vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-12-04 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts listed on my credit report, as I believe they contain inaccurate information. Below is a summary of the disputed accounts for each bureau : Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
This inquiry is not authorized and was done by the creditors without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-12-04 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: AZ

Complaint narrative:
Experian is reporting a charge-off for account XXXX that is inaccurate, incomplete, and can not be properly verified. The tradeline does not show correct creditor information, ownership, balance history, or whether the account was sold. This account was transferred, and a debt buyer is already reporting its own collection, yet Experian continues to report the original charge-off with conflicting and outdated information. I requested verification from Experian, but they did not provide any documentation showing the basis for continuing to publish this negative tradeline. Because Experian can not verify the accuracy of this information under the FCRA, the account should not be reported.

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 2025-12-04 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: AL

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX XXXX  - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXXXXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$290.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} Inquiries : I am disputing the following inquiry on my Equifax credit report : XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This medical collection is inaccurate and not properly validated. 
I requested validation from the collector ( Medical Data Systems ) but they can not provide documentation proving I owe this. 
I am requesting removal from XXXX  immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 disputing the following charged-off accounts on my TransUnion credit report : XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXXXXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1400.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$700.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$290.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$500.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$610.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$550.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} Inquiries : I am disputing the following inquiries on my TransUnion credit report : XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX Late Payments ( All Bureaus ) : I am disputing the following late payments across all bureaus : XXXX - Account No. XXXX XXXX XXXX XXXX  - Account No. XXXX XXXX - Account No. 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 2025-12-04 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:
I am writing to dispute the following charged-off accounts that are inaccurately reported on my credit file with TransUnion : Charged Off Accounts : XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXX, Opened XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX : Account Number : XXXX, Opened XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : Account Number : XXXX, Opened XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX : Account Number : XXXX, Opened : XX/XX/XXXX XXXX Balance : {$0.00} Inquiries : XXXX XXXX : Date : XX/XX/XXXX FACTUAL DATA : Date : XX/XX/XXXX FACTUAL DATA : Date : XX/XX/XXXX FACTUAL DATA : Date : XX/XX/XXXXXXXX XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX : Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXX Late Payment : XXXX  XXXX : Account Number : XXXX XXXX  XXXX : Account Number : XXXX XXXX  XXXX : Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-12-04 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: IN

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 2025-12-04 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: NC

Complaint narrative:
I am a consumer attempting to correct inaccuracies and outdated information appearing on my credit reports. I have identified multiple errors across Experian, XXXX, and XXXX  that are negatively impacting my credit. I am requesting an investigation and correction under the Fair Credit Reporting Act ( FCRA ). 


The following addresses are inaccurate or no longer associated with me. 
Please remove or correct these addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are outdated and should not be listed as current or associated with any open accounts. 

XXXX. Charged-Off Accounts I am disputing the accuracy and validity of the following charged-off accounts.

Some may have been paid, settled, or incorrectly reported. 
Please verify full account details and update or delete any inaccurate data : Creditor Name Account Number Date XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$950.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Avant XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  Recovery XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. Inquiries There are no inquiries listed to dispute at this time. 

XXXX. Late Payments The following accounts have been reported with late payments that I believe are inaccurate or require verification. 
Please confirm the accuracy of the late payment history or remove any unverified delinquencies. 

XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been working with Fifth Third since XXXX trying to obtain approval for a short sale. They were very difficult to work with, I told them on multiple occasions that I was requesting a short sale but they said they had to first offer m a loan modification. The modification they offered was not reasonable on my budget. I was previously employed earning over $ XXXX year, now on Social Security XXXX around {$3600.00} a month. I was able to make the payments for awhile but my XXXX was coming to an end and would have to rely solely on XXXX. After serval calls and escalating this issue, I was finally placed with their XXXX department. We had worked through all of their additional requests and documentation. My agent and I had anticipated an answer this week. 

On Tuesday, we received an email from XXXX in XXXX saying that he could no longer assist me because my loan was sold. This should be against every legal and moral rule. I have tried for XXXX days to contact the new lender, XXXX XXXX. I have called using the new client due to lender change option only to receive an automated response that the old acct number I provided doesnt match anything in their system. 

I waited on hold and was dropped after XXXX minutes each try. I requested a call back via the automated process. When requested, I received a message indicating they would call me in XXXX minutes. I have not received a callback. 

I found XXXX email addresses online, XXXX was a general email and the other for mortgage assistance. I sent them both an email request and havent received a response back. 

My buyer is frustrated too. I anticipate he will walk away since we were so close to resolution and we cant even begin the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue : Repeated late fees on an inactive account that Chase refuses to reverse What happened : I recently discovered that an inactive Chase account had a very small balance I was unaware of. Because of this, Chase applied a {$40.00} late fee, then another {$40.00} late fee on top of that, and then a third {$40.00} late fee totaling {$120.00} in fees on an inactive account with a negligible balance. 

I did not receive any effective notice that a balance was due or that late fees were accruing. I contacted customer service as soon as I became aware of the issue, but they stated they could not reverse any of the fees and advised me to write a letter to headquarters. 

This appears to be fee pyramiding, where a fee triggers additional fees without giving the customer a real opportunity to resolve the issue. 

What I am requesting : I am asking Chase to reverse the XXXX late fees ( {$120.00} total ) as a courtesy adjustment, given : The account was inactive I had no reason to expect a remaining balance I received no clear notice before multiple fees accrued Customer service refused to assist despite reasonable circumstances I am seeking a good-faith resolution and the refund of the {$120.00} in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a formal dispute regarding the following entries on my credit report. I believe these entries are erroneous and should be corrected in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX  ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1700.00} ) Inquiries : XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX  ( Date : XX/XX/XXXX ) Late Payments : XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) 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 explanation
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing inaccurate and/or unverifiable information on my credit report reported by EXPERIAN. Despite submitting documentation and a formal written request, the company failed to correct the inaccurate late payment entries in accordance with the Fair Credit Reporting Act ( FCRA ) 1681i. These inaccuracies have harmed my credit score and caused financial and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I've requested under the ( fcra ) that they clear all inaccurate information off my credit file meaning incorrect dates to which accounts were acquired, amounts owed are incorrect and way over actual balances owed and some accounts have NOT been properly verified as requested in writing. Asked TransUnion to supply evidence that was used to verify accounts as accurate, was told by rep to contact the companies.

Company response to consumer: Closed with explanation