vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
On XX/XX/scrub> 2025, I filed a CFPB complaint regarding a fraudulent XXXX account ( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX By XX/XX/year>2025, the account was removed from my credit report due to suspicious and fraudulent activity. 

On XX/XX/scrub>, 2025, I checked my credit again and discovered that the same account was reinserted without my knowledge or consent, and with a note stating : Account information disputed by consumer, meets FCRA requirements. 

This reinsertion violates the FCRA reinsertion rules, which require : Written notice within XXXX business days, Certification of accuracy from the furnisher, A full investigation before reinserting deleted information. 

I received no notice, no investigation results, and no documentation justifying the reinsertion. 

This account was already confirmed to be fraudulent, removed, and should not have been placed back on my credit report. I am requesting full removal and compliance with FCRA reinsertion requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
I am submitting this complaint to dispute the following items that appear to be inaccurately reported on my TransUnion credit report. Please investigate these accounts, as they contain discrepancies or errors that need to be corrected. I have provided the relevant details for each disputed account. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX 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 2025-11-26 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: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have now mailed XXXX separate disputes to your company : XX/XX/year>, XX/XX/year> and again XX/XX/year> Despite sending XXXX lawful disputes, I have not received XXXX piece of verification for any negative item on my credit report. Not XXXX late payment validation, not XXXX collection validation, not XXXX charge-off validation, and not XXXX inquiry verification. My personal information corrections were also ignored. 
Instead, what I received were stall letters, which I now know ( from publicly available information and CFPB guidance ) are part of the bureaus known stall tactic systems, including claiming : That I am working with a third party That I submitted disputes through a credit repair company That I claimed identity theft All of these are false. 
I did not claim identity theft. 
I am not working with a credit repair company. 
I am the one who submitted every dispute. 
Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable investigation withinXX/XX/XXXX days. 
I gave you XXXX days each round, and you still failed to provide verification. 
Under FCRA XXXX ( a ) ( XXXX ) ( B ) (XX/XX/XXXX ), you must provide a description of the procedure used to verify each item. 
You did not. 
Under FCRA XXXX ( b ), you must follow reasonable procedures to assure maximum possible accuracy. 
You did not. 
Under Metro 2 Compliance Standards, you are required to maintain accurate reporting, proper coding, and proper consumer dispute handling. 
You did not. 
Under FCRA XXXX ( XXXX ) and XXXX, you must provide documents used to verify accounts, including : Original creditor documentation Contract or application bearing my signature Complete payment history Itemized accounting Proof of assignment for any collection Matching identifying information You provided none of these. 
Instead, all three bureaus continue to verify information WITHOUT verification, which is a violation of FCRA, Metro 2, and CFPB regulations. 
Patterns of Illegal Behavior & Known Issues Your company has a documented history of : Failing to investigate disputes Using automated stall tactics Issuing third-party denial letters without evidence Adding unauthorized fraud alerts And multiple federal lawsuits, including data breach failures I am aware of your past violations, including : Equifax data breach TransUnion data breach Experian XX/XX/XXXX breach Yet these are the companies trusted to report and protect consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I am disputing the accuracy of the late payment information reported by XXXX XXXX XXXX XXXX. The company claims that billing statements and notifications were sent prior to the due dates ; however, I did not receive proper notice or documentation confirming the reporting timeline. 

The alleged late payment occurred in XXXX 2024. I made multiple attempts to submit payments and correct the issue, but there were errors with processing and returned ACH transactions that were not clearly communicated to me at the time. Payments were made, but the company continued to report the account as delinquent without providing clarification or confirmation of the payment status during that time. 

Additionally, their response did not include proof that : Notices or billing statements were sent and delivered. 
A reasonable investigation was performed. 
The dates used to calculate the delinquency are accurate. 
The reporting complies with FCRA requirements. 

Instead, I received a generic template response that did not address my specific concerns or validate the accuracy or timing of the reporting. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX to provide full verification of the reported late payment, including delivery confirmation, investigation records, and methodology used to validate the information being furnished to the credit bureaus.

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 2025-11-26 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, XXXX, XXXX, XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) and XXXX, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

XXXX Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-11-26 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: GA

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 XXXX 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 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 2025-11-26 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: EQUIFAX, INC.
State: GA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC XXXXg ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC XXXX ( Section XXXX ( c ) ). 
Harassment under 15 USC XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. CXX/XX/XXXXe XXXXb. 

I demand that the following items be deleted immediately from my credit report :

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 2025-11-26 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: FL

Complaint narrative:
I am disputing the following accounts due to inaccuracies on my credit report : XXXX ( Account Number XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$3600.00} ) XXXX XXXXXXXX ( Account Number XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$370.00} ) XXXXXXXX XXXX  ( Account Number XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$3600.00} )

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My total owed amount balance was {$1900.00} as of XX/XX/XXXX, I made a payment of {$350.00} on XX/XX/XXXX. Leaving me with a balance of {$1600.00}. The promotional period ended on XX/XX/XXXX and on XX/XX/XXXX they changed me {$1400.00} bringing my balance back up to almost the full credit limit. There is a XXXX  XXXX XXXX on the statement that states that my promotinal period is ending and needs to be paid in full to not incur interest. It does not state anywhere in that alert that you will be paying interest on the XXXX amount from the last XXXX  months for retroactive interest. I applied for this financing through XXXX for my services who also did not disclose or make me fully aware of this before I applied. I called them to see if I was able to pay the owed amount in full of XXXX XXXXXXXX minus the {$1400.00} since it has only been XXXX  days past the end of the promotional period, that I have been paying 100 % of my payments on time since I opened the account and to just close out the account and that I simply am having financial hardships and can not afford to pay this misleading amount of intrest which will also end up accruing 32 % interest, which seems almost impossible to ever pay off. They refused to allow me to do this and that no fees can be waived or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am a consumer working to improve my credit. Below is a list of accounts that I am disputing, categorized by bureau. 

Charged Off Accounts XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXXXX/XX/XXXXXX/XX/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 2025-11-26 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: MD

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 2025-11-26 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Issue type : Fraud or unauthorized account use Company : JPMorgan Chase Product : Business checking account Problem : Bank denied my fraud claim without a reasonable investigation Complaint : Between XX/XX/XXXX and XX/XX/year>, my Chase business checking account experienced multiple fraudulent cash-advance transactions totaling {$66000.00} : {$5300.00} ; {$10000.00} ; {$10000.00} ; {$5300.00} ; {$10000.00} ; {$10000.00} ; {$5000.00} ; {$5000.00} ; {$2000.00} ; {$1000.00}. 

These transactions were abnormal, high-risk, and inconsistent with my prior account behavior, yet Chase allowed all of them to process within a XXXX period with no fraud alerts, no verification, and no intervention. 

I was incapacitated and unable to provide valid consent, and the merchant ( a casino ) acted in violation of state gambling regulations by enabling intoxicated gambling and repeatedly issuing large cash advances. This constitutes exploitation, lack of consent, negligence, and unfair business practices. 

When I reported the charges as fraud, Chase : Denied my claim without providing evidence Refused escalation Refused providing executive contacts Failed to conduct a reasonable investigation Failed obligations under Federal Regulation XXXX including investigation requirements preventing unauthorized withdrawals identifying abnormal activity Chases failure to protect my business funds and failure to investigate properly has left my company in severe financial hardship : we are behind on all financial obligations, facing possible collapse. 

I am requesting the CFPB require Chase to : Reopen and reinvestigate my case Provide documentation of the investigation Restore the {$66000.00} in fraudulent withdrawals Explain why no fraud alerts were triggered Address their failure to follow Reg E investigation standards This situation has caused extraordinary financial harm, and Chase has refused all internal escalation paths.

Company response to consumer: Closed with explanation