vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
I recently reviewed my credit report and notice some fraudulent accounts. Please remove these accounts from my report as it hurting my ability to obtain credit.

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 2025-05-30 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 recently reviewed my credit report and notice some fraudulent accounts. Please remove these accounts from my report as it hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
see attached document, the accounts are inaccurate and invalid and several persons claiming to be creditor are not lenders and never lent any constitutionally lawful money or credit and therefore several inaccurate and invalid accounts are being reported

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 2025-05-30 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: TN

Complaint narrative:
see attached document, the accounts are inaccurate and invalid and several persons claiming to be creditor are not lenders and never lent any constitutionally lawful money or credit and therefore several inaccurate and invalid accounts are being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
see attached document, the accounts are inaccurate and invalid and several persons claiming to be creditor are not lenders and never lent any constitutionally lawful money or credit and therefore several inaccurate and invalid accounts are being reported

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 2025-05-30 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: CO

Complaint narrative:
credit inquiries are showing up on my credit report that doesn't belong to me.

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 2025-05-30 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: CO

Complaint narrative:
credit inquiries are showing up on my credit report that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX have been contacted a number of times regarding unauthorized transactions and someone not authorized by the name XXXX XXXX is using the account to make transactions XXXX. Additionally, there are unauthorized transactions/charges from a merchant XXXX. Dispute reporting these transactions XXXX refuses to investigate and or assist me with these disputes. I have been contacting them since XX/XX/year>, to resolve these issues. I placed a hold on the account last month I still see transactions by a XXXX XXXX since XX/XX/year>. I need assistance with these issues. XXXX unauthorized transactions in the amounts of {$48.00} twice in XX/XX/year>, for a membership fees I never enrolled into. Thank you in advance for your assistance. 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 explanation
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
I hereby wish to report inquiries I do not recognize. Inquiries I have not authorized from any of this company. 

XXXX XXXX XXXX XXXX  These inquiries were not authorized because I have a fraud alert on my credit report, and these inquiries were still made. Therefore, I request that they be removed from my 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 2025-05-30 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: IL

Complaint narrative:
Hard Inquiries : There are XXXX auto loan inquiries that I did not authorize or request from a car dealership ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, IL XXXX ). These inquiries are as follows and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments and Accounts : I have identified late payments that are inaccurate. I will provide supporting documentation for these disputes, but they include : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Additionally, the following accounts are paid off, closed, and do not belong on my current credit report : [ List any specific accounts here, if applicable ] Please conduct a thorough investigation into these matters. If any of the disputed information can not be verified or is found to be inaccurate, I request that it be promptly removed or corrected. 

I am enclosing copies of supporting documents that substantiate my claims. Please confirm receipt of this dispute and inform me of the results of your reinvestigation within the timeframe mandated by the FCRAtypically within 30 days.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX/EQUIFA XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX/EQUIFA 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 non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
EXPERIAN has failed to comply with federal consumer reporting laws and regulations. I have requested over XXXX times in last XXXX  months for them to provide the following on a collections account from XXXX XXXX XXXX, no account number was even provided on report. 

The have failed to provide the reinvestigation procedures within the 15 day time requirement by federal law. They have also failed to provide the forward flow agreement, notice of assighnment, regulatory compliance, notice of assighnment, proof of debt ownership along with several Metro 2 violations, 15 USC 1681 violations. I am demanding that the cfpb have Experian remove this fraudulent account from my personal consumer credit report within 10 days in order to comply with all federal laws and regulations and if not done will invoke fees, fines and or lawsuit moving forward. Experian has also failed to remove all old addresses and incorrect names on my personal credit report which is a violation of my personal consumer rights.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE Acct # XXXX Reported FRAUD. No change Account was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a fraud dispute with Chase regarding a {$6000.00} charge from a merchant named XXXX XXXX XXXX, an auto dealership. After that, I realized there was an additional {$3000.00} charge from the same merchant that was also unauthorized. When I initially spoke to a Chase representative, they asked if I had done business with the merchant before. I misunderstood the question and said yes, thinking it referred to something else. Because of that, my original claim was denied. 

After realizing my mistake, I clarified with Chase that I had not done any business with this dealership and that both the {$6000.00} and {$3000.00} charges were fraudulent. I updated the case with this information and explained the misunderstanding. 

I also informed Chase that the dealership owner contacted me directly, mocked me for losing the money, and sent inappropriate messages, which I provided as evidence to Chase. These messages strongly support that the charges were unauthorized and that the merchant was acting in bad faith. 

XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year> The case is currently reopened and under review, but I am filing this complaint because I want to ensure the situation is taken seriously and fairly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 requesting the description of reinvestigation procedure according to XXXX XXXX XXXX ( XXXX ) states if requested by consumer, this must be provided within XXXX  days in order to be in compliance with FCRA guideline After my account was exposed to the data breach without my authorization this sunbit loan was opened without my knowledge

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 2025-05-30 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:
After reviewing my credit report I noticed some inaccuracies. I attempted to contact the companies placing the incorrect information on my report, but received not response. I then contacted all three credit reporting agencies. I informed them of the incorrect information. I requested the information be removed from my credit report. They informed me the information came back verified. I requested their verification method and well as informing them of 15 USC 6802-They must have written instructions from the consumer ( me ) in order to display information on my credit report a well as 605B-according to the FCRA it is illegal to report information on a consumers credit report without written consent ( which I did not provide ). As of today 's date, I did not receive anything from these companies. 
The following inaccuracies are : XXXX ( XXXX  ) XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX I have also attached proof of my identity.

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 2025-05-30 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX/EQUIFA 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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX in XXXXXXXX XXXX has scammed me and wont return my calls regarding the extra fees in my account. I want them to take the warrety off, which I clearly stated I didnt want. I was pressured by sales to sign papers they didnt give me the basic understanding of, and Ive been cheated. I also want to call ALLY Financial leasing company out for not giving me my documents for the lease. They are withholding information from me and being evil towards me as a person and individual by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
My credit report contains numerous hard inquiries that I did not authorize or recognize. These include multiple inquiries from auto lenders and financial companies made on the same day or close together, likely as a result of batch submissions. Some companies I have no prior relationship with. 

I requested verification that I authorized each of these inquiries under FCRA 604, but I have not received documentation showing my consent. 

I am requesting a full investigation and permanent removal of all inquiries that can not be verified with signed authorization.

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 2025-05-30 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: TX

Complaint narrative:
My credit report contains numerous hard inquiries that I did not authorize or recognize. These include multiple inquiries from auto lenders and financial companies made on the same day or close together, likely as a result of batch submissions. Some companies I have no prior relationship with. 

I requested verification that I authorized each of these inquiries under FCRA 604, but I have not received documentation showing my consent. 

I am requesting a full investigation and permanent removal of all inquiries that can not be verified with signed authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 filing a formal complaint regarding inaccurate and potentially duplicative " Charge Off '' entries reported on my credit file, which are materially harming my credit standing and may be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite prior dispute efforts, the following accounts continue to reflect erroneous or misrepresented charge-off statuses : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX ) reported XXXX times with the same opening date ( XX/XX/XXXX ) and balance ( {$100000.00} ) marked " Charge Off '' XXXX XXXX ( Account : XXXXXXXX XXXX XXXX  ) opened XX/XX/XXXX, balance {$48000.00} marked " Charge Off '' XXXX XXXXXXXX ( Account : XXXXXXXX XXXX XXXX XXXX ) opened XX/XX/XXXX, balance {$2300.00} marked " Charge Off '' XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX  ) opened XX/XX/XXXX, balance {$22000.00} marked " Charge Off '' XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX ) opened XX/XX/XXXX, balance {$860.00} marked " Charge Off '' XXXX ( Account : XXXXXXXX XXXX XXXX  ) opened XX/XX/XXXX, balance {$180.00} marked " Charge Off '' Issues Raised : XXXX XXXX XXXX XXXX is being reported multiple times for the same debt, which appears to be a violation of the FCRA 's accuracy requirements under 1681i.

Some charge-offs may lack proper substantiation or be outdated under FCRA 1681c ( a ) ( 4 ) - ( 5 ), especially if they exceed the reporting time limits or lack recent verification.

There is no indication these furnishers provided proper notice of the charge-off status in compliance with FCRA 623 ( a ) ( 7 ).

The emotional, financial, and credit access harm resulting from these errors has included credit denials, higher rates, and reputational damage. 

I have previously disputed these entries through the credit reporting agencies and did not receive adequate responses or corrections. 

Request for Relief : A full investigation into each listed account for compliance with the FCRA 's accuracy, verification, and reporting limits.

Removal of any duplicate or unverifiable " Charge Off '' entries.

Confirmation of updated reporting directly to me and all three bureaus ( Equifax, Experian, XXXX  ). 

Attached Documentation : Credit report excerpts with disputed accounts highlighted. 

Copies of previous dispute letters and responses from credit bureaus or furnishers. 

Thank you for your attention to this matter.

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