vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX, XXXX  XXXX Subject : Cease and Desist Request for Collection Removal Dear Sir/Madam, I am writing to formally request that you cease and desist any further attempts to report, collect, or communicate regarding the collection account referenced below. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and any relevant state laws. 
Account Details : Collection Account Number : XXXX Original Creditor : [ XXXX XXXX Bank XXXX ] Amount of Debt : [ XXXX ] I am requesting the immediate removal of this collection from my credit report and cessation of all communication related to this debt. This request is based on the debt being disputed due to identity theft. 
Please take the necessary steps to ensure this collection account is removed from all credit reporting agencies and refrain from contacting me further regarding this matter. Additionally, I request that any and all correspondence or communication regarding this account be sent directly to my address listed above. I expect to receive written confirmation of your compliance with this request within 30 days. If you believe this debt is valid and your reporting is accurate, I request that you provide the appropriate documentation to support your claims. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX, XXXX  XXXX Subject : Cease and Desist Request for Collection Removal Dear Sir/Madam, I am writing to formally request that you cease and desist any further attempts to report, collect, or communicate regarding the collection account referenced below. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and any relevant state laws. 
Account Details : Collection Account Number : XXXX Original Creditor : [ XXXX XXXX Bank XXXX ] Amount of Debt : [ XXXX ] I am requesting the immediate removal of this collection from my credit report and cessation of all communication related to this debt. This request is based on the debt being disputed due to identity theft. 
Please take the necessary steps to ensure this collection account is removed from all credit reporting agencies and refrain from contacting me further regarding this matter. Additionally, I request that any and all correspondence or communication regarding this account be sent directly to my address listed above. I expect to receive written confirmation of your compliance with this request within 30 days. If you believe this debt is valid and your reporting is accurate, I request that you provide the appropriate documentation to support your claims. 
Thank you for your prompt attention to this matter. 
Sincerely, [ 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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-08-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) specifically, XXXX  is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
On XX/XX/year> I presumably filed a XXXX  XXXX XXXX  XXXX in the name of my LLC and did not use my social security number and on the documents but used the FIN number of the XXXX. 

Shortly thereafter I received notification from my credit monitoring with Experian that a Bankruptcy was reported on my personal credit profile with all the credit Bureaus. 

I then disputed this immediately to all the bureaus and told them I filed a business Bankruptcy XXXX  XXXX and wasreported back that it was correct when in fact as you will see on the XXXX petition was my XXXX and signature as sole member and I inserted my business FIN number and not my My personal social security number. 

Therefore it's my opinion that they are incorrectly reporting this information wrong and has caused me great harm by the fact 7-8 of my accounts were closed and charged up by this reporting this incorrectly. My scores Plummeted which caused me severe harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
On XX/XX/year> I presumably filed a XXXX  XXXX XXXX  XXXX in the name of my LLC and did not use my social security number and on the documents but used the FIN number of the XXXX. 

Shortly thereafter I received notification from my credit monitoring with Experian that a Bankruptcy was reported on my personal credit profile with all the credit Bureaus. 

I then disputed this immediately to all the bureaus and told them I filed a business Bankruptcy XXXX  XXXX and wasreported back that it was correct when in fact as you will see on the XXXX petition was my XXXX and signature as sole member and I inserted my business FIN number and not my My personal social security number. 

Therefore it's my opinion that they are incorrectly reporting this information wrong and has caused me great harm by the fact 7-8 of my accounts were closed and charged up by this reporting this incorrectly. My scores Plummeted which caused me severe harm

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and identified several inaccurate and misleading accounts being reported by XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 


XXXX XXXX ( Charge-Off ) Reported as a charge-off without documentation of whether a 1099-C was filed with the IRS. A debt can not be both canceled and still reported as collectible. No proof was provided during the reinvestigation. 

XXXX XXXX XXXX ( Late Payments ) The account history shows consecutive XXXX late payments and a XXXX late entry that are inconsistent with actual activity. This pattern is not possible and represents inaccurate reporting. 

XXXX XXXX XXXX  ( XXXX XXXX ) A XXXX late was reported even though the billing statement for that cycle was not sent at least XXXX  days before the due date. This violates the Truth in Lending Act ( 15 U.S.C. 1666b ), which requires that statements be delivered a minimum of XXXX  days before treating a payment as late. 

I received a response from the credit reporting agencies in XX/XX/year>, but the accounts were marked as verified without proper documentation. It appeared that only an automated e-OSCAR response was used instead of a meaningful investigation and no evidence provided to me showing compliance with federal law. 

At this point, the reporting agencies and furnishers have failed to correct or remove inaccurate information after multiple disputes. These actions are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1666b ). 

I am requesting that the CFPB require the companies involved to : Provide full documentation proving the accuracy and legal compliance of the accounts in question, OR Remove the inaccurate accounts from my credit file.

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 2025-08-20 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: TX

Complaint narrative:
I reviewed my credit report and identified several inaccurate and misleading accounts being reported by XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 


XXXX XXXX ( Charge-Off ) Reported as a charge-off without documentation of whether a 1099-C was filed with the IRS. A debt can not be both canceled and still reported as collectible. No proof was provided during the reinvestigation. 

XXXX XXXX XXXX ( Late Payments ) The account history shows consecutive XXXX late payments and a XXXX late entry that are inconsistent with actual activity. This pattern is not possible and represents inaccurate reporting. 

XXXX XXXX XXXX  ( XXXX XXXX ) A XXXX late was reported even though the billing statement for that cycle was not sent at least XXXX  days before the due date. This violates the Truth in Lending Act ( 15 U.S.C. 1666b ), which requires that statements be delivered a minimum of XXXX  days before treating a payment as late. 

I received a response from the credit reporting agencies in XX/XX/year>, but the accounts were marked as verified without proper documentation. It appeared that only an automated e-OSCAR response was used instead of a meaningful investigation and no evidence provided to me showing compliance with federal law. 

At this point, the reporting agencies and furnishers have failed to correct or remove inaccurate information after multiple disputes. These actions are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1666b ). 

I am requesting that the CFPB require the companies involved to : Provide full documentation proving the accuracy and legal compliance of the accounts in question, OR Remove the inaccurate accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Reporting incorrect balance on with credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
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. A 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 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase bank has put two claims on my account. I only filed one claim on XX/XX/XXXX for {$1200.00}. It was already closed and done with. Today I looked on my account and see a reversal claim for {$500.00}. I am confused given that the claim was already closed. So I go to my local chase bank about the issue, they can not help so they put me in a room and call the claims department on there number. The claims department told me two claims were open for the same pressing issue and so one has already closed while another is processing. I am left confused as two why two claims for the same amount and issue were initiated. They told me it may have been an issue with the chase merchandiser. I asked how chase will resolve the issue since chase made a mistake the lady said she will get back to me in XXXX days about why another claim was put in. To me that is unacceptable, if money was taken out of my account with an email or letter sent as to why, she should be able to tell me right now what is going on. I asked her to just close the second claim and cancel it and provide the refund, and she said she cant and to give XXXX. This has caused so much emotional distress as when the first claim happend I had the hotel manager on the phone with chase about the issue and thought it was resolved. Now to be facing these issues again 3 weeks later is unacceptable. I am not receiving any answers as to whats going on why the reversal was iniated and why there are two claims. When opening the claim on my app it says there are 3 transactions for {$500.00} when there was only two. So now it seems like chase is trying to take out {$1500.00} from my account. I am uploading the phone call with chase representative of her saying that chase made a mistake. I have never had to dispute or file a claim ever with Chase as I have been with them for 6 years with no problems. However this is honestly unacceptable and no local branch or the phone departments can help. I kept getting the runaround and it is causing me a XXXX XXXX XXXX so much emotional distress and anxiety. I shouldnt have to go through this and when asking to speak with someone above her like a manager I was told to just wait XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
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 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