vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: MA

Complaint narrative:
This complaint serves as my follow-up dispute regarding inaccurate and unverifiable information that continues to appear on my credit report despite previous investigations. I am formally requesting permanent deletion, not correction, of the following items that remain in violation of the Fair Credit Reporting Act ( FCRA ). 
My report lists an inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have never resided at or used this address in connection with any credit account. The continued presence of this incorrect address is a violation of the FCRA, which requires that only accurate and verifiable information be included in a consumers file. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, FCRA 611 ( a ) requires a reasonable reinvestigation when a consumer disputes the accuracy of an item, and FCRA 607 ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in all information they report. Therefore, this address must be permanently deleted from my credit file. 
My file also shows a XXXX XXXX Account with XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) reporting a balance of {$5400.00} with late payments in XX/XX/year> ( XXXX days ) and XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX This reporting is inaccurate and not reflective of the true status of the account. Under FCRA 611 ( a ), any disputed information that can not be verified after a reinvestigation must be deleted. FCRA 623 ( a ) ( 1 ) ( A ) further prohibits furnishers from reporting data that is known or should be known to be inaccurate, while FCRA 607 ( b ) requires the credit bureau to ensure the informations accuracy. In addition, under FCRA 605B ( 15 U.S.C. 1681c-2 ), unverifiable or erroneous data must be permanently removed or blocked from being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MA

Complaint narrative:
This complaint serves as my follow-up dispute regarding inaccurate and unverifiable information that continues to appear on my credit report despite previous investigations. I am formally requesting permanent deletion, not correction, of the following items that remain in violation of the Fair Credit Reporting Act ( FCRA ). 
My report lists an inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have never resided at or used this address in connection with any credit account. The continued presence of this incorrect address is a violation of the FCRA, which requires that only accurate and verifiable information be included in a consumers file. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, FCRA 611 ( a ) requires a reasonable reinvestigation when a consumer disputes the accuracy of an item, and FCRA 607 ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in all information they report. Therefore, this address must be permanently deleted from my credit file. 
My file also shows a XXXX XXXX Account with XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) reporting a balance of {$5400.00} with late payments in XX/XX/year> ( XXXX days ) and XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX This reporting is inaccurate and not reflective of the true status of the account. Under FCRA 611 ( a ), any disputed information that can not be verified after a reinvestigation must be deleted. FCRA 623 ( a ) ( 1 ) ( A ) further prohibits furnishers from reporting data that is known or should be known to be inaccurate, while FCRA 607 ( b ) requires the credit bureau to ensure the informations accuracy. In addition, under FCRA 605B ( 15 U.S.C. 1681c-2 ), unverifiable or erroneous data must be permanently removed or blocked from 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Subject : Formal Request for Deletion of Inaccurate Collection Account Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Last Verified : XX/XX/XXXX Dear Transworld Systems, I am writing to formally dispute the accuracy and continued reporting of the above-referenced account, which appears on my credit report as a collection account. According to my XXXX Report dated XX/XX/XXXX, the account lists a {$0.00} balance, {$0.00} past due, and shows Paid off/Closed normally with the notation Account information disputed by consumer. 

Because this account has a XXXX balance, no remaining obligation, and has been closed since XXXX, it is being inaccurately reported as a current collection. Under the Fair Credit Reporting Act ( FCRA ), information reported to consumer credit bureaus must be complete, accurate, and verifiable. Continuing to report a paid, closed, or obsolete account as an active collection is a violation of FCRA 1681s-2. 

Therefore, I am requesting that Transworld Systems immediately delete this account from my credit file with all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

Please send me written confirmation within 30 days of receipt of this letter that this account has been permanently deleted from all credit reporting databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: OH

Complaint narrative:
I have had false reporting from Experion for over four years now and began a dispute three years ago. They have me all of a sudden listed as being 90 days behind on my student loans that are in the save program which is is caught up in the courts with XXXX payments due. I send XXXX documents from the department of education stating that i am in good standing will all XXXX of my loans. I sent a XXXX XXXX XXXX. They have had me in a false bracket indicating that i am not making payments on my student loans. I have perfect payments history for all of my loans as well as my seven credit cards. My credit report says over and over again that i never miss a payment and also have paid off small loans from affirm early. I am in good standing and have never missed any payment in seven years. 
Every time i try to contact Experion i either cant get ahold of anyone because the XXXX  aperator bot does not allow me to talk to a human and eventually hangs up on me, or when i do get ahold of a person they have no idea why this experion is not accepting the documents i have uploaded to them. 
I have disputed this XXXX additional times in the last month with the dispute results not telling me anything. They keep giving me back my points yet the main problem of my XXXX accounts being in the red and listed as missed payments till goes unexplained. This is very serious and i have been more than patient with them. 
They have not taken responsibility or explained why they never followed up with my original dispute from i think it was XXXX This requires a human to human conversation and there is no one to talk to on their end. Also when i try to call experion they make me type in my full social security number only to then hang up on me or say they cant connect me to a representative. 
This is totally unprofessional behavior and my credit report is being affected. I have been responsible and adult with my consistent payments and do not deserve this strange false reporting and little to no customer service options from experion

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am disputing a charge-off account reported by J.P. Morgan Chase Auto that appears inaccurately on my credit reports with Experian and TransUnion.

I have already contacted both credit bureaus and sent formal dispute letters, including a Metro 2 compliance letter and a Section 609 request for verification. The bureaus responded that the account was verified as accurate, but they did not provide any documentation, proof of investigation, or method of verification as required by the Fair Credit Reporting Act ( FCRA 611 ).

I also contacted J.P. Morgan Chase directly but did not receive the original contract, payment history, or any evidence validating the reported information. Without proper documentation, this account should not continue to be reported.

I believe this information is being reported inaccurately and without complete verification, which is damaging my credit profile. I am asking the CFPB to investigate and ensure that J.P. Morgan Chase and the credit bureaus comply with FCRA standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-08 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 XXXX XXXX have requested that each creditor send me the original copies of my contract I have with them and original signature multiple times. Each creditor only responds with validation and thats not what I asked for. Explain to me in detail how you validate my information. Each creditor has violated my credit report consumer rights by not sending me what I have requested be sent so I can understand why these negative items and information are being reported to my credit report. I have records showing I have requested on many occasions that each creditor send me original copies of my contract and signature and explain to me in detail how they validate my information. Im tired of them reporting back as verified with no explanation or sending the information I requested. They are all breaking the law clearly.

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 2025-10-08 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 recently reviewed my credit report and discovered multiple inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-10-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX Subject : Request for Investigation and Deletion of Negative Accounts on My Credit Report To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute the accuracy and completeness of the information currently listed on my credit report. 

Upon reviewing my credit file, I have identified several negative accounts and entries that are inaccurate, unverifiable, outdated, or do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. 

I hereby formally request that your agency investigate and delete all negative accounts from my credit report, especially those that can not be verified with valid documentation from the original creditors. 

Please note that under 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligent Noncompliance ), any negligent failure to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting may result in liability for actual damages, costs, and attorneys fees. 

I am including copies of identification and supporting documents ( such as drivers license, Social Security card, and proof of address ) to assist with your investigation. 

I request written confirmation of the results of your investigation within the 30-day period required by law. If any negative or inaccurate information can not be verified, I demand that it be removed from my credit report immediately. 

Sincerely, XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX Last Four Digits of SSN : XXXX Phone : [ XXXX ] Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
I XXXX XXXX have requested that each creditor send me the original copies of my contract I have with them and original signature multiple times. Each creditor only responds with validation and thats not what I asked for. Explain to me in detail how you validate my information. Each creditor has violated my credit report consumer rights by not sending me what I have requested be sent so I can understand why these negative items and information are being reported to my credit report. I have records showing I have requested on many occasions that each creditor send me original copies of my contract and signature and explain to me in detail how they validate my information. Im tired of them reporting back as verified with no explanation or sending the information I requested. They are all breaking the law clearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
I XXXX XXXX have requested that each creditor send me the original copies of my contract I have with them and original signature multiple times. Each creditor only responds with validation and thats not what I asked for. Explain to me in detail how you validate my information. Each creditor has violated my credit report consumer rights by not sending me what I have requested be sent so I can understand why these negative items and information are being reported to my credit report. I have records showing I have requested on many occasions that each creditor send me original copies of my contract and signature and explain to me in detail how they validate my information. Im tired of them reporting back as verified with no explanation or sending the information I requested. They are all breaking the law clearly.

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 2025-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: CA

Complaint narrative:
I requested my XXXX XXXX benefit card to be replaced and sent to my address on file with them for many years. Their refusal to do so caused me to lose a storage unit to auction that contained my deceased parents belongings as well as other family items. My payments were set up to coincide with my scheduled benefits to be able to insure my ability to keep the unit. XXXX XXXX refused to issue my card and even suspended my payments for almost 2 full months causing me to suffer lack of food, ability to pay debts when they had no authority to hold my money from me.i have had to wait over an hour time and time again making no progress toward having my benefits released or card issued to me at my address of record. 
I was hung up on by rude and unprofessional agents and even supervisors. They need to be held accountable for their actions resulting in my hardship and loss of family heirlooms.These institutions are entrusted in issuing our benefits to us, not over flexing their authority and restricting rightful beneficiaries access to the funds we as taxpaying elderly citizens have worked to earn. Our past efforts are the reason they even have a job. The reasoning for their actions were unacceptable to me when nothing regarding my account changed to justify them not sending me a replacement card. If the request was fraudulent I seriously doubt anyone attempting to get access to my card would have it sent to my address. I would think they would send it elsewhere so they would be able to get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been completely locked out of my Experian account since XX/XX/year>, with no way to access, view, or dispute information in my credit file. I have submitted my government-issued ID, Social Security card , and utility bill multiple times, both by mail and electronically, to verify my identity. Despite this, Experian continues to deny me access without explanation.

Each time I call, I am either transferred, disconnected, or told to go to the website which I can not access. One representative refused to provide a reference number and said there was no supervisor available. I have filed multiple complaints through CFPB, yet Experians only response was to direct me back to their website.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( a ), which requires consumer reporting agencies to provide a complete disclosure of my file upon proper verification. I have met all requirements, and Experians failure to provide access or an alternative disclosure method ( such as mailing my full report ) is unlawful and unacceptable. 

I am requesting that CFPB intervene directly to compel Experian to : Immediately restore my access or mail me my complete credit file. 

Provide a clear written explanation of why I was locked out and what steps are being taken to correct it. 
Confirm in writing that this issue has been resolved.

I have attached a signed escalation packet that includes my Affidavit of Truth, prior letters, proof of ID, and certified-mail documentation as supporting evidence.

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 2025-10-08 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: NV

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-08 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief