vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am disputing the following accounts and inquiries on my Equifax credit file. They are reported with material errors, inconsistencies, and omissions, in violation of FCRA, FDCPA, and Metro 2 standards. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defects identical to Experian contradictory statuses, inconsistent balances, missing dispute coding, false payment histories, etc. ) Inquiries in Dispute XXXX XXXX XXXX XXXX  These inquiries lack permissible purpose under FCRA 604.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank XXXX California I reported soon as I saw transaction for XXXX {$26000.00}. I was not me, I'm disabled and didn't do this, I called they said would be credited in 12 hours then issue new card. Two days later they gave credit but soon as another transaction with through they took back so making it overdraft charge. I called and they said that transaction needs to be posted and It was and I advised that it has been. She informed me to called back after XXXX if doesn't clear. Now I reported Sunday, it was clear on Monday then once other transaction came in after XXXX  they put charge back! Why do I have to keep calling? They are just trying to overdraft me because I never heard of them waiting this long for fraud charge to credit then take back only because my really charge came in and I have money for that charge but not fraud charge, I'm on XXXX and monitor my money offen and only spend what I got. Everyone else I know that banks there file claim and they take care of right away. I believe I'm being singled out for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WI

Complaint narrative:
This is a formal dispute regarding the inaccurate and unauthorized reporting of accounts on my credit file. I did not open or approve these accounts, and I was never informed of their addition. The fact that the information reported varies between the credit bureaus further proves its inaccuracy. This violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires the credit bureaus to ensure maximum accuracy of consumer information.

It also violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate disputed items within 30 days, and 15 U.S.C. 1681g, which entitles consumers to complete and accurate disclosure of their records.

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 2025-09-16 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: WI

Complaint narrative:
This is a formal dispute regarding the inaccurate and unauthorized reporting of accounts on my credit file. I did not open or approve these accounts, and I was never informed of their addition. The fact that the information reported varies between the credit bureaus further proves its inaccuracy. This violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires the credit bureaus to ensure maximum accuracy of consumer information.

It also violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate disputed items within 30 days, and 15 U.S.C. 1681g, which entitles consumers to complete and accurate disclosure of their records.

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 2025-09-16 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 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 Equifax, Experian, and TransUnion 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 2025-09-16 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 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 Equifax, Experian, and TransUnion 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 non-monetary relief
Consumer complaint received 2025-09-16 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-16 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: TX

Complaint narrative:
I am extremely distressed to see that the inaccurate accounts are still appearing on my credit report, and they were not removed despite everything Ive done. I urgently need the documents Ive provided to be reviewed with absolute care so I can finally put an end to this constant fear and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
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 complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

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 complete and accurate.

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 2025-09-16 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: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable negative items on my three credit report dated XXXX XXXX XXXX Each of these bureaus and companies were contacted via usps on XXXX These items are causing severe harm to my credit profile and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Negative Items in Dispute : Collections : XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$1200.00} Charge-Offs / Derogatory Accounts : XXXX XXXX Charged off , {$640.00} written off ( Closed ) XXXX XXXX XXXX Charged off, {$410.00} written off ( Closed ) XXXX XXXX  Charged off, {$2500.00} written off ( Closed ) Late Payments : XXXX XXXX XXXX XXXX XXXX late payments XXXX XXXX Credit Card 5 late payments ( Closed ) Basis of Complaint FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purpose Negative information must be backed by a permissible purpose and verified documentation. Reporting unverifiable collections and charge-offs without consumer consent or proof is unlawful. 

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit reporting agencies are required to maintain maximum accuracy. These negative items lack verifiable documentation and are therefore inaccurate and misleading. 

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate I have disputed these items with the credit bureaus. Under federal law, if furnishers can not produce proper documentation such as the original signed contracts or complete account histories, the accounts must be deleted. 

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Debt Validation Debt collectors like XXXX XXXX are required to provide validation of the debts they report. No such validation has been provided. 

FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete Information Collections and charge-offs can not remain past the 7-year statutory period from the date of first delinquency. Any attempt to re-age or extend these accounts is a direct violation. 

Requested Resolution I respectfully request that the CFPB investigate these matters and compel Experian, TransUnion, Equifax, and the furnishers of information to : Provide certified documentation validating each of these negative items ; or Remove these items immediately from my credit reports if verification can not be produced. 

These inaccurate and unverifiable items are unjustly lowering my credit score and causing me financial harm. 

Please confirm receipt of this complaint and provide updates on the progress of your investigation.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed a account that do not belong to me 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 non-monetary relief
Consumer complaint received 2025-09-16 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: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable negative items on my three credit report dated XXXX XXXX XXXX Each of these bureaus and companies were contacted via usps on XXXX These items are causing severe harm to my credit profile and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Negative Items in Dispute : Collections : XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$1200.00} Charge-Offs / Derogatory Accounts : XXXX XXXX Charged off , {$640.00} written off ( Closed ) XXXX XXXX XXXX Charged off, {$410.00} written off ( Closed ) XXXX XXXX  Charged off, {$2500.00} written off ( Closed ) Late Payments : XXXX XXXX XXXX XXXX XXXX late payments XXXX XXXX Credit Card 5 late payments ( Closed ) Basis of Complaint FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purpose Negative information must be backed by a permissible purpose and verified documentation. Reporting unverifiable collections and charge-offs without consumer consent or proof is unlawful. 

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit reporting agencies are required to maintain maximum accuracy. These negative items lack verifiable documentation and are therefore inaccurate and misleading. 

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate I have disputed these items with the credit bureaus. Under federal law, if furnishers can not produce proper documentation such as the original signed contracts or complete account histories, the accounts must be deleted. 

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Debt Validation Debt collectors like XXXX XXXX are required to provide validation of the debts they report. No such validation has been provided. 

FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete Information Collections and charge-offs can not remain past the 7-year statutory period from the date of first delinquency. Any attempt to re-age or extend these accounts is a direct violation. 

Requested Resolution I respectfully request that the CFPB investigate these matters and compel Experian, TransUnion, Equifax, and the furnishers of information to : Provide certified documentation validating each of these negative items ; or Remove these items immediately from my credit reports if verification can not be produced. 

These inaccurate and unverifiable items are unjustly lowering my credit score and causing me financial harm. 

Please confirm receipt of this complaint and provide updates on the progress of your investigation.

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