vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
original complaint number XXXX XXXX XXXX or early XXXX, a Chase checking account and possibly a savings account was opened in my my name. I had mail forwarded from my previous address to my new address and receive account statement I contacted Chase and requested the accounts to be closed. However, more than six years on, when I attempt to apply for a checking account, because I actually do need to bank with Chase, I'm unable to open one online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
Subject : Inaccurate and incomplete credit reporting by TransUnion, Experian, Equifax XXXX XXXX XXXX XXXX XXXX accounts To : Consumer Financial Protection Bureau I am filing this complaint against all three credit reporting agencies ( TransUnion, Experian, and Equifax ) regarding inaccurate and incomplete information in my credit reports, specifically concerning two accounts : XXXX XXXX ( opened XX/XX/XXXX, charged off ) XXXX  XXXX ( opened XX/XX/XXXX, charged off ) XXXX  XXXX : The reports fail to display the Date of First Delinquency ( DOFD ), which is essential under the Fair Credit Reporting Act ( FCRA ) for determining the reporting period. I have previously disputed this account, but no DOFD has been provided in any bureaus reporting. 

XXXX XXXX : Across six months of XXXX  credit report pulls, there is no DOFD listed in any bureaus reporting. This violates the FCRAs accuracy and completeness requirements. If the furnishers can not verify the DOFD with proper documentation, this tradeline must be deleted. 

Specific examples ( XXXX XXXX, no DOFD listed ) : Credit Report - XXXX  page 19 Credit Report - XXXX, page 19 Credit Report - XXXX, page 17 ( TransUnion ) Credit Report - XXXX, page 17 ( TransUnion ) Credit Report - XXXX, page 13 ( TransUnion ) Credit Report - XXXX, page 21 ( TransUnion ) Requested Resolution : Provide the DOFD for both XXXX XXXX and XXXX XXXX accounts, along with documentation from the furnishers supporting all reported fields. 

If the DOFD can not be verified or records are incomplete, delete these accounts from all three credit bureaus. 

Provide me with written confirmation of any corrections or deletions. 

Attachments : Full XXXX  credit reports ( 6 months ), with the relevant pages referenced above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express is inaccurately reporting a 30-day late payment for XX/XX/XXXX on my account ( AMEX XXXX ). My records and the credit bureau payment history show the account was paid on time and in good standing. This false late payment is negatively impacting my credit. On XX/XX/XXXX, I sent American Express a formal dispute letter pursuant to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 611 ( a ). and I requested removal of the false late payment, an update to show positive payment history, and notification to all credit bureaus. 
FCRA concerns : Furnishing information that is not 100 % accurate or verifiable prior to reporting. 


Failure to ensure maximum possible accuracy of reported information. 


Potential failure to conduct a reasonable investigation into a direct dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Account Information - FCRA Violation Dear TransUnion, This letter formally disputes inaccurate and potentially re-aged information on the credit report, specifically regarding the following account : XXXX XXXX XXXX " Deposit related loan shown on report '' ] XXXX " Account related to the Deposit related loan on report opened XX/XX/XXXX '' ] Type of Account : Deposit related / Charge-Off Reported Status : Collection / Charge-Off Reported Date : XX/XX/XXXX [ as per your image, use the date reported ] The account is disputed as inaccurate and potentially in violation of the Fair Credit Reporting Act ( FCRA ), particularly concerning its continued and potentially re-aged reporting. While the account 's original opening date is stated as XX/XX/XXXX, the " Reported '' date of XX/XX/XXXX, and any subsequent monthly updates, suggest that the negative information may be unfairly prolonged or updated in a manner that re-ages the debt, impacting the permissible reporting period under the FCRA. 
Specifically, an investigation into the following is requested : Accuracy and Completeness of Reporting : Verify the complete accuracy of all details reported for this charged-off account, including dates, balances, and status.

Compliance with Reporting Periods : Confirm that the reporting of this charge-off complies with the maximum seven-year reporting period allowed under the FCRA, and that no re-aging has occurred through monthly updates or changes to the " Reported '' date.

Verification of Debt : Provide full verification of this debt and the details reported, including the name of the original creditor and any subsequent owners of the debt. 
Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is obligated to investigate disputed information and remove or correct any inaccurate, incomplete, or unverifiable information within 30 days of receiving this dispute. 
Enclosed are copies of identification and proof of address for verification purposes :

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: WI

Complaint narrative:
I was given over XXXX XXXXXXXX in available Credit and I took the accounts because of the incentives. I am on XXXX and work part time. I used the accounts to pay for personal expenses and to help restore a XXXX home HOA XXXX XXXX to civil code that could not recieve credit. I was set to pay the balances off but because of 2 civil suites my income was cut in half and I was not able to finish paying off my credit cards. Attorney XXXX XXXX and Attorney XXXX XXXX in XXXX, WI both sued for my income. Including custody of my child. After researching online and talking to people I'm not the only person in this situation. It appears through the over solicitation and the provision of too much credit card availability the United States has been experiencing an extended period of inflationary pressure. Please look into this issue as a national concern and a threat to the strongest currency in the the world.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Inaccurate collection account being reported. Balance inaccuracies, Date inconsistencies, and Payment status contradictions.

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 2025-08-14 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:
Im still seeing inaccurate accounts listed on my credit report, and these accounts have not been cleared. I am asking for a thorough review of the attached documents so I can finally have peace of mind regarding this issue.

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 2025-08-14 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never permitted this inquiry, nor did I engage with this lender on the date 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 non-monetary relief
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS : REPRISE {$16000.00} XXXXXXXX XXXX XXXXXXXX {$7600.00} XXXX OF XXXX {$15000.00} XXXX XXXX  {$1600.00} XXXX XXXX {$23000.00} INQUIRIES XXXX XXXXXXXX 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 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Dear CFPB, I C SYSTEMS COLLECTIONS : I am filing a complaint regarding a debt collection account that appears on my credit report from your company and XXXX for {$89.00} without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - XXXX XXXX XXXX Original Credit Agreement proves the contract I signed XXXX XXXX XXXX XXXX Full Itemized Statement shows how the balance was calculated - XXXX XXXX XXXX  Forward Flow Agreement proves debt was legitimately transferred to collector - XXXX XXXX XXXX Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - XXXX XXXX XXXX Payment History Records verifies payments made or missed - XXXX XXXX XXXX  Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice XXXX XXXX XXXX XXXX Notice of Default or Intent to Collect proof of communication as required by law XXXX XXXX XXXX XXXX Proof of Statute of Limitations confirms the debt is still legally collectible - XXXX XXXX XXXX  Credit Reporting Agreement agreement allowing them to report to bureaus - XXXX XXXX XXXX  Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. 
Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I walked into XXXX XXXX XXXX XXXX with my pre-approval letter from XXXX  XXXXXXXX XXXX XXXX. I spoke with a salesman prior to coming in letting him know that I have a pre approval and don't want my credit ran through other lenders, he stated ok. When arriving I met with the salesman after XXXX of waiting. Heading to his office i stated again & showed him my phone which displayed my pre approval letter for XXXX, I again told him I do not want my credit ran at all this is why I got pre approval before thinking about getting a new vehicle. He looked as if he didn't care, stated ok. He walked out after obtaining some information from me and said give me a second, I say within about XXXX I'm getting alerts from my experian credit report app showing multiple inquiries from XXXX  twice, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and others! I didn't authorize him to do any of this! XXXX XXXX should have been the only one used! When he arrived back in the room I stated I asked you not to run my credit! I've already been pre approved! He looks all confused stating we always try to get you best deals such as warranties & rebates we have in house. I stated i don't care about that! You ruined my credit! After running my name through multiple lenders he still end up using XXXX  XXXX .. this is violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681b, which strictly prohibits obtaining a consumer report without a permissible purpose.

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 2025-08-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I walked into XXXX XXXX XXXX XXXX with my pre-approval letter from XXXX  XXXX XXXX XXXX. I spoke with a salesman prior to coming in letting him know that I have a pre approval and don't want my credit ran through other lenders, he stated ok. When arriving I met with the salesman after 30-45mins of waiting. Heading to his office i stated again & showed him my phone which displayed my pre approval letter for XXXX, I again told him I do not want my credit ran at all this is why I got pre approval before thinking about getting a new vehicle. He looked as if he didn't care, stated ok. He walked out after obtaining some information from me and said give me a second, I say within about 15-20mins I'm getting alerts from my experian credit report app showing multiple inquiries from XXXX  twice, XXXX XXXX XXXX  XXXX XXXX XXXX twice XXXX and others! I didn't authorize him to do any of this! XXXX XXXX should have been the only one used! When he arrived back in the room I stated I asked you not to run my credit! I've already been pre approved! He looks all confused stating we always try to get you best deals such as warranties & rebates we have in house. I stated i don't care about that! You ruined my credit! After running my name through multiple lenders he still end up using XXXX  XXXX .. this is violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681b, which strictly prohibits obtaining a consumer report without a permissible purpose.

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