XXXXXXXX XXXX ( Original Creditor ) XXXX XXXX XXXXXX/XX/XXXX Experian, Transunion and Equifax . 

Unknown Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX XXXX Transunion XXXX, GA XXXX XXXX XXXX XXXXTransunion XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 31907-Equifax

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 2025-04-12 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:
I recently looked at my credit profile and noticed a number of unauthorized inquiries and collections on my profile. Those inquiries and collections consist of the following : Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Collections : XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX Transunion XXXXXXXX XXXX ( Original Creditor ) XXXX XXXX XXXXXX/XX/XXXX Experian, Transunion and Equifax . 

Unknown Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX XXXX Transunion XXXX, GA XXXX XXXX XXXX XXXXTransunion XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 31907-Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All of the following accounts on my credit report are fraud and needs to remove immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquires are not mine and need to be removed : 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

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 complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im a victim of the Equifax breach, these accounts are unauthorized and i have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are negatively affecting my credit report and are unauthorized! Please remove/ block them asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Im a victim of the Equifax breach, these accounts are unauthorized and i have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are negatively affecting my credit report and are unauthorized! Please remove/ block them asap.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, that are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 USC 1681 S2 A furniture must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ACCOUNT ( XXXX ) /RE-INSERT ( XXXX ) XXXX XXXX SECURED PLEDGE LOANS TRANSUNION TRADELINES RE-INSERTION LETTER ( XXXX ) IN TOTAL SECURED LOANS XXXX  Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : PLEASE RE-INSERT & UNBLOCK THESE ( XXXX ) XXXX XXXX TRADELINES. THEY ALL BELONG TO ME. THESE ITEMS LISTED XXXX, THEY ALL BELONG TO ME. THESE ARE MINE. 
PLEASE RE-INSERT ALL THESE TRADELINES BACK ON MY CREDIT REPORT IMMEDIATELY. 



THESE ACCOUNTS LISTED BELOW ARE MINE. PLEASE RE-INSERT & Unblock THESE ( XXXX ) LOANS LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 






LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 



LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$390.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 


LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$390.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 








Thank you for your time and help in this matter. Sincerely, 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