vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts are not mine and fraudulent : Account Name : XXXX  XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX  Account number:XXXX Account Name : XXXX XXXX XXXX  Account number:XXXX Account Name : XXXX XXXX XXXX Account number:XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of my M & T Bank account across XXXX XXXX XXXX XXXX

- XXXX  reports : " Paid, Closed/Never Late. '' - XXXX  reports : " 8 late payments, Not more than two payments past due. '' - XXXX  reports : " 16 late payments, 30 days past due ( historical ). '' These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, and 623, which require accurate reporting and proper reinvestigation.

I have disputed this account with XXXX XXXX XXXX and M & T Bank directly. Despite providing documentation, the inaccuracies remain unresolved. 

I request CFPB enforcement to ensure compliance and proper correction or removal of inaccurate 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To resolve this matter fairly and in accordance with federal law, I am requesting that Experian : Reinvestigate the disputed late payments reported on the following accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Require the furnishers ( creditors ) to provide documentation proving they sent proper notice prior to reporting any late payments. This includes dated billing statements, mailed or emailed payment reminders, or any form of verified communication. 

Permanently remove the late payment notations from my credit report if the furnishers can not verify that proper notice was given in compliance with the FCRA and TILA ( specifically 15 USC 1666b for XXXX, where timely payments were made and the reporting appears to be a billing error ). 

Provide written confirmation of the investigation results, and if deletions are made, send an updated copy of my credit file within 15 business days.

If these errors are not corrected promptly, I am prepared to pursue further action through the FTC, state Attorney General, and the courts, under FCRA 616, which allows me to seek statutory damages, actual damages, and legal fees. 

This is a reasonable and legally justified resolution request, and I expect Experian to act in good faith and correct these reporting violations accordingly.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Continued FCRA 605B Violation TransUnion Failed to Fully Block All Disputed Data After Identity Theft Report To the CFPB, This is a second formal escalation regarding TransUnions failure to fully comply with FCRA 605B after my identity theft dispute was submitted on XX/XX/XXXX, and escalated via CFPB on XX/XX/XXXX. 

Although TransUnion has removed some of the fraudulent data from my file, several unauthorized hard inquiries that were clearly listed in my identity theft report and covered under 605B remain on file : Remaining Unauthorized Hard Inquiries ( Still Present as of XX/XX/XXXX ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX These inquiries were explicitly disputed and marked as fraudulent in my initial report, supported by a valid FTC Identity Theft Report under penalty of perjury, government-issued ID, proof of current address, Social Security card, and annotated credit report. 

Legal Violations Still Ongoing : 605B ( a ) : Failure to fully block all disputed information 605B ( c ) ( 3 ) : Reinvestigation or re-verification appears to have been conducted in violation of the FCRA, as these entries remain despite clear proof of identity theft 607 ( a ) : Continued reporting of inaccurate and disputed data after official notice 610 ( a ) : TransUnion appears to lack proper procedures to ensure full compliance with FCRA 605B Requested Action : Immediate and permanent removal of the remaining unauthorized inquiries Written confirmation of complete removal Escalation of TransUnions partial compliance as a willful, repeated violation of federal law I have complied with every legal requirement under FCRA 605B. TransUnion has no legal basis to leave these items on file. Partial action is not compliance. I expect the CFPB to ensure complete enforcement of the law.

Thank you for your continued involvement.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Today I tried to get a copy of my credit reports from annual credit report website. I wasn't able to get one from both XXXX  and TransUnion. I'm just trying to see what the reults of the evidence and documents collected from the investigations that the credit reporting agencies claimed they did, but have failed to prove evidence and documents proving how they verified certain accounts.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this Metro 2formatted dispute as a victim of identity theft under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My personal information has been used without authorization, resulting in fraudulent accounts on my credit file.Consumer Information : Name : XXXX XXXX XXXX of Birth : XXXX XXXX : XXXX Current Address : XXXX XXXX Ct, XXXX, PA XXXXDisputed Accounts:1. XXXX XXXX XXXX BANK XXXX Acct # XXXX Charged off {$320.00} Fraudulent/identity theft.2. XXXX XXXX XXXX Acct # XXXX Paid, Closed 30-day late XX/XX/XXXX Not mine.3. XXXX XXXX XXXX Acct # XXXX Paid, Closed 30-day late XX/XX/XXXX, original balance {$250.00} Not mine.4. XXXX XXXX XXXX XXXX XXXX Acct # XXXX Multiple delinquencies Result of identity misuse.Requested Action : Under FCRA 605B, you are required to : Block and permanently delete all information resulting from identity theft within 4 business days of receipt of this dispute. Notify all furnishers and other credit bureaus of the deletion. Provide written confirmation of all corrections and an updated credit report. Copy of identity theft report ( if available ) Copy of Experian report highlighting fraudulent items

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this Metro 2formatted dispute as a victim of identity theft under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My personal information has been used without authorization, resulting in fraudulent accounts on my credit file.Consumer Information : Name : XXXX XXXX XXXX of Birth : XXXX XXXX : XXXX Current Address : XXXX XXXX Ct, XXXX, PA XXXXDisputed Accounts:1. XXXX XXXX XXXX BANK XXXX Acct # XXXX Charged off {$320.00} Fraudulent/identity theft.2. XXXX XXXX XXXX Acct # XXXX Paid, Closed 30-day late XX/XX/XXXX Not mine.3. XXXX XXXX XXXX Acct # XXXX Paid, Closed 30-day late XX/XX/XXXX, original balance {$250.00} Not mine.4. XXXX XXXX XXXX XXXX XXXX Acct # XXXX Multiple delinquencies Result of identity misuse.Requested Action : Under FCRA 605B, you are required to : Block and permanently delete all information resulting from identity theft within 4 business days of receipt of this dispute. Notify all furnishers and other credit bureaus of the deletion. Provide written confirmation of all corrections and an updated credit report. Copy of identity theft report ( if available ) Copy of Experian report highlighting fraudulent items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX XXXX  ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX XXXX XXXX  DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

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 2025-07-30 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: PA

Complaint narrative:
To resolve this issue fairly and within your legal obligations under the Fair Credit Reporting Act ( FCRA ), I am demanding that TransUnion take the following immediate steps : Conduct a reinvestigation of the disputed late payments for the following accounts : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Request verification from each furnisher that they properly notified me before reporting any late payment. This includes dated billing statements, mailed letters, email notifications, or any documented communication providing advance notice. 

Permanently delete any late payment entries if the creditor can not prove that such notice was sent in a timely and verifiable manner. 

Send me a written confirmation of the results of this reinvestigation. If deletions are made, provide an updated and corrected copy of my credit file within 15 business days of receipt of this notice.

If you fail to address this matter promptly and lawfully, I will proceed with additional complaints to the FTC, my states Attorney General, and if necessary, initiate a private legal action under FCRA 616. As a reminder, this statute allows recovery of actual damages, statutory penalties of up to {$1000.00} per violation, and legal costs.

I trust TransUnion will treat this matter with the seriousness it demands and act in good faith to ensure the accuracy and fairness of my consumer credit file.

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 2025-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Hello, in XXXX  i had taken an ambulance to wellstar paulding hospital and was billed by the ambulance and the hospital. the ambulaance was like {$1600.00}, the hospital bill said like {$20.00}, but when i logged on to pay it it was {$1400.00} or something along those lines, so i just paid the full amount. Somehow that translated into some 3rd party hounding me for {$1400.00}, please look into this as it's extremely deceptive and predatory business practices in my opinion. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Today I tried to get a copy of my credit reports from annual credit report website. I wasn't able to get one from both XXXX  and TransUnion. I'm just trying to see what the reults of the evidence and documents collected from the investigations that the credit reporting agencies claimed they did, but have failed to prove evidence and documents proving how they verified certain accounts.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SLM CORPORATION
State: SC

Complaint narrative:
I am writing to file a formal complaint against Sallie Mae and the third-party entity they appear to have sold or transferred my personal information to. The actions taken by these organizations have caused serious harm to my financial and emotional well-being. 
Currently, I am unemployed and previously earned minimum wage, which makes payment impossible at this time. I am doing everything I can to improve my financial situation, but the aggressive and misleading tactics of these institutions are making that harder than ever. 

I respectfully request that the FTC investigate the practices of Sallie Mae and their affiliated collectors for potential violations of consumer protection laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I truly appreciate your commitment to ensuring consumer rights are protected. 
I was never contacted to discuss repayment options or to reach any kind of agreement. Despite this lack of communication, negative information was reported to the credit bureauswithout warningdamaging my credit. This has impacted my ability to obtain employment, housing, and essential financial services. 

Sallie Mae has now sent a threatening letter stating that they intend to file a lawsuit if I do not pay. Additionally, the third-party collector is charging me and continues to report inaccurate information to the credit reporting agencies. I have never entered into any agreement with this third-party company, and I am deeply concerned that my private data was shared or sold without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate and Inconsistent Reporting Apple Card ( GS Bank ) To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and inconsistent credit reporting on my closed Apple Card account, issued by Goldman Sachs Bank ( GS Bank ). The account was paid off and closed, yet the information being reported to credit bureaus is both conflicting and misleading.

Specifically : On one credit report, the account shows that payments were made on time from XX/XX/scrub> 2023 through XX/XX/scrub> 2023, with no data reported thereafter. 
On another credit report, the same account is listed as Charge-Off ( CO ) during those same months, or not reported ( NR ) at all.

Additionally, multiple months after the charge-off are showing up as 30, 60, 90, or 120 days late, which is inaccurate, since an account that has been charged off and closed can not accrue further late payments.

This creates a confusing and misleading profile of my payment history and violates my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to report data that is accurate and consistent across credit bureaus.

Furthermore, once an account is charged off, further delinquency reporting is inappropriate and results in double damage to the consumers credit profile. This practice is not only unfair but also undermines the integrity of the credit reporting system.

Please see attached screenshots from both credit reports that demonstrate the inconsistencies and errors in reporting.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief