vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am submitting to formally dispute inaccurate information on my credit report that I believe to be erroneous and need to be corrected immediately. After reviewing my credit file, I have identified several discrepancies, including inaccurate addresses, charge-off accounts, collections, and inquiries that require your urgent attention. 
XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX 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 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 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Legal References : FCRA 611 ( 15 U.S.C 618i ) : Under this section, I have the right to dispute any inaccurate information on my credit report. I am requesting that the inaccuracies mentioned above be investigated, and that corrections be made.

FCRA 623 ( a ) ( 2 ) : As a furnisher of information, you are required to correct and update any inaccurate or incomplete information. I ask that you verify and update the charge-offs and collections listed above to reflect the correct information.

FCRA 623 ( b ) : The furnisher 's duty to investigate any dispute is outlined in this section. I ask that the furnishers of these accounts investigate the discrepancies and provide the necessary updates to my credit file.

FCRA 602 : This section emphasizes the importance of maintaining a fair and accurate credit reporting system. As a consumer, I rely on the accuracy of my credit report, and I am requesting that the inaccurate information be corrected promptly.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I had been approached by a company called XXXX XXXX who said they were giving me a XXXX loan. They asked for my account and routing number with Chase Bank. The next thing I knew On XX/XX/year> a dispute was filed with Chase on 5 charges. The total amount of the charges was XXXX. I called Chase and told them I did not file the disputes. Chase credited the account XXXX. Despite my repeated warnings they finally credited the account back XXXX. This put my account into a negative XXXX. They eventually closed the account and charged off the amount. 

Despite my repeated warnings they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed to Equifax via Certified Mail Return Receipt Requested a complete Section 605B Identity Theft Package.

The package included my FTC Identity Theft Report, a written FCRA 605B deletion request, and copies of my government-issued ID and Social Security card Tash Wilson Dispute 2 Follow up.

Despite proper delivery, Equifax never responded, failed to acknowledge my certified submission, and did not block or delete the fraudulent information from my file.

This silence and inaction violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act, as outlined in my attached letter.

Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent information within four business days after receiving valid identity-theft documentation.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 611 ( a ) ( 5 ) Failure to provide written results and an updated report.

FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) Continuing to report information known to be inaccurate.

FCRA 1681b Unlawful access or furnishing of data without permissible purpose during a pending dispute.

FCRA 1681n1681o Civil liability for willful and negligent noncompliance.

Cal. Civ. Code 1785.16.1 Failure to block fraudulent data within four business days after receiving identity-theft documentation Tash Wilson Dispute 2 Follow up.

Details Equifax did not return the certified-mail green card, provide any written acknowledgment, or confirm that fraudulent data was removed.

No Method of Verification ( MOV ) or reinvestigation re
sults were issued.

Automated systems such as Metro 2 or E-OSCAR do not meet the FCRAs requirement for a reasonable, manual reinvestigation.

All credit bureaus are under security freeze, so inter-bureau verification is invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. 
The accounts listed below contains significant inconsistencies across the bureaus, which constitutes a clear violation of my rights under the FCRA. I have evidence ( a screenshot of my credit monitoring service, attached ) proving that the reporting on this single account is inconsistent across the three major credit reporting agencies. The FCRA mandates that all furnished information must be accurate and verifiable. Inconsistent Payment Status : Experian and Equifax currently report a " Late 90 Days '' payment status for this account. 
There are notable variations in the " Last Reported, '' " Date Last Active, '' and " Date of Last Payment '' fields across the three bureaus. These discrepancies clearly demonstrate that the information you are maintaining is not entirely accurate or verifiable, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If the furnisher can not verify the consistency and accuracy of all reported data points for this account, I demand that you promptly delete this unverifiable and inaccurate trade line from my credit report entirely. Please provide me with the results of your investigation, along with all supporting documentation used by the furnisher to verify the accuracy of the reporting.

Thank you for your prompt attention to this serious matter. 

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 2025-11-12 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:
I am writing to dispute inaccurate information appearing on my credit report. 
The accounts listed below contains significant inconsistencies across the bureaus, which constitutes a clear violation of my rights under the FCRA. I have evidence ( a screenshot of my credit monitoring service, attached ) proving that the reporting on this single account is inconsistent across the three major credit reporting agencies. The FCRA mandates that all furnished information must be accurate and verifiable. Inconsistent Payment Status : Experian and Equifax currently report a " Late 90 Days '' payment status for this account. 
There are notable variations in the " Last Reported, '' " Date Last Active, '' and " Date of Last Payment '' fields across the three bureaus. These discrepancies clearly demonstrate that the information you are maintaining is not entirely accurate or verifiable, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If the furnisher can not verify the consistency and accuracy of all reported data points for this account, I demand that you promptly delete this unverifiable and inaccurate trade line from my credit report entirely. Please provide me with the results of your investigation, along with all supporting documentation used by the furnisher to verify the accuracy of the reporting.

Thank you for your prompt attention to this serious matter. 

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2025-11-12 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/, I opened an XXXX XXXX XXXX in store. I never received a physical card and realized it was stolen when I received a bill in the mail. From XX/XX/2025 to XX/XX/, the card was used to make over {$2000.00} in purchases. The thief also requested a new card and added the card to their phone " wallet ''. I cancelled the card, closed the account, and expressed to Barclay 's Bank that no one with my social security # should be permitted to open any future account with them. 

Since XXXX, the company has found some of the purchases to be legitimate ( over {$300.00} ). They continue to charge me a late fee and purchase charge every month. Since XXXX, I have called the company multiple times, expressing that I did not make any of those purchases and that I had already expressed they were all fraudulent since the first time I called them. Every person who I have spoken to does not document appropriately - evidenced by my having to explain the situation each time because the employee on the phone does not see anything in the notes. 

The pattern of the purchases remains the same ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They provided no reason for how they determined that some of the purchases were legitimate. 

At this time, the bill continues to grow and my credit score is being heavily impacted. The bank has provided no reasoning or solution to this problem. 

on XX/XX/, they expressed that my mailing address was changed. I have never changed the mailing address. This company continues to allow illegitimate persons to make changes on this closed 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 explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER XXXX  LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to XXXXXXXX XXXX XXXX and eliminate any delinquent status.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing a XXXX  inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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 XXXXXX/XX/year>

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 2025-11-12 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverifiable late-payment accounts that have been reported on my credit file. Upon reviewing my credit report, I discovered multiple entries that do not accurately reflect my payment history or account activity. These errors have negatively impacted my credit standing and appear to stem from reporting inaccuracies or miscommunication between the furnishers and the credit bureaus. 

XXXX XXXX XXXX XXXX Balance {$6400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$2100.00} Date opened XX/XX/XXXX XXXX  XXXX Balance {$5000.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA 611 : Failing to remove or correct unverified or disputed data. 

State of Texas Consumer Protection- Unfair Trade Practices Act I have already filed a formal dispute directly with XXXX XXXX XXXX and the major credit bureaus, but no appropriate response or valid documentation has been provided within the required timeframe. 

I am requesting your office investigate XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act and for unlawfully furnishing inaccurate information to consumer reporting agencies.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I'm disputing the XXXX XXXX XXXX XXXX collection on my credit report. The account shows inaccuracies : incorrect balance and dates. Under FCRA section 611 and FDCPA 15 U.S.C. section 1681i ( a ) ( 7 ), verify the debt, prove I received all notices, and confirm your right to collect with original creditor documents. Respond within thirty days with full details, or remove the account entirely. I expect your timely cooperation in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened XXXX XXXX Capital One savings accounts and they were not giving me the correct interest rates

Company response to consumer: Closed with explanation