vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Transunion, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of screenshot of collection I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Screenshot of collection.

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 2025-07-27 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: NY

Complaint narrative:
This is a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX that appears on my credit report as a charged-off debt with a balance still owed. 

If a Form 1099-C was issued in connection with this account, then under IRS regulations XXXX the debt was legally canceled, and the creditor claimed a tax write-off for the unpaid balance. As such, it is inaccurate and misleading for this account to continue reporting a balance or to be treated as a collectible debt. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) requires furnishers and credit bureaus to ensure maximum possible accuracy of information reported.

Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate or misleading information and obligates the data furnisher and bureaus to conduct a reasonable reinvestigation.

Section 611 ( a ) ( 5 ) requires removal or correction of information that can not be verified. 

Despite submitting a dispute through TransUnion, I was informed on XX/XX/XXXX, that the account was verified as reported with no explanation of how or whether a 1099-C was considered. 

Additionally, in the federal case In re : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court held that reporting a debt as owed after issuing a 1099-C is inaccurate and may constitute an FCRA violation.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have contacted the institution on numerous occassions asking them to provide me with proper consent that was was provided by me due to my information being brought, traded and sold without my consent for monetary gain and the companies have yet to respond back to my requests so therefore I am asking for these items to be removed from 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially unfair negative credit reporting by XXXX on my account # XXXXXXXX XXXX XXXX XXXX XXXX My credit reports show late payments reported for the months of XX/XX/XXXX through XX/XX/XXXX. 

I believe these reports are either inaccurate or not properly verified. I have contacted XXXX directly and requested clarification or removal of these late payments, but I have not received a satisfactory response or resolution. 

I have also submitted formal disputes with the major credit bureaus, but the late payments remain on my report, damaging my credit score and financial reputation. I request that the CFPB investigate this matter and assist in getting XXXX to validate or correct the 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 non-monetary relief
Consumer complaint received 2025-07-27 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 submitting this complaint regarding inaccurate and potentially unfair negative credit reporting by XXXX on my account # XXXXXXXX XXXX XXXX XXXX XXXX My credit reports show late payments reported for the months of XX/XX/XXXX through XX/XX/XXXX. 

I believe these reports are either inaccurate or not properly verified. I have contacted XXXX directly and requested clarification or removal of these late payments, but I have not received a satisfactory response or resolution. 

I have also submitted formal disputes with the major credit bureaus, but the late payments remain on my report, damaging my credit score and financial reputation. I request that the CFPB investigate this matter and assist in getting XXXX to validate or correct the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MO

Complaint narrative:
ACCOUNT- XXXX XXXX I am writing to dispute a charged-off account on my credit report. The account is listed without an account number which makes it impossible for me to verify it's validity or confirm it belongs to me. I've also requested a 1099 C form and never received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
New Complaint : Retaliation for Filing CFPB Complaint - Unauthorized Disputes Opened on Favorable Accounts New Complaint Summary : I filed CFPB complaint # XXXX regarding Experian violations. Instead of addressing those issues, Experian has now opened unauthorized disputes against my favorable XXXX XXXX accounts in apparent retaliation for filing the complaint. This retaliatory behavior violates FCRA and CFPA regulations and makes my credit situation worse

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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I unfortunately used the XXXX to book hotel rooms on. Because of the way the rooms were displayed, I thought one of the rooms had two beds and it only had one. I tried to resolve the issue with XXXX and they would not assist me so I disputed the transaction. Someone from Chase called me around and we discussed the whole ordeal. She informed me that there was not enough to process the dispute and the dispute would be reinstated. We show up to check in to our reservation only to find out both rooms had been cancelled without notification. The charges are still on my card. I have attempted to contact XXXX several times and they keep replying with XXXX hours turn around time but nothing else. I called Chase to dispute the transaction again and they said the time limit has passed for the dispute. I tried to explain this is a new dispute from the original. The original being that the rooms were misrepresented and this being that the reservation was cancelled. Chase has said there is nothing more they can do. 
XXXX XXXX XXXX. XX/XX/year> I booked the hotel through your agency ( Confirmation/Invoice No. XXXX & XXXX ) ; I was charged {$890.00} & {$950.00}. 
XXXX. XXXX Attempted to modify the reservation due to the confusing way the room was displayed. My attempts were rejected due to the non-refundable nature of the reservation. The charges remained on my card. 
XXXX. XX/XX/year> at approximately XXXX XXXX  Upon arrival, the hotel informed me the reservation had been cancelled. I was not provided lodging. 
XXXX. XXXX I immediately contacted your agency on multiple occasions within this period of time via phone and email and received no substantive response. 
XXXX. XX/XX/year> I re-filed a dispute with my card issuer. The dispute was denied on XX/XX/year> because the merchant did not acknowledge or remedy the non provision of service. 
XXXX. XX/XX/year> Called chase to discuss the dispute and the call was escalated, they informed me there is nothing they can do because of the time period that has lapsed from the original dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXXThese accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediatelyXXXX XXXX  Balance; XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-27 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: SC

Complaint narrative:
XXXXThese accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediatelyXXXX XXXX  Balance; XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received an instagram advertisement, saying that I am eligible for {$350.00} dollars upon opening a checking account with Chime. {$250.00} is to be given to be upon a qualifying {$500.00} or more direct deposit, which I received from my company ( {$750.00} ) on XX/XX/XXXX. This money also came within the required XXXX post opening the account, as I opened the account around XX/XX/XXXX. 

The following communications all occurred XX/XX/year>. 

I contacted support as I still had not seen any money credited to my account. Upon talking to several customer service representatives, Ive been refused my earned {$250.00}. 

When I use Chimes Live Chat, I spoke to XXXX, who agreed I met the direct deposit eligibility. He claimed he would transfer me into a phone call with a specialized team to handle this credit. Upon getting on the phone with this gentleman, he had no idea what I was calling for, and when I explained to him my situation, he claimed I am not eligible as it was a XXXX promotion. This is impossible, as this ad was run in XXXX and the fine print reads XXXX Chime XXXX Account holders must open the account by XX/XX/year> and complete qualifying activities within 30 days of account opening. 

I tried the Live Chat again and explained the situation, and this gentleman tells me that I am ineligible because I did not receive an email stating I am eligible. Again, this is not outlined in the terms and conditions. When I explained this, the guy told me theres nothing he can do and ends our live chat. 

I tried a third time with another representative, who also ended our chat. 

The fourth time, another representative heard my situation and agreed, I am eligible, and that it should be confirmed that I will get this credit. Attached is their written confirmation. Again, she transfers me to a phone call. The gentleman on the phone tells me again that this is a XXXX promotion. I explained that the terms and conditions do not state this, and that it says I have to make an account before XX/XX/XXXX. He then tells me to send proof to XXXX. I did this, and come to find out, this email is inactive. 

All in all, the pictures I attach show proof I am eligible yet I am being refused my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. Clean, Legal, and Powerful. 

This reporting items I'm talking about is XXXX XXXX XXXXXXXX, how all XXXX loans are saying I am 120 days late on my report. 

Dates XX/XX/year> Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 US CODE 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I went and Purchased a New Home, and my insurance company XXXX XXXX ran my consumer report to see if any claims were outstanding under my name. 

They soon found that a person named XXXX XXXX XXXX living in XXXX TEXAS had a claim open under my name. 

My name is XXXX XXXX XXXX, and I have lived in Illinois my entire life, even this person 's social sec # is on my report.. 

My social ends in XXXX, but yet it shows this person social ending in XXXX. This is now my THIRD TIME reporting of LexisNexis to you and they have YET to fix the issue. 

XXXX XXXX XXXX is still listed on my report and all of his information is on there. 

This has been going on now for XXXX months, and nothing has yet to be done on LexisNexis 's part. 

This is causing my premiums to have been raised, and this is my last time I am attempting for LexisNexis to fix this before I seek Legal Representation They keep reporting that the data is accurate, which is true, the claims are accurate, but they belong to XXXX XXXX XXXX who lives in Texas, not me XXXX XXXX XXXX who lives in Illinois. 

The Past case number of my complaint is XXXX AND XXXX Print complaint, and I have reattached my XXXX  report which still shows ALL of XXXX XXXX 's information still listed on my current report on XX/XX/2025. 

I have highlighted and noted EVERYTHING that doesn't belong to me and belongs to this XXXX XXXX XXXX. As you can see things like Past Insurance Claims with his SS number and Residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Transunion, Experian, & Equifax, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX Account Number : XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Inaccuracy : I do not owe collection. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of screenshot of collection I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Screenshot of collection.

Company response to consumer: Closed with non-monetary relief