vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion has unlawfully placed a fraud alert on my consumer credit file without my request or consent after I submitted a written dispute and request for the method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Instead of providing the legally required documentation verifying the disputed information, TransUnion obstructed my rights by adding a fraud alert, which I never requested. This action is an abuse of process and a direct violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation.

15 U.S.C. 1681c-1 ( c ) ( 1 ) Prohibits the placement of fraud alerts without direct consumer authorization.

15 U.S.C. 1681g ( a ) Requires full disclosure of all information in a consumers file upon request. 

This unauthorized fraud alert interfered with my lawful dispute process, damaged my ability to obtain credit, and represents a deliberate stalling tactic to evade compliance. 

I am requesting : XXXX. Immediate removal of the unauthorized fraud alert. 
XXXX. Written confirmation that my dispute has been reopened and properly reinvestigated. 
XXXX. Full disclosure of the method of verification and documentation used to verify disputed items. 
XXXX. CFPB intervention to ensure TransUnion complies with all provisions of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Great American Finance Co
State: CA

Complaint narrative:
Great American Finance, failed to provide me with a signed application or proof of account. They reported multiple lates on my credit and have sold the account to a collection company and no one seems to want to remove the negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. CXX/XX/XXXXe XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. XXXXb, creditors must allow at leastXX/XX/XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am disputing the following charged-off accounts, as they are inaccurately reported or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing to dispute negative items listed on my credit report that I believe are either inaccurate or unverified. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate these items and correct any discrepancies.

Disputed Items : 1. Collection Account o Account Number : [ Account Number ] o Balance : {$630.00} o Reported Date : XX/XX/year> o This account is listed as a medical collection. I am requesting that you verify the accuracy of this account. If it can not be verified or validated, I kindly ask for its removal from my credit report.

2. Collection Account o Account Number : [ Account Number ] o Balance : {$780.00} o This account is listed as a medical collection. I am requesting verification of this information, and if it can not be validated, I request its removal from my report.

Additional Concerns : I have noticed derogatory marks on my credit report, and I am concerned that they may be outdated or incorrectly reported. As per the FCRA, information that is more than 7 years old should be removed from my report. I ask that you verify the accuracy of these items and remove any that are no longer valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out a dispute on XX/XX/year> without any correction to the fraudulent account I am referring to consist of the following. XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX XXXX  XXXX. : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
This is a formal dispute regarding the inaccurate, unverifiable, and misleading reporting of the accounts listed below. EQUIFAX is in direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), GEORGIA STATE CONSUMER PROTECTION LAWS, and US FEDERAL LAW by continuing to report unverified derogatories, failing to maintain maximum possible accuracy, and neglecting its legal obligation to delete inaccurate information when disputed. Each account listed below represents violations that must be addressed immediately.

I have identified the following accounts reporting erroneous, incomplete, and misleading information which is legally obligated to fully investigate and provide detailed verification methodologies XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$11000.00} This account is reported with MULTIPLE XXXX LATE notations across XXXX through XXXX, which is excessive, inconsistent, and not supported by verifiable evidence. EQUIFAX is in violation of FCRA 1681e ( b ), GEORGIA STATE LAW against deceptive trade practices, and US FEDERAL LAW by permitting repetitive, unverifiable derogatories. The reporting of such extensive late payments without clear validation is inaccurate and unlawful. 

XXXX XXXX, XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} This account is reported as CLOSED and CHARGED OFF, yet the chargeoff status has not been validated with proper documentation. XXXX  is in violation of FCRA XXXX for failing to delete unverifiable information, GEORGIA STATE LAW O.C.G.A. 10-1-391 prohibiting unfair or deceptive practices, and US FEDERAL LAW by allowing inaccurate chargeoff reporting. Without proof of accuracy, this derogatory entry must be removed.

Provide the actual documentary evidence and Method of Verification used to validate these alleged delinquencies, including payment history records, billing statements, and furnisher certifications that justify such derogatory marks under federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have {$900.00} as rewards at capital one. 
The bank is refusing to cash out the rewards, they restricted the account and recently started charging interest on XXXX balance. I have few screen shots proves this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i opened a chase ink cash card with a sign up bonus of a % 10 bonus if i had a business checking account open with chase on XX/XX/2025 i received a response from chase on their secure message that " XXXX advised, one-time 10 % Chase XXXX relationship bonus will post to your account XXXX to XXXX billing cycles after the XXXX billing cycle. '' i followed up and got no response on XX/XX/XXXX " XXXX XXXX, I want you to know that Chase Bank considers your concerns to be XXXX of the integral parts of the improvement process. We apologize if our service did not meet your expectations, and appreciate you taking time to share your concerns. 

Let me share that we have received your request and it's currently under review. 

XXXX, we value your relationship with us. 

Sincerely, XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX got " Hello XXXX, Thank you for contacting us regarding additional points for your Chase Ink Business Cash Credit Card.

We appreciate this opportunity to be of service. Your satisfaction is extremely important and I apologize for any inconvenience this may have caused. I'd be happy to review your account immediately. 

XXXX, while I want to help you and make sure that your request is immediately taken care of, certain inquiries must be handled by specialized teams. This helps us provide you with customized solutions and better service. 

In order to help you, I have forwarded your message to the appropriate department. You should receive a response within XXXX business days. XXXX assured this won't go unnoticed. 

We appreciate you being a Chase customer. Have a fabulous day! 

Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX '' and then they sent me this on XX/XX/XXXX " XXXX XXXX, I want you to know that Chase Bank considers your concerns to be XXXX of the integral parts of the improvement process. We apologize if our service did not meet your expectations, and appreciate you taking time to share your concerns. 

Let me share that we have received your request and it's currently under review. 

XXXX, we value your relationship with us. 

Sincerely, XXXX XXXX XXXX XXXX '' so i responded i do have an business checking account opened for over a year the account is XXXX i am not sure why i didn't get the points and they responded " Hello XXXX, Thank you for contacting us about the One-time 10 % Chase Business relationship bonus. 

I forwarded your message to the appropriate department. 

XXXX, you should receive a response within XXXX business days. 

We appreciate you being a Chase customer. 

Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX Original Message Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i haven't gotten a response to that they called me with an XXXX office telling me the same resolution that i don't have an business account when i do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 disputing several items on my Experian credit report that appear to be inaccurate or unverifiable. As a consumer actively trying to repair my credit, I am entitled to a complete and fair investigation into any item that I challenge. Certain accounts and inquiries on my Experian file are not consistent with my records and XXXX have been reported in error or without authorization. I respectfully request that Experian verify the legitimacy of these entries with the original furnishers or remove them if no verification can be provided. 

Disputed XXXX Accounts : XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX : {$0.00} This account is inaccurately listed as charged off despite showing a {$0.00} balance. I request documentation showing that a charge-off occurred, including the date of first delinquency and proof of ownership. 

XXXX XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, Balance : {$400.00} I have no record of any account or debt with XXXX XXXX Please provide proof that this debt is valid and that it rightfully belongs to me. If Experian or the furnisher can not verify this information, it must be deleted immediately. 

Disputed Inquiries : The following inquiries were not authorized by me, and I request proof of permissible purpose under the FCRA. Any inquiries that can not be verified as consumer-authorized should be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have no knowledge of this account or didnt give permission to run my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Please review this entry ; it appears delayed and may contain an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
On XX/XX/scrub>, 2025, I sent a letter to the address provided by Radius Global, which included both ( XXXX ) that this alleged debt amount has already been paid and ( XXXX ) proof of mailing with the date and address clearly indicated. 
I am concerned that, despite fulfilling my obligations and sending the required documentation, this company may not have properly received or recorded this information. I want to ensure that I am not penalized, reported, or charged additional fees due to an administrative or processing error. Since the alleged debt is due XX/XX/scrub> 2025 and the document was sent XX/XX/year>2025.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Confirm that all contested accounts are promptly removed, per legal obligations.

Company response to consumer: Closed with non-monetary relief