vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: MO

Complaint narrative:
I am writing to dispute inaccurate account information investigated and submitted by TransUnion. 
I received report number XXXX dated XX/XX/XXXX stated that an investigation has performed and the account information was in fact verified and accurate. According to the account ( Pay Status : Paid, Closed : was Paid as agreed ). If this account was as reported ( Pay Status : Paid, Closed : was Paid as agreed ) how are there late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? Either the Pay Status is inaccurate or the Late Payments are inaccurate. You failed to perform a fair and accurate investigation which leaves me with no recourse but to seek legal action, I will be filing the necessary documents today.

Data and legal precedent indicate that Metro 2 and e-OSCAR are not always reasonable or sufficient methods for conducting thorough credit report investigations. Critics, including the Consumer Financial Protection Bureau ( CFPB ), argue that these automated systems lead to oversimplified disputes and incomplete investigations. 

For Consumer Reporting Agencies : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires them to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' when a consumer disputes information directly with them.

For Information Furnishers : 15 U.S.C. 1681s-2 ( b ) ( 1 ) requires that once a furnisher is notified by a consumer reporting agency of a dispute, the furnisher must " conduct an investigation with respect to the disputed 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 non-monetary relief
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS 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 2025-10-15 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:
Please act on the disputed accounts and delete them within the limits of 15 U.S. Code 1681g.

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 2025-10-15 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: NJ

Complaint narrative:
I previously filed a formal identity theft dispute with Equifax through the CFPB on XX/XX/2025, and provided all required documents : FTC Identity Theft Report, proof of ID, proof of address, and my XXXXXXXX XXXX credit report. 
Equifax responded on XX/XX/2025, stating that some accounts were deleted, but several others were verified as belonging to me. This is incorrect and inconsistent with the FTC Identity Theft Report I submitted. Equifax failed to block identity theft-related accounts under FCRA 605B, even though I provided all necessary documents proving my identity and the fraudulent nature of those accounts. 

The following accounts remain inaccurately reported and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Equifaxs response violates my rights under FCRA 611 ( a ) ( 1 ) ( failure to conduct a reasonable investigation ) and FCRA 605B ( failure to block fraudulent information within 4 business days ). 
I am requesting that the CFPB instruct Equifax to reopen my case, permanently delete or block all identity theft-related accounts, and provide written confirmation when the credit file has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
I have reached out to this credit bureau multiple time and they fail to do a proper investigation each time I am disputing the accuracy of the following information in my credit file under the Fair Credit Reporting Act ( FCRA ) : Creditor : XXXX XXXX  Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Reason for dispute : The tradeline is inaccurately reported as Paid in Full / Was a Charge-Off. A paid account can not also be legally defined as charged-off under 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ). The account shows a {$0.00} balance and confirmed payment completion, yet continues to be reported as derogatory. 

Additionally, this account was previously disputed and verified without supporting documentation, which constitutes a violation of FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Please conduct a reasonable reinvestigation and remove this inaccurate item. 

If XXXX XXXX can not verify this tradeline with proper documentation, it must be deleted from my report in accordance with FCRA 611 ( a ) ( 5 ). 

hereby demand that TransUnion : Conduct a full reinvestigation of this XXXX XXXX account ; Request original verification and documentation from XXXX XXXX  showing the charge-off designation ; and Delete this tradeline entirely if the accuracy of the charge-off notation can not be verified with documentation directly from the furnisher. 

Reservation of Rights and Right to Sue Please be advised that under FCRA 616 [ 15 U.S.C. 1681n ] and FCRA 617 [ 15 U.S.C. 1681o ], I reserve all rights to pursue civil action for willful or negligent noncompliance with the Fair Credit Reporting Act, including but not limited to : Statutory damages, Actual damages, Punitive damages, and Attorneys fees and costs. 

If the information l continues to report this inaccurate information after receiving this notice, I will exercise my right to sue under federal law for FCRA violation

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 2025-10-15 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-10-15 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: PA

Complaint narrative:
Good day, Hello, I am composing this complaint for the second time. I submitted a dispute to your company last month XX/XX/year>, in which I explicitly identified the fraudulent and questionable accounts. However, there are still accounts on my credit report that should not be there. I have reported the fraudulent accounts and have attached my ID and social security card, which I will re-attach due to the negligence of your company. This is causing me tension and negatively impacting my mental health. I should not be subjected to further punishment for my victimhood, and the only course of action I have is to contact your organization in order to rectify the situation.

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 2025-10-15 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: MI

Complaint narrative:
Subject : Continued Reporting After Address Removal & Discharge No Permissible Purpose I am disputing continued reporting of bankruptcy-related data and associated tradelines after discharge. 

The bankruptcy ( XXXX ) was discharged on XXXX XXXX XXXX, and the address linked to that filing has been removed from my credit file. The data furnishers and bureaus are still reporting accounts referencing this discharge, even though : 1. The reporting entities have no permissible purpose under FCRA 604 ( a ) to continue furnishing data.

2. The bankruptcy was fully discharged and the associated accounts show {$0.00} balance.

3. No written consent or current address connection exists for continued reporting.

Under FCRA 611 ( a ) ( 5 ), unverifiable or inaccurate information must be deleted. Under FCRA 607 ( b ), credit bureaus must assure maximum possible accuracy continuing to attach my profile to outdated data violates both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am not aware of this debt and I do not owe the Resurgent Receivable Collection Agency {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I am filing this complaint against the credit reporting agencies and the listed furnishers for reporting false, inaccurate, and unverifiable information on my credit report. These errors are damaging my creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ), Section 609 & 611, and the Fair Credit Billing Act ( FCBA ). 

The following items are inaccurate and must be investigated and corrected immediately : Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ( I have never lived at or been associated with these addresses. ) Erroneous Account Reporting : XXXX XXXXXXXX * Reported Late Payments, High Balance : {$490.00}, Date Opened : XX/XX/XXXX XXXX XXXXXXXX * Reported Late Payments, High Balance : {$18000.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * Charge Off, High Balance : {$24000.00}, Date Opened : XX/XX/XXXX ( These accounts are inaccurately reported and unverifiable. I dispute the accuracy of these entries in full. ) Unverified Inquiry : XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( This inquiry was unauthorized and must be removed. ) These inaccuracies violate my rights to fair and accurate credit reporting. I demand the CFPB ensure that the credit reporting agencies and data furnishers : Conduct a full investigation as required by law. 

Provide me with complete verification and documentation of each disputed item. 

Permanently delete or correct all inaccurate, unverifiable, and unauthorized information. 

Failure to address these violations promptly constitutes non-compliance with federal law and subjects the furnishers and reporting agencies to penalties.

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 2025-10-15 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: FL

Complaint narrative:
Good day, In my last dispute, I also involved a Federal Trade Commission. After this, I will be going to the civil court in my state of residence Florida to file a claim against your company. This happens to be the last time that I will be contesting this account. I would want to propose that this account be deactivated and given a thorough inquiry. Due to a fake account that I had previously reported to your company, I was just denied employment. I am really disappointed. My previous disagreements with your organization have been meticulously documented and kept in my possession.

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 2025-10-15 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-15 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:
These are inaccurate items. They show as late payments.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My complaint is related to the customer experience and reporting effectiveness at XXXX a mortgage lender. I have had an account with them for nearly 10 years and have never missed payment due to an automatic draft. There was an issue on my end where the payment for XXXX did not go through. XXXX failed to communicate this issue and the first time I was alerted to it was my credit reporting when my credit score fell XXXX points at beginning of XXXX. In XXXX, they attempted to contact me outside of business hours but left a vague voicemail to call them back. Rather than call I went directly online and reviewed my account from their website. On the website the account appeared in good standing and even had a tile that stated the payment was received ( see attached screenshot ). Due to their failure to accurately report relevant account information I was unaware of overdue balance. With this information my assumption was they were calling me to upsell a product and did not call them back. This entire situation could have been avoided with a notification email or any other digital information notifying me that payment was not processed. Instead I found out in XXXX and immediately remediated. Based on the circumstances I requested an adjustment to my credit reporting however I was denied.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX JPMorgan Chase XXXX ) processed two identical automatic withdrawals of {$370.00} from my XXXX XXXX XXXX XXXX account for my auto loan ending in [ last 4 digits ]. 

I only authorized one payment. XXXX confirmed this duplication and reversed one of the two payments on XX/XX/year>. 

XXXX XXXX XXXX acknowledged in writing on XX/XX/scrub> XXXX XXXX Case # XXXX ) that the duplicate occurred because their system processed both the automatic payment and a one-time payment on the same date. They stated a refund was under review and would be completed by XX/XX/scrub>XXXX XXXX 

However, XXXX/Chase subsequently reversed both payments, causing my account to show two missed payments ( {$740.00} due ) and generating past-due and credit-reporting warnings. 

I have proof from XXXX that one payment successfully cleared, and that XXXXChase received the funds. I also have a screenshot of their own system showing both payments reversed and my account incorrectly marked past due. 

Despite multiple attempts to contact them and confirmation that the duplicate refund was being handled, my account remains marked as delinquent, and I continue receiving automated past due notices. 

This is a clear billing error and mishandling of my loan account that could result in inaccurate credit reporting and financial harm.

Company response to consumer: Closed with explanation