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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing two Portfolio Recovery Associates collection accounts originally from XXXX XXXX. Both have a verified Date of First Delinquency ( DOFD ) of XX/XX/XXXX, which sets a 7-year reporting limit ending in XX/XX/XXXX. 

TransUnion is reporting both accounts as : Open ( despite XXXX  showing them correctly as closed ) Date Opened in XXXX ( even though PRA bought the accounts post-charge-off ) PRA also re-aged the accounts by adding a major delinquency in XXXX, falsely making the debts appear newer than they are. 

I disputed these issues, provided documentation, and was told they met reporting standards. This is incorrect under FCRA 623 ( a ) ( 5 ) and violates Metro 2 guidelines. 

I am requesting : Correction of the Open status to Closed Proper DOFD as XX/XX/XXXX Removal of the XXXX date Full deletion if they can not verify these corrections

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase banking had closed my account after I was trying to sell my XXXXXXXX XXXX XXXX on XXXX XXXX  which is where I became a victim of fraud. Fraud people made three false claims two for XXXX  payments and one for the XXXX XXXX  on my account and tried to steal money. Then chase decided to close my resricted and close my account, told me that they will not do business with me ever again and that they will do business with my husband. Threatened him with closure if he did not remove me from the joint account. We have to go into the bank to remove me now XX/XX/XXXX. They did this whole thing XXXX, XXXX or sometime in the last week of XXXX when the fraud attempt occurred. I was not involved in this fraud or anything to do with any money scams or the like. I was to make sure that I am protected since I work for the government and don't want any false things on my record because of Chase bank is trying to protect their reputation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have previously disputed these items, and you responded by verifying them as accurate, stating that the information was confirmed with the court. I have contacted the courts, and their response is attached. They clarified that they do not report information to you or any credit bureau. Therefore, your initial response indicating verification with the court was false and misleading. As a result, the reporting requirements may not comply with FCRA 611 ( 15 U.S.C. 1681i ), and the information should be reviewed for possible deletion. Investigations that do not address supporting documentation or accurately represent the findings may be inconsistent with regulatory standards.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/year>, I discovered a late payment being reported by XXXX ( Account Number ending in XXXX ) on my credit file. I was never notified of an upcoming due date or that a payment had been missed. I did not receive any reminders, letters, emails, or alerts from the creditor giving me a chance to address or resolve the issue prior to it being reported to the credit bureaus.

I exercised my right to dispute this with the credit reporting agency, but the entry was not removed. The creditor has failed to provide any evidence of proper notice, and the credit bureau did not properly reinvestigate the issue.

This is not just a reporting error it is a clear violation of federal law, specifically : FCRA 1681e ( b ) for reporting inaccurate/incomplete data ; FCRA 1681s-2 ( a ) ( 1 ) ( A ) for failing to notify me and report responsibly ; FCRA 1681i ( a ) for failing to reinvestigate and correct the dispute.

I have taken this issue to the CFPB because both the creditor and the cre
dit bureau failed to act after I submitted documentation and requested a proper reinvestigation. My credit score continues to suffer from a late payment that I was never made aware of.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit Card Receivables Fund Incorporated
State: MN

Complaint narrative:
I was recently sent a Memorandum on Writ of Garnishment on XX/XX/year> for a debt that I am completely unaware of. Unifund CCR Partners, XXXX ( The Company ) sued me in a State where I do not live, never provided proper notice of any legal action per the Rules of Civil Procedure. Unifund CCR XXXX, XXXX ( The Company ) secured a judgment against me without my knowledge. The case is in the XXXX XXXX XXXX XXXX in the amount of {$4200.00}. 

Issuance Fee : {$25.00} MISC Filing Fees : {$2.00} Accrued Interest as allowed by NRS 17.130 : {$5000.00} Total of Issuance, Service, Garnishee Fee & All Costs or Fees and Interest : {$5000.00} Total of Judgement as Entered and Post Judgment Accruals : {$9300.00} Please note, I was never served any notice of this legal action, was not notified of any Court appearances, etc. This legal action is fraudulent and not in allignment with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
File a dispute with santander Consumers USA on XX/XX/XXXX about a repossession XXXX XXXX  XXXX. Payment XXXX they denied lower payment. 
Total price XXXX after the action XXXX balance on my credit report there a charge off that they didn't give me a 1099c. Incorrect balance of payment from received from me. Fail to sale the vehicle in time. Overcharged on toweling bill XXXX. + sale fee XXXX Fail to notify the police about the repossession. Fail to communicate the time and location of the auction why type auction did the car get sold. XXXX offer to settle the debt.

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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose.

Legal Precedent : In the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 2025-08-01 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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: AL

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion I am submitting this complaint against all XXXX  major credit bureaus Experian, Equifax, and TransUnion for their continued reporting of inaccurate and unverifiable information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). I recently obtained my credit file from XXXX and identified multiple inaccuracies and unauthorized inquiries that require immediate attention and resolution. 

This is a valid and specific dispute. I prepared and submitted each of my disputes, including proper identification and documentation. The bureaus are required by law to conduct a good-faith, reasonable reinvestigation under 15 U.S.C. 1681i ( a ). I also submitted formal requests for the method of verification and full file disclosures under 15 U.S.C. 1681e ( b ), 1681g, and 1681i, which have not been sufficiently addressed. 

Disputed Items : Incorrect Personal Information Incorrect Name : XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX  ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) Inaccurate or Unverifiable Accounts Collection : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Charge Off XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Late Payments ( Closed/Paid ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts and inquiries are either inaccurately reported or entirely unverifiable, which violates the FCRA. The bureaus have not provided the required method of verification as outlined under 15 U.S.C. 1681i ( a ) ( 7 ), nor have they shown documentation relied upon for verification. If any detail about a tradelinesuch as balance, status, date opened, or payment historyis inaccurate or unverifiable, it must be deleted per 15 U.S.C. 1681i ( a ) ( 5 ). 

Legal Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose method of verification 15 U.S.C. 1681g Failure to provide full file disclosure

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: AL

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion I am submitting this complaint against all XXXX  major credit bureaus Experian, Equifax, and TransUnion for their continued reporting of inaccurate and unverifiable information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). I recently obtained my credit file from XXXX and identified multiple inaccuracies and unauthorized inquiries that require immediate attention and resolution. 

This is a valid and specific dispute. I prepared and submitted each of my disputes, including proper identification and documentation. The bureaus are required by law to conduct a good-faith, reasonable reinvestigation under 15 U.S.C. 1681i ( a ). I also submitted formal requests for the method of verification and full file disclosures under 15 U.S.C. 1681e ( b ), 1681g, and 1681i, which have not been sufficiently addressed. 

Disputed Items : Incorrect Personal Information Incorrect Name : XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX  ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) Inaccurate or Unverifiable Accounts Collection : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Charge Off XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Late Payments ( Closed/Paid ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts and inquiries are either inaccurately reported or entirely unverifiable, which violates the FCRA. The bureaus have not provided the required method of verification as outlined under 15 U.S.C. 1681i ( a ) ( 7 ), nor have they shown documentation relied upon for verification. If any detail about a tradelinesuch as balance, status, date opened, or payment historyis inaccurate or unverifiable, it must be deleted per 15 U.S.C. 1681i ( a ) ( 5 ). 

Legal Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose method of verification 15 U.S.C. 1681g Failure to provide full file disclosure

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian numerous times to update and correct my credit information yet my information has not been updated since XXXX of 2024. Many accounts showing up on my Experian report have been paid on full and needs to be updated.

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