vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX SSN ( last 4 digits ) : XXXX Date Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Investigation and Removal of Unauthorized Hard Inquiries Dear Equifax Dispute Department , I am writing to dispute the following hard inquiries on my Equifax credit report. 
I have carefully reviewed my records and did not authorize any of these credit inquiries. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), please investigate these items and remove any that can not be verified. 

The disputed inquiries are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I request that you : 1. Investigate each of the above inquiries.

2. Delete any that you can not verify with documented proof of my authorization.

3. Provide me with the results of your investigation and an updated credit report.

To help confirm my identity, I have included copies of : A government-issued photo ID ( drivers license or state ID ) A recent utility bill or bank statement showing my current address Thank you for your prompt attention to this matter. 
Please send your written response to the address above. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am formally disputing the following inaccurate and misleading information on my Experian credit report : Accounts Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations & Grounds for Deletion XXXX. XXXX XXXX XXXX o Reported as Charge Off yet also Paid in Full for Less Than the Full Balance. 
These statuses are contradictory. 
o Late payment counts are inconsistent across bureaus ( XX/XX/XXXX vs. others ), proving inaccuracy. 
o Violates FCRA 607 ( b ) ( accuracy requirement ) and 611 ( a ) ( 1 ) ( A ) ( duty to reinvestigate ). Metro 2 Compliance Condition Code is incorrectly applied. 
XXXXXXXX XXXX XXXX XXXX XXXX o Status shows Paid in Full but remarks also say Less Than Full Balance. Both can not be true simultaneously. 
o No payment history provided, violating Metro 2 Payment History Profile standards. 
XXXX. Inquiries o XXXX entries ( XX/XX/XXXX and XX/XX/XXXX ) appear duplicative. FCRA XXXX requires certification of permissible purpose, which you have not provided.

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 2025-09-16 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: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a late payment on my Experian credit report dated XX/XX/XXXX. The account in question is : XXXX Credit Card Reported 30-day late in XX/XX/XXXX I dispute the accuracy and validity of this reported late payment for the following reasons : 1. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit bureaus are required to maintain maximum accuracy of consumer reports. I have consistently paid this account, and the alleged late payment is inaccurate, misleading, and does not reflect my payment history.

2. FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate I have formally disputed this late payment with the credit bureau. Under the FCRA, they must conduct a reasonable reinvestigation. If the furnisher can not provide full documentation proving that I was actually late ( including billing statements and payment records ), this late entry must be deleted. 

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers Duty to Report Accurately The creditor/furnisher may not furnish information that is inaccurate or that can not be verified. If the creditor can not provide verifiable proof of delinquency, then this late payment should not remain on my record.

4. Unfair Damage to Credit Standing This one inaccurate late mark is significantly lowering my FICO Score and affecting my ability to obtain fair credit terms, despite the fact that I have an otherwise strong repayment history across multiple accounts. 

Requested Resolution I respectfully request that the CFPB investigate this matter and require Experian and XXXX to either : Provide certified documentation proving the accuracy of the reported late payment, or Immediately remove this late payment from my credit report as required by the FCRA. 

This erroneous reporting is causing unjust harm to my financial standing and access to credit. 

Please confirm receipt of this complaint and provide updates regarding the progress of your investigation.

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 2025-09-16 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: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a late payment on my Experian credit report dated XX/XX/XXXX. The account in question is : XXXX Credit Card Reported 30-day late in XX/XX/XXXX I dispute the accuracy and validity of this reported late payment for the following reasons : 1. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit bureaus are required to maintain maximum accuracy of consumer reports. I have consistently paid this account, and the alleged late payment is inaccurate, misleading, and does not reflect my payment history.

2. FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate I have formally disputed this late payment with the credit bureau. Under the FCRA, they must conduct a reasonable reinvestigation. If the furnisher can not provide full documentation proving that I was actually late ( including billing statements and payment records ), this late entry must be deleted. 

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers Duty to Report Accurately The creditor/furnisher may not furnish information that is inaccurate or that can not be verified. If the creditor can not provide verifiable proof of delinquency, then this late payment should not remain on my record.

4. Unfair Damage to Credit Standing This one inaccurate late mark is significantly lowering my FICO Score and affecting my ability to obtain fair credit terms, despite the fact that I have an otherwise strong repayment history across multiple accounts. 

Requested Resolution I respectfully request that the CFPB investigate this matter and require Experian and XXXX to either : Provide certified documentation proving the accuracy of the reported late payment, or Immediately remove this late payment from my credit report as required by the FCRA. 

This erroneous reporting is causing unjust harm to my financial standing and access to credit. 

Please confirm receipt of this complaint and provide updates regarding the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  FCU - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX BANK XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  FCU - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
The presence of the inaccuracy due to XXXX  and XXXXXXXX XXXX XXXXXXXX XXXX, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the accounts below were not agreed upon. I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. 

There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent item be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-16 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: PA

Complaint narrative:
Recently I did an invesigation on my credit report and found serveral items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 delelted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I deposited a check that was given to me by my aunt & uncle. I did not know that I couldnt deposit a 3rd party check on my mobile deposit, I would have never did it. They check cleared in my account and had been on hold for over two months. I cant access any money in my account and its been over 60 days. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Consumer Complaint Chase Bank USA, N.A. 

Claim Number : XXXX Card Ending : XXXX Disputed Transactions : XX/XX/year> XXXX XXXX XXXX XXXX bill WA {$1300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$230.00} Total Disputed Amount : {$1600.00} Summary of Complaint On XX/XX/year>, I submitted a formal written billing error notice to Chase Banks Dispute Resolution Department under the Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ) and Truth in Lending Act ( 15 U.S.C. 1601 et seq. ).

I disputed two AXXXX XXXX transactions for merchandise ( brakes, rotors, and other items ) that were never delivered. XXXX itself has acknowledged that it would not provide further assistance and directed me to resolve the matter through Chase.

These transactions constitute a billing error under 15 U.S.C. 1666 ( b ) ( 3 ) ( goods or services not accepted or not delivered as agreed ).

Chases Mishandling Chase denied my claim ( Claim # XXXX ) without issuing provisional credit and without providing any documentation or evidence supporting its denial. The closure letter contained no substantive explanation, merely stating the matter was resolved. 

This directly violates Chases statutory obligations : Failure to conduct and document a reasonable investigation 12 C.F.R. 1026.13 ( f ) Failure to provide written explanation with supporting evidence 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) Failure to issue provisional credit while investigating 12 C.F.R. 1026.13 ( d ) Failure to provide timely written notice of resolution within 30 days 15 U.S.C. 1666 ( a ) ( 3 ) Why This Violates Federal Law Chase failed to provide any proof that the merchandise was delivered. 

Chase denied the dispute without conducting a meaningful investigation.

Chase refused to issue provisional credit as required by Regulation Z.

Chase left me with neither my merchandise nor my money, forcing me into a stalemate between XXXX and XXXX. 


Conclusion Chase Bank has failed to meet its obligations under the Fair Credit Billing Act and Truth in Lending Act, leaving me without resolution. XXXX has not refunded me, and Chase has not fulfilled its statutory duty to investigate and protect consumers against billing errors.

I request CFPB intervention to compel Chase to comply with the law, provide documentation, and credit my account for the undelivered merchandise. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation