vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: OH

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding several inaccurate and unverified accounts appearing on my credit report. These entries are seriously damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following accounts are being reported inaccurately with Late Payment notations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Late Payment Issues with these accounts : Several of these accounts are obsolete and far exceed the FCRA 7-year reporting limitation under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ). They should no longer appear on my credit file. 

The reporting creditors have failed to provide proper verification of the alleged late payments. Reporting inaccurate, outdated, or unverifiable information is a direct violation of the FCRA. 

Some accounts reflect {$0.00} balances yet are still being reported as delinquent, which is misleading and damaging to my credit standing. 

My Request : I respectfully demand that the CFPB investigate these inaccuracies and compel the credit reporting agencies and data furnishers to : Delete all obsolete accounts beyond the 7-year reporting limit. 

Remove all unverifiable and inaccurate late payment notations. 

Provide me with written confirmation of the actions taken.

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 2025-09-21 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: TX

Complaint narrative:
Experian was notified by certified, notarized letter ( attached ) that there are unauthorized inquiries appearing on my credit report. The specific inquiries in dispute are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, there are unverified accounts being reported that violate the Fair Credit Reporting Act ( FCRA ). These accounts were disputed in writing through a certified letter using Metro 2 format, yet they continue to report inaccurately. The disputed accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts must either be properly verified with supporting documentation or deleted immediately in compliance with the FCRAs requirement to ensure maximum possible accuracy. Experians failure to act on my prior certified dispute letters constitutes willful noncompliance. I am demanding the removal or correction of these inquiries and accounts without further delay.

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 2025-09-21 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-21 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: NY

Complaint narrative:
I am writing to formally dispute certain credit inquiries that appear on my credit report and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
The inquiries in question were performed without my informed authorization or were represented to me as soft inquiries, which would not impact my credit profile. Contrary to these assurances, these inquiries were recorded as hard pulls, negatively affecting my credit score. 

The inquiries I am disputing are as follows : XXXX XXXX XX/XX/year> Transunion XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXXXXXX Experian XXXX Experian I did not authorize a hard credit inquiry for the stated purpose, and this constitutes a misleading practice under the FCRA.

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 2025-09-21 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TN

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  closed my account and sent my balance to a collection agency. XXXX XXXX XXXX is the collection agency that had my debt. As of XX/XX/XXXX, I made a one-time payment satisfying the balance and the account has been paid in full. When I reached out to XXXXXXXX XXXX, they stated that the account was closed, and they couldn't speak to me about this account. 90 days passed and my account was still not updated. Then I filed a complaint against XXXX XXXX XXXX. After filing the complaint, they finally sent me letter showing a XXXX balance. On my credit report it still shows a balance of {$1100.00} and shows its delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Hi, Im authorizing this complaint on my behalf I cant believe you guys are taking advantage of me. im very upset with the credit girls taking so long to remove and delete these accounts

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 2025-09-21 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: GA

Complaint narrative:
Hi, Im authorizing this complaint on my behalf I cant believe you guys are taking advantage of me. im very upset with the credit girls taking so long to remove and delete these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I contacted Chase bank to file a claim against a merchant for {$2700.00}. The person filing the claim told me that a temporary credit would be applied to my account. After two days, I checked the account and there was no credit applied. I went to the section of the app to track claims and had a message from Chase saying, in writing, that I would have the credit applied to my account within 4 days. They have not honored this and the money is still not been applied as promised in writing from Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
I bought a chair from XXXX on XX/XX/year>. Around the first week of XX/XX/year> at the chair broke. I reached out to XXXX for a resolution. We decided on a 60 % refund. I let them know that my card was canceled that I had originally made the purchase on. I alerted XXXX and my bank of this. XXXX transferred the money to my bank and said that it went through successfully sent me authorization number and everything. Chime is claiming they never received the money it never went through the account was closed and it was sent back to them. It never went in my bank account and it was never returned to XXXX according to both sides. chime refused to even let me open up dispute for 2 weeks for my missing money. Someone at chime pocketed my {$140.00}. I have made over 80 calls to chime to try to resolve this dispute and they just keep hanging up on me and transferring me and telling me I am wrong to keep harassing XXXX for it. I sent them a letter from the CEO of XXXX stating they return the money and I need to reach out to hire people because they have stolen the funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America put all of my accounts in credits only status. After many phone calls, bank visits, and efforts to get reasoning- the bank denied to provide any 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 2025-09-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened a business account for XXXX XXXX, XXXX on XX/XX/year>, with the help of XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) at your branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and I was then sent an email later that day stating, Im glad we had a chance to discuss your home lending needs. 

I then responded to this email on XX/XX/year>, and XX/XX/year>, wherein I attached a copy of CFPB Complaint XXXX and asked the following two questions : 1 ) Can you please look at the attachment? Im wondering how the process would be different if I was buying a home and the purchase also involved my Chase accountit would be different because I would have to sign a mortgage contract and hire an agent? 

2 ) When I came in to open the business account did you use the information, I provided to initiate a mortgage application and thats why you followed up with home purchase info? 

I later spoke with XXXX via phone, and she was unable to answer these questions and so I sent the following question to JP Morgan via the CFPB Portal ( See CFPB Complaint XXXX ) : 3 ) Will future transactions involving home rental or purchase be authorized by JP Morgan same day that the other party requests proof of funds as was done in the case involving CFPB Complaint XXXX? 

I then received a phone call on XX/XX/year>, from XXXX claiming to be from JP Morgan requesting time to do additional research. 

As a result, I researched the matter further and found that an agent requested proof of funds on XX/XX/year>, for a transaction involving home rental or purchase. Unlike the case involving CFPB Complaint XXXX, in this case, JP Morgan declined to authorize the requested proof of funds. Instead, XXXX XXXX ( XXXX XXXX XXXXXXXX ) sent an email stating : Thank you for speaking with me! Below is my direct contact information. Should you decide to not pay cash for the home and purchase with a mortgage, please respond to this email or give me a call and I can finish your pre-approval and send the letter your agent would need to make an offer. 

As a result, my question to JP Morgan currently is : 1 ) Would JP Morgan have sent the proof of funds on XX/XX/year>, like they did around XX/XX/year>, if the funds were sitting in my checking account at the time of request rather than sitting in my investment account or would I be required to sign a mortgage contract, nonetheless?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: OH

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 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: MI

Complaint narrative:
I am filing this formal complaint against multiple creditors and furnishers who are reporting inaccurate, incomplete, and unverifiable information on my credit reports. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 604, 606, 609, 611, and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated efforts to dispute these items directly with the credit reporting agencies, the information remains, damaging my creditworthiness and causing ongoing financial harm. I demand immediate investigation into these accounts and full enforcement of my consumer rights under federal law. 

The following accounts are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Status : Charge-off Issue : This account is being inaccurately reported as a charge-off without proper validation or proof of ownership. No original contract or signed agreement has been provided. 

XXXX XXXX Bank Account : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Status : Charge-off Issue : Reported incorrectly and without documentation. This furnisher has failed to validate the debt in compliance with FCRA and FDCPA requirements. 

XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Issue : Reporting late payments on a closed/XXXX balance account is inaccurate and misleading. 

XXXX ( Multiple Accounts ) Account Numbers : XXXXXXXX XXXX XXXX, Opened XXXX Balances : {$570.00} {$3500.00} Status : Late Payments Issue : These duplicate accounts are being reported multiple times with varying balances and dates, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) for reporting information known to be inaccurate. Additionally, these accounts are obsolete, as they are more than 7 years old, and must be permanently deleted from my reports. 

Violations & Harm : Reporting outdated, duplicate, and unverifiable information.

Failure to properly validate debts upon dispute. 

Continuing to furnish obsolete accounts beyond the 7-year reporting period. 

Causing substantial damage to my credit profile, preventing me from accessing fair credit opportunities. 

Requested Resolution : Immediate investigation into the above-listed accounts. 

Removal of all inaccurate, unverifiable, and obsolete information from my credit reports with XXXX Equifax, and XXXX. 

Written confirmation from all parties once these corrections are made. 

Enforcement action against furnishers who continue to violate federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: NY

Complaint narrative:
I am writing to formally dispute certain credit inquiries that appear on my credit report and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
The inquiries in question were performed without my informed authorization or were represented to me as soft inquiries, which would not impact my credit profile. Contrary to these assurances, these inquiries were recorded as hard pulls, negatively affecting my credit score. 

The inquiries I am disputing are as follows : XXXX XXXX XX/XX/year> Transunion XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXXXXXX Experian XXXX Experian I did not authorize a hard credit inquiry for the stated purpose, and this constitutes a misleading practice under the FCRA.

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