vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 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: AL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I am a victim of identity theft and previously submitted an FTC Identity Theft Report to XXXX, requesting a block of a fraudulent TD Bank/Nordstrom account under FCRA 605B . XXXX  deleted the account in XX/XX/year>. However, in XX/XX/year>, the account was reinserted into my credit file without notice, violating FCRA 611 ( a ) ( 5 ) ( B ), which requires written notification within 5 business days. 

As a result of this illegal reinsertion, my FICO XXXX score dropped over XXXX points. I have since been denied credit and suffered material harm. XXXX  has not provided a method of verification or valid explanation. I have included my full documentation, including FTC report, breach evidence, credit score drop screenshots, and a notarized pre-litigation demand for deletion and damages. 

I am requesting that XXXX  ( 1 ) immediately delete the TD/Nordstrom tradeline , ( 2 ) provide a full method of verification under FCRA, and ( 3 ) compensate for actual and statutory damages as outlined in FCRA 616617 . TD Bank/Nordstrom has also been notified. 

Failure to resolve this promptly will result in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank thinks I'm fraudulent and blocks communication based on my user phone number XXXX cause I'm in the XXXX  my number here is XXXX if anyone would get the courage to call and verify this number keeping in mind I'm 12 hours ahead of XXXX XXXX CALLING time give or take based on your location. For me in in XXXX XXXX XXXX.Is this how you treat an veteran XXXX, with no current, funds locked up in a chase checking account help by chase bank not able to travel to chase bank. Free up my debit card so I can help myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-06-19 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: CA

Complaint narrative:
Hello, I appreciate your time and attention. I am writing to formally dispute the information being reported on my credit report related to the company XXXX. There is a clear inconsistency in how the account is reported across the three major credit bureaus regarding the 'last payment date '. The dates listed on XXXX, XXXX, and Equifax are all different for this same account, which indicates inaccurate or unverifiable reporting. 
Please note that this account has a {$0.00} balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this error be fully investigated and that this account be removed from all credit bureaus, including any smaller consumer reporting agencies such as XXXX and XXXX. 
I am including screenshots of all three reports clearly showing the date discrepancy, as well as my identification and address verification documents. 
Thank you so much in advance for helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I hope this message finds you well. I am reaching out today to follow up on a letter I sent on XX/XX/year>, regarding certain fraudulent items present on my credit report. As per the Fair Credit Reporting Act, specifically under section 15 USC 1681, I am well within the legally stipulated timeframe to address these discrepancies. I am earnestly requesting your assistance in promptly removing these erroneous entries from my credit report. I believe rectifying these inaccuracies is crucial in ensuring the integrity and fairness of my credit profile 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this message finds you well. I am reaching out today to follow up on a letter I sent on XX/XX/year>, regarding certain fraudulent items present on my credit report. As per the Fair Credit Reporting Act, specifically under section 15 USC 1681, I am well within the legally stipulated timeframe to address these discrepancies. I am earnestly requesting your assistance in promptly removing these erroneous entries from my credit report. I believe rectifying these inaccuracies is crucial in ensuring the integrity and fairness of my credit profile 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for a credit card from XXXX with a {$500.00} credit limit and a {$120.00} annual fee. I never activated the card and never used the account. A representative advised me to wait until the card arrived and not to activate it until I was ready. 

Despite this, XXXX charged the full annual fee on the same day the account was opened. I requested the fee be reversed and the account closed without penalty, but XXXX has refused. I believe this is an unfair and deceptive billing practice and should not result in negative credit reporting. 

I am requesting that the annual fee be reversed and that the account be closed with no negative impact to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MO

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 2025-06-19 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} Date Opened : XX/XX/scrub>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 2025-06-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against UNITED REVENUE regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : UNITED REVENUE ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$980.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with UNITED REVENUE buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to formally dispute a late payment currently being reported on my credit file in connection with the following account : Creditor name : Santander bank Date of late payment : XXXX XXXX I am disputing this payment history as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) Section 611. At no point have I received documentation proving the validity of this alleged delinquency, and to my knowledge, the record being reported is either outdated, incomplete, or otherwise inconsistent with my payment activity. 
I am requesting a full reinvestigation of this account. Unless the late payment can be verified with complete and accurate documentation, including timestamped internal logs or notices from the creditor, this information must be removed immediately from my credit report. 
Please provide me with the results of your investigation, along with the name and contact information of the furnisher that verified the data. If your system continues to report unverifiable payment history, I reserve the right to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 
Thank you for your attention to this matter. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX ( XXXX ) Last 4 of SSN ( XXXX ) Send this to all 3 credit bureaus :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
RE- LEGAL DEMAND TO REMOVE FRAUDULENT CLOSED ACCOUNTS AND UNAUTHORIZED HARD INQUIRIES - IDENTITY THEFT - FCRA VIOLATIONS To Whom It May Concern- This letter is a formal legal dispute and demand for action under the Fair Credit Reporting Act. 

I am a victim of identity theft. The following accounts and hard inquiries were fraudulently opened or made without my authorization. These are not mine. Continued reporting of these items violates FCRA sections 605B, 1681e-b, and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details : 1. XXXX XXXX  XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, 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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation