vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is factual and verifiable. I am requesting that these accounts be reviewed, and if they can not be confirmed as accurate, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am letting you all know you finally XXXX  XXXX so long I got a law firm and I am suing. 

Experian lists my Identity theft in their dark web report but refuses to fix my report. 

TransUnion lowers my score every time I provide proof their information is incorrect. 

You CFPB XXXX XXXX  XXXX XXXX TO PROTECT ME. 

I am DONE WITH YOUR LUNACY. NOW THE THREE OF YOU GO DOWN Equifax is the only company who has repaired my report. They are NOT being sued.

My engagement letter to my law firm is attached, just so you XXXX understand this is really happening.

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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My credit score is down due to this false information that I have disputed to maximum attempts of getting this taken off. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX  XX/XX/XXXX -- {$3500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
I went to purchase something from a merchant which was on back order and delayed. I disputed the transaction. The merchant approved the charge back and sent my money back to me. I have been waiting over two weeks to receive my money back from Cash app. They said that the dispute can take 45 days. I dont understand why I havent received my money when the merchant approved the charge back and sent my money to Cash app. Cash app has been holding my money ever since they have not given me an update or a resolution regarding my funds, I have {$700.00} that is lost and they arent giving me any information about it and have not put the money back to my account. I spoke to the merchant numerous of times and they said that they approved the chargeback and cash app went in and took that money out of their account for that transaction. I have not received it and Cash App has not given me any update regarding this and its been over two weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: 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. 

XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX Bankruptcy - XXXX List of Unauthorized Inquiries : XXXX  - XXXX/XXXXXXXX XXXX - XXXX/XXXXXXXX  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 ) ( 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.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The late payment ( s ) on my account occurred while I was incarcerated, which made it impossible for me to manage my financial obligations at that time. Since my release, Ive taken steps to get back on track, including making timely payments and addressing past balances.

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 2025-09-19 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: IL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of my XXXX XXXX  account on my credit report. The way this account is being reported does not accurately reflect the true payment history or current status. This misreporting is damaging my credit profile and is not in compliance with the Fair Credit Reporting Act ( FCRA ) .Details of Inaccuracy : The account is being reported in a manner that is misleading and incomplete. 
Information furnished appears inconsistent with the actual history of the account. 
This inaccurate reporting negatively impacts my creditworthiness and ability to access fair financial opportunities.FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.

FCRA 611, 15 U.S.C. 1681i : Grants the right to dispute inaccurate or incomplete information, requiring reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of my XXXX XXXX  account on my credit report. The way this account is being reported does not accurately reflect the true payment history or current status. This misreporting is damaging my credit profile and is not in compliance with the Fair Credit Reporting Act ( FCRA ) .Details of Inaccuracy : The account is being reported in a manner that is misleading and incomplete. 
Information furnished appears inconsistent with the actual history of the account. 
This inaccurate reporting negatively impacts my creditworthiness and ability to access fair financial opportunities.FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.

FCRA 611, 15 U.S.C. 1681i : Grants the right to dispute inaccurate or incomplete information, requiring reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Date Opened : XX/XX/XXXX Status Shown : Account charged off, balance {$1100.00}, last payment XX/XX/XXXX Complaint I am filing this complaint regarding inaccurate, misleading, and incomplete reporting of my Comenity Bank/Wayfair account .

Inaccura

te Reporting of Charge-Off & Balance The account is being reported as charged off with a balance of {$1100.00}.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. 

Once an account is charged off, continuing to update it with a past due status and balance is misleading because the debt has already been written off. It creates the appearance of ongoing delinquency and damages my credit standing unfairly. 

Re-aging of Delinquencies The payment history shows continuous CO ( charge-off ) notations for multiple months into XXXX. 

Under FCRA 605 ( c ) and CFPB guidance, negative accounts must be reported based on the date of first delinquency ( DOFD ), not extended forward. This appears to be a case of illegal re-aging, where the delinquency clock is being improperly reset.

Failure to Update Accurate Status My last payment was XX/XX/XXXX, yet the account is still being reported as if delinquent each month afterward. This is misleading under FCRA 1681i ( a ) ( requirement to assure maximum possible accuracy ).

The CO notations beyond the charge-off date make it appear as if I am continuing to default monthly, which is not accurate.

Potential Double Reporting of Debt The account reflects both a charged-off status and an active balance due. According to the FDCPA ( Fair Debt Collection Practices Act ) and CFPB guidance, reporting must not be deceptive or misleading. If the creditor has written off the balance, continuing to report it as a current delinquency is misleading. 

I attempted to dispute this with all the credit bureaus but there were no changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The late payment ( s ) on my account occurred while I was incarcerated, which made it impossible for me to manage my financial obligations at that time. Since my release, Ive taken steps to get back on track, including making timely payments and addressing past balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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 formally disputing the reporting of the charged-off account ( XXXX ) listed on my credit report. The information being reported is inaccurate, unverifiable, and misleading. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to request full validation and verification of any account being reported against me. Unless the reporting furnisher can provide legally admissible documentationsuch as a signed contract, complete payment history, and proof of ownership of this alleged debtthe account must be deleted immediately from my credit file.

Continuing to report this charged-off account without proper validation is a direct violation of the FCRA and my consumer rights. I am demanding prompt investigation, removal of this inaccurate information, and written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have made more than one attempt to correct the issue, and all three credit bureaus have refused to properly correct the issue. they have even refused to properly investigate the issue. I recently applied for a mortgage loan and found inquires that I have not given consent to. when contacting company 's listed on the report, they seem to be auto financing company 's I have not given consent, nor have I applied for any auto financing in the pass 3 years please have these bureaus remove the inaccurate information from my credit reports XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2025-09-19 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: CA

Complaint narrative:
Date Opened : XX/XX/XXXX Status Shown : Account charged off, balance {$1100.00}, last payment XX/XX/XXXX Complaint I am filing this complaint regarding inaccurate, misleading, and incomplete reporting of my XXXX XXXX account XXXX 

Inaccurate Reporting of Charge-Off & Balance The account is being reported as charged off with a balance of {$1100.00}.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. 

Once an account is charged off, continuing to update it with a past due status and balance is misleading because the debt has already been written off. It creates the appearance of ongoing delinquency and damages my credit standing unfairly. 

Re-aging of Delinquencies The payment history shows continuous CO ( charge-off ) notations for multiple months into XXXX. 

Under FCRA 605 ( c ) and CFPB guidance, negative accounts must be reported based on the date of first delinquency ( DOFD ), not extended forward. This appears to be a case of illegal re-aging, where the delinquency clock is being improperly reset. 

Failure to Update Accurate Status My last payment was XX/XX/XXXX, yet the account is still being reported as if delinquent each month afterward. This is misleading under FCRA 1681i ( a ) ( requirement to assure maximum possible accuracy ).

The CO notations beyond the charge-off date make it appear as if I am continuing to default monthly, which is not accurate.

Potential Double Reporting of Debt The account reflects both a charged-off status and an active balance due. According to the FDCPA ( Fair Debt Collection Practices Act ) and CFPB guidance, reporting must not be deceptive or misleading. If the creditor has written off the balance, continuing to report it as a current delinquency is misleading. 

I attempted to dispute this with all the credit bureaus but there were no changes made.

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