vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am writing to formally dispute and request an immediate reinvestigation of the inaccuracies currently reflected on my credit report. These discrepancies are not minor oversights they are clear inaccuracies that have significantly impacted me both personally and financially. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to expect maximum possible accuracy on my credit file. The current errors are unacceptable and continue to cause ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-29 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: AR

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Accounts Under FCRA & FDCPA Dear Dispute Department, I am writing to formally dispute several inaccurate and derogatory accounts listed in my credit report. These accounts are the result of identity theft and a significant data breach incident tied to the unauthorized sharing and selling of personal data following XXXX XXXX DOGE department left millions vulnerable. I am a victim of this breach and am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Accounts to Be Investigated and Removed : - XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX Account : XXXX - XXXX XXXX Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX - XXXX Account : XXXX - XXXX XXXX Account : XXXX - 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and verified data.

- 15 U.S.C. 1681i ( a ) ( 1 ), ( 5 ) ( B ), ( 6 ) ( B ) : Obligations to investigate disputes, remove unverifiable accounts, and notify consumers of results.

- 15 U.S.C. 1681i ( 5 ) : Failure to delete inaccurate or unverifiable data.

- 15 U.S.C. 1692 ( c ) : Unlawful communication with consumers after identity theft or without verified debt ownership. 

I request a full investigation into the accounts listed above and the immediate deletion of any unverifiable or inaccurate information. Please provide a written response detailing your findings and the steps taken to correct my file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AR

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Accounts Under FCRA & FDCPA Dear Dispute Department, I am writing to formally dispute several inaccurate and derogatory accounts listed in my credit report. These accounts are the result of identity theft and a significant data breach incident tied to the unauthorized sharing and selling of personal data following XXXX XXXX DOGE department left millions vulnerable. I am a victim of this breach and am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Accounts to Be Investigated and Removed : - XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX Account : XXXX - XXXX XXXX Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX - XXXX Account : XXXX - XXXX XXXX Account : XXXX - 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and verified data.

- 15 U.S.C. 1681i ( a ) ( 1 ), ( 5 ) ( B ), ( 6 ) ( B ) : Obligations to investigate disputes, remove unverifiable accounts, and notify consumers of results.

- 15 U.S.C. 1681i ( 5 ) : Failure to delete inaccurate or unverifiable data.

- 15 U.S.C. 1692 ( c ) : Unlawful communication with consumers after identity theft or without verified debt ownership. 

I request a full investigation into the accounts listed above and the immediate deletion of any unverifiable or inaccurate information. Please provide a written response detailing your findings and the steps taken to correct my file. 

Sincerely, 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 2025-07-29 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 XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: DC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-29 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: TX

Complaint narrative:
I did not apply for these accounts, nor did I authorize them. They are fraudulent and should be promptly removed as required by USC 1681g. Enclosed are relevant supporting documents.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit card is reporting inaccurate information as it is using a SSN that is note VALID. Therefore any tradeline using inaccurate information must be deleted.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit card is reporting inaccurate information as it is using a SSN that is note VALID. Therefore any tradeline using inaccurate information must be deleted.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit card is reporting inaccurate information as it is using a SSN that is note VALID. Therefore any tradeline using inaccurate information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I applied for a Chase Freedom credit card after it was recommended to me through XXXX XXXX and Chase 's website. The offer stated that I was highly likely to be approved and advertised several key features : a 0 % introductory APR on balance transfers, a 3 % balance transfer fee, and a {$200.00} sign-up bonus. This was especially appealing to me because I am actively trying to pay down my existing credit card debt, which is currently at a 28 % APR. The opportunity to transfer my balance to a lower-interest card was the main reason I applied. 

However, after being approved, I discovered that none of the advertised terms applied to the card I received. I was given a 28 % XXXX the same rate I already have and was not offered the option to complete a balance transfer. I also have not seen any indication that I qualify for the {$200.00} sign-up bonus. As a result, I now have a second high-interest credit card in my name, a hard inquiry on my credit report that slightly lowered my credit score, and no progress toward my goal of reducing my debt and improving my credit. 

I believe the offer was misleading and that I was guided into applying for a product under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-07-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I demand the removal of this collection account from my credit report immediately unless you can substantiate its validity as required by law. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including a list of relevant documents, such as identification, proof of address, or any notices received. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. 



Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. 

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : WFBNA CARD Account Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am now filing a third formal CFPB complaint against Portfolio Recovery Associates ( PRA ) regarding XXXX unresolved, inaccurate, and unverified collection accounts. 

Account # XXXX : Ending in XXXX, Balance : {$2500.00} Account # XXXX : Ending in XXXX PRA is refusing to follow the law, has ignored my previous disputes, and continues to harm my credit file with false information. 

I first filed a CFPB complaint on XX/XX/year> ( # XXXX ). PRA never responded to that complaint. 
I submitted a second complaint on XX/XX/year> ( # XXXX ), and PRA responded with irrelevant documents for a different account not the one I actually disputed. This response was deceptive, incomplete, and legally unacceptable. 

PRA has failed to show any signed contract, agreement, or proof that I ever opened or owed either of these accounts. They have never validated the debt under the FDCPA, and they continue to report both accounts to XXXX XXXX XXXX XXXX in violation of the FCRA. 

I am now demanding : The immediate and permanent deletion of both Portfolio Recovery Associates accounts ( XXXX and XXXX ) from all three credit bureaus A formal investigation into PRAs refusal to comply with federal law, and CFPB enforcement action for their repeated violations and refusal to respond truthfully or legally These accounts are damaging my credit, and PRA has shown a pattern of evasion, delay, and dishonesty. Enough is enough. No further excuses. Full deletion is the only acceptable outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief