vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
I am filing this complaint because several items listed on my TransUnion report are charged-off accounts or other records that I believe to be inaccurate or unverifiable. 

Charged-Off 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 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 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 2025-11-11 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: FL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-11 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: FL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: LA

Complaint narrative:
On the date of XX/XX/XXXX I was sent XXXX $ from a friend name XXXX XXXX on Cash App meaning he cash apped me XXXX $ which means my total balance on Cash App is XXXX $ because I dont keep cash on my Cash App. I made a purchase of XXXX $ and it went through but then it also charged more money then another XXXX $ which cause my balance to be negative XXXX $ and now I can no longer use Cash App because they closed it it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 disputing the following credit reporting inaccuracies with the credit bureaus and requesting their prompt investigation and resolution. These disputes concern charged-off accounts, inquiries, positive accounts, and late payments. Please refer to the details below for each bureau. 


Charged Off Accounts : XXXX  ( Account Number : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$2200.00} XXXX  XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX | Balance : {$3900.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX  ( Account Number : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand these accounts be removed immediately. I am attaching an FTC report. I can also provide a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-11 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: NJ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute certain accounts on my credit report that contain inaccurate information. I request that these items be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question : Charged Off Accounts : XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$5600.00} Inquiries : XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX Late Payment : XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 2025-11-11 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:
This complaint is deliberate and not made in error. I have reached out to the credit bureau several times requesting that all dispute remarks be removed and that any investigations for accounts I am no longer disputing be closed. Despite my repeated attempts, these dispute notations continue to appear on my credit report. These lingering comments are creating unnecessary setbacks, particularly as I am in the process of applying for a mortgage. The continued presence of in dispute or similar language misrepresents my actual credit standing and is interfering with my approval process.

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 2025-11-11 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: NY

Complaint narrative:
I am disputing certain information on my Equifax credit report that appears to be inaccurate or unverifiable.

1. Charged-Off Accounts : XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX, Account XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$8500.00} I do not believe these accounts are being reported accurately or with proper documentation. I am requesting verification of the original creditor, date of first delinquency, and any documentation showing that the balances and charge-off status are valid. If this information can not be verified in full, please remove these accounts from my report. 

XXXX. Late Payment : XXXXXXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX I believe the late payment history on this account may be inaccurate. Please verify the reporting dates and amounts directly with the creditor and remove any incorrect or unverifiable late payment entries. 

Thank you for conducting a reinvestigation under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 submitting this complaint to dispute inaccuracies in my credit reports as provided by the credit bureaus. Below are the details of the accounts in dispute across the three bureaus. I respectfully request that an investigation be initiated, and any inaccuracies be corrected. 
Charged-Off Accounts : [ Account Name ] Account Number : [ Account Number ] Account Date : [ Account Date ] Balance : [ Balance ] Inquiries : XXXX Account Date : XX/XX/year> XXXX  Account Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am disputing the following items on my Experian credit report. Please investigate the accuracy of the information provided below. 

Charged-Off Account : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$44000.00} Inquiries : Account Name : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : Account Name : XXXX XXXX  Account Number : 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the accuracy of a 30-day late payment being reported on my credit file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for XX/XX/year>. 

I have never received verifiable proof or documentation confirming the accuracy of this alleged delinquency. I mailed formal dispute letters to all three credit bureaus on XX/XX/year>, requesting verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

This entry is inaccurate and misleading, and it does not reflect my established payment history with XXXX XXXX XXXX XXXX. The continued reporting of this unverifiable information has caused measurable harm to my creditworthiness, including a lower credit score, adverse credit decisions, and reputational damage.

Under the FCRA, you are required to conduct a reasonable reinvestigation and remove or correct any information that can not be verified as accurate and complete. I request that this account be reviewed thoroughly and that the bureaus obtain documentation directly from XXXX XXXX XXXX XXXX confirming the alleged late payment with clear evidence. 

If such documentation can not be produced, the item must be deleted immediately to comply with 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My Chase general PIN was changed without my knowledge. I was able to access my account on XX/XX/XXXX and now on XX/XX/XXXX I can not. I receive an error that my chase pin is incorrect. I am currently waiting for my replacement debit card to arrive so I use the chase atm with apple pay to take out cash to be able to go to and from work. I got on the phone with customer service and they notified me that they changed the pin two days ago and can not give me the updated pin. I now can not take out cash and I am stuck in XXXX in XXXX degree temperature with no ability to get a train home or a hotel. I am now stranded with no access to my account and every chase agent I call hangs up on me or tells me theres nothing they can do and to wait for the mail to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Ive been trying to close out my account and get an unauthorized ACH returned to me in the amount of {$1500.00}. Amex refuses to investigate and return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureau is reporting inaccurate information that I previously disputed.The furnishers failed to provide proper verification under the fair credit reporting act ( FCRA ) .yet the information remains on 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 2025-11-11 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:
Please assess the enclosed materials ; the questions were submitted without prior warning and may not be sanctioned.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 non-monetary relief