vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: DC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year>

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 2025-05-22 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: TX

Complaint narrative:
I am a vXXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/year> TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I deposited a hardship loan check from my 401 ( k ) provider ( XXXX XXXX XXXX ), drawn on J.P. Morgan Chase Bank, into my personal Chase account on XX/XX/year>. 

The check was verified, credited, and shows in my present balance, but Chase has placed a full hold until XX/XX/year> and will not release any portion even though the check was issued from their own institution. 

This money was approved under IRS Code 165 for emergency home repairs following a storm-related roof leak. Ive provided documentation, emailed Chases Executive Office, and explained that I am at risk of losing my vehicle to repossession and incurring additional harm due to this delay. 

I am requesting either a full release or partial access to these hardship-designated funds. This hold is excessive, harmful, and unjustified based on the verified nature of the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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 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 explanation
Consumer complaint received 2025-05-22 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: FL

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 2025-05-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
CFPB Complaint - XXXX XXXX XXXX CFPB Complaint - XXXX XXXX XXXX * * Category : * * Credit reporting > Incorrect information on your report * * Date : * * XX/XX/year> I am filing this complaint due to multiple inaccurate and derogatory tradelines that are being reported on my credit file by various creditors and collection agencies. These accounts are damaging my credit profile and appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are in dispute : XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Account shows a balance of {$2900.00} with a high credit of {$2300.00}. There is no valid documentation verifying this debt, and it is reported across multiple bureaus as a collection. 
XXXX. * * XXXX XXXX XXXX XXXX XXXX Account # XXXX * * * *, showing a past due balance of {$2200.00} and marked as a charge-off/collection across TransUnion, Experian, and Equifax . There are inconsistent remarks, and no validation of the debt was provided. 
XXXX. * * XXXX XXXX/ XXXX XXXX * * Account # XXXX * * * * reporting {$21000.00} in collection, without validation or details of account origination. 
XXXX. * * XXXX XXXX XXXX ( XXXX ) * * Account # XXXX * * * * marked as 'charged off as bad debt ', 'dispute resolved ; customer disagrees ', yet still listed as unpaid with no supporting documents. 
CFPB Complaint- XXXX XXXX XXXX XXXX. * * XXXX XXXX * * Account # XXXX * * * * reported as a charged-off revolving account with a {$150.00} past due balance. The creditor reports conflicting credit limit and balance information across bureaus. 
I have disputed these items through XXXX XXXX and submitted a debt validation request directly to the collectors. No sufficient response or documentation has been provided. Under FCRA 607 ( b ), the information must be accurate and verifiable. Continued reporting without validation is a violation of FDCPA 809 ( b ).

I am requesting that these accounts be fully investigated and, if unverifiable, permanently removed from all credit reports. If the bureaus and data furnishers continue to report without proper investigation and verification, I will escalate this to seek legal remedies under FCRA 616 and FDCPA 813.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing in response regarding an alleged debt that you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide me with proper validation of this debt. 
Please provide the following information : The name of the original creditor ; The original amount of the alleged debt ; The current amount of the alleged debt, including an itemization of all fees, interest, or charges ; A copy of the original agreement or contract bearing my signature, if applicable ; Documentation that proves you are legally authorized to collect this debt in my state ; A complete account history, showing all activity on the alleged debt. 

Until you provide the requested validation, I request that you : Cease all collection activities, Do not report this alleged debt to any credit reporting agencies, And, if you have already reported it, notify them that the debt is in dispute. 

Be advised that I am aware of my rights under the FDCPA and will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and/or the Federal Trade Commission XXXX FTC ) if my rights are violated. 

Please respond to this request within XX/XX/XXXX days, as required by law. I recommend all future correspondence be done in writing.

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 2025-05-22 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:
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 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 2025-05-22 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:
b"I am writing to file a formal complaint regarding persistent billing errors and inaccurate credit reporting by several creditors, which have been reported to Experian. I have previously disputed these late payments directly with Experian via certified mail on XXXX XXXX XXXX (Certified Mail: XXXX XXXX XXXX XXXX XXXX XXXX), a notarized copy of which was also sent, but the issues remain unresolved.\n\nThe core of my complaint is that the creditors listed below have reported late payments despite failing to comply with 15 U.S.C.  1666b(a), which requires creditors to send statements at least XXXX days before the due date. Furthermore, these creditors did not send proper statements to my address on file, which constitutes a billing error under 15 U.S.C.  1666(b)(6).\n\nThe accounts in dispute are as follows:\n\n    Account Name: XXXX    Account Number: XXXX    Disputed Late Payment Date: XXXX XXXX XXXX Name: XXXX XXXX     Account Number: XXXX    Disputed Late Payment DatesXXXX XXXX XXXX XXXX     Account Name: XXXX XXXX XXXX     Account Number: XXXX     Disputed Late Payment DatesXXXX XXXX XXXX XXXXDespite my direct communication with Experian, these inaccuracies continue to negatively impact my credit report. I have provided Experian with supporting documentation, including my XXXX Driver's License, a copy of my Social Security Card, and a utility statement from Conservice dated XXXX XXXX XXXX  to verify my identity and address.\n\nI solemnly affirm that the information provided in this complaint is true and accurate to the best of my knowledge and belief. My intention in filing this dispute is not merely to manipulate my credit standing, but to exercise my legal rights under federal consumer protection laws to ensure accurate and fair credit reporting.\n\nI request that the CFPB investigate this matter thoroughly and ensure that:\n\n  1.  All late payment notations for the aforementioned accounts are promptly removed from my credit report.\n\n    2. An updated credit report reflecting these corrections is issued to me.\n\n    3. I am notified of the investigation results.\n\nI believe these actions are necessary to rectify the inaccurate reporting and ensure compliance with federal consumer protection laws. I am available to provide any additional information or documentation required for your investigation. You may contact me at the email address provided above.\n\nThank you for your time and attention to this urgent matter.\n\nSincerely,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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
They sold this car and still show same balance. This is incorrect and old account.

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 monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered multiple fraudulent credit accounts and inquiries on my credit report that I did not open, authorize, or benefit from. These unauthorized actions have severely damaged my credit standing, even though I am not responsible for the debts in question. 

FRAUDULENT ACCOUNTS ( 2025 ) The following accounts appeared on my credit report without my consent : Credence Resource Management Collection account, {$4500.00} XXXX XXXX XXXX XXXX account, {$11000.00} I never opened or authorized these accounts, and there are no signed agreements, applications, or documentation linking me to them. 

ACTIONS I HAVE TAKEN XXXX. Filed an Identity Theft Affidavit with the FTC on XX/XX/year> XXXX. Sent formal dispute letters to TransUnion and all listed creditors/collectors XXXX. Requested validation and documentation from each debt collector per FDCPA 809 ( a ) XXXX. Demanded removal of unauthorized inquiries from XXXX XXXX and XXXX XXXX. Placed fraud alerts and began monitoring my credit XXXX. Prepared supporting documentation : ID, Social Security card, utility bill, signed letters Despite these steps, the accounts and inquiries continue to appear on my credit file, damaging my score, limiting my access to credit, and exposing me to ongoing reputational and financial harm. 

I am now seeking full relief under : FCRA 611 ( right to dispute and deletion of unverifiable info ) FCRA 604 ( a ) ( unauthorized access to credit ) FDCPA 809 ( validation of debt ) FCRA 616617 ( civil liability for willful or negligent violations )

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 2025-05-22 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: FL

Complaint narrative:
Dear CFPB I have never given this company any permissible purpose or authorization to make a hard inquiry or report this account on my credit report. This is fraud and I demand that the account be removed immediately. I have never done business with this company. 

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 XXXX ( Bank ). XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-22 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: NC

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 response to consumer: Closed with non-monetary relief