vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
This account from XXXX XXXX XXXX XXXX is inaccurately reporting. There is a 30 day late remark reporting in the payment history on XX/XX/year>. I don't recall being late on XXXX XXXX XXXX I don't recall ever being late on this account. In fact, I believe I was on auto pay for the entirety of this credit card being open. Please investigate this account, and place in dispute. Please send validation documents and the account statements to prove I missed those payments. If you are unable to validate this late remark, or provide any validating documents, please remove this account from my credit report immediately.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-20 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting 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 non-monetary relief
Consumer complaint received 2025-06-20 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: DE

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-20 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: GA

Complaint narrative:
I am submitting this complaint because TransUnion continues to report multiple inaccurate and unverifiable collection and charge-off accounts on my credit report, despite prior attempts to have these entries investigated and corrected. These entries are not only misleading and harmful but also represent a failure by the furnisher and TransUnion to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ), which mandate reasonable procedures to assure maximum possible accuracy of information. 

The following accounts are being wrongfully reported : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$20000.00}. This is reported as a charge-off, but no substantiating documentation has ever been provided. This account appears to have been inaccurately associated with my credit file, and given the nature and amount, I am extremely concerned about possible file mixing or data integrity failure. I have never had any verified contract or payment history linked to this specific XXXX account. 

XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$1200.00}. This charge-off appears with incomplete and inconsistent data, and repeated requests for investigation have not produced validation, contract copies, or accounting records. It remains unverifiable and should be removed for failure to meet the burden of proof under the FCRA. 

XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$660.00}. This account is marked as charged off, but again, no signed agreements or itemized breakdowns have been supplied to validate its accuracy. It has never been proven to be mine, and its continued presence damages my creditworthiness without just cause. 

XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$10000.00}. This is being reported as a medical collection, but I have no knowledge or record of this debt. There is no transparency, no medical provider identified, no explanation of services, and no proof that this was billed or owed in accordance with HIPAA regulations or the FCRA. It is highly suspicious that such a large amount would appear without even identifying the creditor or collector.

I have made multiple good faith attempts to dispute these entries, and TransUnion has failed to conduct a reasonable reinvestigation or provide documentation to support their continued reporting. That is a direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-06-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

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 2025-06-20 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: GA

Complaint narrative:
I am filing this complaint because Experian is currently reporting multiple collection and charge-off accounts that are inaccurate, unverifiable, and damaging to my credit profile. I have submitted disputes regarding these items, and Experian has failed to provide a reasonable investigation or sufficient documentation to validate these entries, in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i and 1681e ( b ), which require consumer reporting agencies to ensure maximum possible accuracy and to investigate consumer disputes in good faith.

The following accounts are being wrongly reported on my Experian credit report : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$20000.00}. This account is reported as a charge-off, yet Experian has never provided any proof that this debt is valid or that it is even associated with me. I have never received or signed any contract with XXXX, and no evidence of responsibility has been presented. The reporting of this account without verification is both damaging and unlawful. 

XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$1200.00}. This charge-off remains on my file despite multiple disputes. Experian has not provided validation, such as an original signed agreement or itemized billing statements to prove the accuracy of this account. Continuing to report an unverifiable debt like this is a direct violation of the FCRAs requirement to ensure accuracy and fairness in consumer reporting. 

XXXX XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - Balance : {$660.00}. I have no knowledge of this account, and Experian has been unable to produce any legally sufficient documentation to demonstrate that I am contractually obligated to this debt. It appears this entry may be the result of file contamination or erroneous data reporting. 

XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - Balance : {$2300.00}. This account has been flagged in my disputes as potentially inaccurate and improperly reported. Experian has not produced supporting documents or validation despite being obligated to do so by law. The continued appearance of this charge-off without proof is unjustified and unlawful. 

These accounts, as reported, negatively impact my creditworthiness and financial opportunities. Experian has failed to conduct a proper reinvestigation or supply sufficient validation to support the continued reporting of these debts. This negligence is unacceptable.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX GA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-06-20 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a Citi card in XX/XX/XXXX and transferred the balance from a XXXX XXXX card to this card. I have my personal bank account with XXXX XXXX, where I have made payments ON-LINE from this account. I have NOT made any payments over the phone. I submitted an online payment of {$100.00} on XX/XX/XXXX, another {$100.00} payment on XX/XX/XXXX, a payment of {$100.00} on XX/XX/XXXX, a {$200.00} payment on XX/XX/XXXX, a {$100.00} payment on XXXX, XXXX, a {$150.00} payment on XX/XX/XXXX, and a {$100.00} payment on XX/XX/XXXX. Starting around XXXX. XXXX, XXXX, all sorts of fraudulent charges and payments started showing up on my account. I reported it in XXXX, XXXX, and the customer service rep said it would be investigated and handled. Citibank initially removed the charges, then they reinstated all of the fraudulent charges and removed the fraudulent payments. I have NEVER used this card for any purchases of any sort. I only opened this account to transfer part of my XXXX XXXX balance to this no-finance card. Now Citibank is giving me the runaround about taking those fraudulent charges off of my account.

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 monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have mailed " cease and desist '' letters and sent emails to cease and desist on the 2 accounts I have with Chase bank and they are calling me 3 times a day, sending emails, and written communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Experian is refusing they will not assist in removal of the 10 Unauthorized Inquries witch is an causing harm to me as I did not authorize being pulled Account name XXXX XXXX  Date of request XX/XX/year> Show more Account name XXXX XXXXXXXX XXXX Date of request XX/XX/year> Show more Account name XXXX XXXX XXXX Date of request XX/XX/year> Show more Account name XXXX XXXX XXXX XXXX Date of request XX/XX/year> Show more Account name XXXX XXXX XXXX Date of request XX/XX/year> Show more Account name XXXX XXXX XXXX XXXX Date of request XX/XX/year> Show more Account name XXXX XXXX XXXX Date of request XX/XX/year> Show more Account name XXXXXXXX XXXX  Date of request XX/XX/year> Show more Account name XXXXXXXX XXXX  Date of request XX/XX/year> Show more Account name XXXXXXXX XXXX  Date of request XX/XX/year> These are all Unauthorized Inquries Still Being Reported

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 2025-06-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 2025-06-20 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:
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 non-monetary relief
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
This collection from XXXX XXXX XXXX is inaccurate. This was for a security system with XXXX XXXX, that I never received the equipment or service installment. I called the XXXX XXXX XXXX and spoke to supervisor the collection company couldn't verify what security system it was or what address its associated with. Collection is from XX/XX/year>. This debt is invalid because it was not for my address. Please verify service address and what property this was for. Please send validation documents to prove this debt is mine, and place it in dispute and send all validation 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Did not get response, followed up but no request was found or noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while damaging my creditworthiness and financial standing. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen XXXX  to XXXX  XXXX. The continued presence of these disputed items violates my rights under the Fair Credit Reporting Act and demonstrates a failure to properly investigate and verify the accuracy of the information being reported.

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