vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
With all of the data breaches happening I believe companies have exposed my information as well. I reviewed my credit report and as a concern I wanted to ensure I addressed any misrepresentations of my credit report. As a result I want to bring these inquiries to the CFPB 's attention and use you all as a third party to address my concerns directly with the credit bureau. For some reason they continue to state inquiries are a factual item when in fact that is untrue. I am requesting that permissible purpose be provided in order for the following inquiries to report below XXXX XXXX XXXX XXXXnquiry : Inaccurate inquiry on the credit report. Looking for a deletion correction. XXXX XXXX inquiry : The report has a credit inquiry that do not authorize. Delete the inaccurate inquiry. XXXX XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 
XXXX XXXX inquiry : Inaccurate credit inquiry on credit report. 611 states I can get an investigation. Im asking for it and then remove the inaccurate inquiry. XXXX  inquiry : This inquiry was not authorized by me. Remove this inquiry. XXXX XXXX inquiry : Correction of the not approved inquiry. Please purge this issue and send me and update. 
XXXXXXXX XXXX  inquiry : No permission was given for this inquiry. It should not be on my report. Remove it please. XXXX XXXX inquiry : Found this inquiry to be wrong because there was no permission. Remove as soon as you get this. EDUCATORS FI inquiry : A possible error with this inquiry because I did not apply. I really need this removed. 
XXXX  inquiry : Inaccurate inquiry on the credit report. The FCRA said that you must investigate.

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 2025-07-04 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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 2025-07-04 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experians failure to uphold consumer protections under 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
Consumer complaint received 2025-07-04 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 non-monetary relief
Consumer complaint received 2025-07-04 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: NV

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account was charged off on XX/XX/scrub> 2023. This account has been repeatedly updated as a charge off every month after that initial date. This is an update in the payment history. Charged-off accounts should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations, extending the timeframe you previously sent. Your investigation was inaccurate and your neglect has violated my rights. I am demanding a deletion of the following account : BANK OF AMERICA Account number : XXXX XXXX BANK OF AMERICA Account Number : 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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have written a little multiple times no one has responded with any details about this account. The balance thats reporting to my credit. Bureaus are incorrect and I would like for it to be removed. 
I am writing to formally dispute the validity of the collection account listed below on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et This account is being reported inaccurately. I am requesting that you : 1. Provide full validation of this debt, including : The original creditors name and contact information The full account history and itemization of the amount claimed A copy of any contract or agreement bearing my signature proving I am legally obligated 2. If you can not provide this documentation, delete this collection from my credit report immediately as required under FCRA 611 ( 15 U.S.C. 1681i ). 

Additionally, please provide me with the name, address, and telephone number of the original creditor if different from the current collector. 

Under the FCRA, you are required to complete your investigation within 30 days of receipt of this dispute. Please send your written response to the address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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 updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report 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 2025-07-04 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) 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 2025-07-04 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: TX

Complaint narrative:
I got a copy of my credit report and notice a lot of things i don't have knowledge about and unauthorized inquiries which is results of identity theft

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 2025-07-04 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: MA

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/XXXX, and was discharged on XX/XX/XXXX. XXXX XXXX XXXX was included in my bankruptcy. Despite this, they are reporting late payments and derogatory after the discharge date on all 3 bureaus credit report, including 90 days late as of XX/XX/XXXX, and showing as active account that need attention and balance of {$17000.00} which is inaccurate and a violation of the FCRA and Bankruptcy discharge laws. 
I have contacted XXXX XXXX XXXX via fax to correct this error, but it is still showing on my report. I am requesting the CFPB assist in having the late payments after XXXX XXXX XXXX removed and the account correctly marked as Discharged in XXXX XXXX with a {$0.00} balance. 

XXXX XXXX XXXXXXXX is also reporting balance on my credit after my bankruptcy XX/XX/XXXX The report made on XXXX XXXX. 
The account is still reporting an active balance of {$1200.00} and they reported charges off and showing it as due, even though it was included in the bankruptcy and discharged. 
This inaccurate reporting is damaging my ability to obtain credit and must be resolved. 

Base on Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and U.S. Bankruptcy Code 11 U.S.C. 524 ( a ). Clearly Violating this section is illegal. 
Due to this big violation I am asking help to clean every negative items being reported to all XXXX credit bureau Equifax, Transunion and experian. 

Looking for it for a great result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MA

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/XXXX, and was discharged on XX/XX/XXXX. XXXX XXXX XXXX was included in my bankruptcy. Despite this, they are reporting late payments and derogatory after the discharge date on all 3 bureaus credit report, including 90 days late as of XX/XX/XXXX, and showing as active account that need attention and balance of {$17000.00} which is inaccurate and a violation of the FCRA and Bankruptcy discharge laws. 
I have contacted XXXX XXXX XXXX via fax to correct this error, but it is still showing on my report. I am requesting the CFPB assist in having the late payments after XXXX XXXX XXXX removed and the account correctly marked as Discharged in XXXX XXXX with a {$0.00} balance. 

XXXX XXXX XXXXXXXX is also reporting balance on my credit after my bankruptcy XX/XX/XXXX The report made on XXXX XXXX. 
The account is still reporting an active balance of {$1200.00} and they reported charges off and showing it as due, even though it was included in the bankruptcy and discharged. 
This inaccurate reporting is damaging my ability to obtain credit and must be resolved. 

Base on Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and U.S. Bankruptcy Code 11 U.S.C. 524 ( a ). Clearly Violating this section is illegal. 
Due to this big violation I am asking help to clean every negative items being reported to all XXXX credit bureau Equifax, Transunion and experian. 

Looking for it for a great result.

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 2025-07-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint against Chase Auto Finance for reporting a false $ XXXX charge to my credit after I returned my leased vehicle in full compliance with my lease terms. 

I leased a XXXX XXXX through Chase Auto from XX/XX/XXXX to XX/XX/XXXX. I returned the vehicle to the original dealership on the exact lease-end date in XX/XX/XXXX. I also paid all lease payments up to that final date and the {$200.00} docking fee associated with the vehicle return. 

At the time of return, the XXXX XXXX dealership confirmed that my account was paid and settled, and that Chase had received everything they needed. I was told there was no outstanding balance. 

Then, three months later, Chase contacted me stating I owed over {$800.00} for a supposed overlap month in my lease. This is incorrect and unfounded. I did not keep the vehicle beyond the lease term, and the dealership was the one that confirmed my lease-end date and handled the return process. 

If there was a miscommunication about the lease timeline, it was between XXXX XXXX and Chase, not me as the customer. I was not in possession of the vehicle past the lease-end date, and I fulfilled all financial obligations. 

Despite my attempts to resolve this, Chase reported the alleged balance to the credit bureaus. This has negatively impacted my credit report for a debt that should never have existed. 

I am requesting : Immediate removal of the $ XXXX balance from my credit report ; A formal closure of the lease account in good standing, marked Paid in Full ; Written confirmation that the collections entry has been withdrawn and my account with Chase Auto is fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX Y XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief