vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
HI THERE. IM A VICTIM OF XXXX XXXX XXXX. ATTACHED YOU WILL SEE EVERYTHING YOU NEED TO PROVE THAT. PLEASE HELP ME TAKE OFF THE ACCOUNTS AND INQUIRIES THAT ARE IN MY SUPPORTING DOCUMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: DC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-05-22 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: DC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft. My personal information was stolen or compromised, and as a result, a fraudulent credit card account appeared on my credit report. 

This account does not belong to me, and I have never authorized, registered, or signed any agreements related to it. I have never logged into it, never received any services or money, and I have never paid anything on it. 

This fraudulent account should be removed from my credit report immediately. 

Fraudulent Account Details : Creditor : Bank of America ( BK OF AMER ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX  Type : Credit Card Date Opened : XX/XX/year> 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 explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
My Equifax credit report contains multiple derogatory accounts that are highly questionable, inaccurate, and appear to be reported without any verifiable evidence. XXXX is listing a charge-off under account number XXXXXXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX with a balance of {$1700.00}, which is beyond the legal time frame for reporting such information. XXXX XXXX is reporting a charge-off in the amount of {$13000.00} under account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, but no original contract, billing history, or validation of this debt has ever been presented. Similarly, XXXX XXXX and XXXX XXXX are both reporting charge-offs under account numbers XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX, respectively, with {$0.00} balances from XXXX and earlier, yet they remain on my credit report and continue to negatively impact my score. XXXX XXXX XXXX is reporting a repossession dated XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX, with a {$0.00} balance but without any supporting documentation of repossession, sale, or remaining liability. Lastly, XXXX XXXX is listing a collection under account number XXXXXXXX XXXX XXXX XXXX XXXX for {$520.00} dated XX/XX/XXXX, but I have received no formal notice or validation letter to explain the basis of this debt. These inconsistencies suggest that Equifax is reporting outdated and unverifiable data without proper oversight or reinvestigation, and may be failing to comply with its legal duties. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX  days. Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My TransUnion credit report is showing several late payment notations on accounts that are either closed, fully paid, or reporting a {$0.00} balancemaking the presence of any derogatory information misleading, inaccurate, and harmful. TransUnion is currently reporting late payment marks on my XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, even though the account is listed as closed or paid with a {$0.00} balance. Similarly, the account from XXXX under number XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, is marked with past due information despite being fully paid and closed with no balance owed. XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX has a reported past due status dated XX/XX/XXXX with a {$0.00} past due amount, and yet the derogatory entry remains active on my report, damaging my creditworthiness years after resolution. Furthermore, XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX is marked with a XX/XX/XXXX date, and the XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX is dated XX/XX/XXXX, XXXX of which also reflect {$0.00} balances and no open delinquency. These entries not only exceed the reporting limit for negative payment history but also mislead lenders into believing Ive recently defaulted when the accounts are long settled. Reporting derogatory data on {$0.00} accounts that have been closed or paid violates the FCRAs accuracy standards and causes ongoing financial harm, especially when no proof of ongoing delinquency is present. 

Under 15 U.S.C. 1666 and 1666 ( b ), the credit furnisher and bureau are responsible for correcting errors that are reflected on consumer accounts. Additionally, TransUnion is obligated under 15 U.S.C. 1681i to investigate and correct or update any information that is inaccurate, incomplete, or can not be verified. Maintaining obsolete or misleading late payment data violates these provisions and opens the door to liability under 15 U.S.C. 1681n for willful noncompliance.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting several late payments on accounts that are either closed or carry {$0.00} balances, despite having no active delinquency and being fully resolved. The XXXX XXXX account under number XXXX XXXX XXXX XXXX XXXX is showing a late payment as of XX/XX/XXXX, even though the account has long been closed and reflects a balance of {$0.00}. The same is true for the XXXX account, number XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX too is listed with a {$0.00} balance and is paid in full. Another example is XXXXXXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX  showing a past due status from XX/XX/XXXX, again with a {$0.00} past due amount. These entries serve no purpose other than to unfairly penalize my credit history despite there being no outstanding balance, delinquent activity, or ongoing payment obligation. The FCRA requires that all information be reported fairly and accurately, and maintaining derogatory remarks on closed or fully paid accounts is both misleading and punitive. 

Pursuant to 15 U.S.C. 1666 and 1666 ( b ), Experian has a duty to ensure the information being reported reflects accurate current status. Moreover, under 15 U.S.C. 1681i, Experian must reinvestigate disputed information and update or correct it if it can not be verified. Continuing to report late payments on {$0.00} closed accounts without verification directly violates these statutes and is actionable under 15 U.S.C. 1681n for willful negligence.

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 2025-05-21 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Hi, I'm a victim of XXXX XXXX with 605c, and chexsystems has a lot of incorrect and fraudulent items under my report which is causing me a lot issues. please fix that for me.

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 2025-05-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX on XX/XX/XXXX under the XXXX account number, and an account opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
Equifax is currently reporting late payment notations on accounts that are closed or showing a balance and past due amount of {$0.00}, which is misleading, outdated, and severely damaging to my credit file. XXXX XXXX is listed under account number XXXX XXXX XXXX XXXX XXXX with a late payment dated XX/XX/XXXX, despite having a {$0.00} balance and being marked closed. Similarly, XXXX with account number XXXX XXXX XXXX XXXX XXXX is reporting a late payment from XX/XX/XXXX with no outstanding amount. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is marked with a past due status dated XX/XX/XXXX, yet the past due amount is {$0.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also shows a late payment from XX/XX/XXXX, even though it has been closed and paid off with no remaining obligation. Reporting derogatory data with XXXX balances and no current delinquencies constitutes both a misrepresentation of creditworthiness and a violation of the accuracy requirements under the FCRA. This practice is especially egregious when the derogatory data exceeds the statutory reporting limit and the accounts have been long resolved. These inaccuracies appear to be the result of negligence or outdated reporting practices. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light serious violations by Equifax in its failure to properly investigate and resolve consumer disputes. Specifically, the CFPB has alleged in litigation that Equifax performed sham investigations and failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a full and reasonable reinvestigation within 30 days of a consumer dispute. Furthermore, 15 U.S.C. 1681 ( a ) ( 5 ) mandates that any information found to be incomplete or inaccurate must be deleted or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is currently reporting both outdated address information and a former name that does not accurately reflect my legal identity. My credit report contains the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While the latter is my current residence and should remain, the former should be permanently removed as it no longer represents my place of residence. In addition, Equifax is reporting a former name listed as XXXX XXXX, which is incorrect and does not match any legal or official identification documents associated with my identity. 

The presence of inaccurate name records and outdated addresses puts my identity at risk and increases the possibility of misattribution, especially in the context of ongoing credit reporting errors and data breaches affecting millions of Americans. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed information within 30 days of being notified. Furthermore, 15 U.S.C. 1681 ( a ) ( 5 ) clearly mandates that information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted. The continued presence of false identifiers such as a former name that I have never legally used constitutes a gross violation of this standard. 

Recent findings by the Consumer Financial Protection Bureau have further exposed Equifaxs systemic failures to properly investigate and resolve consumer disputes, including accusations that the agency has engaged in sham investigations. Such findings reinforce the urgency for immediate correction of any inaccurate personal information that could further jeopardize my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. I am demanding the company block and remove this fraudulent debt of my consumer report no later than 4 business days after such information i provide XXXX XXXX XXXX XXXX XXXX i have not provided proof under the doctrine estoppel by silence, engelhardt V gravens ( M0281 ) SW715,719 i presume that no proof of the alleged debt, nor therfore any debt, in fact exist

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 2025-05-21 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: CA

Complaint narrative:
There are significant discrepancies in the way my name is being reported by TransUnion and XXXX, which are contributing to confusion and potential misidentification in my credit profile. TransUnion is listing my name as XXXX XXXX, while XXXX  is reporting it as XXXX XXXX XXXX. These are two different variations of my legal identity and should not be reported as separate or alternate names. The correct spelling and formatting of my name must be uniform across all credit bureaus to ensure the accuracy and integrity of my credit file. 
This type of inconsistency in personal identifying information is unacceptable, especially when such errors may stem from outdated, incorrect, or compromised data. Given the prevalence of data breaches in recent years, it is essential that credit reporting agencies like TransUnion and XXXX  uphold their legal obligations to verify and maintain only accurate and verifiable personal information. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must adopt reasonable procedures to assure maximum possible accuracy of the information they report. The continued presence of multiple, conflicting name formats is a clear failure to meet that standard and poses a serious risk to my financial profile and personal reputation.

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 2025-05-21 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-21 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: OH

Complaint narrative:
I request that u remove the folowin items from my file. The items I am requestin that you remov are listed in the report. I am an identity theft victim and I never authorizd the charge. I request that you remove the items in order to clear my credit record. I reported the identity theft to the Federal Trade Commission and I have provided duplicate copies of the Federal Trade Commissions Identity Theft Affidavit. Remov the items as soon as u can.

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 2025-05-22 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: IN

Complaint narrative:
Chase card was compromised, was a {$14000.00} fraudulent charge made. 
Chase refuses to help. 
Have been fighting with them since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
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