vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) to request the immediate and permanent blocking of several accounts being reported by Experian, Equifax, and TransUnion that were the result of financial abuse and coercion. 
Between XXXX and XXXX, I was in a financially abusive and coercive relationship during which I had no access to or control over my finances. The accounts listed below were opened, used, or mismanaged without my authorization. Despite my prior submissionsincluding police report, identity verification, and supporting documentationthe credit bureaus have failed to comply with the FCRAs required timeframe for deletion and blocking. 
Disputed Accounts 1. 2. 3. 4. XXXX XXXX  Account ending in XXXX {$6400.00} XXXX XXXX  XXXX XXXX Account ending in XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} ( XXXX XXXX  XXXX XXXX XXXX  Account ending in XXXX {$710.00} These accounts have been disputed directly with all three credit bureaus as of XX/XX/XXXX, and were accompanied by supporting documentation. The bureaus are legally required under FCRA 605B ( b ) to block such accounts within four ( 4 ) business days of receiving identity theft or abuse-related documentation, and to provide confirmation within 30 days.

To date, these accounts remain unblocked and continue to appear across multiple reports, causing ongoing harm and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PROVIDENT FUNDING ASSOCIATES
State: VA

Complaint narrative:
I am a XXXX XXXX XXXX that is not being paid. Asked for a forbearance if needed for XX/XX/year> without an affect on my XXXX XXXX. They are saying they can't control the derogatory effect on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I electronically deposited a check to Chase for XXXX. 
The check was from my wife and was flagged for fraud. 
The check is legit. 
Chase closed all my accounts. 
Chase withdrew the XXXX from XXXX XXXX 
Chase has lost the XXXX. 
They can not see it in their system. 
Here are the last XXXX digits of the accounts closed. 

XXXX XXXX please help me, the money it pay my bills i lost my job over a year ago this is criminal to me what chase is doing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: NC

Complaint narrative:
I have been trying to get them to unlock my card since last week. I have sent in my ID for verification 2 times already. They keep saying that I have to wait 5 to 7 days before they are able to unlock my account. This happened last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
THE LATE PAYMENT STATUS IS INCORRECT AND VIOLATES REPORTING STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Zillow Group Inc.
State: MA

Complaint narrative:
Received pre-qualification for a mortgage from Zillow ( advertised as a 3 minute process ), Zillow immediately had an in-house, non-independent loan agent call me and start rambling trying to sell me on a mortgage I did not want and did not indicate interest in. I did not grant permission to call me related to this.

The salesperson tried to tell me I asked for this call and was only there to help me in the process but it was extremely uncomfortable.

The associate would not allow me to stop them from their rant about how I needed pre approval and how I should purchase a loan from them. It was clear they were trying to catch me off guard and take advantage of me in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
Experian has failed to comply with its legal duty under the Fair Credit Reporting Act ( FCRA ) 611 to conduct a reasonable reinvestigation after I submitted a formal dispute. I provided supporting documents clearly proving that the account ( XXXX ) in question are being reported inaccurately including missing Date of First Delinquency ( DOFD ), missing Date Closed, and incorrect account status ( reported as open/charged off despite being paid or closed ). 

Experian simply verified the accounts without any evidence of an actual investigation or communication with the furnisher. The results provided were vague, lacked verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZE COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
Good day. I am reaching out to file a complaint regarding inaccurate information reported on my credit report from Experian. I would like to bring to your attention that the following accounts contain errors, and I kindly request that these issues be reviewed and corrected. 

Accounts in Dispute : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Inaccurate reporting of a charged-off account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Issue : Inaccurate reporting of a charged-off account. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Issue : Inaccurate reporting of a charged-off account. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Issue : Inaccurate reporting of a charged-off account. 

XXXX & XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Issue : Inaccurate reporting of a charged-off account. 

Inquiries in Dispute : XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment Reporting in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Issue : Credit reporting errors, unauthorized inquiries, and Experian refusal to process disputes I, XXXX XXXX, am filing this complaint because all three major credit bureaus TransUnion, Equifax, and Experian have failed to accurately report or allow proper dispute processing under the Fair Credit Reporting Act ( FCRA ). 

1. TransUnion : TransUnion is reporting multiple unauthorized hard inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all occurring in XX/XX/year>. 
I did not authorize these inquiries, and they were likely caused by auto dealer shotgunning applications without consent. 
TransUnion currently has an open dispute, preventing me from filing new ones online, which restricts my FCRA rights. 

2. Equifax : Equifax continues to report a negative account from XXXXXXXX XXXX XXXX that was closed and paid, but still shows multiple 120-day delinquencies.

This is inaccurate and damages my score, violating FCRA 611 ( a ) ( failure to ensure complete and accurate information ). 

3. TransUnion Collection Account : TransUnion is also reporting a {$980.00} XXXX  collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was never validated under FDCPA 809 ( b ). 
No notice or documentation has ever been provided proving this debt is mine or valid.

4. Experian : Experian refuses to allow me to submit a new dispute online or by mail unless I call them.

This restriction violates my legal right under FCRA 611 ( a ) ( 1 ) ( A ) to dispute inaccurate information in writing without being required to use the phone.

I have already prepared and mailed written disputes for each bureau and attached copies of my letters and supporting documentation.

I am requesting the CFPB to require these bureaus to : Process my written disputes immediately, even if online disputes are locked.

Delete all unauthorized inquiries and unverifiable accounts.

Provide written confirmation of corrections within 10 days.

These companies are in violation of : FCRA 604 ( a ) ( 2 ) No permissible purpose for credit inquiries FCRA 611 ( a ) Failure to ensure and reinvestigate accuracy FDCPA 809 ( b ) Failure to validate debt I am attaching all supporting dispute letters, including those sent to TransUnion, Experian, and Equifax, as well as my debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Issue : Credit reporting errors, unauthorized inquiries, and Experian refusal to process disputes I, XXXX XXXX, am filing this complaint because all three major credit bureaus TransUnion, Equifax, and Experian have failed to accurately report or allow proper dispute processing under the Fair Credit Reporting Act ( FCRA ). 

1. TransUnion : TransUnion is reporting multiple unauthorized hard inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all occurring in XX/XX/year>. 
I did not authorize these inquiries, and they were likely caused by auto dealer shotgunning applications without consent. 
TransUnion currently has an open dispute, preventing me from filing new ones online, which restricts my FCRA rights. 

2. Equifax : Equifax continues to report a negative account from XXXXXXXX XXXX XXXX that was closed and paid, but still shows multiple 120-day delinquencies.

This is inaccurate and damages my score, violating FCRA 611 ( a ) ( failure to ensure complete and accurate information ). 

3. TransUnion Collection Account : TransUnion is also reporting a {$980.00} XXXX  collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was never validated under FDCPA 809 ( b ). 
No notice or documentation has ever been provided proving this debt is mine or valid.

4. Experian : Experian refuses to allow me to submit a new dispute online or by mail unless I call them.

This restriction violates my legal right under FCRA 611 ( a ) ( 1 ) ( A ) to dispute inaccurate information in writing without being required to use the phone.

I have already prepared and mailed written disputes for each bureau and attached copies of my letters and supporting documentation.

I am requesting the CFPB to require these bureaus to : Process my written disputes immediately, even if online disputes are locked.

Delete all unauthorized inquiries and unverifiable accounts.

Provide written confirmation of corrections within 10 days.

These companies are in violation of : FCRA 604 ( a ) ( 2 ) No permissible purpose for credit inquiries FCRA 611 ( a ) Failure to ensure and reinvestigate accuracy FDCPA 809 ( b ) Failure to validate debt I am attaching all supporting dispute letters, including those sent to TransUnion, Experian, and Equifax, as well as my debt validation

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