vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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 writing to raise a formal dispute regarding a hard inquiry that appears on my credit report. I have carefully reviewed my records and can confirm that I did not grant authorization for this inquiry, nor did I initiate any credit application that would justify it.

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 2025-07-07 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: IL

Complaint narrative:
Chase Bank abruptly closed my checking account and stated that I was abusing the dispute process. However, this is an inaccurate and unfair characterization of what occurred. I only submitted disputes through Chase after XXXX failed to properly resolve multiple issues regarding missing, incorrect, or undelivered items. Because I had a large number of returns to manage, I reached out to XXXX for advice and assistance. I followed the guidance given by XXXX customer service regarding these returns. However, XXXX later denied providing that guidance and refused to process appropriate refunds. Despite my attempts to resolve the issue directly with XXXX, they did not offer the refunds I was entitled to, which forced me to rely on Chases dispute process as a last resort. I always reached out to XXXX first to request refunds and attempted to resolve the issues directly with them. When XXXX refused or failed to provide the appropriate refundsdespite following their customer service adviceI had no choice but to escalate the matter to Chase by submitting disputes. Additionally, I have maintained high spending amounts on my Chase credit card, consistently paying my bills on time. This demonstrates that I have been a responsible and valuable customer, not someone attempting to abuse the banks services. Chase never contacted me with any warning or request for clarification about my dispute history. I was not informed that my account was at risk of closure. Instead, I received a sudden notice that my account was closed and that I was no longer allowed to bank with Chase. Furthermore, there is a credit balance remaining on my account that Chase is currently withholding. I am also requesting a refund for the annual fee I paid, as Chase chose to cancel my account prematurely. Why this matters : I used the dispute process responsibly and only when I felt I had no other option. I believe Chase has mishandled this situation and penalized me unfairly for attempting to protect myself from merchants who failed to deliver or refund appropriately. Given my responsible credit usage and timely payments, I expect fair treatment as a valued customer. These inaccurate entries have significantly impacted my credit score and financial standing. I would like CFPBs assistance in holding them accountable and ensuring fair treatment for consumers who are simply trying to assert their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 disputing a hard inquiry reflected on my credit report that was placed without my authorization. I did not initiate any transaction, service, or credit application with the party that performed this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 disputing a collection account that appears on my credit file without any proper verification. I exercised my right to request debt validation but received no sufficient response or documentation linking this debt to me. Despite that, the account is still being reported, which is unacceptable.

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 2025-07-07 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: GA

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
FCRA Violation / Request for Immediate Deletion To Whom It May Concern, I am writing to address a serious issue regarding the reporting of the account associated with XXXX on XXXX XXXX. Upon reviewing my credit reports, Ive identified that your tradeline may be * * illegally re-aged * *, which constitutes a violation of the * * Fair Credit Reporting Act ( FCRA ) * * under Section 605 ( c ). Specifically : - The * * Date Opened, Date of Status, and/or Last Updated * * do not reflect the * * true date of first delinquency * *. - The account is being reported with a date that artificially extends the XXXX reporting limit. Under FCRA guidelines, this account should have been * * removed based on the original date of delinquency * *, not a later date of placement or collection activity. I am formally requesting that you : XXXX. * * Immediately delete this account * * from all credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX. * * Cease all reporting of this account * *, as continued reporting in its current form violates federal law If this request is not honored within 15 days, I will file a formal complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * and consider legal action for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 2025-07-07 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: CA

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : XXXX, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$370.00} '' XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-07 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 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 explanation
Consumer complaint received 2025-07-07 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: FL

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 2025-07-07 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:
FCRA Violation / Request for Immediate Deletion To Whom It May Concern, I am writing to address a serious issue regarding the reporting of the account associated with XXXX on XXXX XXXX. Upon reviewing my credit reports, Ive identified that your tradeline XXXX be * * illegally re-aged * *, which constitutes a violation of the * * Fair Credit Reporting Act ( FCRA ) * * under Section 605 ( c ). Specifically : - The * * Date Opened, Date of Status, and/or Last Updated * * do not reflect the * * true date of first delinquency * *. - The account is being reported with a date that artificially extends the 7-year reporting limit. Under FCRA guidelines, this account should have been * * removed based on the original date of delinquency * *, not a later date of placement or collection activity. I am formally requesting that you : XXXX. * * Immediately delete this account * * from all credit reporting agencies ( Equifax, XXXX XXXX XXXX  ) XXXX. * * Cease all reporting of this account * *, as continued reporting in its current form violates federal law If this request is not honored within 15 days, I will file a formal complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * and consider legal action for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-07 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing a complaint regarding the account listed above with GS Bank USA, as reported by Fair Solutions. I believe the information provided regarding this account is inaccurate, and I am requesting a full investigation into the matter. Specifically, I dispute the accuracy of the balance owed and the reporting of this account on my credit file. I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this issue by requiring GS Bank USA and Fair Solutions to provide the necessary documentation and verification to support the reported balance.GS BANK USA XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
Its a old account and Im trying to get my money back you can look it up with my name and ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 writing to dispute a collection account that continues to appear on my credit report. I previously contacted your agency to request validation, and to date, I have not received any legally required documentation to confirm the debts legitimacy. Under federal law, you are prohibited from reporting unverifiable debt. Maintaining this inaccurate information on my file is not only unfair it is 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
Consumer complaint received 2025-07-07 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:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-07-07 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-07 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 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 contacting you to formally dispute a late payment entry on my credit report, which I believe is inaccurately reported. I have reviewed my records thoroughly and found no evidence of a missed or delayed payment during the timeframe 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 non-monetary relief
Consumer complaint received 2025-07-07 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:
Demand for Permanent Deletion of Outdated and Inaccurate Personal Information Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning outdated and inaccurate personal identifying information being reported on my consumer credit file throughout all 3 credit bureaus.

After reviewing my most recent credit report, I have identified several outdated addresses, phone numbers, and employers that are no longer accurate, have been previously disputed, and still remain on my credit file. Their continued presence constitutes a violation of your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Violations of Federal Law FCRA 1681e ( b ), FCRA 1681i ( a ), FCRA 1681g ( a )

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 2025-07-07 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: FL

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.

15 U.S.C 1681 section 602 A. 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 ) ( 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 response to consumer: Closed with non-monetary relief