vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
THIS IS MY XXXX TIME formally disputing this following account CHARGE-OFF. I reviewed the following item XXXX XXXX  XXXX. This account is not in compliance with METRO2 standards and violation of FCRA 623a1a XXXX XXXX ERROR DELETE. THIS ACCOUNT IS IN ERROR PLEASE DELETE INCORRECT STATUS XXXX AND PAYING RATING INFORMATION MISSING. The date of First Delinquency ( XXXX ) is missing, inaccurate or has been re-aged to extend the reporting violating 605 ( c ) These reporting inconsistencies materially misrepresent the history and status of the account making the tradeline inaccurate and incomplete under 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 non-monetary relief
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
THIS IS MY XXXX TIME formally disputing this following account CHARGE-OFF. I reviewed the following item XXXX XXXX  XXXX. This account is not in compliance with METRO2 standards and violation of FCRA 623a1a XXXX XXXX ERROR DELETE. THIS ACCOUNT IS IN ERROR PLEASE DELETE INCORRECT STATUS XXXX AND PAYING RATING INFORMATION MISSING. The date of First Delinquency ( XXXX ) is missing, inaccurate or has been re-aged to extend the reporting violating 605 ( c ) These reporting inconsistencies materially misrepresent the history and status of the account making the tradeline inaccurate and incomplete under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as well as several credit reporting agencies that continue to publish false and unauthorized information on my credit report. The inaccurate and unverifiable information is causing serious harm to my creditworthiness and violates the Fair Credit Reporting Act ( FCRA ). 

Below are the specific disputed items : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment Complaint : I dispute this reporting because I have never made any late payments on this account. This entry is factually inaccurate and must be corrected immediately. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} Date Opened : XX/XX/XXXX Reported Issue : Charge Off Complaint : I have no knowledge of this account and never authorized or opened it. Reporting this account as a charge-off is false and misleading. I am demanding full deletion of this account from all credit bureaus since it can not be verified as mine. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Reported Issue : Charge Off Complaint : I have no knowledge of this account and have never maintained any financial relationship with XXXX XXXX XXXX  XXXX This is a completely inaccurate and unverifiable entry, and I request its immediate removal from my credit file. 

Unauthorized Hard Inquiries The following inquiries were not authorized by me, nor did I grant consent to these entities to access my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries are a direct violation of FCRA 604, which prohibits access to a consumers credit report without permissible purpose. I am requesting that these inquiries be removed immediately and that each entity provide written proof of permissible purpose. 

Requested Resolution : I am requesting that the CFPB conduct a full investigation into the above accounts and inquiries. Please require the furnishers and credit reporting agencies to : Remove all unverifiable and unauthorized accounts and inquiries from my credit report. 

Correct the inaccurate late payment entry on the XXXX XXXX XXXX XXXX account. 

Provide written confirmation of the actions taken to correct these errors. 

These repeated reporting violations are severely damaging my credit profile and causing undue hardship. I have already attempted to resolve these matters directly with the furnishers and the credit bureaus, but they have failed to take corrective action as required by law. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Formal dispute & deletion Request. 
I am again disputing the accuracy and compliance I HAVE FOUND a few violations of METRO2 reporting guidelines and FCRA 623 ( a ) 1 ( A ). The payment History Profile ( File18 ) doesn't reflect the delinquency timeline due to missing 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 explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I am disputing the following accounts reported under TransUnion, as they contain discrepancies in reporting, resulting in an inaccurate credit profile. 

Disputes : Charged-Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$53.00}. The balance and charge-off status of this account seem inconsistent with my records. 

XXXX, XXXX, XX/XX/XXXX, Balance : {$170.00}. I am disputing the reported balance and the late payment history on this account. 

XXXX, XXXX, XX/XX/XXXX, Balance : {$130.00}. A discrepancy in reporting and incomplete data is evident here. 

XXXX, XXXX, XX/XX/XXXX, Balance : {$160.00}. This account requires clarification regarding the reporting of payment status and balance. 

XXXX, XXXX, XX/XX/XXXX, Balance : {$68.00}. This accounts reported charge-off needs to be reviewed for accuracy. 

XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2300.00}. A full investigation into this charge-off is necessary due to discrepancies in balance and dates. 

Inquiries : XXXX XXXX XXXX Verification of this inquiry is required as it appears without consent. 

Late Payments : XXXX XXXX XXXXXXXX. The reported late payment may not be an accurate reflection of my payment behavior. 

XXXX, XXXX. There is an inconsistency regarding late payment reporting for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IN

Complaint narrative:
I am formally disputing the accuracy and completeness of a charge-off account appearing on my credit report. The account reported by [ Creditor Name ], account number ending in [ last 4 digits ], is inaccurate, incomplete, and/or unverifiable and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under FCRA 607 ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of information furnished to consumers reports. Furthermore, FCRA 611 ( 15 U.S.C. 1681i ) gives me the right to dispute any information I believe to be incorrect or unsubstantiated.

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 2025-11-04 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX XXXX of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX XXXX. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am disputing a XXXX late payment reported by TD Retail XXXX XXXX XXXX XXXXTD RCS ) on account ending XXXX for XX/XX/year>. When I attempted to make my payment on the due date, I experienced a technical difficulty logging into my account and was unable to complete the payment immediately. I have included screenshots documenting this login issue. Once I was able to regain access with TDs assistance on XX/XX/year>, I submitted the payment right away ; it was only XXXX days past due. I also enrolled in XXXX on XX/XX/year> to ensure timely payments going forward. 

I previously submitted TDs dispute form with supporting documentation but the late mark remained. As of XX/XX/year>, I have now paid off the account in full ( {$3000.00} ) confirmation # XXXX and have no outstanding balance. 

I respectfully request that TD update the XX/XX/year> reporting to Paid on time / Never late or remove the late notation entirely, as the delay was a one-time incident caused by an unexpected login difficulty that I promptly resolved and took steps to prevent from recurring. 

Attachments : TD RCS Consumer Credit Report Dispute Form ( XX/XX/year> ) Cover Letter with timeline and details Screenshots documenting the login issue AutoPay confirmation email ( XX/XX/year> ) Proof of full payment ( {$3000.00} on XX/XX/year>, confirmation # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-04 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am a permanently XXXX consumer whose only income is Social Security XXXX XXXX ( XXXX ). Beginning XX/XX/year>, I sent multiple certified letters to both XXXX XXXX XXXX and XXXX XXXX XXXX. ( the issuer of Discover-branded accounts ) notifying them of my indigent financial status and invoking protections under the Fair Debt Collection Practices Act ( FDCPA 1692c ( c ) ), the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ), and 42 U.S.C. 407 ( a ), which protects SSDI income from levy, garnishment, or collection. Despite confirmed XXXX deliveries of my Cease & Desist / Hardship Notices Tracking # XXXX ( XXXX, delivered XX/XX/year>, XXXX XXXX, OH ) and # XXXX ( Capital XXXX, delivered XX/XX/year>, XXXX XXXX XXXX, UT ) neither company has acknowledged receipt, flagged my account as hardship/uncollectible, nor ceased collection activity. Instead, Discover issued letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, mischaracterizing my XXXX XXXX XXXX Notice as a simple FCRA dispute. These letters ignored my FDCPA and 42 U.S.C. 407 requests, falsely treated the account as a regular dispute, and continued to report and collect on an SSDI-based account. Following the XX/XX/year>, merger, XXXX XXXX XXXX. became the issuer and controlling entity for Discover-branded accounts and therefore bears responsibility for correcting these actions. This is willful misrepresentation and noncompliance with federal consumer protection laws, specifically : FDCPA 1692c ( c ) Failure to cease collection after Cease & Desist notice. FCRA 1681s-2 ( a ) Failure to report accurate consumer information. 42 U.S.C. 407 ( a ) Violation of SSDI income protection from collection or offset. I have attached all supporting documentation including certified mail receipts, tracking confirmations, and copies of XXXX and XXXX XXXX correspondence labeled Evidence of Mischaracterization of Dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MO

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These accounts are inaccurately listed as charged off or have incomplete information, which I would like to address. 

Charged Off Accounts : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
{$180.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$96.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$500.00} on XX/XX/XXXX {$200.00} on XX/XX/XXXX {$550.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$580.00} on XX/XX/XXXX {$1000.00} on XX/XX/XXXX {$400.00} on XX/XX/XXXX The latest XXXX totaling {$1900.00}, were sent back to Chase and i was reimbursed for those but the remaining balance {$2200.00} they say they can't pay back i don't have a chase account so they say they can't help me but they sure didn't have a problem taking the money out of my account so they shouldn't have a problem putting it back. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint about multiple accounts on my credit report that are not being reported with the maximum possible accuracy. Several entries contain unverified or incorrect details that have persisted despite my disputes, and these inaccuracies are causing substantial and ongoing damage to my credit score and overall financial wellbeing. This is not an acceptable situation, multiple instances of less-than-accurate reporting are creating real barriers to my financial recovery.

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 2025-11-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
These accounts are being reported in error and must be deleted under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I previously disputed these items with the credit reporting agencies, and it was reported that you verified them as valid. However, I have not received proper documentation proving the accuracy or ownership of these accounts.

Company response to consumer: Closed with non-monetary relief