vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the reporting of a XXXX XXXX XXXX secured credit card account ( ending in XXXX ). 

Background This was a secured credit card account with a {$200.00} credit limit, opened on XX/XX/XXXX. The card was backed by my own funds and therefore should have carried minimal risk of charge-off. However : The account became delinquent on XX/XX/XXXX. 

It was marked as closed on XX/XX/XXXX, and subsequently charged off. 

The last recorded payment occurred on XX/XX/XXXX. 

Despite the charge-off, the account is being reported as PAID every month, which is misleading. 

There has been no reported activity since XX/XX/XXXX, and Equifax continues to show it as reviewed monthly for the past XXXX  months. 

This reporting is both factually inconsistent and legally improper. 

FCRA Violations Despite my previous disputes, Equifax has failed to properly validate or verify this account per the requirements of 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must : Conduct a reasonable reinvestigation upon notification of a dispute, and Delete or correct any information found to be inaccurate, incomplete, or unverifiable within 30 days.

To date, Equifax has not provided any documentation substantiating its continued reporting of this account.

Statute of Limitations Louisiana Law Under Louisiana Civil Code Article 3494 ( 1 ), the statute of limitations for consumer debt ( including credit cards ) is XXXX years from the last activity. As of today, more than XXXX years have passed since the last reported payment ( XX/XX/XXXX ). Therefore : This account is time-barred for collection, and Its continued reportingespecially with misleading " PAID '' notations post-charge-offcreates a false impression of ongoing activity, misrepresenting my credit history and adversely affecting my creditworthiness. 

Requested Relief I respectfully request the CFPB to : Investigate Equifax for failure to comply with FCRA obligations regarding reinvestigation and reporting accuracy. 

Require Equifax to delete or correct the obsolete and inaccurately reported XXXX XXXX XXXX account. 

Investigate whether Equifax is systematically mishandling the reporting of secured, charged-off accounts that were fully paid yet continue to reflect negative or contradictory information. 

This issue has negatively impacted my credit profile and potential access to fair lending opportunities, in direct violation of my rights under federal and state law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$630.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: TX

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 2025-09-03 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-09-03 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: LEXISNEXIS
State: AZ

Complaint narrative:
I have been working with an insurance Broker trying to find rates from different companies on our home insurance. It was found by this broker that XXXX claims, amounting to thousands of dollars do not belong to me. This is on LexisNexis reporting information. 
I have tried numerous times to get XXXX XXXX to remove these........ first by several emails and most recently by letter with all information needed to resolve this. All I ever get is automatic responses saying they don't have all needed information. I am almost positive that they are reporting all claims that come in from anyone in our community on my Unit Number. We live in a condo community and there are about XXXX homes. There is only one claim that is mine from XXXX  from XXXX. XXXX verified this with a XXXX of XXXX. I am sending all information that I have sent to them with absolutely nothing but automatic responses. The XXXX that I am working with in finding Home insurance says that these claims would cost me an additional XXXX {$400.00} a years in premiums ... and they do NOT belong to me. Please help me in any way possible to get XXXX XXXX to do the right thing and remove these claims that do no belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I just filed a complaint and they said my the account is not owned by them no longer and that they havent been contacting me. But here is proof they are still contacting about this debt that i dont not have! Please remove this debt off my name and credit report and stop contacting me about the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
BEEN GETTING CALLS FROM radius global solutions that is not on my credit report anywhere trying to call XXXX  times a week from multiple XXXX numbers. 
No where on my credit report has this company.

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 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I saw an erroneous charge of {$1300.00} on my card from a small foreign rental car company which I took to be a mistaken double charge. I reached out to Chase whom took XXXX months to process and investigate the issue. They came back saying it is not a double charge but rather related to potential damages related to fueling. The issue is I had never fueled the car as its check engine light turned on a day after receiving the vehicle. When I asked for the details, Chase sent an itemized repair bill with large costs for basic items ( such as {$60.00} for spark plugs that cost {$3.00} ). Other suspicious charges included " system flushing XXXX times '', but a car 's fuel system can not be flushed a half time. When I informed Chase that no damages were done to the car and the itemized bill had many suspicious charges, Chase told me that the time has expired for them to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under XXXX XXXX. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-09-03 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: TX

Complaint narrative:
I dispute these accounts as fraudulent since I never opened or authorized them. Please conduct a detailed review and remove them from my report. Attached is proof.

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 2025-09-03 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: NV

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or XXXX. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On the date of XX/XX/XXXX, I electronically transferred money into my Regions Personal Checking Account from a verified Personal Savings Account ( XXXX Bank ). This verified account was setup in XXXX for the purpose of transferring money between the XXXX institutions and has always worked reliably. As of XX/XX/XXXX, my Regions Personal Checking Account reflected this transfer as Available and Posted balance. On the date of XX/XX/XXXX, I went to the local Regions Branch ( XXXX XXXX XXXX ) to initiate a Domestic Wire Transfer. During this visit I interacted with a Regions employee by the name of XXXX XXXX who was to perform the wire transaction. It was by XXXX that I was informed that the money that I had transferred into my Personal Checking Account could not be used for a wire transmission as it was Bank Policy that the money could not be used after the transfer for XXXX business days. The local branch was unable to produce any policy in writing regarding this stipulation and refused to answer any questions regarding such an inconvenient process. On the date of XX/XX/XXXX, I contacted Regions Corporate Support regarding this incident and spoke with XXXX, extension XXXX within XXXX XXXX XXXX Banking Department. 
XXXX was very helpful but was unable to locate any policy consistent with what I was told earlier in the day at the local branch. XXXX was also unable to provide any clarification on why I had been denied access to posted available funds within in my account for this purpose. XXXX also advised that it wasn't XXXX 's XXXX regarding a Wire Transfer. During this call I was advised that someone from Regions would be contacting me regarding what was being do the resolve this issue so that it would not occur again. To this date I haven't been contacted by Regions Bank.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00}

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