vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX Subject : Dispute of Repeated Charge-Off Reporting FCRA 1681s-2 ( a ) ( 1 ) ( A ) Violation To Whom It May Concern, I am writing to formally dispute the inaccurate and unlawful reporting of several accounts on my credit file. These accounts are being reported as charged off across multiple months, which constitutes repetitive charge-off reporting a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Guidelines. 
Accounts in Violation : XXXX XXXX Account # : XXXX Charged off in XX/XX/XXXX, but CO is being reported every month into XXXX. 

XXXX XXXX Bank ( XXXX XXXX ) Account # : XXXX Charged off in XX/XX/XXXX. Repeated CO marks are shown monthly from XXXX through XXXX, which is inaccurate and harmful XXXX XXXX XXXX XXXX ( XXXX accounts ) Account # : XXXX Charged off in XXXX, but both accounts continue to show monthly CO marks all the way through XX/XX/XXXX. 

Legal Basis for Dispute : Under FCRA 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report only accurate and complete information. Reporting a charge-off month after month misleads lenders, exaggerates the accounts negative impact, and falsely implies ongoing delinquent activity.

According to Metro 2 credit reporting standards, a charge-off is a one-time event, not a recurring monthly status.

Request for Immediate Action : I am requesting the following under FCRA 15 usc 1681i : A formal reinvestigation of the above accounts.

Immediate removal or correction of all repeated charge-off entries.

Written confirmation of the outcome within the legally required timeframe.

If these items can not be properly verified and corrected, they must be deleted from my credit report entirely.

Thank you for your attention and compliance. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/2025. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-07-07 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: NJ

Complaint narrative:
I sent your company a letter disputing the account number XXXXXXXX XXXX XXXX XXXX XXXX with XXXX XXXXXXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 dispute a hard inquiry that has been listed on my credit report. I did not provide any authorization, written or verbal, for this entity to access my credit information. No application was submitted by me that would warrant this inquiry.

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 2025-07-07 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 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 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 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 2025-07-07 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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

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

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
A late payment has been reported on my credit file that I believe is inaccurate. I have consistently maintained a good payment history, and my review shows no missed or late payments during the timeframe in question.

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 2025-07-07 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: GA

Complaint narrative:
I am requesting the removal of the listed fraudulent entries from my credit report in accordance with the FCRA. I expect that this issue will be addressed and resolved promptly, as the items in question are not associated with any activity I have authorized. 
Thank you for addressing this matter swiftly.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 Balance : {$3500.00}

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 2025-07-07 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: GA

Complaint narrative:
I am requesting the removal of the listed fraudulent entries from my credit report in accordance with the FCRA. I expect that this issue will be addressed and resolved promptly, as the items in question are not associated with any activity I have authorized. 
Thank you for addressing this matter swiftly.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 Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-07 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: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : Experian | P.O. XXXX XXXX, XXXX, TX XXXX Equifax | XXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion | XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate and Inconsistent Reporting - XXXX XXXX Accounts Dear Dispute Department , I am formally disputing several inaccuracies and inconsistencies related to XXXXXXXX XXXX  accounts on my credit reports. The information reported by Experian, Equifax, and TransUnion does not match, and in some cases appears duplicative or erroneous. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - Experian shows charge-off with late payments through XXXX and charge-off in XX/XX/XXXX. 
- Equifax shows late payments and charge-offs continuing into XXXX. 
- TransUnion reports no payment history at all, only charge-off as bad debt. 
- All three report different late payment dates and charge-off periods for the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - This account appears under different variations XXXX XXXX XXXX XXXX XXXX ) with inconsistent reporting across bureaus. 
- Equifax reports XXXX XXXX XXXX with charge-offs into XXXX. 
- Experian reports fewer late months and charge-off ending in XXXX. 
- TransUnion reports no detailed payment history, only charge-off. 
Requested Resolution : I request that you : - Conduct a full investigation with XXXXXXXX XXXX to verify the correct account information. 
- Provide documentation supporting the accuracy of the data. 
- Correct or delete any unverifiable or inconsistent data per the FCRA. 
I have enclosed a copy of my driver 's license and utility bill as proof of identity and address. Please confirm receipt and provide results within 30 days. 
Sincerely, XXXX XXXX XXXX Attachment : Driver 's License ( provided separately in dispute packet ) Attachment : Utility Bill ( provided separately in dispute packet ) Attachment : Credit Report Highlights ( provided separately in dispute packet )

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

Complaint narrative:
My personal information was involved in a XXXX XXXX data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute Regarding Inaccurate Information on My Credit Report\nDear Equifax,\nI am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include:\n Conducting inadequate investigations that fail to address consumer disputes properly.\n Reinserting previously disputed and inaccurate information without explanation.\n Failing to notify consumers about investigation results effectively.\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\nPlease review the inaccurate information being reported:\n1. Under the FCRA, you are required to:\n Conduct a proper investigation into my dispute.\n Inform me of the results of your investigation in a clear and comprehensible manner.\n Provide me with any documentation you rely on if the disputed information is verified as accurate.\n Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\nFurthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.\nThank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe.\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a follow-up to a prior complaint regarding an unauthorized {$160.00} charge on my Chase credit card from XXXX  company I have not authorized to charge my credit card. Chase initially acknowledged my dispute and replaced the credit card. However, weeks later, they denied the claim stating the merchant provided matching contact information. 

This justification is flawed and dangerous. Many fraudulent actors can obtain or guess basic personal info. Chase never provided documentation of my explicit consent, nor any record of service usage or contract. 

I have attached screenshots showing : Chase themselves flagged the transaction as potentially fraudulent/scam and DECLINED the transaction the first time it occurred. ( screenshot attached ) I marked the transaction as unauthorised as per chase 's link provided in their email and locked my credit card immediately after receiving the alert ( screenshot attached ) However, even after locking my credit card, the transaction went through eventually. 
I never received services or communication from XXXX. 

Despite all this, Chase allowed the charge to go through and denied my dispute without giving me a chance to submit this evidence. The previous CFPB complaint case has now closed, and I can not upload documents there. 

I request the CFPB reopen this case or treat this as a new case with full context. Please review the attached documentation and require Chase to provide legitimate proof of authorizationnot just a name/email matchbefore holding me responsible for a charge I did not make.

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

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 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 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 2025-07-07 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 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 and XXXX 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted the debt collector at XXXX XXXX to inform them that I was a victim of identity theft I also sent them a copy of the police report and I also sent them paperwork showing that I was a victim of the XXXX  data breach I also contacted all three credit bureaus with the same matter.

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