vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
Transunion Subject : Formal Dispute Under the FCRA Reinserted Repossession & Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute certain information reported on my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I recently discovered that a repossession entry, which had previously been removed from my credit report, has been reinserted without proper notification to me as required by law. Additionally, there are multiple inconsistencies regarding the reporting of this account across all three major credit bureaus. The accounts are listed below. 
XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account Number XXXX Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a deleted item is reinserted into a credit report, the consumer reporting agency is legally required to provide the consumer with written notification within 5 business days of the reinsertion. I did not receive any such notification, which constitutes a direct violation of my rights under the FCRA.

Furthermore, pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information included in consumer reports. The following inconsistencies in the account details raise serious concerns about the accuracy and reliability of the data being reported : Different account numbers listed with different bureaus Conflicting dates for the original delinquency, charge-off, and last payment Variations in the balance owed and payment history Due to these issues, I am formally requesting : A reinvestigation of the account in question under 15 U.S.C. 1681i ( a ).

Immediate deletion of any unverifiable or inaccurate information.

Documentation from the original creditor validating the reinsertion, including the method and date of verification.

Written confirmation that your agency has notified me in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), or an explanation for the failure to do so.

Please complete this reinvestigation within the 30-day period allowed by law. If the account can not be verified with complete accuracy and consistency, it must be removed from my credit report as required by federal law.

Please send all findings and any supporting documentation to my address listed above. I also request that you provide me with an updated copy of my credit report reflecting any changes made as a result of this dispute. 

Sincerely, 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 2025-07-18 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: NY

Complaint narrative:
On XX/XX/XXXX I saw a charge of {$210.00} for a XXXX XXXX charge. This charge was cancelled but there was also a charge of {$200.00} from XXXX XXXX, which I did not make. Initially both charged were credited but on XXXX 2025 the {$200.00} charge was returned. I contacted Chase bank and filed a police report. Chase bank said they will investigate. They called three days later and claimed it was a legitimate charge. That the transection was made from my IP address, which I know was not true. No one has access to my computer. They also stated that I ok 'd the transaction which is also a total lie. I checked my telephone notification from Chase and I did receive a notification on the {$210.00} charge on XX/XX/year> which I rejected, but never received a notification regarding the {$200.00} charge from XX/XX/year>. 

I am worried that this could happen again, with a much larger amount and Chase will not be there to help me. I am always early with my credit card payments and never filed a fraud claim in all the years with Chase. I hope something can be done to correct this. I am a single father with a profoundly XXXX XXXX, and I work hard for my income. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XXXX/XXXX/25

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am requesting the immediate removal of an outdated and inaccurate address from my credit reports : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AR XXXX This address is no longer associated with me and should not be reported. 

Under FCRA 607 ( b ), credit reporting agencies must maintain the maximum possible accuracy of consumer information. Additionally, per Metro 2 Format Compliance Guidelines, all addresses must be verifiable, current, and accurately coded.

This address is not my current residence and can not be validated. Therefore, it must be removed immediately from TransUnion, Equifax, and Experian, and I request written confirmation of its deletion.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
Credit Collections has continually harassed me and willfully and purposely destroyed my credit score but adding and deleting false information. 

They have made claims I owe XXXX XXXX {$360.00} and I have proven time and time again that I do not owe anything. XXXX system screwed up and overcharged me. I dropped them as my auto insurance carrier 2 months prior to last day they claim to have covered me. 

Credit Collections has ruined my credit score ( all 3 credit bureaus ) because they add it ( drops score ) and then delete it ( never recovers my score ) and add it again!!!! I would like for you to tell them they are not allowed to do this anymore!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX, MA XXXX RE : Request for Debt Validation under the FDCPA Dear, CREDIT COLLECTION SERV. 

I am writing in response to your letter XX/XX/XXXX, which I reviewed on XX/XX/XXXX regarding the alleged debt with. I do not acknowledge this debt, and pursuant to under my rights under the Fair Debt Collection Practices Act Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt.

Please provide me with the following information : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed statement or copy of any judgment.

4. Copies of any documents bearing my signature that support your claim ; 5. Verification that you are legally authorized to collect debts in my state ; 6. The name and address of the original creditor, if different from the current one.

Until this debt is validated, you must cease all collection activities, including reporting this debt to credit reporting agencies, per the FDCPA.

If you are unable to validate the debt, you must stop collection efforts and notify any credit reporting agencies to whom you've reported it to remove the information.

Please consider this letter as a formal dispute of the alleged debt. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 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: IA

Complaint narrative:
I recently received a copy of my report and noticed multiple accounts that are damaging to me moving forward because they do not belong to me. I am taking all the necessary steps to remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IA

Complaint narrative:
I recently received a copy of my report and noticed multiple accounts that are damaging to me moving forward because they do not belong to me. I am taking all the necessary steps to remove these accounts.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had no involvement in opening these fraudulent accounts and did not know about them. Kindly remove them from my credit report within 15 days according to USC 1681g. Documentation is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Because I can not add to my original complaint this is a complimentary complain to complaints XXXX and XXXX. 

On XX/XX/XXXX I confirmed with XXXX XXXX, the drawer of the check, that I deposited in my FNBO account on XX/XX/XXXX that the funds had been debited from his account. 

On XX/XX/XXXX at XXXXXXXX XXXX I attempted to withdraw {$100.00} in funds from the ATM at my local FNBO branch. The receipt suggested I contact my financial institution. 

I called FNBO customer service from phone number XXXX at approximately XXXX on the morning of XX/XX/XXXX to confirm that my entire balance was available, which they did. 

This is now 9 days after I made my last deposit. The bank is well aware of my concerns since I went to the local branch office to complain about the apparent illegality of their actions to the branch manager who said she would look into the situation and then had me removed by the police. 

If, for some reason that escaped their attention, I also called their fraud department on XX/XX/XXXX who said they could do nothing about it but would pass the message on. 

This is in addition to the 2 complaints I have filed with the CFPB. 

I am now almost destitute. I have an 1/8th of a tank of gas, a few days left of food, and my internet will be shut off on XX/XX/XXXX. FNBO is solely responsible for this and any consequences that occur because of it.

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 2025-07-18 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX Account Number : XXXXXXXX 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 Date Opened : XX/XX/XXXX, Balance : {$16.00} XXXX XXXX - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$14.00} XXXX XXXX - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$70.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX debt XXXX which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-18 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:
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 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XXXX/XXXX/25

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