vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 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: VA

Complaint narrative:
I noticed an account under XXXX on my credit report, but I have never opened an account with XXXX, nor have I ever dealt with XXXX, the company reporting this collection. I dispute this account because I am not responsible for the debt. 

I have previously tried to resolve this by disputing the account with the credit bureaus, but the account remains on my report. I have not received any communication from either XXXX or XXXX regarding this debt, and no documentation has been provided to prove that I owe this amount. The Date Opened and Date Last Active listed on my report are inconsistent across the credit bureaus, further suggesting that the account is not mine. 

Given that the credit bureaus have not resolved this issue after my dispute, I am now filing this complaint against the bureaus for failing to properly investigate and correct the inaccurate information. As I do not owe this debt, I request that the account be deleted from my credit report immediately. 

Thank you for assisting me in removing this incorrect information from my 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
I filed dispute of invalid information on my credit report with XXXX  and XXXX from First National Bank of Omaha ( FNBO ). Last XXXX FNBO said I was late on payment of a credit card I had with them. There was an erroneous charge on that card with I reported to FNBO from XXXX Circulation. I reported this to FNBO, and they agreed and credited my account for the erroneous chard, credited the late payment fee, and interest charges ( as shown on the submitted documentation, billing statement ) but still marked my credit report with XXXX  and XXXX  as late XXXX  days, for this erroneous charge. I ask them to correct but they refuse to correct credit report.

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 2025-04-16 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

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 non-monetary relief
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: TX

Complaint narrative:
Took place on XX/XX/year> & XX/XX/year>. IQ Data Internation debt collection company contacted my husband and I 's place of employment and my mother to try and collect a past due balance from my property management company. Mind you, I did not know I owed anything. Last correspondence with the rental company was them working on final balance and us waiting on that email response. Well, I guess someone dropped the ball and marked it as non-responsive, so IQ Data international was hired on my behalf. I am fine with phone calls to myself and my husband since we are on the lease. If they would have left a voicemail letting us know what it was regarding, we could have called back but WE, OURSELVES, did not receive any voicemails, just missed calls from a number that appeared as a scam and did not answer. But to then take it upon yourself and contact OUR PLACE OF EMPLOYMENT and my literal mother... is unacceptable behavior. Completely unprofessional. 

I also was not allowed to click two options when writing this report, but my husband and I were both told if we did not pay this today it would be a negative report on our credit. To threaten us when we have no idea why this is happening is unacceptable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

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 2025-04-16 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: AZ

Complaint narrative:
I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2025-04-16 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: AZ

Complaint narrative:
I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Claim open with chase bank on XX/XX/2025, they declined to reimburse me even if I confirmed it was not authorized transaction, I never allowed this transaction. It seems it was online transaction also ref of the case Reference # XXXX For {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( XXXX ). I have contacted the XXXX major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( XXXX ) on your credit report. I have provided documentation to support my disputes. 

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from aany of the credit bureaus. My initial dispute letters were sent on XX/XX/year> and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates. ].

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request.

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes.

* Failing to provide timely responses to my dispute letters.

* Failing to remove inaccurate and unverifiable information from my credit report ( s ).

* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ).

I have attached copies of dispute letters.

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address 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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Dear CFPB, I am writing to formally complain about JPMBC card regarding the inaccurate reporting of my account on my credit report. This account was charged off, yet continues to report it as delinquent, negatively impacting my XXXX XXXX. 

According to the Fair Credit Reporting Act, charged-off accounts should not be reported as active debt. 

I kindly request that the CFPB investigate this matter and ensure that JPMCB card corrects its reporting practices. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: LEXISNEXIS
State: NV

Complaint narrative:
I have requested a copy of their copy of my consumer report with LexisNexis. This is my 3rd attempt requesting my consumer report. I have filled out all the necessary identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit report.

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 2025-04-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit report.

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 2025-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
No letter of agreement of pay to delete was emailed nor mailed to me prior to initial payment. Still waiting, therefore XXXX cant make full discounted agreed payment. Until confirmation is in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint because my federal student loans are being falsely reported as late on my credit reports by XXXX, despite the fact that these loans are currently in approved deferment until XX/XX/year>. 

I have contacted my loan servicer multiple times and submitted multiple disputes ( XXXX previously, XXXX more today ) to the credit bureaus regarding this issue. However, the incorrect negative information remains and has caused my credit score to drop by XXXX points, which is severely impacting my financial standing. 

I am requesting that the CFPB investigate this matter immediately and that XXXX correct all false late payments reported to XXXX Experian, and XXXX, and restore my credit score to reflect the accurate status of the loans. 

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing measurable harm to my credit profile. I have attached a copy of my deferment approval letter and recent credit report screenshots as evidence.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

Company response to consumer: Closed with non-monetary relief