vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$830.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am submitting this complaints to formally dispute several inaccuracies on my credit file that are affecting my ability to secure financial opportunities. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which emphasizes the importance of accurate and fair reporting. 
First, my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$340.00} ) * * is reported as late. This is incorrect, as my records show the account was paid and closed responsibly. Under FCRA 623 ( a ) ( 2 ), entities reporting information must ensure it is complete and accurate. Reporting a late payment that did not occur misrepresents my credit history. 
Second, my XXXX  XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXXXXXX {$380.00} ) is marked as a charge-off. This reporting is misleading and incorrect. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of disputed items, and I am formally requesting that the account be verified and removed. 
Third, my XXXX XXXX XXXX account ( XXXX, XXXX {$12000.00} ) * * was subject to a 1099-C cancellation, yet this is not reflected properly. According to FCRA 623 ( b ), entities furnishing information must investigate disputed items and update their records accordingly. I request that this account be deleted to reflect the 1099-C cancellation accurately.

Finally, there are unauthorized inquiries recorded on XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) XXXX  XX/XX/XXXX ''. I did not authorize these inquiries, and they violate FCRA 604 ( a ) ( 3 ), which requires that consumer reports only be accessed for permissible purposes. These inquiries should be removed. 
These inaccuracies have caused tangible harm and stress, which is why I am exercising my rights under the FCRA. FCRA XXXX emphasizes that credit reporting should be fair, accurate, and impartial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaints to formally request a correction to my credit report concerning several accounts that have been reported with inconsistent or inaccurate late payment histories. I want to make it clear that this is not a request for deletion, but rather a request for factual correction to ensure that my payment history is reported with accuracy and fairness. 
After careful review, I noticed that a few open accounts have been marked late during periods where payments were either made on time or arrangements were properly in place. my XXXX  XXXX XXXX account, with a balance of {$47000.00}, has been reported as XXXX  days late from XX/XX/XXXX to XXXX XXXX XXXX days late from XX/XX/XXXX to XX/XX/XXXX, and XXXX  days late from XX/XX/XXXX to XX/XX/XXXX. Similarly, my XXXXXXXX XXXX  account, with a balance of {$4100.00}, is shown as 30 days late from XX/XX/XXXX to XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late also in XX/XX/XXXX, and XXXX  days late from XX/XX/XXXX to XX/XX/XXXX. Additionally, my XXXX XXXX XXXX XXXX account, with a balance of {$260000.00}, is reported as XXXX  days late in XX/XX/XXXX. There is also a late closed account with XXXX XXXX that has been inaccurately reflected. 
Under 15 U.S.C. 1681e ( b ), the Fair Credit Reporting Act mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information reported. Late payment data that fails to consider payment arrangements, timing discrepancies, or verified posting dates compromises that standard and paints an inaccurate financial picture.

Moreover, as provided in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer identifies specific information that may be inaccurate, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the information is correct. I am requesting that this reinvestigation include verification directly from the creditors to confirm the actual payment dates and to correct any erroneous late marks accordingly. 
In addition, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) holds furnishers of information accountable for reporting data with accuracy and completeness. This means any creditor that furnishes information must ensure that it truly reflects the consumers payment activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am submitting this complaints to formally request a correction to my credit report concerning several accounts that have been reported with inconsistent or inaccurate late payment histories. I want to make it clear that this is not a request for deletion, but rather a request for factual correction to ensure that my payment history is reported with accuracy and fairness. 
After careful review, I noticed that a few open accounts have been marked late during periods where payments were either made on time or arrangements were properly in place. my XXXX  XXXX XXXX account, with a balance of {$47000.00}, has been reported as XXXX  days late from XX/XX/XXXX to XXXX XXXX XXXX days late from XX/XX/XXXX to XX/XX/XXXX, and XXXX  days late from XX/XX/XXXX to XX/XX/XXXX. Similarly, my XXXXXXXX XXXX  account, with a balance of {$4100.00}, is shown as 30 days late from XX/XX/XXXX to XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late also in XX/XX/XXXX, and XXXX  days late from XX/XX/XXXX to XX/XX/XXXX. Additionally, my XXXX XXXX XXXX XXXX account, with a balance of {$260000.00}, is reported as XXXX  days late in XX/XX/XXXX. There is also a late closed account with XXXX XXXX that has been inaccurately reflected. 
Under 15 U.S.C. 1681e ( b ), the Fair Credit Reporting Act mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information reported. Late payment data that fails to consider payment arrangements, timing discrepancies, or verified posting dates compromises that standard and paints an inaccurate financial picture.

Moreover, as provided in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer identifies specific information that may be inaccurate, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the information is correct. I am requesting that this reinvestigation include verification directly from the creditors to confirm the actual payment dates and to correct any erroneous late marks accordingly. 
In addition, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) holds furnishers of information accountable for reporting data with accuracy and completeness. This means any creditor that furnishes information must ensure that it truly reflects the consumers payment activity.

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 2025-10-23 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: IL

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-23 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: NY

Complaint narrative:
I am submittingto formally dispute inaccurate and potentially misleading information appearing on my credit report regarding the following accounts reported with the statuses Late/Open, Charge-Off, and Collection. These designations are unclear, incomplete, or inaccurately reflect my actual payment history and account standing. Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and not misleading ( 15 U.S.C. 1681i ). I hereby request a thorough reinvestigation of these accounts to verify the accuracy and appropriateness of these statuses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submittingto formally dispute inaccurate and potentially misleading information appearing on my credit report regarding the following accounts reported with the statuses Late/Open, Charge-Off, and Collection. These designations are unclear, incomplete, or inaccurately reflect my actual payment history and account standing. Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and not misleading ( 15 U.S.C. 1681i ). I hereby request a thorough reinvestigation of these accounts to verify the accuracy and appropriateness of these statuses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that is harming my credit and causing ongoing financial and emotional distress.

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 2025-10-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am submitting to formally dispute inaccurate and potentially misleading information appearing on my credit report regarding four accounts currently reported with unclear or vague status designations that may be interpreted as Late Open. This designation is vague, lacks an industry-standard definition, and may violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies be accurate, complete, and not misleading ( 15 U.S.C. 1681i ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$830.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call from what ID as Chase bank ( XXXX ) that my account has been hacked thru XXXX with unauthorized XXXX transactions to XXXX, XXXX. In a panic I was told to secure funds in a proper placement due this fraud could be happening " in house '' with chase bankers. I was coerced into sending/transferring the money for security protection. I received an email from Chase with a verification pin to authorize the proceedings of the call.Upon doing so, was told case # 's for the fraud XXXX charges and an agent name XXXX XXXX ID number- XXXX. I then transferred money thru XXXX with 3 transactions as in a total on {$5000.00}, under the impressed the assets would be secured. I received a call the next morning ( XX/XX/XXXX ) to go to the bank to retrieved my {$4000.00} balance in cash and deposit in to another chase account and was severely worried because my online banking password was blocked to log in. I was told to not go to my local branch and to not tell the banker due to this being an investigation within house of Chase banker committing fraud on clients and if I was willing to press charges with against the perpetrators since 30 % of clients have been scammed. I transferred the money while on the phone being told what to do as I was working with a bank teller at the window and deposited funds to Account # XXXX Routing XXXX, XXXX XXXX XXXX in XXXX XXXX. I have now receive temporary credit from chase after filing a claim same day XX/XX/XXXX for the XXXX while the investigation is still going on. As for as the XXXX, a claim has been placed and I proceeded to go to my local XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). and filed a report with XXXX XXXX and XXXX, but for the escalated detectives to proceed the need an affidavit from Chase to continue the investigation I was working on getting that with my personal banker but may have trouble since chase said I withdrawn the cash. So that is an investigation that claims department is pending. I was pressured, and coersed by false impersonation of Director Of frauds with XXXX and Chase representative under the impression I was protecting my funds. I will make sure to fight for all {$9000.00} to make sure all funds are back in my account

Company response to consumer: Closed with explanation