vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identity theft for a long time on my three ( 3 ) report.and i ask for help to remove them but help from them & it's affecting my report badly.Things on EQUIFAX : XXXX XXXX  ( XXXX ) XXXX/ XXXX  : / ( XXXX ) XXXX XXXX XXXX. : / Transunion : XXXX. : XXXX ; XXXX : XXXX ; XXXX  ( XXXX ) / XXXX XXXX EXPERIAN : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaints to dispute several inaccuracies on my credit reports and request that these errors be corrected. Upon reviewing my credit reports, I found multiple discrepancies that require immediate attention. 
First, I noticed the charge-off for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, which has been reported across all three bureaus : Experian, Equifax, and TransUnion. As this amount exceeds {$600.00}, I am requesting that it be reported under the XXXX ( Cancellation of Debt ) rules. Under FCRA 623 ( a ) ( 2 ), creditors are required to report accurate and updated information, and this charge-off has not been properly reported in terms of its status and balance across all three bureaus. I request that the charge-off be updated or removed as appropriate. 
Additionally, I noticed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$6000.00}, is listed incorrectly across Experian, Equifax, and TransUnion. As per FCRA 607 ( b ), which mandates that credit bureaus maintain the accuracy of all information reported, If it can not be verified, I request that it be removed. 
Furthermore, the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on Experian with a balance of {$5700.00} should reflect a {$0.00} balance, as this was paid off. Under FCRA 1666a and XXXX ( Cancellation of Debt ) rules, if a payment is made, the account must reflect the accurate balance. I believe this error is due to oversight, and I request it be removed immediately. 
Moreover, I noticed an inquiry from XXXX XXXX XXXX XX/XX/year> reported in Experian, which was made without my permission. This violates FCRA 604 ( a ) ( 3 ), which states that credit inquiries must be made with the consumer 's consent. This inquiry should be removed. 
The FCRA 611 ( 15 U.S.C. 1681i ) further stipulates that any item which can not be verified within 30 days must be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaints to dispute several inaccuracies on my credit reports and request that these errors be corrected. Upon reviewing my credit reports, I found multiple discrepancies that require immediate attention. 
First, I noticed the charge-off for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, which has been reported across all three bureaus : Experian, Equifax, and TransUnion. As this amount exceeds {$600.00}, I am requesting that it be reported under the XXXX ( Cancellation of Debt ) rules. Under FCRA 623 ( a ) ( 2 ), creditors are required to report accurate and updated information, and this charge-off has not been properly reported in terms of its status and balance across all three bureaus. I request that the charge-off be updated or removed as appropriate. 
Additionally, I noticed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$6000.00}, is listed incorrectly across Experian, Equifax, and TransUnion. As per FCRA 607 ( b ), which mandates that credit bureaus maintain the accuracy of all information reported, If it can not be verified, I request that it be removed. 
Furthermore, the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on Experian with a balance of {$5700.00} should reflect a {$0.00} balance, as this was paid off. Under FCRA 1666a and XXXX ( Cancellation of Debt ) rules, if a payment is made, the account must reflect the accurate balance. I believe this error is due to oversight, and I request it be removed immediately. 
Moreover, I noticed an inquiry from XXXX XXXX XXXX XX/XX/year> reported in Experian, which was made without my permission. This violates FCRA 604 ( a ) ( 3 ), which states that credit inquiries must be made with the consumer 's consent. This inquiry should be removed. 
The FCRA 611 ( 15 U.S.C. 1681i ) further stipulates that any item which can not be verified within 30 days must be removed from the credit 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 2025-11-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


Delete the accounts below : Inquiry - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-27 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXXXX/XX/XXXXBalance : {$2200.00} Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2800.00} Date of Last Payment : XX/XX/XXXX XXXX. Violation of the Fair Credit Billing Act 15 U.S.C. XXXXa Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
XXXX. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. XXXX This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
XXXX. Violation of the Fair Credit Reporting Act 15 U.S.C. XXXX ( i ) ( XXXX ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
XXXX. Violation of Furnisher Responsibilities 15 U.S.C. XXXX Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-11-27 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXXXX/XX/XXXXBalance : {$2200.00} Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2800.00} Date of Last Payment : XX/XX/XXXX XXXX. Violation of the Fair Credit Billing Act 15 U.S.C. XXXXa Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
XXXX. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. XXXX This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
XXXX. Violation of the Fair Credit Reporting Act 15 U.S.C. XXXX ( i ) ( XXXX ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
XXXX. Violation of Furnisher Responsibilities 15 U.S.C. XXXX Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Begining on XX/XX/XXXX and going through XX/XX/year>, Chase charged me a series of XXXX {$10.00} fees for purchases made through XXXX. Upon investigation, I discovered that Chase had processed these charges for goods purchase through XXXX as cash advances instead of credit purchases. I told them no such cash advances were authurized by me, but I had made purchases as I had done hundreds of times via XXXX for XXXX. They told me to contact XXXX as that was where the charges originated. XXXX told me that they are not set up to even make cash advance charges. Back to Chase who told me they would try to revese the cash advance charges. They were able to do so with XXXX of the charges. In the meantime, other purchases via XXXX to XXXX were processed as normal. This happened as soon as I caught this error and brought it to their attention. This seems suspect. They also mentioned they had found anecdotal evidence on the internet that this was happening but could take to action as the sources were not authoritative. They also said I should ask XXXX to refund the charges, a statement that was later denied by a supervisor at Chase. Chase also said I could not dispute the charges because they were authorized by me, even though there was a failure to adhere to the terms of sale. They said I had no recourse and had to pay the fees and interest on the cash advances that they made without my knowledge or aproval. I am no lawyer, but I fail to see how this is not a decpetive trade practice under XXXX. Doing things I have not approved nor have knowledge of and saying I have no recourse. I asked Chase if there were a way to disable the cash advance feature of the card and they said no. So to me that means they can charge me for a cash advance that I did not authorize anytime they want. I asked them to look at the decades long relationship and my excellent pay record. They didn't care. I told them the reason I was using a third party like XXXX was to protect the bank from fraud. They didn't care. I told them to look at the car note I have cosigned with my son and see that those payments were above the minimum required and that the current interest they were getting was in excess of {$150.00} per month. They didn't care. I told them it was clear they didn't care about their customers and that I would be taking my business elsewhere when this issue has a final resolution. They didn't care. I told them I felt they were in violation of XXXX, they didn't care. I finally told them since I had no voice and was stuck between conflicting stories of XXXX different companies I would have no choice but to file a complaint with CFPB. They REALLY didn't care about that. They finally hung up on me in the middle of a question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaints to dispute several inaccuracies on my credit reports and request that these errors be corrected. Upon reviewing my credit reports, I found multiple discrepancies that require immediate attention. 
First, I noticed the charge-off for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, which has been reported across all three bureaus : Experian, Equifax, and TransUnion. As this amount exceeds {$600.00}, I am requesting that it be reported under the XXXX ( Cancellation of Debt ) rules. Under FCRA 623 ( a ) ( 2 ), creditors are required to report accurate and updated information, and this charge-off has not been properly reported in terms of its status and balance across all three bureaus. I request that the charge-off be updated or removed as appropriate. 
Additionally, I noticed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$6000.00}, is listed incorrectly across Experian, Equifax, and TransUnion. As per FCRA 607 ( b ), which mandates that credit bureaus maintain the accuracy of all information reported, If it can not be verified, I request that it be removed. 
Furthermore, the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on Experian with a balance of {$5700.00} should reflect a {$0.00} balance, as this was paid off. Under FCRA 1666a and XXXX ( Cancellation of Debt ) rules, if a payment is made, the account must reflect the accurate balance. I believe this error is due to oversight, and I request it be removed immediately. 
Moreover, I noticed an inquiry from XXXX XXXX XXXX XX/XX/year> reported in Experian, which was made without my permission. This violates FCRA 604 ( a ) ( 3 ), which states that credit inquiries must be made with the consumer 's consent. This inquiry should be removed. 
The FCRA 611 ( 15 U.S.C. 1681i ) further stipulates that any item which can not be verified within 30 days must be removed from the credit 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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never had this account and dispute its validity.

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 2025-11-27 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX XXXX. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX XXXX. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under XXXX U.S.C. XXXX, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX U.S.C. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate 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 explanation