vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: MN

Complaint narrative:
I am submitting this formal complaint against the XXXX major credit reporting agenciesEquifax, Experian, and TransUnionfor reporting inaccurate, incomplete, and unverifiable information on my credit file. 

I have already disputed these items directly with the bureaus, but they have failed to remove or properly verify the accounts, inquiries, and tradelines that do not belong to me. These errors are damaging my credit standing and causing me distress. 

Equifax is inaccurately reporting accounts such as : 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, and others Equifax. 

Experian is reporting inaccurate accounts including : 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 Experian. 

TransUnion is reporting inaccurate accounts such as : 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 and others TransUnion XXXX 

All three agencies are also reporting unauthorized and inaccurate hard inquiries that I never initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX BALANCED {$3300.00} DATE OPEN : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

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 2025-09-12 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: GA

Complaint narrative:
I had an auto accident in XX/XX/XXXX that resulted in a total loss of my vehicle ( XXXX XXXX XXXX ). I had full coverage with XXXX plus GAP coverage through both XXXX and XXXX XXXX XXXX ( via XXXX XXXX XXXX ). 

XXXX paid {$21000.00} toward my loan and confirmed they overpaid by {$1000.00} ( including my {$1000.00} deductible ). 
XXXX XXXX XXXX ( XXXX provider ) sent me a letter dated XX/XX/XXXX confirming that my loan was satisfied in full and, based on the figures, the account was actually overpaid by {$2000.00}. 
XXXX sold my vehicle on XX/XX/XXXX for {$420.00}. These funds were never applied to my loan balance. 

Despite the fact that insurance and GAP overpaid my loan, XXXX has continued to report a balance. Their letters and collection agencies have shown varying balances ranging from {$2100.00} - {$2800.00}, none of which are accurate. I conducted multiple three-way calls with both XXXX and XXXX XXXX XXXX XXXX during which both confirmed the loan was fully satisfied. SETFs representatives acknowledged escalations but never corrected the reporting. 

Since XX/XX/XXXX, XXXX has continued to report me as owing a balance, charged off, and delinquent. This reporting is inaccurate, harmful to my credit, and a violation of the Fair Credit Reporting Act. 

For the Credit Bureaus XXXX XXXX, Equifax, XXXX  ) : I have disputed this tradeline multiple times over the years, including through XXXX XXXX, yet the credit bureaus have continued to publish the inaccurate balance reported by XXXX. Despite providing documentation that my loan was fully satisfied and overpaid, the bureaus have not corrected or deleted the account. By continuing to report this false balance, the credit bureaus are in violation of the Fair Credit Reporting Act. 

Desired Resolution : I request that XXXX immediately correct my account to reflect a {$0.00} balance, delete the inaccurate tradeline from XXXX, Equifax, XXXX, and any other bureau or anywhere else it may be reported, and cease all collection activity related to this account. 

I have included copies of : Letters received from XXXX  showing varying balances, XXXX XXXX XXXX XXXX GAP letter confirming the loan was satisfied and overpaid, The tradeline currently reported by XXXX to the credit bureaus XXXX Collections agency letters showing inconsistent balances Documentation of the XXXX auction sale ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an auto accident in XX/XX/XXXX that resulted in a total loss of my vehicle ( XXXX XXXX XXXX ). I had full coverage with XXXX plus GAP coverage through both XXXX and XXXX XXXX XXXX ( via XXXX XXXX XXXX ). 

XXXX paid {$21000.00} toward my loan and confirmed they overpaid by {$1000.00} ( including my {$1000.00} deductible ). 
XXXX XXXX XXXX ( GAP provider ) sent me a letter dated XX/XX/XXXX confirming that my loan was satisfied in full and, based on the figures, the account was actually overpaid by {$2000.00}. 
XXXX sold my vehicle on XX/XX/XXXX for {$420.00}. These funds were never applied to my loan balance. 

Despite the fact that insurance and GAP overpaid my loan, XXXX has continued to report a balance. Their letters and collection agencies have shown varying balances ranging from {$2100.00} - {$2800.00}, none of which are accurate. I conducted multiple three-way calls with both XXXX and XXXX XXXX XXXX XXXX XXXX which both confirmed the loan was fully satisfied. XXXX  representatives acknowledged escalations but never corrected the reporting. 

Since XX/XX/XXXX, XXXX has continued to report me as owing a balance, charged off, and delinquent. This reporting is inaccurate, harmful to my credit, and a violation of the Fair Credit Reporting Act. 

For the Credit Bureaus XXXX Experian, XXXX, XXXX  ) : I have disputed this tradeline multiple times over the years, including through XXXX XXXX, yet the credit bureaus have continued to publish the inaccurate balance reported by XXXX. Despite providing documentation that my loan was fully satisfied and overpaid, the bureaus have not corrected or deleted the account. By continuing to report this false balance, the credit bureaus are in violation of the Fair Credit Reporting Act. 

Desired Resolution : I request that XXXX immediately correct my account to reflect a {$0.00} balance, delete the inaccurate tradeline from Experian, XXXX, XXXX, and any other bureau or anywhere else it may be reported, and cease all collection activity related to this account. 

I have included copies of : Letters received from XXXX  showing varying balances, XXXX XXXX XXXX XXXX XXXX letter confirming the loan was satisfied and overpaid, The tradeline currently reported by XXXX to the credit bureaus XXXX Collections agency letters showing inconsistent balances Documentation of the XXXX auction sale ( XX/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 2025-09-12 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: PA

Complaint narrative:
Subject : URGENT DISPUTE Duplicate Account Reporting Re Account : XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute duplicate reporting of the same account on my credit report. The above-referenced account is being listed twice, under different entries, which is inaccurate, misleading, and a direct violation of the Fair Credit Reporting Act ( FCRA ) requirement for accurate and fair credit reporting. 

The duplicate entries appear as follows : Account # XXXX : Creditor Name, XXXX Fres Account Number XXXX, Balance : No Balance, Date Opened : XX/XX/2021 Account # XXXX : Creditor Name XXXX XXXX, Account Number : XXXX, Balance : No Balance, Date Opened : XX/XX/2021 These are clearly the same account reported twice, and I am demanding that both of these entries be permanently deleted from my credit report immediately. 

I am including a copy of my credit report with the duplicate accounts clearly highlighted, along with identifying documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
Subject : URGENT DISPUTE Duplicate Account Reporting Re Account : XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute duplicate reporting of the same account on my credit report. The above-referenced account is being listed twice, under different entries, which is inaccurate, misleading, and a direct violation of the Fair Credit Reporting Act ( FCRA ) requirement for accurate and fair credit reporting. 

The duplicate entries appear as follows : Account # XXXX : Creditor Name, XXXX Fres Account Number XXXX, Balance : No Balance, Date Opened : XX/XX/2021 Account # XXXX : Creditor Name XXXX XXXX, Account Number : XXXX, Balance : No Balance, Date Opened : XX/XX/2021 These are clearly the same account reported twice, and I am demanding that both of these entries be permanently deleted from my credit report immediately. 

I am including a copy of my credit report with the duplicate accounts clearly highlighted, along with identifying documentation.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was in XXXX Texas attending the XXXX  festival. I believe that I was pickpocketed at this event. I did not realize that my debit card was missing until later when I took the XXXX back to the hotel. I opened my Chase app and realized there were two charges that I did not recognize. One of the charges was for {$100.00} for XXXX XXXX and the other charge was for XXXX XXXX for {$37.00}. I immediately went into the app and locked my debit card and proceeded to contact Chase. They informed me that they would unlink my debit card from any and all apps and that they would cancel my card and send me a new one. They also informed me that they would be doing an investigation into the incident and would let me know what they found out. 
I then decided to get on the phone with XXXX and tell them about the situation. They looked up the transaction that was for {$100.00} and informed me that someone from a different account had made this purchase. They asked me if I had another account and I told them that I did not. They also informed me that this person had attempted to make two separate transactions after this first transaction. They informed me that they would close down this account and unlink my card. They suggested that I change my password and so that is what I did. I then called Chase back and told them about what I had found out. They said that they would put it in their notes and would let me know what they found out in their investigation. 
I then received a notification on XX/XX/XXXX via my app. The notification did not clarify specifically what they had found. The only thing that they said was that the charges were authorized, and that there would be no adjustment to my account. I do not feel that I was given a clear explanation, and I do not think in any way that it is fair that I have to lose my money when someone else made these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-09-12 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax/Experian/TransUnion ) XXXX XXXX XXXXXXXX so XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I request that you investigate this matter, correct or remove the inaccurate information, and provide me with written confirmation.

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 2025-09-12 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: AL

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax/Experian/TransUnion ) XXXX XXXX XXXXXXXX so XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I request that you investigate this matter, correct or remove the inaccurate information, and provide me with written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CT

Complaint narrative:
Issue : Failure to Provide Validation of Debt / Improper Collection Activity On XX/XX/year>, I received a notice from TrueAccord stating they were collecting on a XXXX Bank account. 
That same day I emailed a formal dispute and requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, TrueAccord confirmed receipt of my request. After that, I received no further emails, letters, or documents from them for over seven months. 

At the end of XX/XX/year>, I began receiving collection notices from a different agency for the same XXXX Bank account. I followed up immediately and they have been wonderful in understanding how awful this interaction was with TrueAccord, despite their inability to speak negative on another company. They showed great support. 

I called TrueAccord to follow up. Their representative confirmed that the last communication in their system was XX/XX/year> and that no validating documents had been sent. She apologized profusely. 

I then called XXXX bank to report to them that this was going on, and three times in a row they sent me to their collections department where I was prompted to give a 3 digit code and obviously didn't have one. I finally called back and demanded a supervisor respectfully, and the male operator found me a supervisor. It was not a pleasant experience with either company. 

Because of the XXXX month gap, this debt was no longer in my active records, and I have been working to improve my credit. The renewed collection activity now threatens to damage my credit despite my good-faith effort to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date Reported XXXX XXXX  to XX/XX/year> XXXX XXXX XXXX Late Date Reported XXXX XXXX  to XX/XX/year> XXXX  XXXX XXXX XXXX Late Date Reported 90 days These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with XXXX  under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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