vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-13 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: IL

Complaint narrative:
My personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and inquiries are appearing on my credit report that I did not authorize. I am requesting the CFPB to require the bureaus investigate fully and permanently delete all fraudulent information related to the breach. 


PLEASE SEE ALL SUPPORTING DOCUMENTS

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 2025-08-13 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:
My personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and inquiries are appearing on my credit report that I did not authorize. I am requesting the CFPB to require the bureaus investigate fully and permanently delete all fraudulent information related to the breach. 


PLEASE SEE ALL SUPPORTING DOCUMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
Im disputing inaccurate and duplicative reporting of a former XXXX credit card. My XXXX  file shows the account reports as late XX/XX/XXXX ( XXXX XXXX XXXX ) then closed and then shows reports of XX/XX/XXXX ( XXXX - XX/XX/XXXX followed by a charge-off, which is contradictory. My statements also show I made payments of {$190.00} in XX/XX/XXXX ( minimum due {$59.00} ) and {$200.00} in XX/XX/XXXX ( minimum due {$53.00} ), yet the tradeline still shows escalating delinquencies after closure. 

Additionally, the same {$2000.00} balance is being reported by both GreenState and a third-party collection agency, resulting in duplicate reporting for a single debt. During the period of the alleged lates the account was still tied to my old address ; I had moved and did not receive statements. I can provide proof of my address at that time and payment receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XXXX, I vacated the property at XXXX XXXX XXXX in XXXX, Texas. I received government rent assistance, which was paid directly to the apartment complex to settle my account. The complex applied these funds, closed the account, and confirmed that I had a XXXX balance and no further obligation. 

Approximately XXXX year later, a collection account for this property appeared on my credit report. I immediately contacted the leasing office, and they confirmed again that I owed nothing and that no collection account should exist. Despite this, the debt collector continues to report this false debt to the credit bureaus. 

This reporting is causing ongoing harm to my credit standing, financial opportunities, and personal reputation. The debt is inaccurate, unverified, and fraudulent. The continued furnishing of false information violates both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( failure to validate a disputed debt ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( duty to provide accurate information to credit reporting agencies ). 

I have the right to dispute this debt, receive written verification, and have inaccurate information promptly corrected or deleted. The collector has failed to meet these legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION

Complaint narrative:
First Advantage XXXX XXXX XXXX ( XXXX, GA ) refuses to update their records regarding my criminal convictions. I received court orders from XXXX cases to seal and restrict my conviction information and submitted this to the company. XXXX of the judges asked for an updated record ( XXXX  XXXX ) and First Advantage used an old record pull from XXXX instead of pulling a new record. The old record showed XXXX criminal convictions when, at that time, it should have only showed XXXX. 

I sent more than XXXX email ( XXXX ) and sent copies of the court orders to First Advantage, formally disputing their records and requested that they remove all of that information from their database, as per the court orders, and issue a NEW search and report. They will not respond. I consulted with the attorney who was responsible for obtaining those XXXX court orders and she instructed me to contact your office first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX  consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs January 2025 lawsuit against TRANSUNION XXXX*I am a victim of malpractice and broken laws based on the XXXX lawsuit against TRANSUNION .**And Im also filling this complaint due to XXXX  repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX  has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies XXXX  continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling.\n\nAccounts Reported in Violation of Federal LawXXXXDEBT CO COLL XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)\nAccounts reinserted without MOV or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  TRANSUNION  Lawsuit Reference This is not isolated. The CFPB filed suit against TRANSUNION in January 2025 (Case 8:25-cv-00024) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same\nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle through XXXX for {$4200.00}. I paid {$2000.00} from my Chase account via XXXX, my girlfriend paid {$2000.00} from her XXXX XXXX account via XXXX, and I paid {$200.00} in cash. 

The seller represented the vehicle as legal, registrable, and in good working condition. After taking possession, I discovered : 1. The XXXX payment recipients name did not match the sellers name provided to me before payment.

2. The vehicles title is marked EXPORT ONLY, making it illegal to register in the United States. This was never disclosed prior to the sale.

3. The seller gave me a fake DMV registration document the license plate number can not be found in DMV records and does not match the plate listed on the title ( pink slip ).

4. The seller is unlicensed, failed to provide a bill of sale, and did not perform the required smog check before the sale, violating California vehicle transaction requirements. 
5. Within three weeks, the vehicle developed severe engine knocking/ticking that worsened over time and began affecting the transmission. The brake system also seized once. These defects make the vehicle unsafe to drive and were concealed at the time of sale.

I immediately contacted Chase to dispute the XXXX payment. Chase refused to investigate under Regulation E, claiming the transaction was authorized and that I am in possession of the vehicle.

This reasoning is incorrect : I authorized payment to a legitimate seller for a legal, safe, registrable vehicle not to the actual recipient for an illegal, unsafe, unregistrable, and fraudulently documented vehicle.

Possession of a fraudulent or illegal product does not make the transaction legitimate.

The CFPBs XX/XX/XXXX guidance clarifies that fraudulent inducement can still make a transfer unauthorized under 12 CFR 1005.2 ( m ), even for person-to-person services like XXXX. 

XXXX XXXX has already opened a claim for my girlfriends identical XXXX payment to the same recipient, recognizing it as fraud. Chase has refused to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NV

Complaint narrative:
I am filing this complaint against TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX and XXXX ( a ) ( XXXX ) ( A ), due to the continued reporting of false late payment entries on my credit file for the account XXXX XXXX XXXX XXXX XXXX with late dates reported as XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. These late payment notations are entirely inaccurate, as my recordsand even TransUnions own credit reportshow numerous Paid on Time months that directly contradict the alleged delinquencies. This false data is the result of the furnishers internal posting and transmission errors, not from any actual failure on my part to make timely payments. Despite clear evidence, TransUnion has continued to report this false information, violating FCRA 1681i by failing to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable data, and FCRA XXXX ( a ) ( XXXX ) ( A ) by allowing a furnisher to report information they know, or should know, is false. I have formally demanded that TransUnion permanently delete all inaccurate late payment entries, provide the name, contact information, and credentials of the person who verified these lates, disclose the exact verification method used including logs or reviewed documents, and supply full copies of any records supporting the claim that my payments were late. The attached credit report screenshots prove the account is marked Closed / Paid in Full with a {$0.00} balance, payment history showing multiple on-time payments, and an overall status of Good Standing with Agreed Terms, which directly undermines the accuracy of the reported lates. This inaccurate reporting has caused significant damage to my creditworthiness, hindered my ability to secure favorable credit terms, and inflicted emotional distress. I am requesting that the CFPB require TransUnion to immediately and permanently remove all false late payment entries for this account and hold them accountable for willful and negligent violations of the FCRA, including statutory damages under 1681n and 1681o. If this matter is not corrected promptly, I will have no choice but to pursue all legal remedies available to me.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The account in question is being reported with two different balances {$4800.00} on my credit report and {$4800.00} in your CFPB response XXXX. This is a direct violation of FCRA 1681e ( b ), which requires furnishers to ensure information is reported with maximum possible accuracy.

Furthermore, I have never received any documentation from
ProCollect

regarding this alleged account. In accordance with FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], you are required to cease collection activity until verification is provided. In my due diligence, I directly contacted the original creditor, XXXX XXXX XXXX, and was informed that they could not verify this account at all. This means ProCollect is attempting to collect on a debt without valid documentation, which is a violation of the FDCPA and constitutes willful noncompliance under the FCRA.

To date, you have failed to provide : The original signed lease or contract.

A forward flow or purchase agreement showing a legal right to collect.

An itemized breakdown of the alleged balance.

Without these, the alleged debt is unsubstantiated and must be immediately deleted from all consumer reporting agencies.

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 2025-08-13 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-08-12 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am disputing several inquiries that appear on my credit report which I did not authorize and for which I have no record of application or consent.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only allow inquiries that are permissible under the law, and a creditor must have my written permission or a permissible purpose to access my credit file.

The following companies have inquiries on my report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted each company and requested proof of my written authorization or a permissible purpose for accessing my credit file. To date, no such proof has been 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 2025-08-13 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: TX

Complaint narrative:
Im asking for your assistance in taking off unauthorized accounts from my credit report. I didnt open them and was never advised they existed. Under USC 1681g, please remove them in 15 days. Relevant documents are attached

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 2025-08-13 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: Nelnet, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, I obtained copies of my credit reports from XXXX XXXX, and XXXX and found an account reported under the name DEPT OF EDUCATION / NELNET with the account number XXXX. 
This account is not mine. I have never had any loan, credit account, or financial relationship with the U.S. Department of Education or Nelnet. This reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I completed and submitted an FTC Identity Theft Report disputing this account and provided documentation to support that I am not responsible for it. Despite this, the inaccurate information continues to appear on all three of my credit reports.

The presence of this false account has caused me significant harm : I have been denied credit, forced to accept unfairly high interest rates on essential financing, and prevented from achieving stable housing for myself and my children. This situation is emotionally and financially distressing, leaving me feeling stressed, anxious, and hopeless about my ability to rebuild my credit. 
I am requesting that the CFPB ensure that all three credit bureaus - XXXX XXXX, and  XXXX- as well as the furnisher ( DEPT OF EDUCATION / NELNET ), conduct a thorough investigation, verify the accuracy of the information, and remove this account immediately if it can not be fully substantiated.

Supporting documentation attached : - FTC Identity Theft Report confirming the dispute.- Proof of identity and residence.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
I dispute the following unauthorized credit inquiries that appear on my credit reports. I did not authorize these inquiries and request their removal under the Fair Credit Reporting Act ( FCRA ) 1681b. 

- XXXX XXXX XX/XX/year> ( Experian ) - XXXX XXXX XX/XX/year> ( TransUnion ) - XXXX XXXX  XX/XX/year> ( TransUnion ) - XXXX XXXX XX/XX/year> ( Experian ) - XXXX XXXX  / XXXX XXXX XX/XX/year> ( Experian ) - XXXX XXXX  XX/XX/year> ( TransUnion ) - Syncb XX/XX/year> ( TransUnion ) I have attached my ID, proof of address, and my credit report pages showing these inquiries. Please investigate and remove any inquiries that can not be proven as authorized. I request written confirmation of the investigation results.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: NM

Complaint narrative:
They first called me at the beginning of XXXX and have called me constantly anytime from XXXX to after XXXX. They have called me at least 13 times in less then three months. I have requested information, have called back to only robots and answering machines and I have sent letters and nothing. There is nothing on any of my credit reports and I am on the do not call list as well. There's no proof of debt they dont ask for me by name they dont give any info and they ask me to call a number thats completely different then what they are calling me from. I reversed searched them and they are fir timeshares and property which ive never owned or had anything to do with.

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