vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-08-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXXXX/XX/year>, Balance XXXX  {$0.00}

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 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I took out a payday loan for {$600.00} from Cash Advance Now. I was in a rush and didnt realize the terms violated XXXX  XXXX. The total I was expected to pay back was {$2900.00}, including {$690.00} in interest. I later learned XXXX  has strict limits on payday loan amounts ( XXXX {$500.00} ) and fees. I made XXXX payments of {$150.00} before checking the loan portal and discovering the total payoff was far higher than I expected or whats allowed under state law. This loan also appears to have been sent to collections. I believe the lender charged illegal interest and violated XXXX  payday loan laws. I would like this reviewed and the account adjusted or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of an account on my Equifax, TransUnion, Experian credit report. The account in question is with XXXX XXXX XXXX XXXX account ending in XXXX. While I acknowledge that the account belongs to me, I believe it is being reported inaccurately and request a full investigation under the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the disputed account XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( last XXXX ) XXXX XXXX XXXX  Reported Status XXXX  Charge-Off I believe the information being reported XXXX be incomplete, outdated, or incorrect, specifically regarding XXXX XXXX  The balance - Payment history - Date of first delinquency - Charge-off status I am requesting that you verify this account with the original creditor. If the creditor can not verify the accuracy of this information within XXXX  days, the item should be corrected or removed from my credit report as required by FCRA 611. 
Attached are copies of my ID and proof of address, along with a copy of the relevant portion of my credit report with the account highlighted. 
Please complete your investigation and notify me of the results in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : 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 2025-08-01 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello JP Morgan Chase Bank, make sure the agents controlling my XXXX, XXXX funds are not compromised! Alert XXXX XXXX  and XXXX XXXX  that I have not been able to login to my XXXX or XXXX  emails XXXX or XXXX in over a year or so! Need to update banking infor with my business checking account which is on XXXX XXXX : ( ending in XXXX '' & routing # XXXX ), from the last Chase regular checking account I last put on there from XXXX or XXXX XXXX  which is a fraud! 

XXXX XXXX XXXX : XXXX or XXXX or XXXX or use XXXX for emails along with XXXX Attorneys that I am still unable to use ATMs to make cash withdrawals cause of corrupt FBI agents!! Must make agents provide proof of assignment with the bureaus not just show badges! That's why XXXX is firing them! FBI agents against CIA and Air Force, paying homeage, using your ATMs & XXXX, who paid homeage! Please report Thanks XXXX XXXX XXXX XXXX needs Me Out of Country So They Can Finalize The Violence & Crime from corrupt XXXX : XXXX, XXXX who call themselves dobbermeants or leatherheads, XXXX members, XXXX XXXX XXXX, & their crew, allegely )!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them. 

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2. 

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

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 2025-08-01 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: MI

Complaint narrative:
CFPB Complaint Letter I am filing this complaint to report several inaccurate, outdated, and unverified items being reported on my credit file by the credit reporting agencies. These errors are causing severe and irreparable harm to my creditworthiness, access to housing, and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are enforced and these items are corrected or permanently deleted from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 609 ( c ) ( 2 ) ( E ), 602 ( A ), 611 Explanation : I have never resided at this location. This address being listed is unjustified and misleading. I am being wrongly associated with accounts or inquiries that do not belong to me, which may result in credit denials or loan rejections. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 609 ( c ) ( 2 ) ( E ), 602 ( A ), 611 Explanation : This is a duplication of a previously disputed incorrect address. I demand its immediate removal. The repeated appearance of variations of this same address reflects sloppy data handling and compromises the integrity of my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$9600.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 602 ( A ), 607 ( B ), FDCPA 807 ( 8 ) Explanation : This account is inaccurately reported as charged off without proper notice or validation. I have not received any written documentation validating this debt as required under the FDCPA. Continued reporting without verification is a violation of my rights. This entry is damaging my creditworthiness and impeding my financial progress. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Unverified Inquiry Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Explanation : I did not authorize this hard inquiry. This constitutes an impermissible pull of my credit under the FCRA. Such inquiries lower my credit score and should not appear on my report without my consent. I demand proof of permissible purpose or its removal. 
These errors violate my consumer rights and have caused me emotional distress, loan denials, and financial difficulties. I respectfully request the CFPB investigate these matters and enforce immediate correction or deletion from all relevant credit reporting agencies. I am providing this complaint in good faith and with evidence to support my claims.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-01 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX/SUNBIT for inaccurately reporting XXXXrelated remarks on an installment account that was closed before my XXXX XXXX filing. 

This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX, prior to my official XXXX XXXX XXXX case ( XXXX XX/XX/XXXX under Case No. XXXX ). 

Despite the fact that this account was not included in the XXXX, had a {$0.00} balance, and was closed beforehand, XXXX/SUNBIT continues to report XXXX XXXX XXXX in the remarks section. 

This is inaccurate and harmful, and violates : FCRA 1681e ( b ) Reporting must be maximally accurate FCRA 1681s-2 ( b ) Furnishers must correct inaccuracies after dispute UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) due to misrepresenting account status to lenders and underwriters Ive made multiple attempts to correct this without resolution. I am now seeking enforcement action to force compliance. This is not a dispute over delinquency this is about false public record reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I submitted a valid identity theft block request to ChexSystems for a fraudulent account from XXXX XXXX XXXX. I included all documentation required under 15 U.S. Code 1681c2 : my FTC identity theft report, police report, written statement, and proof of identity and address ( utility bill ). Despite this, ChexSystems denied my request without a valid reason. Under the FCRA, ChexSystems is legally required to block fraudulent information within 4 business days of receiving proper documentation. Their refusal to do so is a violation of my rights. I am requesting immediate removal of the XXXX XXXX XXXX account from my ChexSystems file and compliance with federal law. If this issue is not corrected, I will escalate the matter to the FTC and consider further legal action.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS USED WITHOUT MY CONSENT. I HAVE NOT AUTHORIZED THE ACCOUNT TO BE OPENED OR USED. I HAVE TAKEN THE RIGHT STEPS TO START FREEZING MY INFORMATION. I NOTICED THESE ACCOUNTS WHEN I KEPT GETTING COLLECTION CALLS.

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 2025-08-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
Mohela is inaccurately reporting my federal student loans. My credit report shows XXXX day late payments beginning in XXXX with no XXXX or XXXX lates preceding them. This is not possible under standard credit reporting requirements and is factually inaccurate. 

My loans were in XXXX forbearance from XX/XX/XXXX through XX/XX/XXXX and were reported as current through XXXX. In XXXX, Mohela abruptly reported my accounts as severely delinquent without any notice or progressive delinquency reporting. 

This error has caused severe damage to my credit score ( drop of XXXX points ). I am requesting that Mohela correct this inaccurate reporting and remove the erroneous derogatory marks immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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: DC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation