vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this letter as my XXXX  formal request for Equifax, Experian and TransUnion to repair the multiple late-open account inaccuracies that continue to appear on my credit report. Despite several rounds of disputes, these same errors remain unchanged, and I am once again asking Equifax, Experian and TransUnion to reinvestigate these accounts in accordance with the standards of accuracy, completeness, and verifiability required under the Fair Credit Reporting Act, including the obligations set forth under FCRA Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These repeated discrepancies misrepresent my payment history and create a misleading impression of my financial behavior, which is why I must continue to request a thorough and detailed review. 
XXXX XXXX XXXX * * Balance Owed : {$250000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX * Balance Owed : {$12000.00} XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting this letter as my fifth formal request for Equifax, Experian and TransUnion to correct multiple inaccuracies appearing on my credit report, specifically regarding charge-off accounts. Despite several prior dispute attempts, these accounts remain inaccurately reported, and I am requesting a thorough reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These discrepancies misrepresent my payment history and create a misleading impression of my creditworthiness, which makes a detailed and careful review essential. 
XXXX XXXX Balance XXXX, XXXX XXXX XXXX Balance XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX, Inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-11-25 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: KS

Complaint narrative:
I have been disputing all four of my XXXX XXXX accounts for over a year, and TransUnion has ignored and refused to reinvestigate the illegal information that XXXX XXXX is reporting.

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 2025-11-25 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-25 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: UT

Complaint narrative:
I am submitting a second-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several items remain unresolved, inaccurately reported, or unverifiable. These errors misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. The accounts in question include XXXX ending in XXXX with a balance of {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX with a balance of {$620.00}, XXXX XXXX ending in XXXX with a balance of {$760.00}, XXXX XXXX XXXX  XXXX ending in XXXX XXXX a balance of {$840.00}, XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX of {$0.00}, XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX of {$640.00}, XXXX ending in XXXX with a balance of {$0.00}, XXXX ending in XXXX with a balance of {$0.00} XXXX XXXX ending in XXXX with a balance of {$0.00} XXXX XXXX ending in XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX original creditor XXXX XXXX XXXX ) ending in XXXX with a balance of {$460.00}, XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX ) ending in XXXX with a balance of {$430.00}, XXXX ending in XXXX with a balance of {$370.00}, and XXXXXXXX XXXX  ( original creditor XXXX XXXX XXXX ) with a balance of {$150.00} XXXX These accounts, associated with addresses including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT ; XXXX XXXX XXXX XXXX XXXX XXXX, UT ; XXXX XXXX XXXX XXXX, XXXX, WA ; and XXXX XXXX XXXX, XXXX, UT, are inaccurately reported in ways that distort my payment history and overall 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 non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$1600.00}

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 2025-11-25 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: FL

Complaint narrative:
This is a fraudulent charge from a fraudulent XXXX  no-name rental car company. The charge is illegal under both XXXX  and XXXX XXXX. 

1 ) No evidence of actual damage.

2 ) No claim made until after the car wars returned and papers signed ( illegal ). 

Chase was given all the information beyond a reasonable doubt. I am enrolled in PAPERLESS communication. Instead of processing the dispute correctly, they sent a meaningless generic form letter by paper mail and failed to process the dispute.

They were given all details multiple times.

This illegal behavior both on the part of the merchant and on the part of Chase.

FURTHERMORE, if there was a legitimate damage claim CHASE INSURANCE WOULD BE REQUIRED TO COVER IT. CHASE XXXX XXXX XXXX COVERS THIS CARD. 

The merchant did not provide any of the required documents to evaluate damages or make an insurance claim as required by law : estimate, full documentation, repair receipt. NONE, ZERO

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: DE

Complaint narrative:
I am submitting this letter as my third formal dispute regarding inaccuracies appearing on my Equifax and Experian credit report. After careful review, I have identified two items that are being reported incorrectly, which misrepresent my financial and personal information. These inaccuracies must be addressed and corrected under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) to ensure my credit report reflects accurate, complete, and verifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: UT

Complaint narrative:
I am formally submitting a dispute regarding the reporting of my XXXX account ending in XXXX, which currently shows a balance of {$0.00} on my credit report. Upon review, I believe this account may be inaccurately or incompletely reported, which misrepresents my credit history and financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy, and 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 filing a complaint against XXXX XXXX for : Contradictory and deceptive statements by the same employee, Failure to correct inaccurate credit reporting, Failure to properly process my dispute, Crediting funds to a CLOSED account, Refusing to return those funds to me, and Failing to comply with the Fair Credit Reporting Act and basic consumer refund obligations. 

I have attached multiple screenshots showing clearly inconsistent statements from the same XXXX XXXX employee ( XXXX ). 

The employee stated in writing that once the investigation was complete and the disputed transaction was approved, XXXX XXXX would : submit a request to the credit bureaus to remove the delinquency from your credit report. 
credit the account waive improper monthly membership fees proceed with closing the account if I chose They acknowledged the dispute, stated the credit would remain if approved, and directly tied dispute approval to fixing the negative reporting they caused.

The same employee later states : They can not remove the charged-off status They will adjust the amount but refuse to correct the reporting They are continuing to furnish negative data despite knowing the dispute was approved This is a direct contradiction and clearly misleading.

The same employee confirmed that : My dispute was approved The credit was issued They posted the refund to a CLOSED account This is unacceptable on multiple levels : 1. I can not access funds deposited to a closed account.

2. No refund was provided to me, despite acknowledgement that I was owed the money.

3. This constitutes improper handling of consumer funds.

4. I explicitly requested that the account be closed, and they still credited the refund to that inaccessible account.

5. They are now refusing to return the funds to me unless additional steps are taken after THEY made the error.

This behavior is deceptive, negligent, and financially harmful. 

XXXX XXXX actions violate : FCRA 1681s-2 ( a ) Furnishing accurate information FCRA 1681s-2 ( b ) Reasonable investigation of disputes FCRA 1681e ( b ) Maximum possible accuracy UDAAP Unfair, deceptive, or abusive acts or practices Basic refund obligations under consumer protection law Improper handling of credited funds for a closed 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 2025-11-25 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
5. XXXX XXXX XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-11-25 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing this complaint because Credit Acceptance Corporation ( XXXX  ) has continued collection activity, threats of enforcement, and attempts to enforce an invalid security interest, despite receiving a formal written Cease and Desist Notice. The account itself stems from a fraudulent auto sale, and Credit Acceptance is legally liable as the assignee of that fraudulent retail installment contract. Under FDCPA ( 15 U.S.C. 1692c ( c ) ), once a cease and desist is issued, a creditor/collector may not continue : Collection calls Threats Deficiency attempts Repossession threats Enforcement attempts XXXX  violated this rule by continuing to process or attempt collection after notice was legally served.

B. XXXX  Is Attempting to Enforce an Invalid or Fraudulent Contract Your cease and desist states the originating dealership : Filed bankruptcy for fraudulent sales Making the retail installment contract voidable Under OCGA 23-2-51 ( fraud as grounds for rescission ) The dealership and XXXX  failed to follow the lien procedures required under OCGA 40-11-1, making the lien invalid. XXXX  can not enforce or threaten sale under an invalid lien.Extortion Attempt OCGA 16-8-16 Threatening deficiency balances, sale, or continued collection on a fraudulent and voidable contract constitutes an unlawful and coercive attempt to obtain money, as noted in the cease and desist.

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