vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I notice net credit on credit account and they reported a missed payment I have never used them and tried to explain to them to cancle it and how tried to figure out how I supposed gotten the loan and is there a way to settle the dept due to them continuing hurting my credit. They said no and refused to help me XXXX harassed me on the job and called about. A late payment. Made me loose my job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX  Re : Request for Form 1099-C and Correction of Account Status Dear JPMCB CARD, This letter serves as a formal request for a Form 1099-C and to address a discrepancy in the reporting of my account. I am writing to you directly, as the original creditor, regarding account number XXXX. 
My records indicate that this account was charged off on XX/XX/XXXX. However, I have not received a Form 1099-C, " Cancellation of Debt, '' for this account. Under IRS regulations, a Form 1099-C must be issued when a debt of {$600.00} or more is canceled or forgiven.

The lack of a Form 1099-C suggests that the debt has not been legally canceled. Therefore, the reporting of this account as a " charge-off '' or " settled '' may be inaccurate, as these terms imply a canceled or forgiven debt.

I am requesting that you : 1. Provide a copy of the Form 1099-C issued for this account.

2. If no Form 1099-C was issued, I request that you correct the reporting of this account to reflect its current status accurately.

Please send the requested documentation or an updated account statement to the address listed above. If you have any questions or require further information from me, you may contact me at
the phone number or email provided.

I expect a response and resolution to this matter within 30 days of the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them.

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2.

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

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 2025-09-23 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: IL

Complaint narrative:
The following inquiries are not authorized. Please remove it from my credit report immediately 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am writing in reference to a reported late payment on my credit report associated with account FIFTH THIRD BANK NA - XXXX XXXX XXXX XXXX XXXX and to inquire about the use of my consumer report in connection with this account.

Under 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies may only furnish a consumer report under specific, permissible purposes, including in connection with a credit transaction involving the consumer or for the review or collection of an existing account.

If your organization has accessed or used my credit report in connection with this account, please provide : The specific permissible purpose under 15 U.S. Code 1681b that justifies the access or use of my credit report ; The date ( s ) on which my credit report was accessed ; Any supporting documentation showing that I granted authorization for this access or that it was legally permissible without authorization under the FCRA. Additionally, if the late payment being reported is inaccurate, unverifiable, or otherwise in dispute, I am requesting a formal investigation into the matter. Please provide documentation that
supports the validity and accuracy of the reported late payment, including payment history records and any applicable agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: IL

Complaint narrative:
US COLLECTIONS WEST IN is falsely reporting on my credit. I have never had any accounts with them. Per my research US COLLECTIONS WEST IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
This is an official notification, in accordance with federal law, regarding a fake account listed on my credit file. This is not a solicitation. This is a legal request for prompt action under the Fair Credit Reporting Act ( FCRA ).

In accordance with FCRA Section 605B, you are required to block and eliminate this account within four ( 4 ) business days of receiving this notification. Noncompliance would constitute an unequivocal breach of federal lawnot a matter of discretionary oversight.

This story is not merely wrong ; it is fake, and your ongoing reporting of it represents a malicious breach of your obligation to provide solely accurate, verified information.

According to FCRA 611 and 1681i, any effort to validate this account must be substantiated by formal, sworn evidence that is signed, dated, and issued by the original creditor. Internal notes or unverifiable information will be regarded as a direct infringement of FCRA rules. Reproducing unverifiable material does not equate to verificationit is a breach of your responsibilities under FCRA 1681i ( a ) ( 1 ) ( A ).

FCRA 611 mandates the execution of a thorough reinvestigation and the verification of information accuracy. If you do not respond within the stipulated date, I will initiate formal complaints with the CFPB, FTC, and my state Attorney General, and I am prepared to pursue litigation in U.S. federal court for intentional noncompliance and statutory damages.

You are hereby notified. Regulate your conduct properly. 
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 XXXXXXXX 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

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 2025-09-23 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 have no knowledge of these inquiries or the parties involved. I respectfully ask for their removal from my credit profile.

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 2025-09-23 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:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting of my credit information. 

Specifically, XXXX XXXX has reported the same account to the credit reporting agencies more than once. This duplicate reporting makes it appear as though I have multiple accounts with the same balance and payment history, which is misleading and harmful to my credit profile. 

This practice violates my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Duplicate reporting of a single account is not accurate.

15 U.S.C. 1681i ( a ) I have the right to dispute inaccurate or incomplete information and request an investigation to correct or remove it.

15 U.S.C. 1681s-2 ( a ) Furnishers of information ( such as XXXX XXXX XXXX have a duty to provide accurate information to the credit reporting agencies. Duplicate entries are not accurate. 

I am requesting that the CFPB investigate this matter to ensure XXXX XXXX corrects the duplicate reporting and that the credit bureaus remove the inaccurate entry immediately. 

This duplicate reporting is negatively impacting my creditworthiness, which may affect my ability to obtain credit, employment opportunities, and fair lending terms. 

I respectfully request that this matter be reviewed and corrected in accordance with my rights under the FCRA. 

PLEASE DELETE/REMOVE THE CLOSED XXXX XXXX ACCOUNT with the {$0.00} balance opened on XX/XX/year>.

Company response to consumer: Closed with explanation