vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-05 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Re : CFPB Complaint Unauthorized Closure of JPMCB Card Account Ending in XXXX To Whom It May Concern, I am submitting this formal complaint regarding a credit card account I held with JPMCB ( account ending in XXXX ), which was closed without my knowledge, consent, or any explanation. 

I was recently informed by XXXX that on XX/XX/XXXX, my credit score dropped by 56 points. Upon further investigation, I discovered that the drop was due to the closure of this JPMCB account, which reportedly occurred in XXXX. 

To my surprise, I was never notified by JPMCB of the closure, nor was there any derogatory reporting or mention of this closure for nearly six years. This abrupt and delayed reporting has unfairly and significantly damaged my credit profile. The account in question had positive history and contributed meaningfully to my credit utilization and length of credit history.

I am requesting the CFPB to investigate this matter and urge JPMCB to do the following : 1. Provide a full explanation for the account closure and clarify who authorized it.

2. Reinstate the account with its original open date and positive payment history, if applicable.

3. Notify XXXX XXXX XXXX XXXX to update the account as open and in good standing.

I appreciate your time and attention to this matter, and I look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Violation of FCRA 605C XXXX  XXXX  Removal Request Denied Despite Proper Documentation Issue : This complaint is submitted against TransUnion, Equifax, and XXXX XXXX XXXX for non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 605C ( XXXX XXXX  victim protections ), 605B ( identity theft protections ), 607 ( b ) ( accuracy requirements ), and 611 ( a ) ( reinvestigation process ). 

Summary : A formal request was previously submitted under FCRA 605C to remove negative credit items caused by identity fraud during a confirmed period of XXXX XXXX. This request was supported by all documentation required under 12 C.F.R. 1022.142, including : A signed Self-Attestation Form under 605C Written determination by a qualified official from a District Attorneys XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report Police report Proof of trafficking timeline and related financial abuse Evidence of financial losses due to exploitation Additional supporting documents ( ID, address, etc. ) Despite this, the credit bureaus failed to act as required by law. Equifax claimed the documentation was insufficient a claim that is demonstrably false. As of now : No items have been blocked or deleted under 605C No status update has been provided No Method of Verification has been disclosed Personal information remains outdated or inaccurate Previously deleted items were reinserted without notice Violations : 605C Failure to remove information related to trafficking, despite valid attestation and documentation 605B Failure to block identity theft accounts within 4 business days 611 ( a ) ( 7 ) No Method of Verification provided for disputed items 607 ( b ) Failure to ensure maximum possible accuracy 611 ( a ) ( 5 ) ( B ) Unlawful reinsertion of previously deleted items 1681b ( g ) Failure to safeguard personal data

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 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
Affirm refuses to remove the fraud verification process from my account after I did all the things they required to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX appeared on my XXXX  credit report out of nowhere. I sent a validation letter to them In XX/XX/year> and disputed with the credit agency, still on my report,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint against IQ Data XXXX XXXX and XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

IQ Data XXXX has reported a negative tradeline to my credit report without ever providing me prior written notice that the alleged debt would be reported to the credit bureaus, which is a direct violation of my rights under federal law.

Specifically : Violation of 15 U.S. Code 1692e ( 8 ) of the FDCPA : This section prohibits a debt collector from reporting information to credit bureaus that is known ( or should be known ) to be false or disputed. I have disputed this debt multiple times directly with IQ Data, yet they have either ignored or stalled my dispute efforts. 

Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 7 ) : This statute requires that if a furnisher ( like IQ Data ) plans to report negative information to a consumer reporting agency, they must notify the consumer in writing within 30 days. 
I was never notified by XXXX XXXX XXXX or IQ Data that a collection would be reported against me, which is a violation of this statute.

I have documented email evidence that I vacated the apartment at XXXX XXXX due to an ongoing wasp infestation, which made the unit uninhabitable. I informed the management, and there was no proper remediation or effort to resolve the issue, creating a constructive eviction scenario. When i asked to move units they informed me they had none available, but yet they were showing future residents available units. Despite this, the apartment complex failed to notify me of any outstanding balances or attempt to resolve the situation before sending the matter to collections. 

This improper reporting has had a significant and harmful impact on my credit, causing me undue stress and hardship as I try to secure housing and credit for essential needs. I am being punished unfairly for a debt that was never properly disclosed or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9500.00}. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$290.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9500.00}. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$290.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$520.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX 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 2025-07-05 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: KS

Complaint narrative:
I am submitting this complaint because Equifax has updated the reporting of my XXXX  account ( account ending in XXXX ) in a manner that violates the Fair Credit Reporting Act ( FCRA ), specifically regarding re-aging of a charge-off. 

Originally, this account became delinquent in XXXX and was charged off in XXXX. However, Equifax recently updated the charge-off date to XX/XX/XXXX, which artificially extends how long this negative account stays on my credit report. This is known as re-aging, and it is strictly prohibited under the FCRA. 

Additionally, Equifax removed the Fixed Rate remark from the account, which caused a significant score drop of nearly XXXX points yet they did not update the balance, status, or correct the delinquency timeline. This activity indicates Equifax reviewed or touched the account, but instead of correcting it, they introduced an inaccurate new date that penalizes me further. 

I have already disputed this directly with Equifax and they failed to address the illegal re-aging. Their response made the reporting worse, not better. 

I am requesting : A correction of the Date of First Delinquency to reflect the original delinquency in XXXX ; Deletion of the charge-off if it can not be accurately verified ; Restoration of the credit score impact caused by the unlawful re-aging ; An investigation into Equifaxs reporting conduct and procedures. 


This complaint includes documentation, including the original dispute letter and timeline summary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is being inaccurately reported as an open account. Reporting it as open is misleading and violates the FCRAs requirement for accurate reporting ( FCRA 607 ( b ) ). Please remove the account.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am having a problem getting my annual free consumer report from Chex Systems. I want Chex Systems to immediately mail me a complete copy of my Chex Systems Consumer Report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, 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 2025-07-05 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: FL

Complaint narrative:
The original creditor failed to provide complete validation as requested under the FCRA, even after a 30-day final notice. Since the XXXX XXXX XXXXXXXX account is unverifiable, it must be deleted immediately. Attached is proof of communication with XXXX XXXX XXXXXXXX, including emails and letters, along with my SSN and drivers license for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX and I do not have an account with Sunrise credit services and they are reporting that I have been late for 90 days on debt I do not owe. I have requested validation of debt and have not received any information from them. I am not responsible for this debt.

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