vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MI

Complaint narrative:
I have recently started monitoring my credit report as I have started a business venture and need to produce funding. Upon further review of my credit report, I see accounts that are not mine nor are they related to me. Honestly I'm not to savvy when it comes to credit as I never use it, but I should have the right to freely build and pursue my dreams and aspirations. Please remove these incorrect derogatory marks/collections for it is unconstitutional for MY credit to be tarnished without me using it and detrimental for my organization. I have XXXX marks listed on my report, I XXXX XXXX XXXX do not claim responsibility for any XXXX listings. 

Thank you

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/year>

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not only necessary, it is critical.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX DO Date XXXX XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am rejecting XXXX XXXX response. The company continues to report a {$50.00} unpaid loan as a full charge-off with collection status, which is disproportionately damaging to my credit. While they assert that I electronically signed and authorized this account, they have not provided proof of delivery of notices, validation of debt under FDCPA, or full transparency on reporting dates. 

The accounts damage is excessive for the loan amount and appears designed to penalize more than protect creditors or consumers. This could be considered abusive data furnishing under FCRA 623 ( a ) ( 1 ). 

Furthermore, their requirement that I submit ID theft documents, police reports, and ID before removing false or disputed information is unnecessary under the FCRAs Section 611, which allows consumers to dispute any item that is inaccurate, incomplete, or unverifiable. 

Intent to Sue : I am now preparing legal action under the following statutes : FCRA 623 ( a ) ( 1 ) Furnishing false or misleading information FCRA 611 Failure to properly investigate a consumers dispute FCRA 616 & 617 Willful and negligent noncompliance FDCPA 809 Failure to validate debt ( via InDebted collections ) If this tradeline is not permanently deleted from all credit reporting agencies within 15 business days, I will pursue formal legal action and seek damages for credit harm, distress, and loss of lending opportunities. I also reserve the right to escalate to the Louisiana Attorney General and a consumer protection attorney.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am rejecting XXXX XXXX response. The company continues to report a {$50.00} unpaid loan as a full charge-off with collection status, which is disproportionately damaging to my credit. While they assert that I electronically signed and authorized this account, they have not provided proof of delivery of notices, validation of debt under FDCPA, or full transparency on reporting dates. 

The accounts damage is excessive for the loan amount and appears designed to penalize more than protect creditors or consumers. This could be considered abusive data furnishing under FCRA 623 ( a ) ( 1 ). 

Furthermore, their requirement that I submit ID theft documents, police reports, and ID before removing false or disputed information is unnecessary under the FCRAs Section 611, which allows consumers to dispute any item that is inaccurate, incomplete, or unverifiable. 

Intent to Sue : I am now preparing legal action under the following statutes : FCRA 623 ( a ) ( 1 ) Furnishing false or misleading information FCRA 611 Failure to properly investigate a consumers dispute FCRA 616 & 617 Willful and negligent noncompliance FDCPA 809 Failure to validate debt ( via InDebted collections ) If this tradeline is not permanently deleted from all credit reporting agencies within 15 business days, I will pursue formal legal action and seek damages for credit harm, distress, and loss of lending opportunities. I also reserve the right to escalate to the Louisiana Attorney General and a consumer protection attorney.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Debt was paid XX/XX/XXXX. Creditor agreed to remove trade line from all bureaus After payment. It has been over a year and it is still reporting. This creditor was untruthful and has not held up to their word on a debt that was paid. I am requesting these trade lines be deleted in accordance to the agreement made on XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
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 when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/scrub>XXXX XXXX XXXX I made {$3500.00} in payments to Chase intending to pay off recent purchases. However, Chase automatically applied those payments to my loan/plan without my consent. 

Ive used this card for over a year and have never had this issue. The Chase app applied the payments to the loan by default without clearly informing me or offering an option to prioritize my regular purchases. Now I show a remaining balance of {$2100.00} which I believed had already been paid. 

Chase refuses to reallocate the funds, but I did not authorize early loan repayment. Im requesting that the payments be applied to my revolving balance as intended.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts 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 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts 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 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of Identity Theft, my official FTC Identity Theft Report reference number : XXXX including but not limited to the XXXX  XXXX  data breach, which I was personally affected by. My breach engagement number associated with XXXX  is XXXX. TransUnion has violations of my rights under the Fair Credit Reporting Act FCRA Section 604 ( 15 U.S.C. 1681b ) or exceed the reporting limits under FCRA Section 605 ( 15 U.S.C. 1681c ) 604 ( a ) : No permissible purpose to furnish or access my consumer report. 
605B : Failure to block identity theft-related information upon receipt of my FTC Identity Theft Report and supporting documents.

623 : Ongoing furnishing of inaccurate data even after being notified and provided proof.

FCRA 605B Failure to block identity theft information XXXX Disposal Rule Mishandling or insecure storage of consumer data XXXX  Privacy Rule Inappropriate data sharing XXXX  Unauthorized access to digital records

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 2025-05-22 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Bankruptcy Reporting on Credit File Dear Experian Dispute Department, I am writing to formally dispute inaccurate information appearing on my credit report issued by Experian. Specifically, I am disputing the inclusion of a bankruptcy entry that is being reported only by Experian and not by any of the other major credit bureaus. 

The bankruptcy in question is listed under my name and social security number, yet after reviewing my public records and verifying with the appropriate court, I have found no valid record of a bankruptcy filing under my name. Additionally, the fact that this entry is not reported by XXXX  or XXXX  raises serious concerns about the accuracy and validity of the information on file with Experian. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Since this bankruptcy entry is erroneous and unverifiable, I am requesting that Experian conduct a thorough investigation and immediately remove this bankruptcy entry from my credit file. 

Please find attached the following documentation to support my claim : A copy of my government-issued ID A recent utility bill to verify my current address A letter from the bankruptcy court or a public records showing they do not report to any credit agencies. 

I expect confirmation that this matter has been investigated and resolved within the XXXX period required by federal law. Please send a written response confirming the removal or the results of your investigation. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX Let me know if youd like to tailor this further for online submission or need help attaching evidence.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC
State: NM

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX I disputed an entry on my credit report with Experian regarding the following account : Creditor Name : WAYPOINT RESOURCE GROUP Account Number XXXX Despite my dispute, Experian has not removed or corrected the entry, nor have they provided any documentation validating that the debt belongs to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to receive verification of any debt reported in my name. 

Experian has not resolved or closed the disputed account within the required timeframe. 

Experian has failed to provide documentation or evidence that the debt is valid and that it belongs to me, despite my written requests. 

This unresolved and unverified entry is negatively impacting my credit score and causing me undue stress.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
While my name appears on the original lease from XX/XX/XXXX to XX/XX/XXXX, the resident ledger you provided shows no financial transactions, charges, payments, or balances attributed to me at any point during or after my lease term. 

The only party reflected as financially responsible in the ledger is XXXX XXXX, who continued residency after my departure. I was neither billed nor held liable for any amount, and there is no legal or contractual basis to report me as owing any debt. 

Reporting this to consumer reporting agencies as my debt constitutes a false and defamatory entry, and is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This account must be fully deleted from my credit report across all three major bureaus, and all collection efforts must immediately cease. If this issue is not resolved within 10 business days, I will take the following actions : File formal complaints with the FTC, and Texas Attorney General, Pursue legal action for damages under the FCRA and FDCPA, And seek full documentation through discovery to expose misreporting practices. 

I request written confirmation that this matter has been closed in my favor, and that no further attempts to collect or report this debt will be made.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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