vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX Date opened XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
On XX/XX/29 at XXXX, I submitted a new credit block request due to XXXX XXXX Within 2 hours, the request stated it had been denied, because I " did not upload the correct information. '' Even though I uploaded 20 pages of the required documentation. It is impossible to have reviewed, and verified all this information within 2 hours when this office is closed. Second the Director of this program stated " NO One '' contacted him to verify this document. I have submitted 8 dispute and none have been reviewed and process correctly. I uploaded a valid " self attestation '' form from the XXXX XXXX XXXX advocate in Pennsylvania. Signed by their director, valid ID, a statement containing what I was uploading, a word document with all inaccurate information needed to be block, a screen shot of the XXXX XXXX XXXX XXXX government agency website explaining how they are identified by the government to help and support victims of human trafficking, as well as a letter stating that I am in the Address Confidentiality program due to being a victim of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/XXXX, the bank closed my checking account due to suspected fraud involving four third-party checks.

The bank placed a hold on over {$1800.00} of my funds during its investigation.

I cooperated fully by providing contact information for all check issuers and any requested documentation. 
As of XX/XX/XXXX, the bank has neither released my funds nor provided a written explanation for the delay, despite more than three months passing since the account closure.

Steps Taken : Contacted Chase customer service multiple times but received no resolution. 
Sent a formal demand letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my credit report I noticed incorrect addresses and miss spelling of my name, along with hard inquiries I did not authorize

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 2025-04-30 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: GA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX  XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX Account XXXX : XXXX * * * * * * * * * Please remove this inaccurate information from my credit report. 

7. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX  Account Number : XXXX * * * * * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

8. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX  Account Number : XXXX * * * * * * * * * * * Please remove this inaccurate information from my credit report. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX  Account Number : XXXX * * * * * * * * * * * Please remove this inaccurate information from my credit report.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing the reporting of a bankruptcy on my consumer file by XXXX XXXX, Experian, and XXXX  as inaccurate, unverifiable, and unlawfully furnished under multiple sections of the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : You are required to maintain procedures that ensure maximum possible accuracy. 

1681i ( a ) : If information is disputed and can not be fully verified, it must be deleted. 

1681s-2 ( a ) : Data furnishers may not report information known to be inaccurate. 

1681g : I have the right to know where the information came from, which has not been disclosed. 

1681b : No permissible purpose has been given to access or share this data. 

Importantly, U.S. Bankruptcy Courts do not report to credit bureaus, and PACER is not a data furnisher. Any information pulled from such public sources must still be verified and lawfully reported. This entry fails to meet that standard and 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 2025-04-30 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 am disputing the reporting of a bankruptcy on my consumer file by XXXX XXXX, XXXX, and Transunion as inaccurate, unverifiable, and unlawfully furnished under multiple sections of the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : You are required to maintain procedures that ensure maximum possible accuracy. 

1681i ( a ) : If information is disputed and can not be fully verified, it must be deleted. 

1681s-2 ( a ) : Data furnishers may not report information known to be inaccurate. 

1681g : I have the right to know where the information came from, which has not been disclosed. 

1681b : No permissible purpose has been given to access or share this data. 

Importantly, U.S. Bankruptcy Courts do not report to credit bureaus, and PACER is not a data furnisher. Any information pulled from such public sources must still be verified and lawfully reported. This entry fails to meet that standard and 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 non-monetary relief
Consumer complaint received 2025-04-30 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. XXXX XXXX is reporting a closed, charged-off credit card account ending in XXXX in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Despite the account being closed and charged off in 2024, it is still being reported as " past due '' and updated monthly with delinquency notations, re-aged payment history, and conflicting status fields. 

This account has already been disputed and reinvestigated. XXXX XXXX failed to ensure 100 % accuracy ( FCRA 1681e ( b ) ), failed to correct the known errors ( 623 ( a ) ( 2 ) ), and continued reporting false data in willful noncompliance after reinvestigation ( 623 ( b ), 611 ( a ) ( 5 ) ). 

I am requesting full deletion and permanent blocking of this account, along with regulatory enforcement for willful violations. 

I am including my Cease & Block Demand Letter, Sworn Affidavit, and Declaration of Harm as attachments.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. XXXX XXXX is reporting a closed, charged-off credit card account ending in XXXX in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Despite the account being closed and charged off in 2024, it is still being reported as " past due '' and updated monthly with delinquency notations, re-aged payment history, and conflicting status fields.

This account has already been disputed and reinvestigated. XXXX XXXX failed to ensure 100 % accuracy ( FCRA 1681e ( b ) ), failed to correct the known errors ( 623 ( a ) ( 2 ) ), and continued reporting false data in willful noncompliance after reinvestigation ( 623 ( b ), 611 ( a ) ( 5 ) ). 

I am requesting full deletion and permanent blocking of this account, along with regulatory enforcement for willful violations. 

I am including my Cease & Block Demand Letter, Sworn Affidavit, and Declaration of Harm as attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Addresss : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I see that you are reporting this collection on my report, but i didnt get a notice to collect or debt validation statement. I need the following information, proof of ownership chain of title, and full account records. You have not provided this and since you cant prove it you SHALL remove this from my credit report. You SHALL prove ownership or stop. A statement is not proof. I request Varification of the accuracy. What was the method that you use?

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiry Dispute Request for Removal Dear XXXX, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. I request its immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ). 

Details of the inquiry are as follows : Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX I did not authorize this inquiry, nor did I apply for credit with XXXX on or around this date. Per 15 U.S.C. 1681b, credit inquiries must be authorized by the consumer or initiated for a permissible purpose. This inquiry does not meet either condition.

Under 15 U.S.C. 1681n, any willful violation of the FCRA can result in damages and legal consequences. Please investigate and confirm in writing the deletion of this unauthorized inquiry. 

Sincerely, 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 2025-04-30 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized information currently appearing on my credit report. In violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information has been reported without my express written consent, leading to the inclusion of accounts that are not associated with any transactions I have personally made. This unauthorized reporting not only compromises the accuracy and integrity of my credit file but also constitutes a potential case of identity theft under 15 U.S. Code 1681c-2. I request immediate investigation and correction of these inaccuracies to restore the accuracy and fairness mandated by 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 2025-04-30 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: CA

Complaint narrative:
I submitted a formal written disputes to XXXX Experian XXXX XXXX on XX/XX/year> via Certified Mail regarding five ( 5 ) charged-off accounts that were inaccurately reported on my credit file. The disputed accounts were : XXXX XXXX XXXX ( Account Number : Not Listed ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) The accounts were allegedly treated as canceled debt ; however, I never received IRS Form 1099-C from any of these creditors, which is required for canceled debts over {$600.00}. This reporting is inaccurate and incomplete, violating the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611. 
Despite providing sufficient evidence and requesting a reasonable investigation, XXXX Experian XXXX XXXX failed to properly investigate my claims and continues to report these accounts inaccurately. This failure to investigate constitutes a violation of my rights under FCRA 611, and the continued inaccurate reporting harms my financial standing and creditworthiness.

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