vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXXXXXX XXXX/2025 XXXX XXXX/2025 XXXX XXXX XXXX XXXX/2025 XXXX XXXX XXXX/2025XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXXXXXX XXXX/2025 XXXX XXXX/2025 XXXX XXXX XXXX XXXX/2025 XXXX XXXX XXXX/2025XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against JPMorgan Chase ( Chase ) regarding their unfair and deceptive practices related to my credit card account. Chase has repeatedly and intentionally reduced my credit limit after I make payments, effectively manipulating my credit utilization and harming my credit score. Due to these actions, I have ceased payments on this account to protect my current credit limit.

Here is a summary of the issue : 1. Unjustified Credit Limit Reductions : Every time I make a payment on my account, Chase responds by decreasing my available credit limit. This pattern suggests deliberate manipulation rather than a legitimate risk-based decision.

2. Account Suspension After Only 40 Days : Despite my history of timely payments ( prior to this dispute ), Chase suspended my account after just 40 days of non-paymentan unusually aggressive action that appears retaliatory. 
3. Refusal to Restore Original Terms : I am willing to pay the balance in full, but only if Chase restores my original credit limit and agrees to cease these unjust reductions.

Chases actions violate the principles of fair lending under the Truth in Lending Act ( TILA ) and the Consumer Financial Protection Act, which prohibit unfair, deceptive, or abusive practices. By artificially inflating my credit utilization ratio, they are damaging my creditworthiness without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a charged-off account reported by XXXX XXXX XXXX with Experian, XXXX  and XXXX. The account shows a balance of {$2600.00}. I sent written disputes to all three bureaus via certified mail on [ insert date you mailed them ], requesting verification of the debt. I also requested the following from the furnisher ( XXXX ) in my letters : A signed contract proving the debt is valid A detailed payment history explaining the charged-off amount Confirmation of whether a 1099-C was filed for this debt Despite my certified disputes, the credit bureaus returned the account as verified with no explanation. XXXX never provided the requested documentation to validate the debt. This violates the FCRA and FDCPA, as XXXX continued reporting without proper validation. 

Additionally, if a 1099-C was issued, the debt is considered canceled under IRS rules , and continuing to report it as charged off is misleading and harmful.

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 2025-05-28 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: TX

Complaint narrative:
I disputed a charged-off account reported by XXXX XXXX XXXX with XXXX XXXX, and TransUnion. The account shows a balance of {$2600.00}. I sent written disputes to all three bureaus via certified mail on [ insert date you mailed them ], requesting verification of the debt. I also requested the following from the furnisher ( XXXX ) in my letters : A signed contract proving the debt is valid A detailed payment history explaining the charged-off amount Confirmation of whether a 1099-C was filed for this debt Despite my certified disputes, the credit bureaus returned the account as verified with no explanation. XXXX never provided the requested documentation to validate the debt. This violates the FCRA and FDCPA, as XXXX continued reporting without proper validation. 

Additionally, if a 1099-C was issued, the debt is considered canceled under IRS rules , and continuing to report it as charged off is misleading and harmful.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed. I was renting a room and I had a scammer message me and tell me they were mailing a check for the funds and they were flying out n and attending the nearby XXXX XXXX XXXX. They were having their car towed and was sending money for the tow. They mailed the check and the car was arriving in 2 days when I received the check. I deposited the check and it showed up as an available balance immediately. I asked the lady at Wells Fargo bank when I took money out she told me that the funds were available and the check had cleared. I took the money out and gave it to the person who showed up at my house who was supposed to be the towing company with the car and they gave me a key. The person never responded and overnight they came back and picked up their car and I never heard from them. I have been in talks with Wells Fargo but of no avail. Its hard for me to do things with the medication that I take on XXXX and I hope for a solution soon.

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 2025-05-28 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:
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 2025-05-28 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: CA

Complaint narrative:
This complaint constitutes my final formal notice regarding the inaccurate late payment currently reported on my credit file and your agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple previous disputes, you have continued reporting this negative information without providing any supporting documentation to substantiate its accuracy. A generic verified response does not fulfill your legal obligation to conduct a reasonable reinvestigation under FCRA 1681i.

Additionally, your agency is in violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. Your ongoing failure to remove unverified data and refusal to provide original documentation amounts to willful noncompliance. 

You are hereby given 30 days from the date of this letter to provide the following : Complete and original documentation from the creditor validating the alleged late payment ; A detailed account of your reinvestigation process, including verification sources ; Immediate deletion of the disputed item if it can not be fully verified with substantive and original evidence. 

As further support, I refer you to recent enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ), including the XX/XX/year> lawsuit against TransUnion for mishandling consumer disputes and reporting inaccurate information. Your conduct mirrors the deficiencies cited in that case and reinforces my grounds for legal action. 
XXXX XXXXXXXX XXXX Discharged reference 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 2025-05-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-28 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: NJ

Complaint narrative:
I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-28 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: IL

Complaint narrative:
Here is the completed CFPB complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To : XXXX, Equifax, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a renewed formal dispute regarding the reporting of the following charge-off account. Although your records indicate the previous dispute was resolved, I am asserting that the item remains non-compliant with Metro 2 formatting standards and multiple sections of the Fair Credit Reporting Act ( FCRA ). I am demanding a full reinvestigation and permanent deletion due to unresolved reporting violations and insufficient verification. 

Disputed Account Information : Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : Ending in XXXX Type : Charge Account / Revolving Account Status XXXX XXXX Balance : {$530.00} Credit Limit : {$400.00} Available Credit : - {$130.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Failures Identified : - Balance exceeds the credit limit with no supporting compliance field ( over-limit reporting violation ) - No Date of Last Activity reported - 'Account Previously in Dispute Now Resolved by Data Furnisher ' is not a valid closure without consumer agreement or verification - Missing Consumer Information Indicator 'XXXX ' or XXXX ' during dispute process - No Compliance Condition Code provided to justify derogatory status after resolution - Status and credit limit fields are inconsistent with a properly reported charge-off Applicable Legal Violations : - FCRA 611 : You are required to re-investigate disputed information when furnished with evidence of continued inaccuracy - FCRA 609 ( a ) : I request original documentation that proves the debt and charge-off status - FCRA 1681s-2 : You may not continue reporting inaccurate or incomplete information - FCRA 623 ( a ) ( 5 ) : Date of First Delinquency must be accurately maintained and supplied This account is currently being furnished in violation of federal law and Metro 2 compliance protocol. I am requesting its immediate removal from all reporting systems within 30 days. Please confirm the deletion in writing upon completion of your investigation. Failure to comply will result in escalation to the Consumer Financial Protection Bureau and all appropriate legal authorities. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last XXXX ) : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
Here is the completed CFPB complaint : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To XXXX XXXX XXXX, TransUnion Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a renewed formal dispute regarding the reporting of the following charge-off account. Although your records indicate the previous dispute was resolved, I am asserting that the item remains non-compliant with Metro 2 formatting standards and multiple sections of the Fair Credit Reporting Act ( FCRA ). I am demanding a full reinvestigation and permanent deletion due to unresolved reporting violations and insufficient verification. 

Disputed Account Information : Creditor : XXXX / XXXX Department XXXX Account Number : Ending in XXXX Type : Charge Account / Revolving Account Status : XXXX  Balance : {$530.00} Credit Limit : {$400.00} Available Credit : - {$130.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Failures Identified : - Balance exceeds the credit limit with no supporting compliance field ( over-limit reporting violation ) - No Date of Last Activity reported - 'Account Previously in Dispute Now Resolved by Data Furnisher ' is not a valid closure without consumer agreement or verification - Missing Consumer Information Indicator 'XXXX  ' or XXXX ' during dispute process - No Compliance Condition Code provided to justify derogatory status after resolution - Status and credit limit fields are inconsistent with a properly reported charge-off Applicable Legal Violations : - FCRA 611 : You are required to re-investigate disputed information when furnished with evidence of continued inaccuracy - FCRA 609 ( a ) : I request original documentation that proves the debt and charge-off status - FCRA 1681s-2 : You may not continue reporting inaccurate or incomplete information - FCRA 623 ( a ) ( 5 ) : Date of First Delinquency must be accurately maintained and supplied This account is currently being furnished in violation of federal law and Metro 2 compliance protocol. I am requesting its immediate removal from all reporting systems within 30 days. Please confirm the deletion in writing upon completion of your investigation. Failure to comply will result in escalation to the Consumer Financial Protection Bureau and all appropriate legal authorities. 

Sincerely, XXXXXXXX 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 2025-05-28 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: MN

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am a victim of a data breach with XXXX and have unknown accounts on the bureaus XXXX XXXX XXXX and XXXX  that I am not familiar with, including, but not limited to XXXX XXXX, XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOC. I have submitted a FTC report and have filed complaints with the bureaus. I am asking that these are remove expeditiously as it has taken a toll on my report that I have these accounts that I dont even know what they are on there please complete a investigation and have these removed. Thank you.

Company response to consumer: Closed with explanation