vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX  Subject : Urgent Dispute, Legal Notice, and Demand for Removal of Unverified Negative Accounts within 4 Days XXXX XXXX Dear XXXX  Dispute Department, I am writing to formally dispute the accuracy and verifiability of certain negative entries reported on my credit file. I am aware of the recent legal violations regarding improper reporting and failure to verify consumer data under federal law. Specifically, * * 15 U.S. Code 1681c-2 * * and * * 15 U.S. Code 1681o * * require that all negative credit information be accurate, verifiable, and legally substantiated. Based on your own records, the following accounts can not be verified with proper documentation, including a liquid signature, and are therefore unsubstantiated. Accordingly, I demand the immediate, removal of these accounts from my credit report XXXX XXXX XXXX JPMCB XXXX XXXX. Chase {$6200.00}, XXXX bank XXXXXXXX XXXX XXXX XXXX {$480.00}. XXXX  XXXX {$2200.00}. This serves as a formal legal notice and demand for the * * immediate * * deletion of these unverifiable negative accounts. You are legally obligated to cease and desist from reporting any unverified negative information * * within four ( 4 ) days * * of receipt of this letter. Failure to comply within this timeframe will compel me to pursue legal remedies for negligence and violations of my consumer rights, as well as seek damages, pursuant to the relevant federal laws. Please confirm in writing once these accounts have been removed from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am formally notifying you under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand XXXX XXXX XXXX XXXX XXXX immediately cease all communication with me regarding the above-referenced account. 
I dispute the validity of this alleged debt. 
You are hereby instructed to cease all telephone calls, mailed notices, emails, or other forms of communication to myself, my family, or any third party.

If you believe you may continue collection, your only legal option is to provide written notice of any specific remedies you intend to pursue, consistent with the FDCPA. 

Any further contact outside of those permitted exceptions will constitute a violation of federal law, subjecting you to civil liability and damages under 15 U.S.C. 1692k.

This letter serves as your official notice. Govern yourself accordingly.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally notifying you under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand XXXX XXXX XXXX XXXX XXXX immediately cease all communication with me regarding the above-referenced account. 
I dispute the validity of this alleged debt. 
You are hereby instructed to cease all telephone calls, mailed notices, emails, or other forms of communication to myself, my family, or any third party.

If you believe you may continue collection, your only legal option is to provide written notice of any specific remedies you intend to pursue, consistent with the FDCPA. 

Any further contact outside of those permitted exceptions will constitute a violation of federal law, subjecting you to civil liability and damages under 15 U.S.C. 1692k.

This letter serves as your official notice. Govern yourself accordingly.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-26 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: FL

Complaint narrative:
I have repeatedly disputed inaccurate and unverifiable accounts with Experian, Equifax, and TransUnion. Despite my disputes, several accounts remain reported without proper validation in violation of the Fair Credit Reporting Act ( FCRA 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). 

On XX/XX/year>, Equifax issued dispute results ( Confirmation # XXXX ). While one collection account ( XXXX XXXX XXXX ) was deleted, other accounts were verified without proof, including : XXXX XXXX {$2600.00}, still reported as open/collection. 
XXXX XXXX / XXXX XXXX {$990.00} debt buyer account, unverifiable. 
XXXX XXXX  {$560.00} charged-off credit card, continues reporting. 
XXXX  XXXX Closed/paid account still reporting negative status. 

These furnishers have not provided contracts, statements, or validation to support their reporting, yet the bureaus continue to publish these items. This is inaccurate, misleading, and damaging to my credit standing. 

I request that the CFPB investigate these violations, compel the deletion of unverifiable accounts across all three bureaus, and ensure that furnishers provide documented proof of account ownership and accuracy before continuing to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I have repeatedly disputed inaccurate and unverifiable accounts with Experian, Equifax, and TransUnion. Despite my disputes, several accounts remain reported without proper validation in violation of the Fair Credit Reporting Act ( FCRA 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). 

On XX/XX/year>, Equifax issued dispute results ( Confirmation # XXXX ). While one collection account ( XXXX XXXX XXXX ) was deleted, other accounts were verified without proof, including : XXXX XXXX {$2600.00}, still reported as open/collection. 
XXXX XXXX / XXXX XXXX {$990.00} debt buyer account, unverifiable. 
XXXX XXXX  {$560.00} charged-off credit card, continues reporting. 
XXXX  XXXX Closed/paid account still reporting negative status. 

These furnishers have not provided contracts, statements, or validation to support their reporting, yet the bureaus continue to publish these items. This is inaccurate, misleading, and damaging to my credit standing. 

I request that the CFPB investigate these violations, compel the deletion of unverifiable accounts across all three bureaus, and ensure that furnishers provide documented proof of account ownership and accuracy before continuing to 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 2025-09-26 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: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated 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 2025-09-26 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 am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question includes XXXX XXXX XXXX XXXX & XXXX XXXX confirmed would be removed but remains on my report ; it is an identity theft related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
These entries are not associated with me and should be cleared within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX Bank XXXX on my credit report, which contains inaccurate information and is negatively impacting my credit profile. 
Creditor : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} XX/XX/year> 30 days late XX/XX/year> 60 days late XXXX 90 days late I dispute the accuracy of the reported late payments and the account balance. 
I have attempted to resolve this issue directly with XXXX Bank XXXX, but the account continues to be reported incorrectly.The inaccurate reporting is causing financial harm, including affecting my creditworthiness and access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX Bank XXXX on my credit report, which contains inaccurate information and is negatively impacting my credit profile. 
Creditor : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} XX/XX/year> 30 days late XX/XX/year> 60 days late XXXX 90 days late I dispute the accuracy of the reported late payments and the account balance. 
I have attempted to resolve this issue directly with XXXX Bank XXXX, but the account continues to be reported incorrectly.The inaccurate reporting is causing financial harm, including affecting my creditworthiness and access to credit.

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 2025-09-26 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 this complaint regarding two accounts reported as charge-offs on my credit report that contain inaccurate or misleading information, negatively impacting my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$660.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} I dispute the reporting of these accounts as charge-offs, as the balances and account status do not accurately reflect my actual obligations. I have attempted to resolve these discrepancies directly with the creditors, but the inaccuracies remain on my credit file. 
These incorrect entries are affecting my creditworthiness and may limit my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding two accounts reported as charge-offs on my credit report that contain inaccurate or misleading information, negatively impacting my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$660.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} I dispute the reporting of these accounts as charge-offs, as the balances and account status do not accurately reflect my actual obligations. I have attempted to resolve these discrepancies directly with the creditors, but the inaccuracies remain on my credit file. 
These incorrect entries are affecting my creditworthiness and may limit my ability to obtain credit.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BLOOMINGDALES/CITIBANK a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BLOOMINGDALES/CITIBANK 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 2025-09-26 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 not responsible for these accounts ; remove them within 15 days following USC 1681g provisions.

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 2025-09-26 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 this complaint regarding multiple accounts reported on my credit report that contain inaccuracies. These discrepancies are negatively impacting my credit profile and need correction.XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXXXXXX XXXX Opened : XX/XX/year> I dispute the reporting of these accounts as they do not accurately reflect my payment history and account status. 
I have attempted to resolve these discrepancies directly with the creditors, but the inaccuracies remain on my credit file.These incorrect entries are causing potential financial harm, including affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple accounts reported on my credit report that contain inaccuracies. These discrepancies are negatively impacting my credit profile and need correction.XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXXXXXX XXXX Opened : XX/XX/year> I dispute the reporting of these accounts as they do not accurately reflect my payment history and account status. 
I have attempted to resolve these discrepancies directly with the creditors, but the inaccuracies remain on my credit file.These incorrect entries are causing potential financial harm, including affecting my creditworthiness.

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 2025-09-26 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: OR

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief