vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
I am submitting this follow-up complaint to dispute the continued reporting of inaccurate account information, collection accounts, and personal address records across my Experian, Equifax, and TransUnion credit files. These items are either not associated with me, are linked to addresses where I have never resided, or reflect inconsistencies in the way they are being reported among the three credit bureaus. Such reporting fails to meet the standards of accuracy, completeness, and verifiability required under the Fair Credit Reporting Act ( FCRA ). I am therefore requesting that these inaccuracies be corrected or deleted immediately. 

On my reports, XXXX XXXX ( account ending XXXX, balance {$0.00} ) is connected to the address XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, which I have never resided at. This account does not belong to me. Similarly, XXXX XXXX ( account ending XXXX, balance {$1900.00} ) and XXXX XXXX ( account ending XXXX, balance {$370.00} ) were previously corrected by other bureaus but remain on Experian in error. Collections are also being misreported, including XXXX XXXX XXXX ( original creditor XXXX XXXXXXXX XXXX, account ending XXXX, balance {$5000.00} ) and XXXX XXXX ( account ending XXXX, balance {$0.00} ). These items are inaccurate and not connected to me. In addition, inaccurate addresses are still being reported on my files, including XXXX XXXX XXXX, XXXX, NC XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I have never lived at these addresses, and they must be permanently deleted. Under the Fair Credit Reporting Act, FCRA 611 ( a ) ( 1 ) ( A ) requires the credit bureaus to investigate disputed items and remove or correct any that are inaccurate or unverifiable. FCRA 607 ( b ) further requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they 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 2025-09-03 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: OR

Complaint narrative:
I am writing to dispute the accuracy of several items currently being reported on my credit file. The account with XXXXXXXX XXXX XXXX XXXX XXXX  is being reported as a charge-off with a balance of {$11000.00}. This reporting is not accurate, as no IRS Form 1099-C has been issued for this debt, which exceeds {$600.00}. Without that form, the debt has not been officially canceled, making the continued reporting of a charge-off misleading and harmful. 
There is also a collection account being reported by XXXX XXXX, listed with the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$890.00}. This account remains disputed, and its current reporting does not meet the accuracy requirements set forth under the Fair Credit Reporting Act. 
In addition, my file reflects inquiries from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXXXX/XX/XXXX These inquiries were not authorized and appear to lack a permissible purpose. Their presence on my report is inaccurate and in violation of the protections afforded under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: OR

Complaint narrative:
I am writing to dispute the accuracy of several items currently being reported on my credit file. The account with XXXXXXXX XXXX XXXX XXXX XXXX  is being reported as a charge-off with a balance of {$11000.00}. This reporting is not accurate, as no IRS Form 1099-C has been issued for this debt, which exceeds {$600.00}. Without that form, the debt has not been officially canceled, making the continued reporting of a charge-off misleading and harmful. 
There is also a collection account being reported by XXXX XXXX, listed with the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$890.00}. This account remains disputed, and its current reporting does not meet the accuracy requirements set forth under the Fair Credit Reporting Act. 
In addition, my file reflects inquiries from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXXXX/XX/XXXX These inquiries were not authorized and appear to lack a permissible purpose. Their presence on my report is inaccurate and in violation of the protections afforded under the FCRA.

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 2025-09-03 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: AL

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$380.00} XXXX Account charged off. {$240.00} written off. {$280.00} XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} I need all account removed immediately because its been past XXXX business days according to FCRA USC 1681C-2 block and delete from all bureaus. If not I will seek legal civil actions against all bureaus including CFPB. Please remove them Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AL

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$380.00} XXXX Account charged off. {$240.00} written off. {$280.00} XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} I need all account removed immediately because its been past XXXX business days according to FCRA USC 1681C-2 block and delete from all bureaus. If not I will seek legal civil actions against all bureaus including CFPB. Please remove them Thanks 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 2025-09-03 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> 2. XXXXXXXX XXXX Date of inquiry : XX/XX/year>XXXX  3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : 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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have been a Chase cardholder for many years. My credit score was close to XXXX, and I paid balances in full or in large installments. I even held a Chase card at about 8 % APR, a rare privilege I earned by being responsible. I had never carried large balances. 

Everything changed when my mother was diagnosed with XXXX XXXXXXXX at the beginning of XXXX. I left my business and home to care for her in Florida until she passed away at the end of XXXX. When I returned to XXXX XXXX, I was thrown into a bitter divorce and custody battle that left me {$80000.00} in debt and without the support I had relied on for two decades as a housewife. My income was already devastated when the medical issues began. 

While in the middle of divorce and custody litigation, I underwent five surgeries in 14 months, including XXXX XXXX XXXX XXXX XXXX that left me sleepless and unable to heal. Just as I was beginning to recover, I was XXXX XXXX XXXX XXXX XXXX XXXX that left me further XXXX Even now, I am only partially able to work. 

During this entire period, I tried to do the right thing. In early 2024, after my first XXXX, I contacted Chase about my XXXX XXXX ( XXXX ) and Personal Cards ( XXXX and XXXX ). I told them I was struggling but still making minimums and extra payments when I could. I warned them another XXXX XXXX  was coming that would leave me unable to work. I asked for hardship relief : reduced payments, waived fees and interest, or a structured plan. Despite my perfect history, Chase refused, telling me I did not qualify because I had never missed a payment. In other words, they punished me for being proactive and honest. 

As I warned, I defaulted. My credit score collapsed from nearly XXXX to the XXXX. I lost my ~8 % APR card forever. Chase sent my accounts to collections, where I was harassed by agencies like XXXX while still recovering from surgeries, grieving my mother, and raising my child. When I asked Chase to settle, they demanded lump sums with minimal reductions. They even referred me to a third-party hardship agency that charged fees but provided no meaningful relief. 

Now I can not secure housing because my credit has been destroyed. I am living on EBT. My entire financial life was ruined while Chase stood by, refused to help, and chose to exploit a loyal customer of nearly two decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
This complaint concerns demonstrably inaccurate information on my credit report, which violates the standard of maximum possible accuracy. These errors are causing significant and ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXXXXXX XXXX & XXXXXXXX XXXX XXXX XXXXwere opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX  Balance : {$900.00}

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Multiple dealership but in particularly XXXX ran my credit multiple times without my consent. They ran credit and applied for a loan without my consistent for a car I never expressed interest in nor did I know about it. Multiple creditors hit my credit report several times. Some of these creditors said they werent even pulling credit that there was soft pools. No impact to credit score but my credit score has been severely affected. Also one where I just paid off a vehicle not too long ago has failed to report this pay off within a given timeframe therefore, my credit does not reflect what I currently owe or What my balance is on outstanding or past loans. I dont know why the capital one also has ran multiple credit reports on me when I have been a client of theirs for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I placed an order for snow gear as a surprise gift for my son from XXXX on XX/XX/year>, totaling 8 items. The order was shipped in two separate packages, and I was charged in two separate transactions : XXXX for {$1500.00} and the other for {$150.00}. Both packages were marked as delivered on the same day, but I never received either package. I believe the delivery was made on either XX/XX/XXXX or XX/XX/XXXX. I filed disputes with Synchrony Bank for both transactions. They issued a permanent credit for the {$150.00} charge, but denied the dispute for the {$1500.00} transaction, claiming the merchant provided proof of delivery. I do not understand why one package was credited and the other wasnt, especially since neither was delivered to me. The packages were shipped via XXXX with no signature required upon delivery which I find unacceptable given the total value of nearly {$1700.00}. I contacted XXXX, who advised me to open a lost package investigation with XXXX, which resulted in no leads and was ultimately closed. After that, I filed a police report for the missing packages and submitted it to Synchrony as part of the dispute. Despite this, Synchrony closed my dispute based on tracking information alone, even though I never received the packages and there is no proof of delivery to me or anyone at my residence. I am requesting that Synchrony reopen my dispute for the {$1500.00} transaction, review the case thoroughly with all supporting documentation ( police report, XXXX case, etc. ), and issue a full credit for the missing merchandise.

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 2025-09-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Home Mortgage account # XXXX for property address XXXX XXXX XXXX XXXX Texas XXXX according to the divorce decree states that XXXX XXXX XXXX is solely responsible for this account. My consumer rights are being violated according to the XXXX for inaccurate information.

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 2025-09-03 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: OR

Complaint narrative:
I am writing to dispute the accuracy of several items currently being reported on my credit file. The account with XXXXXXXX XXXX XXXX XXXX XXXX  is being reported as a charge-off with a balance of {$11000.00}. This reporting is not accurate, as no IRS Form 1099-C has been issued for this debt, which exceeds {$600.00}. Without that form, the debt has not been officially canceled, making the continued reporting of a charge-off misleading and harmful. 
There is also a collection account being reported by XXXX XXXX, listed with the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$890.00}. This account remains disputed, and its current reporting does not meet the accuracy requirements set forth under the Fair Credit Reporting Act. 
In addition, my file reflects inquiries from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXXXX/XX/XXXX These inquiries were not authorized and appear to lack a permissible purpose. Their presence on my report is inaccurate and in violation of the protections afforded under the FCRA.

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 2025-09-03 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX  Balance : {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX  Balance : {$900.00}

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 2025-09-03 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: NV

Complaint narrative:
This complaint concerns demonstrably inaccurate information on my credit report, which violates the standard of maximum possible accuracy. These errors are causing significant and ongoing harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation