vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate the erroneous reporting in my file and are listed on my credit report : XXXX AUTO XXXX Balance {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate the erroneous reporting in my file and are listed on my credit report : XXXX AUTO XXXX Balance {$19000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In an attempt to eliminate a number of monthly subscriptions for which I was unsure the purpose or vendor, I requested the issuer provide a new card number and delete any digital wallets or other stored information. After 2 weeks, I am still getting charged by certain services stating they are using my old card number. After contacting the issuer, I was told that they share my " account ID '' with these vendors and even if I change my card number " 10 times '' the vendor will still be able to bill me by account ID. I requested my account ID be deleted from any vendor records and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: TX

Complaint narrative:
Please conduct a full investigation of this account. See attached document for statement.

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 2025-06-09 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is do not refute my complaint by stating that XXXX XXXX I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
I trust this letter finds you well. I am writing to formally dispute the presence of a late payment reported by your organization on my credit report. I believe these late payments to be inaccurate, and I kindly request their removal in accordance with applicable laws and regulations. 
Account Information : XXXX XXXX XXXX XXXX Account Number : XXXX - Date ( s ) of Late Payment ( s ) : XX/XX/XXXX Account Information : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date ( s ) of Late Payment ( s ) : XX/XX/XXXX Account Information : XXXX XXXX - Account Number : XXXX - Date ( s ) of Late Payment ( s ) : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is do not refute my complaint by stating that XXXX XXXX XXXX I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Mississippi XXXX XXXX XXXX XX/XX/XXXX To : XXXX  / Experian / XXXX Subject : Dispute of Unauthorized Hard Inquiries on XXXX Credit Report Dear XXXX  / Experian / XXXX, I am writing to formally dispute multiple unauthorized hard inquiries that appear on my credit report. I recently reviewed my credit report for the first time and discovered inquiries that I did not initiate or authorize. 

The only hard inquiries I have knowingly and explicitly authorized are those related to XXXX XXXX or any institution affiliated with XXXX. Any other inquiries made into my credit file are unauthorized and were made without my permission. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be thoroughly investigated and removed from my credit report if they can not be verified as authorized by me. Please provide documentation that proves I gave written consent for each of these inquiries. 

I have enclosed a copy of my government-issued ID and a utility bill for identity verification. 

Please send me a written confirmation once the investigation is completed and the appropriate corrections are made. You XXXX also contact me if further information is needed. 
Also it is about XXXX different inquiries dating back to XXXX Sincerely, 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 2025-06-09 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-06-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Have been disputing fraudulent accounts in my credit file associated with JPMCB and reported to police. for ID theft.There were XXXX account reported by JPMCB since 2024 but has not been totally resolved.One account still exist and no response was mailed to me by the said company including no validation and verifiable proofs of this accounts was sent to me in response to my disputes until this writing and still existent on my file with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went out to eat at XXXX XXXX XXXX. I was on a date. We asked for desperate checks. The server charged my card for both checks. Did not see the transaction until the next day. XXXX XXXX XXXX refused to refund the other amount. XXXX Wells Fargo about this because I did not authorize the charge. Only my charge. Not my dates. XXXX sure the other receipt of the incorrect/unauthorized charge doesnt even have my signature. Wells Fargo claimed the charge was authorized when I have my receipt for my check.

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 2025-06-09 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: TX

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following XXXX inquiries : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXXXXXX Balance {$0.00} XXXX & T XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 2023

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 2025-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
There a family member with similar name apply for auto Loan long time ago, then she didnt pay for it, she now move back to her country, she used my information to apply for it.

The name on the collection letter isnt my name just same last name On the letter name was XXXX XXXX XXXX My name is That XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
I am disputing a negative credit reporting by XXXX XXXXXXXX XXXX ( XXXX ) regarding my credit card account. I was XXXX  from XX/XX/XXXX, to XX/XX/XXXX, and during that time, in-store transactions were made using the chip on my credit card. I still have the physical card in my possession, and I did not authorize or perform any of those transactions. 

I contacted XXXX to dispute the charges and explain that I could not have made them due to my incarceration. However, they told me they could not investigate or remove the charges because the chip was used and I still had the card. This is not a reasonable conclusion, as I was physically unable to shop or use my card while in XXXX 

XXXX refusal to acknowledge or investigate these transactions has caused inaccurate late payments ( 120 days ) to appear on my credit report, severely impacting my credit score. I maintain that these charges were unauthorized, and I am requesting a full re-investigation of this account.

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 2025-06-09 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: TN

Complaint narrative:
I am disputing a negative credit reporting by XXXX XXXXXXXX XXXX ( XXXX ) regarding my credit card account. I was XXXX from XX/XX/XXXX, to XX/XX/XXXX, and during that time, in-store transactions were made using the chip on my credit card. I still have the physical card in my possession, and I did not authorize or perform any of those transactions. 

I contacted XXXX to dispute the charges and explain that I could not have made them due to my incarceration. However, they told me they could not investigate or remove the charges because the chip was used and I still had the card. This is not a reasonable conclusion, as I was physically unable to shop or use my card while in XXXX 

XXXX refusal to acknowledge or investigate these transactions has caused inaccurate late payments ( 120 days ) to appear on my credit report, severely impacting my credit score. I maintain that these charges were unauthorized, and I am requesting a full re-investigation of this account.

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 2025-06-09 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: TX

Complaint narrative:
Have been disputing fraudulent accounts in my credit file associated with XXXX and reported to police. for ID theft.There were XXXX account reported by XXXX since 2024 but has not been totally resolved.One account still exist and no response was mailed to me by the said company including no validation and verifiable proofs of this accounts was sent to me in response to my disputes until this writing and still existent on my file with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
Have been disputing fraudulent accounts in my credit file associated with XXXX and reported to police. for ID theft.There were XXXX account reported by XXXX since 2024 but has not been totally resolved.One account still exist and no response was mailed to me by the said company including no validation and verifiable proofs of this accounts was sent to me in response to my disputes until this writing and still existent on my file with all credit reporting agencies.

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