vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I am filing this complaint because Equifax is inaccurately reporting a 30-day late payment for XXXX XXXX on one of my credit accounts. This information is incorrect. Both XXXX  and Experian correctly report this same account as paid on time for that month. 

This reporting error is causing undue harm to my credit profile and may negatively impact my ability to obtain credit or favorable financial terms. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers of information and credit reporting agencies are required to ensure maximum possible accuracy in the information they report. They are also obligated to promptly correct or delete inaccurate or incomplete data following a dispute. 

I have attempted to resolve this matter through Equifaxs dispute process, but the error remains uncorrected. I am now requesting a full reinvestigation and immediate correction to reflect the accurate payment historypaid on timefor XX/XX/year>. 

I am requesting the Consumer Financial Protection Bureau assistance to ensure that Equifax complies with federal law and updates my credit file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Accounts are being reported under my name without my knowledge or consent. I have never opened or managed them. This is entirely unacceptable and misrepresents my financial history. I take my credit profile seriously, and these unauthorized accounts are a serious concern. I demand immediate clarification regarding their origin and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/scrub>XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-05 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: ME

Complaint narrative:
Im writing to formally dispute a credit inquiry listed on my report that I did not authorize. After reviewing my credit file, I noticed that a hard inquiry on my account without my permission.

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 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/year>, National Credit Systems began reporting a rental collection account for {$2800.00} allegedly owed to The Avenues Apartments. I have no knowledge of this debt, no prior relationship with the original creditor, and did not authorize or enter into any lease agreement related to this debt.

I formally disputed this account and submitted a written demand for validation under the FDCPA ( 1692g ( b ) ) and FCRA ( 1681e ( b ), 1681s-2 ( b ) ) including requests for a signed lease, full itemized accounting, and proof of assignment or legal right to collect. National Credit Systems has failed to provide proper documentation substantiating this debt. 

Despite my dispute, they continue to furnish this unverifiable debt to Experian, damaging my credit and violating multiple consumer protection laws. This unverified and disputed debt is being reported as seriously past due, which constitutes willful noncompliance under FCRA 1681n and continued collection activity without validation under FDCPA 1692g ( b ), both of which are actionable offenses.

This also serves as written notice of dispute under FCRA 1681i ( a ) and FDCPA 805 ( c ), as well as a cease and desist for all further collection attempts absent full validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i opened the account at citi bank and the debit card never arrive, then go back to my country. 

i cant use my account because it require a SMS code to an XXXX phone number and the banker that opened my account entered my XXXX number. 

so right now i cant do anything with my account as i have no card and no online banking access, but each month they are charging my for service fee. 

so i need that the fee be waived until i am able to fix the issue this month.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion offer a website to freeze/unfreeze credit report and to allow for someone to file a dispute. But the website doesn't work, I've tried to call them and report the problem but the people answer the phone don't know what to do and how to fix it. They keep the website broken so to force people pay for their services and now allow people to manage their credit or don't allow us to file a dispute on our credit.

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 2025-06-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 was disputing my purchase with XXXX XXXX because I never received the product. While the dispute was taking place. They told me that I didnt have to make any payments until they completed their investigation. They close my dispute without notifying me about the findings or the results. They also didnt notify me that I had to make a payment. So now theyre reporting to the credit bureau that I was XXXX months late on a payment, even though they didnt notify me or give me any legal notice of the dispute being resolved or that I had to make a payment.

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 2025-06-05 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny.

I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 
I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information. 
3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny.

I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : 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 XXXX 

Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am disputing XXXX unauthorized XXXX transactions that occurred on XX/XX/year>, transactions for {$510.00} and {$510.00} sent to a person named XXXX XXXX. These charges are labeled Business refund, but I have never heard of this person, have never done business with them, and did not authorize these transactions. 

I reported the fraud to Chase immediately. They denied my claim, stating that XXXX told them the charges were valid. This directly contradicts what XXXX told me. Shortly after these charges, XXXX froze my account and removed my linked card due to suspicious activity and a potential compromise of my email or account. I received two emails from XXXX ( on XX/XX/XXXX and XXXX, 2025 ) advising me to change my password and review transactions. 

Despite this, Chase is refusing to reverse the charges or acknowledge the fraud, even though Ive provided documentation and explained that I do not know the recipient and did not authorize the payments. I believe they are ignoring evidence and relying solely on vague communication from XXXX. Their handling of my fraud dispute has been dismissive, untransparent, and irresponsible. 

I am requesting the CFPBs help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received an email from Capital One this week concerning their recent change to lounge access across airports. They are adding a fee for lounge privileges and taking away guest access as well. This is a premium travel credit card that is focused primarily on this benefit. It is a total bait and switch on consumers to revoke these benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
Please report correct information on consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
Please report correct information on consumer reports.

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 2025-06-05 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: OH

Complaint narrative:
Please report correct information on consumer reports.

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