vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-10-10 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-10 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: AL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: KY

Complaint narrative:
I am disputing again as a concerned consumer regarding inaccuracies that remain on my credit report despite previous disputes. These items continue to misrepresent my financial history and are causing ongoing harm to my credit reputation. I am requesting the permanent removal of these entries in accordance with my rights under federal law. 
The first account is XXXX XXXXXXXX XXXX XXXX XXXX, Balance Owed : {$360.00} * *, reported as Late Closed. Upon reviewing my records, it is clear that this account has been inaccurately reported. The negative reporting of this account violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which guarantees my right to dispute and reinvestigate inaccurate information ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information known or reasonably believed to be inaccurate ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy ; and 605B / 15 U.S.C. 1681c-2, which allows for blocking or removal of information resulting from errors or misrepresentation. I am requesting that this account be permanently deleted from my credit report. 
Additionally, several inquiries listed on my report are inaccurate and were not properly authorized or verified. These include : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries violate 605B / 15 U.S.C. 1681c-2, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which require proper authorization and accurate reporting of consumer inquiries. Since these inquiries are inaccurate or unverifiable, they must be permanently removed 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 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

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 2025-10-10 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: NY

Complaint narrative:
I am writing again as a concerned consumer regarding several inaccuracies on my credit report that continue to misrepresent my financial history. Despite my previous dispute, these accounts and inquiries remain, and I am requesting their permanent removal under my rights protected by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * These accounts were reported inaccurately, and their negative reporting does not reflect my true financial history. Reporting them in this manner violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ; and 605B / 15 U.S.C. 1681c-2, all of which support accurate and lawful reporting. I request that these accounts be permanently deleted. 
XXXX XXXX XXXX, Balance Owed : {$0.00} * This account is inaccurately reported as charged-off. Reporting XXXXbalance accounts as charged-off violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, and I request its permanent removal from my credit report.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were either unauthorized, inaccurate, or unverifiable, which violates 605B / 15 U.S.C. 1681c-2 ; FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ). Since they are inaccurate or unauthorized, they must be permanently removed from my credit report. 
XXXX XXXX, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} * * This collection account is inaccurately reported and unverified. Its reporting violates FCPA 807 15 U.S.C. 1692e and FDCPA 809 15 U.S.C. 1692g, which require accurate and verifiable information. I am requesting its permanent removal 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 2025-10-10 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: AR

Complaint narrative:
I am sending these to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collections, closed accounts, and an inquiry associated with a disputed account. Upon review, these accounts appear to contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXX/XX/year> Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any items that I believe to be inaccurate or incomplete and to request that a reasonable investigation be conducted. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information reported in my credit file must be accurate and verifiable.

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 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt. Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency. 2. A full itemization of the alleged debt, including principal, interest, fees, and all charges.3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXX v. XXXX XXXX XXXX XXXX ( XXXX ), which supports the principle that the note and security instrument can not be separated. Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 

CREDIT COLLECTION SERVICES XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: VA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and CFPB enforcement authority, regarding unauthorized credit inquiries and fraudulent accounts that have appeared on my consumer credit reports without my consent, knowledge, or any legitimate business purpose.

This complaint is being submitted to the CFPB for immediate investigation and enforcement, and to be forwarded to Equifax, XXXX, and XXXX  to compel compliance under federal law.

II. UNAUTHORIZED CREDIT INQUIRIES The following hard credit inquiries were made without my authorization or permissible purpose, in direct violation of the FCRA, specifically 15 U.S.C. 1681b ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Flagship Cre synvb/lowes I have never applied for credit or given written or electronic consent for either of the above entities to access my credit file. These inquiries were made without a permissible purpose, rendering them unlawful under 15 U.S.C. 1681b ( a ) and 1681n, which establish civil liability for willful noncompliance.

III. FRAUDULENT ACCOUNTS Additionally, the following accounts appear on my credit reports and are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX I did not open, authorize, or benefit from any account with the above creditors. These accounts were opened without my knowledge or consent, constituting identity theft and a violation of the FCRA 1681c-2, which provides consumers the right to block information resulting from identity theft.

Pursuant to the FTC Identity Theft Rules ( 16 C.F.R. 603.3 ), these furnishers and credit bureaus are now legally required to block and delete these fraudulent accounts from my file within four ( 4 ) business days of receiving proof of identity and this formal notice.

IV. FEDERAL RIGHTS AND DEMAND FOR ACTION Under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), I am invoking my federal right to : 1. A full investigation and deletion of any unauthorized or inaccurate information ; 2. Removal of all inquiries made without permissible purpose ; 3. Notification to all parties who have received my credit report containing this information ; and 4. Compensation and legal recourse for damages arising from willful or negligent noncompliance.

Failure to comply may result in legal action seeking all available remedies under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including actual damages, statutory damages up to {$1000.00} per violation, attorneys fees, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: VA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and CFPB enforcement authority, regarding unauthorized credit inquiries and fraudulent accounts that have appeared on my consumer credit reports without my consent, knowledge, or any legitimate business purpose.

This complaint is being submitted to the CFPB for immediate investigation and enforcement, and to be forwarded to XXXX, XXXX, and TransUnion to compel compliance under federal law.

II. UNAUTHORIZED CREDIT INQUIRIES The following hard credit inquiries were made without my authorization or permissible purpose, in direct violation of the FCRA, specifically 15 U.S.C. 1681b ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX I have never applied for credit or given written or electronic consent for either of the above entities to access my credit file. These inquiries were made without a permissible purpose, rendering them unlawful under 15 U.S.C. 1681b ( a ) and 1681n, which establish civil liability for willful noncompliance.

III. FRAUDULENT ACCOUNTS Additionally, the following accounts appear on my credit reports and are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX I did not open, authorize, or benefit from any account with the above creditors. These accounts were opened without my knowledge or consent, constituting identity theft and a violation of the FCRA 1681c-2, which provides consumers the right to block information resulting from identity theft.

Pursuant to the FTC Identity Theft Rules ( 16 C.F.R. 603.3 ), these furnishers and credit bureaus are now legally required to block and delete these fraudulent accounts from my file within four ( 4 ) business days of receiving proof of identity and this formal notice.

IV. FEDERAL RIGHTS AND DEMAND FOR ACTION Under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), I am invoking my federal right to : 1. A full investigation and deletion of any unauthorized or inaccurate information ; 2. Removal of all inquiries made without permissible purpose ; 3. Notification to all parties who have received my credit report containing this information ; and 4. Compensation and legal recourse for damages arising from willful or negligent noncompliance.

Failure to comply may result in legal action seeking all available remedies under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including actual damages, statutory damages up to {$1000.00} per violation, attorneys fees, and punitive damages.

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 2025-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
XXXX XXXX  sold my mortgage to Chase bank without my knowledge. Chase bank has informed me that they have not received my XXXX payment. I informed Chase bank that the payment was made on time on XXXX and provided them with a conformation number I have received when I had made the payment along with the date and time of the payment. A few days later Chase bank contacted me and said that the issue has been resolved and that my next mortgage bill will have the month of XXXXXXXX XXXX amount do removed from the total cost for the month due. A few weeks later they sent me a notice in the mail stating I owe a back payment for XXXX again and now they want bank statements proving that I paid on time and that this is their mistake not mine. I did not want to do business with Chase bank because of the horrible reviews about the company but my mortgage was sold to them anyways with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
I am writing to formally dispute an account on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete the following account, as it can not be verified as accurate or legitimately associated with me : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/year> Balance : {$2300.00}

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 2025-10-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report.

INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation