vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I am disputing a collection account reported by Fair Collections & Outsourcing ( XXXX ) on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was already paid in full prior to derogatory reporting, yet XXXX continues to report it as a derogatory collection with a {$0.00} balance. 

On XX/XX/XXXX, I sent a formal dispute and deletion request ( XXXX  XXXX  ). In my letter, I cited specific sections of the Fair Credit Reporting Act ( XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( XXXX ) ) and requested validation of the account, proof of ownership/assignment, and written confirmation of full deletion of the tradeline. 

XXXX responded with a generic settled in full form letter ( XXXX XXXX ). Their reply ignored my dispute points, provided no validation or documentation, and failed to address my deletion request. Despite this, XXXX continues to furnish this account as derogatory on my XXXX  credit report. The tradeline is also being updated in bad faith to appear current when the balance is {$0.00}. 

This inaccurate and misleading reporting violates the FCRA and continues to unfairly suppress my creditworthiness. I am requesting that the CFPB require full deletion of this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Account Number : [ ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: LEXISNEXIS
State: CA

Complaint narrative:
Re : XXXX  XXXX  I send required documents to XXXX XXXX XXXX and they refuse to accept documents or block information they ask me what was the nature and personal details of my experience. Which is a horrible experience. I feel as if they are not being fair. 

Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-17 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 have previously disputed with EQUIFAX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX ACCOUNTS : XXXX. XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$180.00} UNAUTHORIZED COLLECTION - Account Number : XXXX, Date Opened : XXXX, Balance : {$200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$130.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1500.00} XXXX  XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$3200.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 XXXX XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Consumer : XXXX XXXX XX/XX/XXXX: JPMorgan Chase Bank, N.A. 
Claim Numbers : XXXX and XXXX Date of Claim Submission : XX/XX/year> -- - XXXX. Key Facts On XX/XX/year>, I submitted claims to JPMorgan XX/XX/XXXX regarding multiple unauthorized electronic transfers debited from my checking account ending in XXXX, directed to XXXX XXXX. 

I state the following : I have never had any contractual or business relationship with XXXX XXXX. 

I never authorized these transfers. 

During XX/XX/XXXXinvestigation, I submitted official Identity Theft Reports : A prior report related to the loss of my identification. 

A second, specific Identity Theft Report covering the XX/XX/XXXXaccount that was compromised, including detailed information about the fraudulent transactions. 



The fraudulent transactions total more than {$41000.00} USD, as reflected in my statements and XX/XX/XXXXclaim letters : {$1800.00} XX/XX/year> {$7000.00} XX/XX/year> {$10000.00} XX/XX/year> {$3000.00} XX/XX/year> {$1000.00} XX/XX/year> {$2000.00} XX/XX/year> {$9000.00} XX/XX/year> {$8000.00} XX/XX/year> Despite all this evidence including official identity theft reports submitted while the investigation was still pending XX/XX/XXXX concluded that the transactions were authorized and denied my claims without reimbursement. 


-- - XXXX. Actions Taken by the Consumer Timely Reporting : I filed my claims within the legal XXXX timeframe required by law ( XX/XX/year> ), covering transactions from XX/XX/XXXX through XX/XX/year>. 

Official Dispute Form : I signed XXXX dispute form stating I did not recognize or authorize the transactions. 

Phone Notification : I verbally explained to XX/XX/XXXXthat these transfers were fraudulent. 

XXXX XXXX : I requested a XXXX XXXX order against XXXX XXXX ; however, further debit attempts continued. They were only rejected because there were insufficient funds, not because XXXX acted effectively. 

Branch Visit : On XX/XX/year>, I visited a XXXX branch. The branch agent contacted the XXXX XXXX department directly. That department instructed the branch that I had to wait until the claims were closed before deciding whether to close the account. I asked the branch agent to record this note in the system as proof that I was complying in good faith and that the wait instruction came from XXXX, not from me. 

Identity Theft Reports : While the claims were pending, I submitted XXXX Identity Theft Reports to XXXX. XXXX had these official documents before making its decision, yet ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-17 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion LLC for willful violations of the Fair Credit Reporting Act ( FCRA XXXX, XXXX XXXX. XXXX ). 

On XX/XX/year> ( File XXXX XXXX ), TransUnion sent me a letter refusing to process my dispute, claiming it " XXXX not have come directly from me. '' This is false. All disputes have been personally prepared, signed, and mailed by me via XXXX XXXX Mail, with proof of delivery. 

TransUnionXXXX refusal to conduct a reinvestigation violates FCRA XXXX ( a ) ( XXXX ) ( A ), which requires consumer reporting agencies to investigate disputes submitted directly by the consumer. Their XXXX stall tactic is baseless and is being used to avoid compliance. 

I am requesting that the CFPB require TransUnion to : Reopen and conduct a full reinvestigation of all disputed tradelines. 

Delete any unverifiable, inaccurate, or incomplete information in accordance with FCRA XXXX ( a ) ( XXXX ). 

Provide me with a proper response, including the method and results of their reinvestigation.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 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: OH

Complaint narrative:
I reviewed my credit report on Experian and noticed XXXX student loans from XXXX that are still showing balances and as open. My loans were serviced at XXXX but transferred to XXXX. They have all been paid off through XXXX. I disputed both accounts on Experian and they performed an investigation and the result of the investigation shows that the information was verified. This is incorrect. I have my XXXX data that shows that all accounts are closed and paid off. I tried calling XXXX to verify my account information and an automated system was able to tell me that I have no balance. I requested a representative to get more information and was instead connected to a survey on the representatives performance. I was never connected with a representative and unable to connect with XXXX after multiple attempts.

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 2025-09-17 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Balance : {$3100.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported about me by ChexSystems and furnished by XXXX XXXX 

On my recent ChexSystems consumer report, XXXX XXXX  is reporting a closed checking account with an alleged unpaid balance of {$850.00} ( closure date : XX/XX/year> ) and labeling it as account abuse. I dispute the accuracy and completeness of this information. 

Issues : XXXX. I attempted to submit a dispute directly through ChexSystems online portal, but their system would not process my dispute. 
XXXX. ChexSystems is reporting this negative item without providing documentation or proof of accuracy. 
XXXX. XXXX XXXX, as the furnisher, has not provided any verification or original account-level documentation showing that I am responsible for this account or balance.

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