vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my XXXX XXXX and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my XXXX XXXX and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-10 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
The consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite having received a valid Identity Theft Report, proof of my identity, and a formal request for removal, the agency has failed to block the disputed information within the timeframe mandated by law. This ongoing noncompliance constitutes a clear violation of my consumer rights and has caused significant financial and reputational harm.

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I
have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I
have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identifi ed the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Under 15 USC 1666b this is a billing error I always paid as agreed on Time. This is an error. Account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove Inaccurate Reported Late payments and update account to paid as agreed.

4. Under 15 USC 1666b this is a billing error I always paid as agreed on Time. This is an error. Account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove Inaccurate Reported Late payments and update account to paid as agreed.

5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything onmy consumer reports no consent is identity theft. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

6. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything onmy consumer reports no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything onmy consumer reports no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything onmy consumer reports no consent is identity theft. 
XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything onmy consumer reports no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
10. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anythingon my consumer reports no consent is identity theft. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
11. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anythingon my consumer reports no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request XXXX  ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-10 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$24000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$66.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Title : Unlawful XXXX Hold on Funds Due to Unsubstantiated Fraud Claim Since XX/XX/year>, Chase Bank ( J.P. Morgan ) has placed a hold on my funds due to a reported fraud alert from XXXX XXXX XXXX XXXX  XXXX Chase has repeatedly stated that they are waiting for a green light from their back office and that XXXX reported the funds as fraudulent. However, I have not received any official notice, documentation, or explanation from XXXX regarding any fraud investigation or reversal. Ive move money from the brokerage account, paid some bills and was told Ill be receiving a cashier check within two days. Its 5 months later nothing. 

Despite multiple calls over several months, neither bank has provided a clear explanation, timeline, or resolution. My funds remain frozen or inaccessible, which has caused me significant financial hardship and stress. 

I am requesting : Immediate release of my funds or a formal written denial with full reasoning. 
Documentation from XXXX regarding the fraud claim that was reported to Chase. 
An explanation of how this process can legally justify holding my funds for nearly five months, which appears to be a violation of federal banking regulations, including Regulation CC. 

I am filing this complaint to formally request the CFPBs assistance in investigating both banks handling of this matter and enforcing consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I contacted CCS and requested verification of the account under the Fair Credit Reporting Act ( FCRA ) 611 ( a ). I asked for proper documentation, including the original creditor details, signed agreement, and billing history to validate the debt. CCS failed to provide sufficient verification or proof that this debt is valid and legally owed.

Additionally, I was notified that my personal information may have been exposed in a data breach ( Experian engagement # XXXX ). I believe this may be contributing to the appearance of inaccurate accounts. This reporting is damaging my credit and I request that this matter be investigated, and that the inaccurate item be removed under the protections of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Inaccurate Reporting of Late Payments Billing Error Dispute Under FCBA and FCRA I, XXXX XXXX, am filing this complaint against the furnisher and/or credit reporting agency for reporting inaccurate late payment information on my credit report in violation of both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I identified inaccurate reporting in the payment history of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account due to billing errors defined under 15 U.S. Code 1666 ( b ), which include : 1666 ( b ) ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

1666 ( b ) ( 5 ) : A computation or similar accounting error by the creditor on a statement.

Additionally, I did not receive a billing statement at least 21 days prior to the reported due dates, meaning any recorded late payments violate legal requirements and should not appear on my credit report.

Violations Alleged : 15 U.S. Code 1666 ( b ) : Billing error protections under the FCBA.

15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy under the FCRA.

15 U.S. Code 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing to report five separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. I did not receive notice to dispute. These fraudulent accounts consist of A personal credit card account opened at XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA laws.

XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer.

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 2025-07-10 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: NY

Complaint narrative:
CFPB please I need help. 

I have been a customer of Equifax for over XXXX years. For XXXX week, I was unable to access my Equifax account and locked out. I am trying to open a new line of credit and require access to my account to do so. In lieu of this, I reached out to my personal credit card to check my credit score as they provide it for free to track my progress. They are unable to unlock my credit as this is done through Equifax and did not see this service provided by my credit card company. 

On XX/XX/year>, I made my own attempts to reset my password and access with Equifax. After multiple attempts to reach a Equifax representative using a contact number from the website, I spoke to a live agent. She asked me to verify my identity. I informed her that I am unable to access my account and I am " locked out ''. She looked into it and unlocked it and said " everything looks good on my end ''. I did not ask her to look into my account if there's issues -- I requested for them to help me access my account. She guided me to reset my account. She asked me to do the following : ( 1 ) turn off my XXXX ( XXXX ) use XXXX XXXX ( XXXX ) only use capital letters in my name -- I tried this twice and it still did not work. I tried this on another device as well and I am still not able to access my account. She did NOT provide a solution but told me her next steps, which is to escalate this to someone in her IT department and someone will reach out to me as soon as possible. No confirmation or ticket was placed so I do not know if she actually escalated this. I asked if I am the only customer that this happened to and if the website is down. She informed me that " these things happen sometimes ''. Afterwards, I checked online to see if maybe Equifax is down but on the website, they only have a site maintenance scheduled for XX/XX/year>. 

Equifax did not reach out to me. I am still not able to unfreeze my credit so therefore I can not open a line of credit in a timely matter. 

On the morning of XX/XX/year> I called Equifax for a follow up, however, Equifax is facing " unusually long wait times ''. I have a paid subscription service with Equifax for over XXXX  years. As a consumer I should have the rights and access to my own credit -- and if not, they should provide confirmation ticket numbers so I can track the process.

Company response to consumer: Closed with explanation