vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
I am filing a complaint to formally dispute certain items listed on my credit report and request their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). This section of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report to any person or entity that does not have a permissible purpose as defined by the Act.

Upon reviewing my credit report, I have identified the following item ( s ) that appear to have been accessed or listed without my authorization or without a permissible purpose under the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
Subject : Remove the XXXX XXXX Accounts Reported by Experian Ongoing Errors and Legal Violations Remove the XXXX XXXX XXXXccounts currently reported on my Experian credit report. My name is XXXX XXXX, and I have submitted multiple disputes and reinvestigation requests regarding these accounts because of clear and serious inaccuracies. However, Experian has failed to provide any summary or documentation of the investigations, which is a direct violation of my consumer rights. I feel completely ignored, and I now demand the complete removal of these accounts from my credit report. 
The following XXXX XXXX accounts are in question : XXXX XXXXXXXX ( Partial Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain several inaccuracies, including : Incorrect opening dates Inconsistent balances compared to other bureaus False payment history, including inaccurate delinquency notations Conflicting reporting between Experian and other bureaus Marked as charge-off without any supporting documentation No update or response despite multiple formal disputes submitted I previously requested both an initial investigation and a reinvestigation due to these discrepancies. Despite this, I have not received a single summary or explanation of what Experian claims to have investigated. This ongoing silence is unacceptable and shows a lack of compliance with the law. 

Experian is violating the following federal laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to conduct a reasonable and timely investigation 15 U.S.C. 1681i ( 7 ) Failure to provide a description of the investigation after dispute 15 U.S.C. 609 ( a ) ( 1 ) ( A ) Failure to provide supporting documentation of the accounts 15 U.S.C. 1681s-2 Continuing to report unverified and inaccurate information 15 U.S.C. 1681a ( 4 ) Breach of privacy through reporting of false or unverified data Truth in Lending Act ( TILA ) : Failure to provide full and accurate disclosures about the status of these accounts, violating transparency and disclosure requirements. 

Emotional and personal impact : I am experiencing emotional distress due to the inaccurate reporting, and this is directly affecting my ability to obtain credit, housing, and peace of mind. I have followed every legal step to resolve this, yet Experian continues to ignore my valid requests. 


Attachments : Screenshots of both XXXX  XXXX accounts as they appear on Experian Copies of Experian reports showing all inaccuracies Please take this matter seriously. This situation has gone unresolved for too long, and I expect prompt corrective action.

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 2025-07-30 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: MI

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT A N D HAVE UNAUTHORIZED BANK ACCOUNTS LISTED UNDER MY NAME IN BOTH CHEXSYSTEMS AND XXXX XXXX XXXX XXXX XXXX XXXX

THESE ACCOUNTS WERE NOT OPENED OR AUTHORIZED BY ME. I DISCOVERED THESE ENTRIES AFTER BEING DENIED A CHECKING ACCOUNT AND SUBSEQUENTLY PULLING MY CONSUMER REPORTS FROM CHEXSYSTEMS AND EWS.

I H AV E ALREADY FILED A N IDENTITY THEFT REPORT THROUGH THE FTC AND HAVE SUBMITTED ALL RELEVANT DOCUMENTATION INCLUDING MY GOVERNMENT-ISSUED ID, PROOF OF ADDRESS, AND A SIGNED AFFIDAVIT OF IDENTITY THEFT. DESPITE MY EFFORTS, THE AGENCIES HAVE FAILED TO REMOVE THE FRAUDULENT AND INACCURATE INFORMATION FROM MY FILE. THIS HAS AFFECTED MY ABILITY TO OPEN A BANK ACCOUNT, RECEIVE DIRECT DEPOSIT, AND ACCESS BASIC FINANCIAL SERVICES. UNDER FCRA 605B, I AM ENTITLED TO HAVE FRAUDULENT INFORMATION BLOCKED FROM MY REPORT. I AM REQUESTING THAT THE CFPB INTERVENE AND ENSURE THESE AGENCIES AND/OR BANKS COMPLY WITH FEDERAL LISTED UNDER MY NAME IN BOTH CHEXSYSTEMS AND XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS WERE NOT OPENED OR AUTHORIZED BY ME. I DISCOVERED THESE ENTRIES AFTER BEING DENIED A CHECKING ACCOUNT AND SUBSEQUENTLY PULLING MY CONSUMER REPORTS FROM CHEXSYSTEMS AND EWS. 
I HAVE ALREADY FILED A N IDENTITY THEFT REPORT THROUGH THE FTC AND HAVE SUBMITTED ALL RELEVANT DOCMENTATION INCLUDING MY GOVERNMENT-ISSUED ID, PROOF OF ADDRESS, AND A SIGNED AFFIDAVIT OF IDENTITY THEFT.

DESPITE MY EFFORTS, THE AGENCIES HAVE FAILED TO REMOVE THE FRAUDULENT AND INACCURATE INFORMATION FROM MY FILE. THIS HAS AFFECTED MY ABILITY TO OPEN A BANK ACCOUNT, RECEIVE DIRECT DEPOSIT, AND ACCESS BASIC FINANCIAL SERVICES.

UNDER FCRA 605B, I AM ENTITLED TO HAVE FRAUDULENT INFORMATION BLOCKED FROM MY REPORT. I AM REQUESTING THAT THE CFPB INTERVENE AND ENSURE THESE AGENCIES AND/OR BANKS COMPLY WITH FEDERAL L

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 2025-07-30 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: MI

Complaint narrative:
On XX/XX/year>, I purchased a lowmileage ( XXXX miles ) engine from Used Parts for {$1700.00} ( it posted on XX/XX/year> ). When delivered, the engine was defective, heavily worn/altered, and had no serial number/VIN. The seller later admitted by email that the engine could come without serials because it was usedthis was never disclosed. My mechanic inspected it ( no installation ) and stated it can not be legally installed/registered and refused to install it.

The delivery was signed by someone at my home, only to receive the packagenot an acceptance of the engines condition.

I filed two disputes with Chase. The first was denied solely due to the delivery signature. The second included 120+ pages of evidence ( photos, emails, listing, mechanics notes ), but Chase denied it without properly addressing the documents.

I request a proper review of all evidence and an investigation into the merchants practices. This feels unfair and unlawful, and I dont want to lose this money due to a defective, misrepresented engine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
Subject : Remove XXXX  XXXX Accounts Reported by Equifax XXXX XXXX and FCRA Violations Remove immediately the following XXXX  XXXX accounts being reported by Equifax. My name is XXXX XXXX, and I have submitted multiple disputes and formal reinvestigation requests due to serious errors and inconsistencies in these records. However, Equifax has never provided me with a summary of their investigation or any proper response, which is a clear violation of my rights as a consumer. I feel completely ignored, and I now demand that these accounts be fully deleted from my credit report. 
The accounts in question are : XXXX XXXX ( Partial Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Partial Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain several inaccuracies, including but not limited to : Incorrect account opening dates Balances that do not match other credit bureaus False or manipulated payment history Conflicting reports across XXXX, XXXX, and Equifax The account is marked as charge-off without any proper validation Despite repeated disputes, Equifax continues XXXX report these accounts I have already requested an investigation and a reinvestigation, and to this day, I have not received any summary or update of what Equifax allegedly XXXX. This lack of transparency and failure to act reflects a serious disregard for federal law and for your responsibilities as a credit bureau. 

Equifax is violating the following laws : Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX Failure to conduct a proper, timely investigation XXXX XXXX. XXXX ( XXXX ) Failure to provide a description of the investigation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to supply documentation supporting the accuracy of these accounts XXXX XXXX. XXXX XXXX to report unverifiable or false information XXXX U.S.C. XXXX ( XXXX ) Violation of privacy rights by reporting unvalidated personal data Truth in Lending Act ( TILA ) : Failure to meet federal disclosure standards and provide accurate account information Emotional and Personal Harm : Due to XXXX  mishandling of this issue, I am suffering from emotional stress and mental fatigue, in addition to being denied financial opportunities and housing. I have followed every proper step, and yet Equifax continues to ignore me. 



Attached Documentation : Screenshots of both XXXX  XXXX accounts as they appear on my Equifax report Credit report pages showing discrepancies This issue has dragged on for too long. I expect an immediate resolution. I will escalate this matter further if Equifax continues to ignore its legal responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
Subject : Formal Credit Report Dispute and Request for Validation under FCRA Dear Experian, I am writing to formally dispute several inaccurate and potentially unverifiable accounts listed on my credit report. I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of any accounts that can not be properly validated with the necessary documentation. 

Specifically, I am disputing the following accounts : XXXX XXXXXXXX XXXX SS XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Potentially Negative Months XXXX XXXX 25 Potentially Negative Months Furthermore XXXX the XXXXXXXX XXXX account is being inaccurately XXXXeported as a repossession, which is factually incorrect. Enclosed is an official letter from XXXX XXXX, confirming that the vehicle in question was declared a total loss, not repossessed. 

Per the FCRA, I formally request the following : Provide a valid Forward Flow Agreement and the complete Chain of Assignment for each account listed above to validate their accuracy and legal standing. If the accounts can not be verified with original, documented proof, I demand their immediate deletion from my credit report. Please confirm your findings and any updates to my report in writing within 30 days, as mandated by the FCRA. I expect all future communications regarding this matter to be in writing. Please include an updated copy of my credit report showing the results of your investigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
Subject : Formal Credit Report Dispute and Request for Validation under FCRA Dear Experian, I am writing to formally dispute several inaccurate and potentially unverifiable accounts listed on my credit report. I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of any accounts that can not be properly validated with the necessary documentation. 

Specifically, I am disputing the following accounts : XXXX XXXXXXXX XXXX SS XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Potentially Negative Months XXXX XXXX 25 Potentially Negative Months Furthermore XXXX the XXXXXXXX XXXX account is being inaccurately XXXXeported as a repossession, which is factually incorrect. Enclosed is an official letter from XXXX XXXX, confirming that the vehicle in question was declared a total loss, not repossessed. 

Per the FCRA, I formally request the following : Provide a valid Forward Flow Agreement and the complete Chain of Assignment for each account listed above to validate their accuracy and legal standing. If the accounts can not be verified with original, documented proof, I demand their immediate deletion from my credit report. Please confirm your findings and any updates to my report in writing within 30 days, as mandated by the FCRA. I expect all future communications regarding this matter to be in writing. Please include an updated copy of my credit report showing the results of your investigation. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-07-30 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments ) be updated to paid on time according to these U.S. laws. Creditors listed below : 1 ) XXXX 2 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
These was some of my previous dispute towards the company. The amount that was place on my credit are wrong. I request immediately removal from my credit Dispute : Sincerely, XXXX XXXX XXXX XX/XX/XXXX Dispute : XXXX XX/XX/XXXX Dispute : XXXX XX/XX/XXXX Dispute : XXXX XX/XX/XXXX Dispute : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
Equifax continues to report a bankruptcy they falsely claim was verified by the XXXX XXXX XXXXXXXX in XXXX XXXX. That is false, courts do not verify or report information to credit bureaus. I personally contacted the court and confirmed this. 

Equifax also claimed XXXX verified the record, but XXXX was under a security freeze at the time. They could not have accessed anything. 

I asked Equifax to provide a letter or proof showing exactly who at the court verified this bankruptcy and when. They never answered. I am now demanding the CFPB take action. 

This violates FCRA Section 611 and has caused serious harm to me as a XXXX XXXX XXXXXXXX combat veteran. 

I uploaded Equifaxs own documents showing they claim verification from the court, but offer no proof. Either theyre lying or the court is. I want written proof or for Equifax to delete the bankruptcy immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
I am a victim of identity theft. In XX/XX/XXXX, I discovered several fraudulent accounts and hard inquiries on my Equifax credit report that I did not open or authorize. The fraudulent accounts are : XXXX XXXX {$490.00} Charge-Off ( opened XX/XX/XXXX, delinquent XX/XX/XXXX ) XXXX XXXX {$1800.00} XXXX Days Past Due ( delinquent since XX/XX/XXXX ) XXXX XXXX {$2200.00} Collection ( opened XX/XX/XXXX, delinquent XX/XX/XXXX ) I also found unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I filed an FTC Identity Theft Report ( # XXXX ) on XX/XX/XXXX and submitted disputes under FCRA 605B / 15 U.S.C. 1681c-2 demanding that Equifax block and remove these fraudulent accounts and inquiries. These accounts do not belong to me and are causing serious harm to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
XXXX XXXX {$3400.00} XXXX XXXX {$99.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: WA

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. 2025-CFPB-0002 SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief