vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-11-25 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
Please regard this as my official request to dispute the referenced accounts. They are not connected to me, and I did not authorize them. I kindly ask for their prompt deletion and a full review. Supporting evidence is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-25 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-25 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and the credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my consumer credit reports. Despite my prior disputes, these items continue to appear without proper validation or correction, placing me under unwarranted harm. I am requesting the CFPBs immediate intervention. 

XXXX. Wrong Address Reporting ( Identity Mismatch ) The following address is being reported on my credit file, but I have no connection to this address : XXXXXXXX XXXX XXXXXXXX, CT XXXX Wrong Address This inaccurate address raises identity and file-mixing concerns, violating the FCRAs requirement for maximum accuracy under 15 U.S.C. 1681e ( b ).

I demand full removal of this incorrect address from all credit reports. 

XXXX. Charge-Off Account Reported Without My Knowledge ( Request Deletion ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Status : Charge Off I have no knowledge or record of this account. The furnisher has failed to provide actual documentation, violating FCRA 1681i ( a ) and 1681s-2 ( b ). 
I request complete deletion of this account from my credit file. 

XXXX. Incorrect Late Payment Reporting ( Request Correction Only ) AM XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment This late payment history is factually incorrect. I have never made a late payment on this account, yet the furnisher continues reporting inaccurate derogatory marks. 
I am requesting correction of the payment history, not account deletion. 

XXXX. Collection Accounts I Do Not Recognize ( Request Deletion ) I have no knowledge whatsoever of the following collection accounts, and the furnishers have failed to establish ownership, liability, or provide any original signed documentation : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Collection I dispute these accounts in their entirety. 
Under FCRA 1681i, the credit bureaus must delete information that can not be verified.

I demand immediate deletion of all three accounts.

Requested Action from CFPB I respectfully request that the XXXX : Investigate the furnishers and CRAs for failure to report with maximum accuracy. 

Require deletion of : Wrong addresses All charge-off and collection accounts I have no knowledge of Require correction of : XXXX XXXX XXXX late payment reporting Require furnishers to provide proper validation or remove all disputed items. 

These inaccuracies have harmed my credit, affected my financial stability, and violate multiple provisions of the FCRA. 

Thank you for your attention. I request written confirmation of all findings and actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my Experian credit report. I believe these errors are in violation of the Fair Credit Reporting Act ( FCRA ), and I am concerned that a data breach may have occurred as the information reported does not match the details from my creditors. 
Disputed Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX * * * * * * * o Balance : {$1400.00} o Account Status : Collection/Chargeoff o FCRA Violations : The status of this account should be marked as closed, not open. 
o Potential Data Breach : Inconsistent reporting may indicate unauthorized access to my information. 
XXXX. XXXX XXXX XXXX Account Number : XXXX * * * * * * o Balance : {$29000.00} o Account Status : Open o FCRA Violations : Late payments reported on an open account that were never missed. 
o Potential Data Breach : The mismatch in data suggests potential unauthorized access. 
XXXX. XXXX XXXXXXXX o Account Number : XXXX * * * * * * * o Balance : {$21.00} o Account Status : Open o FCRA Violations : Missing information regarding the payment status. 
o Potential Data Breach : The discrepancies suggest a possible issue with data security. 
XXXX. XXXX XXXX, XXXX o Account Number : XXXX * * * * * * * * o Balance : {$4200.00} o Account Status : Open o FCRA Violations : The account should not be marked as late for more than 120 days. 
o Potential Data Breach : Errors in the reporting suggest unauthorized access or manipulation. 
XXXX XXXX XXXX XXXX  o Account Number : XXXX * * * * * * o Balance : {$300.00} o Account Status : Collection/Chargeoff o FCRA Violations : The account should be closed as the balance was paid. 
o Potential Data Breach : Possible data manipulation that needs to be investigated.

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 2025-11-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I spoke to chase about a business account to settle a business debt. It was roughly XXXX XXXX I asked if there is anything they can do to help because my business went out of business and this business debt would be hard for me to pay out of pocket. They said they could settle the debt with me for about 90 %. So they would write off 10 % as a settlement. I asked how this impact my credit score and they said it wont show up as anything else except for a closed account and debt paid. I made sure to tell them that I dont want this to negatively impact my credit score and they assured me it wont. 

3 months later and my credit score dropped XXXX points from XXXX to XXXX. I want to buy a house in XXXX with my wife and newborn child on the way. 

They lied to me and if I had known this would basically destroy my chance of buying a house I would have found a way to pay the other 10 %. Evil malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ TRUIST ] Account Number : [ 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 2025-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC
State: AE

Complaint narrative:
Loan Depot approved our loan modification in XXXX, and we made trial payments for XXXX months, starting in XXXX we made our first payment ( now that payment in suspense ) Then they transferred our loan to XXXX XXXX and now our interest rate may increase. They didn't send any notice about withdrawing the modification, leaving us uncertain. XXXX XXXX is trying to help, but we're stuck in limbo, tracking everything, and its causing us financial stress. We're moving in XXXX months, and the situation with Loan Depot has been very stressful and filled with misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank illegally assigned a XXXX XXXX account ending in XXXX to Portfolio Recovery and Portfolio Recovery is continuing to report this inaccurate, unverifiable information reporting this debt as assigned to their agency on XX/XX/XXXX I filed in bankruptcy court a XXXX XXXX XXXX the month before on XX/XX/XXXX. This is a clear violation of the bankruptcy law. Creditors arent allowed to contact persons who have filed bankruptcy neither can they attempt to collect a debt once they have been notified that the debt has been included in bankruptcy. When this is done it defeats the purpose and is a travesty of the legal system. 
The fact that this debt was dismissed in bankruptcy has nothing to do with my rights being violated while I was in bankruptcy. 
The account that appears on my Experian and Equifax credit reports by XXXX XXXX ends in the last XXXX numbers XXXX. 
This account should be deleted immediately because when this account was assigned in XX/XX/XXXX It was a blatant bankruptcy violation and the date reporting Assigned was assigned under false pretenses because I was in bankruptcy at the time. 
Additionally, XXXX and or Citibank XXXX the debt as it should not be reporting on my credit report. Portfolio Recovery continues to verify my disputes regarding REAGING and I will may be forced to seek legal representation for willful non compliance in accordance with with 15 U.S. Code 1681n - Civil liability for willful noncompliance. Citibank knew at the time that I was in bankruptcy and still assigned or sold this debt in the interim which is illegal. Delete this debt immediately from XXXX XXXXXXXX XXXX or any other credit reporting agency that it appears.

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 2025-11-25 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: FL

Complaint narrative:
I am writing to dispute certain inaccuracies on my Equifax credit report. I believe these discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I have concerns that a data breach may have occurred, as the reported information does not match my records or the records provided by my creditors. 
Disputed Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX * * * * * * * o Balance : {$1400.00} o Account Status : Collection/Chargeoff o FCRA Violations : The status should be marked as closed rather than open. 
o Potential Data Breach : The discrepancy in account information suggests a possible breach. 
XXXX. XXXX XXXX XXXX Account Number : XXXX * * * * * * o Balance : {$29000.00} o Account Status : Open o FCRA Violations : Incorrect reporting of late payments on an open account. 
o Potential Data Breach : The mismatch of data points could indicate unauthorized access to my credit information. 
XXXXXXXX XXXX XXXXXXXX o Account Number : XXXX * * * * * * * o Balance : {$21.00} o Account Status : Open o FCRA Violations : Missing payment details and incorrect reporting of the account status. 
o Potential Data Breach : Errors in the reporting indicate possible data manipulation. 
XXXX. XXXX XXXX, XXXX o Account Number : XXXX * * * * * * * * o Balance : {$4200.00} o Account Status : Open o FCRA Violations : The account is inaccurately marked as delinquent beyond 120 days. 
o Potential Data Breach : The errors in reporting could point to unauthorized access to my data. 
XXXX XXXX XXXX XXXX o Account Number : XXXX * * * * * * o Balance : {$300.00} o Account Status : Collection/Chargeoff o FCRA Violations : Account should be marked closed due to payment status. 
o Potential Data Breach : Possible unauthorized access to my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
In XXXX of XXXX  a hard inquiry was submitted by XXXXXXXX XXXX XXXXl on my TransUnion credit report although I never authorized them to run my credit. On XX/XX/XXXX of XXXX  I disputed this situation with TransUnion, Fast Forward to XX/XX/XXXX the hard inquiry is still reporting on my credit report although it was never authorized.

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 2025-11-25 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: NC

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
please all attached documents. This collector was notified and confirmed reciept by certified mail on XX/XX/year>. The place this information on my credit file on XX/XX/year> without responding to my request of debt validation. Dunning letter as you will see attached said I could write and request such by XX/XX/year>. This is false and misleading any one knows if they recieved my request on XX/XX/year> that wasn't enough time to provide me with any proper notification of any request I made I'm in Texas they are in Virginia.

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