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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year> Account in Question : Creditor Name XXXX XXXX Account Number : XXXX * * * * Reported Late Payments : XX/XX/year> Account in Question : Creditor Name XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-12-04 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: PA

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
REVVI/XXXX is reporting or collecting a debt under account number XXXXXXXX XXXX XXXX XXXX XXXX but has not provided me with any form of debt validation. Without documentation, I can not verify whether the account is accurate or legitimate.

Company public response: Company disputes the facts presented in the complaint
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: AZ

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$10000.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$280.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$20000.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$28000.00}

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 2025-12-04 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

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 status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: SC

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : No charged-off accounts are being disputed on my Equifax report. 

Inquiries : I am disputing the following inquiries on my Equifax credit report : XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Equifax credit report : XXXX  XXXX - Account No. XXXX XXXX - Account XXXX. XXXX XXXX XXXX - Account XXXX. XXXX XXXX - Account XXXX. XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: FL

Complaint narrative:
Multiple accounts are appearing on my credit report that do not belong to me and have clearly been mixed with my credit filethese accounts belong to someone else. I never opened, authorized, or managed any of these accounts, and their presence is inaccurate, misleading, and damaging to my financial reputation. This mixed-file error is unacceptable and has caused me serious concern about the security and accuracy of my credit information.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I want to report cashapp. I closed my account because I was scammed online. Total payments of $ XXXX {$200.00} I called cashapp they couldnt help me or give my money back. Person I sent money to blocked me and committed fraud or scam. I was charged today for the denial of the cashapp claim which caused my account to be overdrawn {$150.00}. Called bank company and they cant help me. I need help I was scammed

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:
I am a consumer seeking to rectify inaccuracies on my credit report. Below are the accounts I am disputing, separated by the reporting bureau. 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late Payments 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 — Public record information inaccurate
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
My complaint is against affirm. I got declined financing from them I got a decline email saying that I got bankruptcy filed and they used XXXX. There's no bankruptcy on my XXXX  report I also talked to an agent at XXXX  he said there is no bankruptcy filed. I did file chapter XXXX XX/XX/year> which drops after 7 years of first filing. There is no more bankruptcy on my three credit reports but affirm is saying I have bankruptcy filed and they used XXXX. So affirm needs to drop the bankruptcy on their end I called them up but they fail to resolve my issue plus I could not understand them because they must be located in some XXXX country. Please help me or direct me to who can

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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. These accounts contain inaccuracies and should be corrected accordingly. Please see the detailed information below, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Inquiries : XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX

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: TX

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 youhave 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.

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: 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: WI

Complaint narrative:
I am filing a complaint regarding XXXX refusal to provide a refund for a reservation I could not stay in due to the property being unclean and unsafe at check-in, and XXXX misrepresentation of the situation to my credit card company. 

I arrived at the XXXX and immediately discovered multiple issues, including unclean conditions and a broken bed that was being propped up by a cardboard box. I reported the issues to the host within XXXX minutes of arrival and provided photos. I also contacted XXXX XXXX right away. XXXX XXXX instructed me not to cancel the reservation because doing so would forfeit any refund due to the strict cancellation policy. I followed this instruction. 

We stayed only about XXXX minutes to document the conditions, take photos, and book an emergency hotel. We then returned the keys and left. I complied with all XXXX Travel Issue requirements : immediate reporting, photo evidence, and leaving the property promptly. 

XXXX later denied the refund, claiming the issues were minor, and recently stated that my photo of the broken bed was not valid documentation, even though XXXX XXXX policy only requires photo or video evidence and does not require specific framing or video proof. This contradicts their own written policy. 

I filed a chargeback with my bank ( Chase ), and the dispute was initially resolved in my favor. However, Chase later reversed the refund after XXXX represented the situation as a guest cancellation, which is factually incorrect. I did not cancel ; I was instructed not to cancel by XXXX and could not stay due to the property being uninhabitable. 

As a result, I incurred {$1300.00} in emergency hotel costs plus the {$910.00} XXXX charge. XXXX misclassification and misleading statements to my bank directly caused financial harm.

Company response to consumer: Closed with 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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting an investigation and deletion of an inaccurate bankruptcy currently appearing on my credit report.

I contacted the U.S. Bankruptcy Court for the District of New Jersey to determine how this bankruptcy was verified or supplied to the credit bureaus. The Bankruptcy Court provided a written official memorandum ( attached ) confirming that : The U.S. Bankruptcy Court does NOT report any information to credit bureaus.

The Court does NOT verify, amend, or remove any information for credit bureaus.

The Court is NOT affiliated in any manner with the credit bureaus reporting processes. 

The credit bureaus obtain this data independently from unknown third-party sources. 

Therefore, the credit bureau is reporting a bankruptcy that was not furnished, verified, or authenticated by the Bankruptcy Court, and the bureau has not identified any actual furnisher of the data. 

Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate and verifiable. Because the credit bureau can not document : The source of the bankruptcy data The name of the furnisher The date they verified the information The method of verification this bankruptcy is unverifiable and must be removed immediately. 

I am requesting that the CFPB compel the credit bureau to delete the bankruptcy from my credit report due to failure to provide a legitimate data furnisher and failure to verify the information as required by the FCRA.

Attached : Official U.S. Bankruptcy Court memorandum confirming the Court does not report or verify bankruptcy information to credit bureaus.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting an investigation and deletion of an inaccurate bankruptcy currently appearing on my credit report.

I contacted the U.S. Bankruptcy Court for the District of New Jersey to determine how this bankruptcy was verified or supplied to the credit bureaus. The Bankruptcy Court provided a written official memorandum ( attached ) confirming that : The U.S. Bankruptcy Court does NOT report any information to credit bureaus.

The Court does NOT verify, amend, or remove any information for credit bureaus.

The Court is NOT affiliated in any manner with the credit bureaus reporting processes. 

The credit bureaus obtain this data independently from unknown third-party sources. 

Therefore, the credit bureau is reporting a bankruptcy that was not furnished, verified, or authenticated by the Bankruptcy Court, and the bureau has not identified any actual furnisher of the data. 

Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate and verifiable. Because the credit bureau can not document : The source of the bankruptcy data The name of the furnisher The date they verified the information The method of verification this bankruptcy is unverifiable and must be removed immediately. 

I am requesting that the CFPB compel the credit bureau to delete the bankruptcy from my credit report due to failure to provide a legitimate data furnisher and failure to verify the information as required by the FCRA.

Attached : Official U.S. Bankruptcy Court memorandum confirming the Court does not report or verify bankruptcy information to credit bureaus.

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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items listed on my credit report. The following accounts and inquiries are inaccurately reported and I request they be corrected or removed. These accounts are listed separately for each credit bureau : Charged Off Accounts XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XX/XX/XXXX, {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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