vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IN

Complaint narrative:
I am formally disputing the accuracy and completeness of a charge-off account appearing on my credit report. The account reported by [ XXXX XXXX ], account number ending in [ XXXX XXXX XXXX ], is inaccurate, incomplete, and/or unverifiable and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under FCRA 607 ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of information furnished to consumers reports. Furthermore, FCRA 611 ( 15 U.S.C. 1681i ) gives me the right to dispute any information I believe to be incorrect or unsubstantiated.

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 2025-11-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Take time to review the enclosed items ; the inquiries happened without any notice and might be inaccurate.

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 2025-11-04 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:
I am submitting a dispute regarding the following accounts listed under my Experian report. These accounts are being disputed due to inaccuracies, and I request a full review and correction of any reporting errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$330.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$250.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$290.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$830.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$460.00} MCB ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$3900.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$9700.00} INQUIRIES : XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX LATE PAYMENT : 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 2025-11-04 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: PA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-04 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:
Inspect the enclosed papers ; the inquiries came in unannounced and may be incorrect.

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 2025-11-04 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this report against CREDIT COLLECTION SERVICES for engaging in unauthorized use and disclosure of my personal identifiable information. Without my knowledge or consent, CREDIT COLLECTION SERVICES furnished my non-public personal financial information to consumer reporting agencies in violation of my right to privacy. This information sharing occurred without providing me the legally required option to opt out, as mandated by the Gramm-Leach-Bliley Act. CREDIT COLLECTION SERVICES actions have resulted in the unlawful inclusion of impermissible data on my consumer report, which they are using to demand payment on extensions of credit. This conduct constitutes identity theft under 15 U.S.C. 1681, as my identifying information was used without authorization to create, maintain, or enforce an alleged debt. Such actions have caused harm to my privacy, credit reputation, and financial standing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Request for Update on CFPB Complaint Equifax Dispute Case # XXXX Message : Please Follow Up Hello, Im following up on my complaint regarding Equifax ( Case # XXXX ), which I submitted on XX/XX/2025. It has been over 30 days, and I have not received a final response or resolution.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are generally required to complete dispute investigations within 30 days. As this period has passed, I am requesting an update on the current status of my complaint and any actions taken by Equifax or the CFPB.

Please let me know if additional information is needed from me to move this forward.

Thank you for your assistance. 

XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT HAS BEEN REPORTED INCORRECTLY AS LATE.

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 2025-11-04 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: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Action Required Regarding Data Breach Incident Dear XXXX  Support Team, I am writing to express my concern and request immediate clarification regarding the recent data breach that has affected XXXX  systems. As a consumer who relies on the integrity and security of your services, I am deeply troubled by this incident and its potential impact on my personal information.

According to reports, this breach may have compromised sensitive personal data, which could expose consumers to identity theft, fraud, and other malicious activities. As a precaution, I am formally requesting the following : 1. Confirmation of Impact : Please confirm whether my personal data ( including but not limited to my Social Security number, credit account details, or any other sensitive information ) was affected by the breach.

2. Security Measures : Explain what specific actions XXXX  has taken to mitigate the risks of this breach and what measures have been implemented to prevent future data security failures. 
3. Credit Monitoring and Identity Protection : I am requesting complimentary credit monitoring, identity theft protection, and related services for affected consumers. Please provide clear enrollment instructions.

4. Consumer Protection Guidance : Advise me of the additional steps I should take to protect my credit and personal information, such as credit freezes, fraud alerts, or account monitoring options.

This matter is urgent and I expect a prompt written response outlining the actions XXXX  is taking to protect my data and restore consumer trust. Please respond within 14 days of receipt of this letter.

Should my concerns not be addressed in a timely manner, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate agencies.

Thank you for your immediate attention to this matter. I look forward to your prompt and thorough

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On thursday XX/XX/XXXX my purse got lost while i was at work ( XXXX XXXX ). It wasnt returned to my manager to give back to me until two days later, when i got it back it seemed like everything was in there untouched and i didnt think anything would be missing because i thought it got turned into the lost and found at my job. So Tuesday XX/XX/XXXX i went to go get some tacos and normally i always use my XXXX XXXX for everything so i dont have to pull out my card but this certain place they didnt have XXXX XXXX. I went to get my card out my wallet and couldnt find it so that made me go to my chase app and i saw that all my money was missing and i had withdrawals on my account at an ATM on XXXX XXXX XXXX the charges were still pending so im guessing the transactions were done on the XXXX. I immediately called chase to cancel the card and dispute the charges they told me it would take a couple days for the charges to be disputed back to me and that the claim was going to be either approved or denied by the XXXXXXXX XXXX XXXXXXXX meaning if it was denied they would take the money they gave me back. The night of the XXXX i saw that the money Chase had given me was gone so i assumed of course they denied me so next day I called and asked why it was denied they told me because the person who made the transaction used XXXX XXXX so i asked them if they could tell me what type of phone it was ( the type of XXXX  ) they told me they didnt have that type of information so thats when i just hung up the phone and a few days later i made a police report. I called the police a couple days after making the report to check the statuses and they told me to call chase back and have them reopen the case with the fraud department because they know especially that chase is known for not really investigating and not wanting to give people their money back, so thats what i did. I called chase that same day to reopen the case and the lady told me the investigation would be done by Tuesday the XXXX, so i called today on the XXXX and asked about my claim and they said they still denied me and all they could tell me was because it was used with an XXXX  the same excuse they gave me last time and when i tried asking again if they knew what type of XXXX  it was or if they could give me an IP address of the phone that was used they told me they couldnt give me that information. So thats when i called the police back and see if they could do anything they gave me this website consumer finance to put my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation