vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-12 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-12 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: WV

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I was deceived into sending a XXXX payment of {$100.00} from my Chase Checking account to an individual named XXXX XXXX XXXX ( email : XXXX, phone number XXXX ). The recipient misrepresented themselves as a landlord for a property listing and tricked me into believing I was sending money for a legitimate purpose. This was a scam. 

I immediately reported the transaction to my bank and requested reimbursement. However, my bank denied my claim, stating that because I authorized the payment, it is not covered. This ignores the fact that the payment was the result of fraud and deception, which falls under the protections of the Electronic Fund Transfer Act ( Regulation E ). 

I am requesting that the CFPB investigate and require Chase to properly review this dispute as fraud and provide reimbursement for the funds lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 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:
I have file multiple claims to verify information. Nothing changes dee to sham investigations. CRA even tell me it is not their responsibility to verify the information provided by creditors. 
I hired a company to continue the fight and challenge things for me. the CRA send me letters telling me they have taken no action on these letter and challenges

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 2025-09-12 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: VA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Debt is over 3 years old .. they tell me I live in XXXX  and its past statue of limitations but they call 5 x a day even after I tell them Im  XXXX to leave me alone the debt is probably over 5 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
I am submitting this complaint because TRANSUNION continues to report inaccurate and unverifiable information regarding the above-referenced account. The derogatory notations furnished by XXXX XXXX  are inconsistent, misleading, and fail to meet the maximum possible accuracy standard required under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). 

Despite prior disputes, TRANSUNION has not provided me with any documented evidence from the furnisher that validates the accuracy of this reporting. Allowing this account to remain in its current state reflects a failure to conduct a proper reinvestigation as required by FCRA 1681i. In addition, the reporting does not align with Metro 2 compliance standards, which mandate proper coding, consistency, and data integrity. 

Violations Include : Failure to maintain maximum possible accuracy in consumer reports ( FCRA 1681e ( b ) ).

Failure to conduct a lawful reinvestigation ( FCRA 1681i ).

Continued reporting of unverifiable or inaccurate derogatory information ( FCRA 623 ).

Violation of Metro 2 standards regarding accurate furnishing of payment history and delinquency coding.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My information has been exposed to a data breach. There has been several debt collectors contacting me and harassing me. FCRA 605B state that this information should be BLOCKED immediately while the FTC investigates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: SC

Complaint narrative:
I filed the dispute to have a debt collection removed. Been fighting with this I was on there as a second owner to the debt with a boyfriend. I was never notified and the amounts are always different when it is reported. The amount is now different than what the original creditor says on the credit report I asked for proof of debt a transfer statement. Experian just told me that they verified the debt. They did not give me any proof or what they got. The amount is different and therefore should be deleted from my report as it is inaccurate. I have tried to do this several times and I get no proof of what they use to verify the information or any validation letter or proof of assignment of 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
Consumer complaint received 2025-09-12 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: MD

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
My report contains multiple discrepancies and contradictions that violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report complete and accurate information. 
XXXX. Missing or Undefined Creditor Information : - Original Creditor is listed as " - '' ( blank ). - Company Sold is blank. - My Statement is listed as " undefined. '' These omissions make the tradeline unverifiable.

2. Contradictory Account Status : - The account is marked as " Paid, Closed '' ( status updated XX/XX/year> ). - However, the payment history still reflects XXXX late payments ( 30 days and 60 days ). This creates a misleading picture of the account. 
XXXX. Inconsistent Balance Information : - Balance Details list the account as " Paid off. '' - Original Balance is shown as {$2500.00}. - Balance Updated field is left blank. A closed, paid account should consistently reflect a {$0.00} balance with accurate updates.

4. Reporting Gaps & Undefined Fields : - Monthly Payment is listed as " - '' ( blank ). - Contact information only shows " XXXX, TX XXXX '' without a company name. This makes the entry incomplete and unverifiable.

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 2025-09-12 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: NV

Complaint narrative:
Unauthorized access to my credit report has directly damaged both my credit and my credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and is causing ongoing financial and emotional harm.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank closed my account on XX/XX/year> while there were still funds in it. According to their Deposit Account Agreement, they are required to send me the remaining balance within 10 business days. As of today ( XX/XX/year> ), I have not received a check or any funds. 

I contacted U.S. Bank, and they told me on that a check was just sent. This is well beyond their 10-business-day timeframe, and I am still waiting for my money.

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 2025-09-12 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: CA

Complaint narrative:
I am a confirmed victim XXXX XXXX XXXX XXXX and am invoking my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, to have all adverse items related to my XXXX  blocked and deleted from my credit reports. 

I have already submitted my FTC Identity Theft Report, police report, and supporting documentation to Equifax, Experian, and TransUnion. Despite this, my credit reports still show multiple late payments, derogatory accounts, and hard inquiries that are not mine or were incurred during the XXXX  period ( XXXX ). These include late payments on my XXXX XXXX account, derogatory reporting on multiple tradelines, and numerous hard inquiries that lowered my score. 

I am requesting that all negative information including late payments, delinquencies, and hard inquiries listed on this credit report be blocked and permanently removed. Specifically, I want all late payments from XXXX XXXX between XXXX deleted, but I do not want the XXXX XXXX account closed. My goal is to have my account remain open and in good standing, without any negative payment history. 

Under the law, the credit bureaus were required to block this information within 4 business days of receiving my dispute and supporting documents, but they have failed to do so. The continued reporting of this negative information is causing severe harm to my credit profile and my ability to rebuild financial stability.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-12 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 am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. regarding multiple inaccurate, unverifiable, or potentially fraudulent collection accounts that have been reported to one or more consumer reporting agencies. These accounts are associated with the following companies : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX * * * * XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX First Credit Services Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX These accounts are either : Not mine, and may be the result of identity theft Inaccurate in balance, status, or dates Or unverifiable under federal validation standards I have made formal disputes and/or validation requests in accordance with : 15 U.S.C. 1681i ( a ) Right to dispute inaccurate information and require a reinvestigation within 30 days 15 U.S.C. 1681e ( b ) Requirement that credit bureaus maintain maximum possible accuracy 15 U.S.C. 1692g ( b ) and 1692e ( 8 ) Debt collectors must cease collection until verification is provided, and must not report disputed debts without marking them as disputed Despite these rights, the companies above and/or the credit reporting agencies have failed to validate or correct the reporting. In some cases, they continue to furnish false or outdated information that is having a material impact on my credit profile.

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 2025-09-12 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my XXXX  loan account originally serviced by XXXX and now by XXXX. My credit report reflects a late payments in XXXX & XX/XX/XXXX. This reporting is inaccurate and should not appear. 
Under the CARES Act and subsequent federal XXXX  loan relief measures, federally held loans were placed into administrative forbearance beginning XX/XX/XXXX, with no payments due, no interest accrual, and no negative credit reporting allowed. A late payment reported in XXXX is therefore inconsistent with federal protections and constitutes inaccurate furnishing under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
If the account was private at the time, XXXX and XXXX were still required to provide accurate reporting and ensure borrowers were not unfairly harmed by servicing transfers or COVID-related relief programs. The CFPB has issued guidance requiring servicers to ensure accurate reporting and seamless transitions. 
I request that this late payment entry be investigated and deleted from my credit report, as it is inaccurate, unverifiable, and in violation of federal borrower protections.

Company response to consumer: Closed with explanation