vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Re : Dispute of Inaccurate Collection Account Reporting Dear Sir/Madam, Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the reporting of the collection account referenced in your recent communication, which is inaccurately reported as an open account with an incorrect balance owed. Under the Fair Credit Reporting Act ( FCRA ), I request the immediate correction of these inaccuracies, as they are in violation of the law. 
According to the FCRA ( 15 U.S.C. 1681 et seq. ), you are required to report accurate information to the credit bureaus. The inaccuracies in this account are as follows : 1. The collection account status is incorrectly reported as " OPEN. '' This is inaccurate and must be corrected to reflect the true status of the account.

2. The balance owed is reported inaccurately. You must provide the correct balance owed or delete the account from the credit report.

Under the FCRA, the following provisions apply to this dispute : - 15 U.S.C. 1681i : Requires that upon receiving a dispute, the consumer reporting agency must conduct a reasonable investigation into the disputed information and correct any inaccuracies found.

- 15 U.S.C. 1681e ( b ) : Mandates that consumer reporting agencies maintain reasonable procedures to ensure that the information they report is accurate.

- 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits the reporting of information regarding a debt that has been charged off or is in dispute.

- 15 U.S.C. 1692e ( 8 ) : Prohibits a debt collector from reporting inaccurate information about a debt to any credit reporting agency.

Additionally, the following provisions in the Fair Debt Collection Practices Act ( FDCPA ) apply : - 15 U.S.C. 1692g ( a ) ( 1 ) : Requires that you provide me with the correct balance owed for the debt.

- 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits a debt collector from misrepresenting the amount or legal status of any debt.

- 15 U.S.C. 1692e ( 8 ) : Prohibits the reporting of false or misleading information to credit bureaus.

It is my demand that you immediately correct or delete the inaccurate account reporting, and if you can not provide substantiated evidence to back your claims, the entire account must be deleted from my credit report. Failure to comply with these legal requirements will result in further legal action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing a lawsuit for violation of federal consumer protection laws.

Please note that this is your formal notice of dispute under both the FCRA and FDCPA. I expect written confirmation of your findings and actions within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
XX/XX/XXXXXXXX  Experian, Equifax, and TransUnion RE : Dispute of Incomplete Credit Reporting Due to Account Restriction and Data Breach To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute inaccurate and incomplete information being reported on my credit file. My contact details are as follows : XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX The account in question, reported by XXXX XXXX XXXX as a line of credit with a {$500.00} charge-off, is showing as charged off and written off, but no closure date is listed. This gives the false appearance that the account may still be open, unresolved, or active in some way. 

Furthermore, this account is connected to a period when I was restricted from accessing my XXXX account. I received notice from XXXX on XX/XX/XXXX, that my account had been restricted due to a negative balance. This was shortly after XXXX experienced a confirmed ransomware attack on XX/XX/XXXX, which compromised member information. 

As a result of the restriction, I no longer had access to the account to view, manage, or correct any errors. The charge-off appears to have occurred during this restricted period, which raises serious questions about the accuracy of the reporting. Since I could not access the account at the time it was reported as charged off, I was not able to resolve or dispute the matter prior to the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter. Please confirm the exact closure date of this account. If you can not verify that the account was correctly closed and reported during a time when I had full access to my banking information, I request that the account be removed entirely from my credit report. 

Please respond with the results of your reinvestigation in writing within the 30-day timeframe required by law. 

Sincerely, 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 2025-06-16 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:
XX/XX/XXXXXXXX  Experian, Equifax, and TransUnion RE : Dispute of Incomplete Credit Reporting Due to Account Restriction and Data Breach To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute inaccurate and incomplete information being reported on my credit file. My contact details are as follows : XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX The account in question, reported by XXXX XXXX XXXX as a line of credit with a {$500.00} charge-off, is showing as charged off and written off, but no closure date is listed. This gives the false appearance that the account may still be open, unresolved, or active in some way. 

Furthermore, this account is connected to a period when I was restricted from accessing my XXXX account. I received notice from XXXX on XX/XX/XXXX, that my account had been restricted due to a negative balance. This was shortly after XXXX experienced a confirmed ransomware attack on XX/XX/XXXX, which compromised member information. 

As a result of the restriction, I no longer had access to the account to view, manage, or correct any errors. The charge-off appears to have occurred during this restricted period, which raises serious questions about the accuracy of the reporting. Since I could not access the account at the time it was reported as charged off, I was not able to resolve or dispute the matter prior to the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter. Please confirm the exact closure date of this account. If you can not verify that the account was correctly closed and reported during a time when I had full access to my banking information, I request that the account be removed entirely from my credit report. 

Please respond with the results of your reinvestigation in writing within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: WI

Complaint narrative:
I recently obtained a copy of my credit report and noticed some accounts and hard inquiries that I did not authorize, this has been very frustrating and heartbreaking as I am in the process of buying a home for my family.

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 2025-06-16 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: WI

Complaint narrative:
I recently obtained a copy of my credit report and noticed some accounts and hard inquiries that I did not authorize, this has been very frustrating and heartbreaking as I am in the process of buying a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

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 2025-06-17 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Type of complaint : Credit card Fraud or scam Company involved : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Consumer Complaint Description ( Your Narrative ) : My name is XXXX XXXX XXXX and I am filing a complaint regarding unauthorized and fraudulent use of a Chase-issued XXXXXXXX XXXX XXXX  credit card , where I am listed as a co-applicant with my sister. I am requesting the CFPBs assistance in resolving this matter, as the card was used without my knowledge or consent, and I have been unsuccessful in resolving this directly with the bank due to long hold times and disconnections when attempting to report the card as lost. 

Background : In XX/XX/year>, I experienced a personal family emergency that required me to urgently relocate from XXXX to XXXX. My brother-in-law passed away unexpectedly, and I became responsible for supporting his grieving family and helping care for his children. During this emotionally difficult and chaotic period, I lost track of the credit card account, which I did not have in my possession and was not actively using. 

Unbeknownst to me, the credit card was being usedwithout my authorizationfor what now appears to be months of fraudulent charges, including several international transactions. Because my sister ( the primary cardholder ) manages the account through her XXXX online profile, I had no direct access to statements or notifications. She mistakenly believed I was using the card and continued to make minimum payments on it so as not to negatively affect my credit or hers. 

It was not until early XXXX XXXX a year laterthat she sent me a copy of the statement and I became aware of the alarming balance and transactions I did not recognize. I immediately searched for the physical card and realized it was missing. I then tried multiple times to report the card as lost or stolen, but each time I was placed on hold for a long time and eventually disconnected. 

This situation has placed an unfair financial and credit burden on both me and my sister. We were unaware that the card was being misused and only learned about it after damage had already occurred. We are now left with a balance we can not pay, stemming from charges I never made or authorized, and it is actively hurting our credit reports. 

Resolution Requested : I am respectfully requesting : A formal fraud investigation into the full activity on this card. 
Reversal of all unauthorized charges that were made without my knowledge or consent. 


. 
Thank you for reviewing my complaint and for helping protect consumers like myself in vulnerable moments. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
There was a fire in the apartment above mine on XX/XX/XXXX. My apartment was flooded with water from sprinkler system. I had to stay in a hotel from XX/XX/XXXX until XX/XX/XXXX. My property manager XXXX XXXX XXXX told me I would be back in my apartment in XXXX weeks. I visited the apartment many times and each time nothing was done in my apartment. I asked to move into another unit and XXXX told me only if I signed a new lease which I didnt want to do because my lease didnt expire until XX/XX/XXXX. I was a victim and was treated like I did something wrong. My apartment had no electricity, ceilings, baseboards, and only partial walls. It was winter and cold. The apartment was not habitable and my management company still wanted me to pay XXXX and XXXX rent. I conferred with an attorney through my jobs XXXX service who told me that it is not legal for a landlord to expect rent when the apartment is not habitable in the state of North Carolina. I told my management this and they employed a collection company to ask me for the rent. The company is Hunter Warfield. They contacted me and asked me to send them proof of why I didnt owe the rent. I sent them video and pictures of the state of the apartment along with emails between me and my management company. Hunter Warfield said they would get back to me and months went by and I got a ding from my credit monitoring that Hunter Warfield put the rent on my credit report just as my management company said they would. They didnt get back to me nor did they have any intention on helping me, they work for my management team. I want this off my credit report because I dont owe them money for an apartment that I didnt live in for almost XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-17 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: CA

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 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 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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