vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: SC

Complaint narrative:
I am submitting this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and outdated information on my consumer credit file. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 602 ( A ) and Section 609/611, which mandate maximum accuracy and proper reinvestigation of disputed items. 

Accounts in Question : XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$140.00} | Late Payment XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$1600.00} | Late Payment XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$210.00} | Late Payment XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$2100.00} | Late Payment XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$19000.00} | Late Payment XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$14000.00} | Late Payment XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment XXXX XXXX  Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$170.00} | Collection Unauthorized & Excessive Inquiries : 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis of Complaint : These accounts and inquiries contain erroneous, outdated, and/or unverified data. 

Certain accounts ( e.g., XXXX XXXX XXXX loans and XXXX XXXX ) have been repeatedly reported with conflicting dates, balances, and statuses, making them unverifiable under FCRA standards. 

Several hard inquiries listed above were unauthorized, for which I never granted permissible purpose under FCRA 604.

Some accounts are being re-aged and misreported, directly damaging my creditworthiness. 

Requested Relief : A full investigation into the above-mentioned inaccuracies. 

Immediate deletion of any accounts or inquiries that can not be fully verified with original source documentation.

Written confirmation of corrective actions taken by both the furnishers and credit reporting agencies.

Enforcement action against any data furnisher found to be in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I have XXXX charges on my chime account done on XX/XX/year> {$13.00} {$13.00} and {$18.00} done at a hard hard cafe in XXXX .. they keep denieing my request. I sent them proof that i was working in my office in XXXX the time they money was taken out. i have requested XXXX time and both times DENIED. not sure what else i can do.. I sent them proof i was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year> I got an alert from credit karma that a collection was added to my credit report. I checked it and it was from National Credit Systems. The property was XXXX XXXX Apartments. I contacted the apartment complex to find out if someone used my identity to get a lease and i was informed by the manager that it was not identity theft but someone with a similar name as me nd same DOB. She contacted the creditor to fix this issue and they have yet to remove this collection from my credit report even after having proof that this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found an unauthorized transaction on my credit card and filed a dispute. After receiving my replacement card, I was surprised to discover that Chase had closed my account without providing any notice. At the time, I had approximately {$500.00} in cash rewards. When I contacted customer service, no one could give me a reasonable explanation. Since the account was closed without warning, I believe it would have been fair to allow me to redeem my cash rewards beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: ME

Complaint narrative:
On XX/XX/year> a dispute was filed by myself regarding late payments which were said to be resolved by the XXXX XXXX  company due to XXXX complications. On further review of my report it was noted that this was not the as case as of XX/XX/year>. Furthermore the credit report shows on time payments credited by the company prior to the above date. This account is also showing 7 years of good payment history which was being credited by the company due to XXXX complications removing me from financial responsibility. I wish to have a full investigation on the misuse & unfair practices being conducted by this company and in collusion with the 3 credit bureaus : XXXX XXXX XXXX Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
FCRA Violation, Failure to Investigate, and Fraudulent Entries Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX File # : XXXX Report Date : XX/XX/XXXX To Whom It May Concern : I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically : 1681i Failure to conduct a reasonable reinvestigation 1681s-2 ( b ) Failure of furnishers to report accurate information 1681c Reporting of obsolete or unverifiable accounts Despite my previous disputes, the following inaccurate and/or fraudulent items remain on my report : XXXX XXXX XXXX Account ending in XXXX Listed as a charge-off despite being reported incorrectly. I do not recognize this account and it was not opened by me. 

XXXX XXXX Account ending in XXXX This account was never authorized. I believe my identity was used fraudulently. 

XXXX XXXX Account ending in XXXX This was not opened by me and I have never received a billing statement. 

XXXX XXXX loan account Marked 120 days late despite ongoing disputes and lack of validation. No legitimate loan agreement can be produced. 

XXXX XXXX XXXX XXXX XXXX Overpayment This balance is fraudulent. I am not responsible for this alleged overpayment. 

XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off and placed in collections without my knowledge or consent. Account is not mine. 

XXXX XXXX XXXX XXXX Ive never held an account with XXXX or XXXX. This is clearly identity theft. 


DEMAND FOR ACTION : Immediate deletion of all inaccurate or unverifiable information listed above Full compliance with FCRA timelines for reinvestigation ( 15 days from receipt ) Proof of investigation or deletion confirmation to be mailed and emailed to me If no resolution is provided, I will escalate this matter to the Attorney General, FTC, and initiate legal action for statutory damages. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XXXX Report Date : XX/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 2025-09-22 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:
FCRA Violation, Failure to Investigate, and Fraudulent Entries Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX File # : XXXX Report Date : XX/XX/XXXX To Whom It May Concern : I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically : 1681i Failure to conduct a reasonable reinvestigation 1681s-2 ( b ) Failure of furnishers to report accurate information 1681c Reporting of obsolete or unverifiable accounts Despite my previous disputes, the following inaccurate and/or fraudulent items remain on my report : XXXX XXXX XXXX Account ending in XXXX Listed as a charge-off despite being reported incorrectly. I do not recognize this account and it was not opened by me. 

XXXX XXXX Account ending in XXXX This account was never authorized. I believe my identity was used fraudulently. 

XXXX XXXX Account ending in XXXX This was not opened by me and I have never received a billing statement. 

XXXX XXXX loan account Marked 120 days late despite ongoing disputes and lack of validation. No legitimate loan agreement can be produced. 

XXXX XXXX XXXX XXXX XXXX Overpayment This balance is fraudulent. I am not responsible for this alleged overpayment. 

XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off and placed in collections without my knowledge or consent. Account is not mine. 

XXXX XXXX XXXX XXXX Ive never held an account with XXXX or XXXX. This is clearly identity theft. 


DEMAND FOR ACTION : Immediate deletion of all inaccurate or unverifiable information listed above Full compliance with FCRA timelines for reinvestigation ( 15 days from receipt ) Proof of investigation or deletion confirmation to be mailed and emailed to me If no resolution is provided, I will escalate this matter to the Attorney General, FTC, and initiate legal action for statutory damages. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XXXX Report Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
Dear Equifax 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
I asked for validation of debt and never received it XX/XX/year>. The are many inaccurate things reporting on my credit about this account which is causing harm. This is also causing a mental XXXX as a XXXX veteran. There are also several fcra laws violations. Request the account to be fully deleted from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Dear Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
This account has been charged almost double from the original debt, which was paid with proof not being reviewed by the company & hung up on several times when attempting to resolve the issue. The company Portfolio Recovery Associates has added on Money attached to the original company 's debt from XXXX XXXX in the amount of {$290.00} now in collections for {$390.00}. Furthermore the company has used improper dates & data to futher profit from my accounts. This is unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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