vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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 am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX This account is a duplicate account and was being reported at the same time as : XXXX XXXX XXXX XXXX I have enclosed a copy of the same FTC Identity Theft Report I previously submitted when I disputed the collection account ( XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop reporting this account as it is a FRAUDULENT account and a DUPLICATE account. Your company is in direct violation with Fair Credit Reporting Act ( FCRA ). The FCRA prohibits the credit bureaus from using abusive, unfair, or deceptive practices, and a refusal to acknowledge or act upon an FTC report could be seen as a form of deception or unfair practice. This is considered double jeopardy. " Double jeopardy '' on a credit report refers to when the same debt is reported multiple times, potentially by both the original creditor and a debt collector, even though they are related. This can happen if a debt is sold to a collection agency, and both parties report it to the credit bureaus.

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 2025-06-02 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: CA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX This account is a duplicate account and was being reported at the same time as : XXXX XXXX XXXX XXXX I have enclosed a copy of the same FTC Identity Theft Report I previously submitted when I disputed the collection account ( XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop reporting this account as it is a FRAUDULENT account and a DUPLICATE account. Your company is in direct violation with Fair Credit Reporting Act ( FCRA ). The FCRA prohibits the credit bureaus from using abusive, unfair, or deceptive practices, and a refusal to acknowledge or act upon an FTC report could be seen as a form of deception or unfair practice. This is considered double jeopardy. " Double jeopardy '' on a credit report refers to when the same debt is reported multiple times, potentially by both the original creditor and a debt collector, even though they are related. This can happen if a debt is sold to a collection agency, and both parties report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: OH

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} Chapter XXXX Bankruptcy Dismissed Reference # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-02 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: OH

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} Chapter XXXX Bankruptcy Dismissed Reference # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Paid in full to XXXX on XX/XX/year>. Posted XX/XX/year>. Letter attached as proof from XXXX XXXX XXXX XXXX XXXX  card services. 

Disputed Account Details : Creditor Name : [ XXXX XXXX XXXX  XXXX  Rewards Card Account Number ( XXXX ) Issue : The current balance is reported inaccurately. As of [ date ], the correct balance should be {$0.00} not the amount currently listed. 

Under FCRA 607 ( b ), you are required to ensure maximum possible accuracy in credit reporting. I also remind you of your obligations under FCRA 611 to investigate this dispute and correct or delete any inaccurate or unverifiable information immediately. Please do not make this a 30 day investigation and update writhing 4 days.

Enclosed are documents supporting my claim : letter from bank statement Screenshot of account balance from my online banking [ letter from XXXX XXXX XXXX XXXX  XXXX  ] Please complete your investigation and provide a written response detailing your findings and any corrections made. If this issue is not resolved within 30 days, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action for damages under the FCRA.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You are known for deceiving consumers and a conspiracy for Monteregane. The FCR Act promotes accuracy, fairness, and privacy. The CRA requires blocking reporting of information related to IDENTITY THEFT 605 ( B )

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 2025-06-01 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: NC

Complaint narrative:
The fair debt collection practices act prohibits debt collectors from using deceptive or unfair practices, including potentially misreporting debts between credit reporting agencies. It also requires collectors to provide accurate information and follow fair practices when reporting debts. If a collection agency is reporting a debt without proper information or documentation with your consent it violates the FDCPA. Which XXXX XXXX XXXX XXXX violated on cfpb complaint on XX/XX/year> I submitted I ask them to provide information and they never provided it. So 2 years later XXXX XXXX XXXX XXXX put the same accounts on my equifax and experian XXXX XXXX XXXX asso {$2900.00} {$3500.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 recently reviewed my credit report and found U.S. Bankruptcy Court public record items listed under my credit profile. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I have received official correspondence from the U.S. Bankruptcy Court which clearly states that they do not furnish data to any credit reporting agencies, nor do they verify or validate public record information. These details are often reported by third-party data aggregators without consumer authorization or original creditor verification. 

Furthermore, my inquiry with both the County Recorder of Deeds and the U.S. Bankruptcy Court confirms that Equifax, TransUnion, and Experian have never verified these public records with them. They have also confirmed that they are not liable for incorrect, outdated, or misused public records reported on consumer credit profiles. 

Because these public record entries were not validated by the actual sourcethe U.S. Bankruptcy Courtand are instead reported by unreliable third parties, their presence on my credit report is a violation of FCRA law. I demand that all bankruptcy and tax lien information currently listed under my Social Security number be permanently deleted from my credit file. 

In accordance with FCRA 623 ( a ) ( 3 ), I also formally request : Copies of all documentation used to verify these public records. 

The name of the party that furnished the data. 

Proof of a court order or signed release authorizing this information to appear on my credit report. 

Failure to provide the above documentation within 30 days, as required by federal law, will constitute a further violation of the Fair Credit Reporting Act and will be escalated to the Consumer Financial Protection Bureau and other authorities. 

Please consider this a formal dispute and request for deletion. I expect to receive a response in writing within 30 calendar days.

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 2025-06-01 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: TX

Complaint narrative:
I recently reviewed my credit report and found U.S. Bankruptcy Court public record items listed under my credit profile. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I have received official correspondence from the U.S. Bankruptcy Court which clearly states that they do not furnish data to any credit reporting agencies, nor do they verify or validate public record information. These details are often reported by third-party data aggregators without consumer authorization or original creditor verification. 

Furthermore, my inquiry with both the County Recorder of Deeds and the U.S. Bankruptcy Court confirms that Equifax, TransUnion, and Experian have never verified these public records with them. They have also confirmed that they are not liable for incorrect, outdated, or misused public records reported on consumer credit profiles. 

Because these public record entries were not validated by the actual sourcethe U.S. Bankruptcy Courtand are instead reported by unreliable third parties, their presence on my credit report is a violation of FCRA law. I demand that all bankruptcy and tax lien information currently listed under my Social Security number be permanently deleted from my credit file. 

In accordance with FCRA 623 ( a ) ( 3 ), I also formally request : Copies of all documentation used to verify these public records. 

The name of the party that furnished the data. 

Proof of a court order or signed release authorizing this information to appear on my credit report. 

Failure to provide the above documentation within 30 days, as required by federal law, will constitute a further violation of the Fair Credit Reporting Act and will be escalated to the Consumer Financial Protection Bureau and other authorities. 

Please consider this a formal dispute and request for deletion. I expect to receive a response in writing within 30 calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Both of my Chase Bank credit XXXX : XXXX XXXX and XXXX : XXXX XXXX closed at the same time. I dont know the reason, and when I called Chase Bank XXXX they didnt provide any explanation. I need them to reinstate my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: OH

Complaint narrative:
I am a victim of identity theft exposed in the Equifax Databreach. I have fraudulent information reporting on my credit report such as names, accounts, addresses and more. That I have no knowledge of. In accordance to FCRA specifically 15. U.SC.C 1681c-2, 1681b, 1681s-2. I am asserting my rights as an identity theft victim. Please remove the following information from my credit report in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized accountslisted below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the TransUnion Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these accounts. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00}

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 2025-06-01 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:
Whom It May Concern, I XXXX XXXX writing to formally dispute two late payments that appear on my consumer credit report associated with the following account : Account Name : XXXX  opening day, XX/XX/XXXX XXXX XXXX  XXXX date, XX/XX/XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. I am requesting a thorough investigation into this matter and that you provide documented proofsuch as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. 

Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt resolution. 
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 non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Whom It May Concern, I XXXX XXXX writing to formally dispute two late payments that appear on my consumer credit report associated with the following account : Account Name : XXXX  opening day, XX/XX/XXXX XXXX XXXX  XXXX date, XX/XX/XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. I am requesting a thorough investigation into this matter and that you provide documented proofsuch as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. 

Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to formally dispute multiple late payment reports associated with credit card accounts that I have no knowledge of and have never authorized or opened. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate information to credit reporting agencies. The reporting of these late payments is inaccurate and violates my rights under the FCRA. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits the use of false, deceptive, or misleading representations regarding debts. 
The following accounts are fraud and should be removed immediately, Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reporting late payments on an account that I did not authorize constitutes a violation of this statute. I request that the CFPB investigate this matter and direct the creditor to : Provide verifiable proof that I am legally responsible for this account ; and Remove all inaccurate late payments and accounts from my credit report. These false late payments are causing harm to my credit standing and affecting my financial stability. I have the right to accurate reporting, and I urge swift action to correct this matter. 

My FTC report # is 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing a bankruptcy entry on my credit report bc the U.S. Bankruptcy Court has confirmed they do not provide this information to credit reportin agencies. As required under the Fair Credit Reporting Act ( FCRA 611 ), all reported inforation must be accurate and verifiable. Since the court is not the source, I am requestin that u remove this unverifiable item from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services
State: CO

Complaint narrative:
Got approved for an auto loan through Lendmark Financial Services in XXXX XXXX XXXX CO, in XX/XX/year>. They said they would do all of the title work, I told them it will not pass emissions multiple times. The county i live in will not register the vehicle without it passing emissions. I have been watching my credit during this time and they have reported inaccurate numbers. So, I can not tag or register a vehicle that i am making high payments on and paying full coverage insurance on. I've tried multiple times to get a resolution to just this matter and this branch of lend mark has been horribly uncooperative. 
Lendmark has tried multiple collection type calls, almost daily. My account is paid up to date and ahead of schedule at that. Lendmark got me into a horrible money pit. I directly do know the resolution.

Company response to consumer: Closed with explanation