vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: NC

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: VA

Complaint narrative:
This company refuses to cancel automatic payments EVEN after I withdrew payment authorization. This company is very shady and needs to looked into. Ive filed complaints with several XXXX XXXX agencies. 

After 5 attempts the rep clearly stated via email she will process my request to stop automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am submitting this complaint to dispute inaccurate information reported on my credit reports with the major credit bureaus. Below are the details of the accounts in dispute, separated by each bureau. I respectfully request that an investigation be conducted, and any inaccuracies be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Inquiries XXXX XXXX  Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this statement as a consumer to dispute inaccurate and unauthorized information being reported on my credit file by XXXX, XXXX, and TransUnion. The following items are being reported in error and are causing harm to my credit profile. I am requesting a full investigation and deletion of these items from each respective bureau if the information can not be verified with complete accuracy and proper documentation. 

Charged-Off Account Creditor/Collection Agency : XXXX XXXX  Account Number XXXX XXXXXXXX Date Reported XXXX XXXXXX/XX/XXXX Year of Alleged Account XXXX XXXXXXXX Statement : This account is being reported in error. I have never received validation or proof that this debt is mine. I request TransUnion to verify the accuracy of this account, including all supporting documentation from the original creditor. If it can not be verified with proper evidence, I request its deletion from my credit file. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Statement : These inquiries were not made or authorized by me. I did not grant permission for these companies to access my credit report. I am requesting that TransUnion investigate and remove these unauthorized inquiries as soon as possible.

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 2025-11-11 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-11 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 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: TX

Complaint narrative:
I am disputing the accuracy and completeness of a utility account that appears on my credit report [ ACCOUNT XXXX XXXX XXXXXXXX ]. The furnisher reported only a charge-off status without including any prior months of payment history. Reporting only the negative portion of an account while omitting its full activity is incomplete and misleading. Under FCRA 602 ( 15 U.S.C. 1681 ), consumer reports must be fair, accurate, and complete. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureau must follow reasonable procedures to assure maximum possible accuracy. Under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), furnishers are required to correct or stop furnishing information that is not complete or accurate. 
Because the furnisher has not provided the full payment history, this reporting fails to meet these standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 am disputing an account that appears on my Equifax credit report as charged off. I believe this information is either inaccurate, incomplete, or can not be verified. 

XXXX Account in Dispute XXXX XXXXXXXX XXXX, Account XXXX XXXX  Date Opened/Reported : XX/XX/year>, Balance : {$0.00} I am requesting that Equifax conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and provide verification from the original creditor. If this account can not be verified as accurate and complete, I request that it be removed from my credit file. 

Thank you for your prompt attention and written confirmation once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX never communicated with me concerning loss mitigation options after becoming XXXX months behind on payments. They quickly transferred the mortgage to a debt collector known as XXXX XXXX XXXX. 

They also requested that I ask XXXX to change the name on the homeowner 's insurance policy from my mother 's name to XXXX XXXX XXXX XXXX XXXX  after her alledged death. XXXX did this for me as requested by Chase. They continued to take premiums from the escrow account for XXXX years. We never had any claim against the policy until XXXX XXXX, and they denied it. Shortly afterward, they canceled the policy stating that they did not underwrite for estates, and I do not believe that they ever refunded the premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Can you look through this entry? Its tardy and might be in error.

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 2025-11-11 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX XXXX  XXXX ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing to dispute multiple charged-off accounts and possible duplicate entries being reported by Experian. I believe some of the information may be inaccurate, incomplete, or unverified. Please perform a reinvestigation as required by the FCRA ( 15 U.S.C. 1681i ). 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balances : {$3100.00} and {$3000.00} ( appears duplicated ) XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balances : {$2400.00} and {$2200.00} ( appears duplicated ) XXXX XXXX XXXX I Account # XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Account # XXXX Date : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$470.00} XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$190.00} XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$190.00} XXXX XXXX  Account # XXXX Date : XX/XX/XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX  Account # XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$4100.00} There appear to be duplicate listings and unverified charge-offs that are negatively impacting my report. Please confirm that all information reported is accurate, current, and verified with the original creditors. If it can not be verified, I am requesting deletion or correction. 

Thank you for your help in ensuring the accuracy of my Experian report.

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 2025-11-11 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:
Dear Sir/Madam, I am filing a dispute concerning inaccurate and incomplete information on my credit report. Below are the accounts I am disputing, separated by credit bureau. I respectfully request that you review these disputes in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 2025-11-11 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: PA

Complaint narrative:
This letter serves as a formal fraud and identity theft dispute pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 1681i, and 1681s-2. The following accounts appearing on my Experian credit report were fraudulently opened and reported without my knowledge, consent, or authorization. I am a victim of identity theft, and I am demanding the immediate and permanent deletion of all fraudulent accounts, inquiries, and related information associated with this activity.

Experian and the respective furnishers are hereby notified of your legal obligation to investigate this matter promptly and remove any data resulting from identity theft as required by federal law. Failure to comply will constitute a violation of my rights under the FCRA and may result in legal action.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NJ

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, Equifax & XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 am disputing an account currently appearing on my Equifax credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that Equifax conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ).

Charged-Off Account in Dispute : XXXX XXXX, Account No. XXXX, Date : XX/XX/year>, Reported Balance : {$0.00} I have not received any documentation confirming the accuracy or validity of this account or the charge-off status. I am requesting verification from the original creditor. If this information can not be fully verified as accurate and complete, please remove it from my credit file. 

Thank you for your attention to this matter and for providing written confirmation of your investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and misleading information being reported on my consumer credit reports by the following creditors : XXXX Account XXXX. XXXXXXXX XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/year> Reported Status : Late Payment XXXX  XXXX Account No. XXXXXXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/year> Reported Status : Late Payment These accounts are being reported with alleged late payments, which is completely inaccurate. I have never made a late payment on these accounts, and I have always maintained my accounts in good standing. Therefore, the information currently being furnished by these creditors is false, misleading, and damaging to my credit reputation. 

I have previously disputed these inaccuracies with the credit reporting agencies and the furnishers directly, yet the incorrect information remains. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information and correct or delete any data found to be inaccurate or unverifiable. 

I am requesting the CFPB to investigate these accounts and ensure that the furnishers immediately correct the account histories to accurately reflect my perfect payment record. The continued reporting of false late payments is causing me financial and reputational harm. 

Please confirm receipt of this complaint and provide updates regarding the actions taken to resolve these violations. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief