vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization.

Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX ) XXXX XX/XX/XXXX Equifax Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions.

Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXXXXXX XXXX XXXXXXXX

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 2025-08-08 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: KY

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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 2025-08-08 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: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
i dispute the amount of {$90.00} form XXXX. I was requested for more info about the dispute, the agent told me she would send an email about the info requested on XX/XX/year> so i can send back at my convenience, the email never came. by the following week, i still didnt have the email, when i was able to contact by phone to inquire about the email, the agent then said that i needed to submit information by XX/XX/XXXX which gave me only two days, but they said they can still send the dispute in with the info they already had. i wasnt able to get the statement from the mechanic but when i contacted them again, they said the dispute period has ended.

I was misinformed twice, so at this point i cant work with them anymore

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 2025-08-08 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: LA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-08 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: MN

Complaint narrative:
The account XXXX XXXX XXXX  has multiple inaccuracies that violate the Fair Credit Reporting Act. The account contains inconsistent and inaccurate information across the credit bureaus, specifically regarding the Date of Last Payment. The High credit reported as {$810.00} on Transunion and Equifax, but {$0.00} on XXXX. The credit limit is missing entirely from Equifax. The " Date Last Active '' differs across the bureaus. Also the Conflicting comments and charge-off notations. The payment history coding does not align with last payment and charge-off dates. These inconsistencies indicate that the information being reported is inaccurate and 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
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am addressing a significant concern regarding a collection entry from your agency that has appeared on my credit file without any prior notification to me. This unexpected collection has raised serious questions about the accuracy and legitimacy of the debt being claimed, as I have no recollection of owing this amount or receiving proper notice before it was placed for collection. Under the Fair Debt Collection Practices Act, I have the fundamental right to request and receive complete validation of any debt claimed against me, and I am hereby exercising that right by demanding comprehensive documentation proving the validity of this alleged obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: HI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint against certain credit reporting agencies and furnishers for reporting inaccurate, unverifiable, and misleading information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 604, 607, 609, and 611, and in some cases, the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ).

The following personal addresses are being falsely reported as my past or current residences, which is completely inaccurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure all addresses reported are accurate and up-to-date to protect consumer rights.

Story : This incorrect address has been unfairly listed on my credit file without my consent. It causes significant damage to my financial reputation, resulting in difficulties with banking, loan approval, and identity verification. Despite repeated requests for correction, no remedial action has been taken, severely affecting my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Wrong Address Law : Per FCRA section 15 U.S.C. 1681e ( b ), reasonable procedures must be employed to ensure maximum accuracy of credit reporting data.

Story : I have never lived at this address. Its unauthorized listing restricts my access to jobs, loans, and exposes me to breaches of personal data. Persistent correction requests have been ignored, perpetuating this harmful error. 

XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$10000.00} Issue : Late Payment Law : FCRA 1681c-2 and the Equal Credit Opportunity Act provide for error correction and equal treatment in credit reporting.

Story : The reported late payment is incorrect ; I have made all payments on time. This inaccurate reporting harms my credit score and reduces my access to further credit. The error remains despite formal disputes demanding prompt correction. 

XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$520.00} Issue : Late Payment Law : FCRA dispute provision ( 1681i ) requires erroneous information to be corrected upon dispute.

Story : The late payment record shown is false. It negatively affects my financial history with no basis. Despite my disputes, the incorrect data is still present, causing unwarranted damage.

Requested Resolution : I request that the CFPB investigate these violations, require the credit reporting agencies and furnishers to provide complete validation with original documentation, and if they can not, order the immediate deletion of these inaccurate entries. Furthermore, I request a written confirmation of all actions taken.

If these errors are not corrected, I reserve the right to pursue legal action for damages under FCRA 616 & 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I share this account with my son, XXXX XXXX and we filed a fraud claim with Chase regarding unauthorized XXXX XXXX transactions that occurred in the state of Ohio. We've never been to the State of Ohio. The store where the purchases where made is only in the XXXX states ( XXXX ). Even if the purchases where not in person and were digital, this store does not ship goods to California. 

Chase denied the claim, stating that the device ID matched past transactions and there were no password changes or login failures. However, they refused to provide : Any evidence of the device or IP used Proof of biometric/passcode authorization Location of the transaction Whether it was in-store or online I confirmed only one XXXX device is linked to the account and never left my possession. Under Regulation E, the burden is on the bank to prove the transaction was authorized. Chase has not met that standard. 

I requested documentation in writing, and they declined. Their investigation is insufficient, and they are unfairly denying the claim without proper evidence. I am requesting the CFPB assist in compelling Chase to : Provide the evidence they used to deny my claim Refund the unauthorized transaction Reopen the case if needed for full investigation I will attached all written correspondence with Chase. However, we have made numerous calls and visited our local branch. Our local branch could not even provide us with any proof that these transactions were made by us. They agreed this did not seem right at all and tried to help us but it went back to the main executive office and they are still denying our claim without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
A late payment is currently reported on my credit file, which I dispute as inaccurate. My documented payment history confirms that all payments were made before the due date. This false entry is damaging my financial credibility and does not meet the accuracy standards mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief