vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : 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

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 2025-10-13 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:
My information was exposed in the equifax data breach. I recently reviewed my credit report and noticed many fraudulent accounts that do not belong to me or incorrectly reported. The closed accounts also on my report should be reviewed as well. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Some related unauthorized inquiries are XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please refer the attachments uploaded.

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 2025-10-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. CXX/XX/XXXXe XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. CXX/XX/XXXXe XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. CXX/XX/XXXXe XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. CXX/XX/XXXXe XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Request for Explanation & Reconsideration Account Closure Dear Chase Executive Office / Compliance Team, I hope this message finds you well. I am writing to formally request a clear and written explanation for the abrupt closure of my Chase checking account after over 20 years of loyal banking and business relationship without any prior notice, warning, or explanation.

Because of this action : I have been unable to operate my business online ( even as vendor deposits continue to arrive at the closed account ).

I have had to visit the bank daily in person to withdraw funds so I can deposit them into a new account.

Automatic credit card payments and other scheduled transactions were rejected, making me appear unreliable to other financial institutions.

My reputation with banks, my business credibility, and possibly my credit standing are being severely affected through no fault of mine.

In light of my long history with Chase and my previously impeccable record, I respectfully demand : A detailed written explanation of the reason ( s ) for closing my account.

The specific criteria or policies invoked in this decision.

Whether there is a formal review or appeal process by which this closure can be reconsidered.

Steps I may take to restore my account or business relationship with Chase.

I trust that Chase values its relationships with longstanding customers, and I hope you will address this matter with the urgency and transparency it deserves. Please respond to me in writing as soon as possible.

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX | ( XXXX ) XXXX ________________ I am trying to send this email to chase... I called them and they dont have any information in where to send a request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Over the past year, LVNV Funding LLC has repeatedly attempted to collect debts that are not mine by placing them with multiple third-party collection agencies. I have never held accounts with the banks in question ( XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ), and none of these alleged debts appear on my credit reports.

Each time, I disputed the debts and requested validation. The documentation provided by collectors confirmed that the debts belong to a different individual, with mismatched personal identifiers including address, phone number, email, and even Social Security number. Despite this, LVNV Funding continues to reassign the same false debts to new agencies. 

On XX/XX/year>, I sent certified cease & desist letters to all collectors involved, as well as a master cease & desist and dispute letter to LVNV Funding, demanding that they update their records and stop further collection activity. These letters were received, but LVNV Funding never provided the required written confirmation. Instead, they have now placed the same disputed debt with yet another agency, Resurgent Capital Services, continuing the harassment.

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and demonstrates a willful failure to correct their records after being provided with clear evidence that I am not the debtor. In addition to the stress and wasted time, I have already incurred {$27.00} in certified mail costs to dispute and stop these false collection attempts, further compounding the unnecessary burden caused by LVNV Fundings repeated misidentifications.

I am requesting that the CFPB require LVNV Funding to permanently cease all collection activity against me, update their records to prevent further placements, and confirm closure of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
b'Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit\nreport under Section 605B of the Fair Credit Reporting Act.\nThe specific information I am disputing is as follows:\nFRAUDULENT ACCOUNTS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFRAUDULENT INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-13 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: CA

Complaint narrative:
I hereby dispute the reporting of items tied to accounts not opened by me. Please carry out a comprehensive investigation and eliminate them. Relevant documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
XXXX  own XX/XX/XXXX letter confirmed that the account ending in XXXX was submitted for deletion with all credit bureaus. In its XX/XX/XXXX CFPB response ( Case # XXXX ), XXXX attempted to clarify that the deletion request was for account XXXX, but also admitted that the delinquency associated with account XXXX must be removed.

Despite these admissions, [ Experian / TransUnion / Equifax ] continues to report the XXXX account ending in XXXX with derogatory late payments from XXXX and XX/XX/XXXX. TransUnion even claimed on XX/XX/XXXX that XXXX verified the account as accurate, which directly contradicts XXXX  own written statements. 

This is inaccurate, misleading, and harmful. Because of this false reporting, I have been denied credit and subjected to higher loan costs. I am entitled to a fair and accurate credit report under the Fair Credit Reporting Act ( FCRA ). I need the CFPB to get involved. Because this is not right.

Violations : FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to properly reinvestigate disputed information within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information.

FCRA 611 ( a ) ( 7 ) : Failure to provide the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported hard inquiries on my credit file that I did not initiate or authorize. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is related to a firm offer of credit.

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these inquiries without proof of a permissible purpose or documented consentsuch as my signed authorizationis unlawful and must be addressed.

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 2025-10-13 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: Block, Inc.
State: CA

Complaint narrative:
XXXX Thats the claim number from previous complaint. Cashapp did not return my funds. After I contacted you I received a false email stating they have taken care of my concern, but they didnt. I reached out again to them and was ignored. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Complaint concerning Equifaxs refusal to provide access to my credit file Subject : Failure of Equifax to grant me access to my credit report ongoing for more than a year To Whom It May Concern : I write to submit a formal complaint against Equifax, and to request the CFPBs assistance in resolving the matter. Below is a full description of the situation, the harm I have suffered, and what remedy I request.

Statement of Facts / Chronology For over a year ( since at leas
t XXXX ), I have attempted to obtain access to my Equifax credit report online. Each time, Equifaxs systems have responded that no account is associated with my email, Social Security number, or name. 

In XXXX, I was informed by an Equifax representative that I would need to submit proof of identity : a copy of my government-issued ID, Social Security card , and a utility bill ( or similar ) as proof of address. I complied and submitted these documentstwice. 

On XX/XX/XXXX, I again attempted to pull my Equifax credit file ( in connection with qualifying for a home loan ). Once again, I received the same error message ( that no account is associated with my identifying information ). 

I then contacted Equifax by telephone : The first representative told me that there were internal blockages on my account that prevented access. After verifying my identity and sending a verification link to the phone number on record, I was told the only way I could receive access was by resubmitting the identity documents ( ID, SSN card, proof of address ), because they had to be within the last three months.

I asked to escalate. I spoke with a supervisor named XXXX. He reiterated the same requirement. I informed XXXX that it is unreasonable to place the burden of resubmitting documents again when my identifying information ( SSN, name, address ) has not changed. I also stated that I rejected the burden of proof being placed solely on me any further. 

XXXX said he would remove a fraud alert from my file and also remove a P.O. Box address associated with my file, explaining that those could be causing internal blockages. He promised that a letter confirming the fraud alert removal would be mailed within 7 days ( confirmation number : XXXX ). He could not gu

arantee whether access to my credit report would be restored within an hour, 24 hours, or at all. As of today, I still do not have access to my Equifax credit report. This failure has prevented me from securing better mortgage terms and has likely forced me to accept higher interest or forgo opportunities.

Company response to consumer: Closed with explanation