vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have hard inquires on my credit profile that I never made, they are popping up on my Experian, Equifax and Transunion. I need them removed. Ive already sent in multiple disputes for this. Other accounts were opened with out my consent around the same time frame. Someone used my social to try to apply for things that I never did. On XX/XX/XXXX my credit was ran multiple times. The only hard inquiry I should have probably is from XXXX XXXX on XX/XX/XXXX. But I even paid off my XXXX XXXX Account and its closed. Everything else I did not do.

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 2025-09-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against MACYS/CITIBANK, N.A. a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

MACYS/CITIBANK, N.A. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-16 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for continued violations of the Fair Credit Reporting Act ( FCRA ) regarding unresolved disputes of inaccurate and unverifiable information in my credit report.

Despite multiple disputes, including my most recent one submitted in XX/XX/XXXX, the bureaus have failed to correct inaccurate data or provide a legally sufficient response. Instead, I have received generic verified responses without being provided the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes violations of 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to maintain maximum possible accuracy ). 

The following items remain disputed and unresolved : Incorrect Personal Information Multiple previous addresses and employers reported inaccurately Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX ( all dated XXXX XXXX Late Payments/ Charge-Offs/ Collections Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others listed in my dispute letters The bureaus have failed to : Provide the specific method and process used to verify the accounts ; Disclose the names, titles, and contact details of the furnishers ; Provide any documentation relied upon in verification.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was added as an authorized user on my mothers XXXXXXXX XXXX XXXX I have been on there for over 6 months and it still has not reported to Transunion or Experian. Only XXXX, I need this updated. And I need my transunion updated, I still have a XXXX account that has been disputed and removed from XXXX  and Experian almost over a year ago but its still on my Transunion. I need it removed now. And I need all hard inquires removed. I did not make any hard inquires in the last XXXX years.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX not minds never did a joint account XXXX XXXX not minds u am a fraud victim my credit was iin over XXXX credit data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am once again reaching out regarding the continued inaccuracies that remain on my credit file, despite my previous disputes. I have carefully reviewed my report, and what I see reflected there does not represent my financial history or the reality of my obligations. This is not only misleading but also harmful to my ability to move forward. 
One of the items still showing is a charged-off account connected to XXXX XXXX XXXXXXXX XXXX The reporting of this account is problematic, as it reflects a balance of {$2400.00} and yet there is an absence of a 1099-C, which is required when a debt above {$600.00} is charged off or forgiven. The presence of this account in its current form is inaccurate and misleading, which brings me back to the protections under FCRA 607 ( b ), which demands maximum possible accuracy when information is furnished or retained in a consumers credit file. The continued presence of this account without supporting compliance documentation is in direct conflict with that requirement and should be removed. 
In addition, I must again address the inquiry from XXXX XXXX dated XXXX XXXX XXXX. This inquiry was made without my knowledge or permissible purpose, and its presence is improper. The FCRA 619 15 U.S.C. 1681q makes it clear that no person shall knowingly and willfully obtain information from a consumer reporting agency under false pretenses. Likewise, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) prohibits the obtaining of a consumer report without a permissible purpose, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) specifies the limited conditions under which a report can be legally accessed. The inclusion of this inquiry is therefore both unjustified and unlawful, and I am requesting its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am once again reaching out regarding the continued inaccuracies that remain on my credit file, despite my previous disputes. I have carefully reviewed my report, and what I see reflected there does not represent my financial history or the reality of my obligations. This is not only misleading but also harmful to my ability to move forward. 
One of the items still showing is a charged-off account connected to XXXX XXXX XXXXXXXX XXXX The reporting of this account is problematic, as it reflects a balance of {$2400.00} and yet there is an absence of a 1099-C, which is required when a debt above {$600.00} is charged off or forgiven. The presence of this account in its current form is inaccurate and misleading, which brings me back to the protections under FCRA 607 ( b ), which demands maximum possible accuracy when information is furnished or retained in a consumers credit file. The continued presence of this account without supporting compliance documentation is in direct conflict with that requirement and should be removed. 
In addition, I must again address the inquiry from XXXX XXXX dated XXXX XXXX XXXX. This inquiry was made without my knowledge or permissible purpose, and its presence is improper. The FCRA 619 15 U.S.C. 1681q makes it clear that no person shall knowingly and willfully obtain information from a consumer reporting agency under false pretenses. Likewise, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) prohibits the obtaining of a consumer report without a permissible purpose, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) specifies the limited conditions under which a report can be legally accessed. The inclusion of this inquiry is therefore both unjustified and unlawful, and I am requesting its removal.

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 2025-09-16 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:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-09-16 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: Experian Information Solutions Inc.
State: PR

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 under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-16 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: FL

Complaint narrative:
I am following up regarding inaccuracies that continue to appear on my credit report despite my previous disputes. This is now my fourth request for correction, and I am seeking the immediate removal of items that are inaccurate, misleading, and harmful to my credit profile. 
XXXX accounts in particular are reported inaccurately. The first is a late-closed account with XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a XXXX balance. The second is a late-closed account with XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX also showing a XXXX balance. Both accounts are reported inaccurately and do not reflect their proper closure or status. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain information with maximum possible accuracy. FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides consumers the right to dispute inaccurate information and request a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to report accurate information. Since these accounts fail to meet these legal requirements, they must be removed from my credit report. 
Additionally, there is a charge-off with XXXX XXXX XXXX, account number XXXX XXXX XXXX showing a balance of {$14000.00}. This account is reported without the issuance of a 1099-C for a debt over {$600.00}, making it inaccurate and misleading under FCRA 607 ( b ). Unless proper validation and compliance documentation are provided, this account must be removed. 
My credit report also contains multiple unauthorized inquiries that I did not authorize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The inclusion of these inquiries violates FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limit access to consumer reports to permissible purposes only. Since these inquiries were not authorized, they must be removed immediately.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Re : Complaint Regarding Inaccurate Credit Reporting by Chase Bank To Whom It May Concerns, I am filing a complaint regarding Chase Banks inaccurate reporting of a charge-off on my account ending in XXXX. 

On XX/XX/XXXX, I received a written notice from Chase confirming that my application for a Debt Management Program ( XXXX XXXX ) had been accepted. The letter stated that my first payment of {$310.00} was due by XX/XX/XXXX. I made this payment early, on XX/XX/XXXX, and continued to make regular monthly payments thereafter : XX/XX/XXXX {$310.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$310.00} ( and ongoing thereafter ) Despite meeting the DMP requirements and continuing to pay, Chase reported my account as charged-off on XX/XX/XXXX. This reporting is inaccurate and misleading. At that time, I attempted to resolve the matter directly with Chase, but they refused to work with me. 

Most importantly, the account was fully paid off on XX/XX/XXXX. Despite this, the charge-off notation remains on my credit report, which is causing significant harm by limiting my access to credit and interfering with my ability to grow a new business. 

I respectfully request that the CFPB require Chase to : Correct this inaccurate reporting with all credit bureaus, and Remove the charge-off notation from my credit history, as it does not accurately reflect my payment performance or the fact that the account was fully satisfied. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

Company response to consumer: Closed with non-monetary relief