vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am filing a complaint to you because after carefully reviewing my credit file, I discovered serious inaccuracies that are unfairly damaging my creditworthiness. These entries are either incomplete, misleading, or were reported without proper authority, and I am requesting immediate reinvestigation and removal if they can not be fully verified. 
XXXX issue involves accounts that are reported as XXXX XXXX, even though the balances do not justify such a damaging remark. The account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$410.00}, yet it is being misreported as XXXX XXXX. The same issue appears with XXXX XXXX XXXX which reflects a {$0.00} balance, and XXXX XXXX XXXX  which also reflects a {$0.00} balance, both of which are inaccurately reported as XXXX XXXX. These accounts in their current form do not reflect fair or accurate reporting. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information that is inaccurate or incomplete, and your bureau must conduct a reasonable reinvestigation. Additionally, FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers of information to promptly update records that are reported incorrectly. I also rely on FCRA 605B / 15 U.S.C. 1681c-2, which protects consumers by requiring the blocking of information resulting from fraud, misrepresentation, or identity theft. 
Beyond the inaccurate account reporting, I also discovered inquiries listed on my file that I did not authorize. These include XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I never gave consent for these inquiries to be performed, and they have no permissible purpose under the law. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute these inquiries. Moreover, FCRA 619 15 U.S.C. 1681q makes it unlawful to obtain a consumer report under false pretenses, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) strictly limits inquiries to situations where there is explicit authorization or a legitimate purpose. Because these inquiries do not meet those requirements, they must be deleted.

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 2025-09-23 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections in XXXX XXXX Utah sent letters claiming they were trying to collect a debt from me. The letter was sent to an address I have not lived at in over XXXX years. The current resident of that address knew me and sent the letters to me. This is a major privacy concern. They have never tried to call me by phone number ; they only sent a letter to an address I clearly do not live at. I also do not owe this debt, as I paid my hospital bill in full and have the receipts to prove it. I sent them a letter back to dispute the debt and to inform them of my new address and my privacy concerns. They then responded to these letters by sending them to the old address again, instead of the updated address included in my letter XXXX times. They are not only trying to collect a debt I dont owe, but they are also using a strange tactic of sending letters to an old address instead of calling me by phone or communicating with me at the correct address I informed them of, causing major privacy concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have became a victim of identity theft. I contacted the Federal Trade Commission and The Attorney State General. I filed FTC and SAG complaints. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
Could you take a look at this late entry? It might contain some errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account XXXX XXXX XXXXXXXX I am unaware it is debt and did not have the opportunity to dispute this account. If you believe you see proper notification, please provide certified mail receipt, displaying my signature if not, please delete account number XXXX from my Report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-23 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: GA

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate and unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent accounts were opened without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent accounts were opened without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase 's handling of my Chase Freedom credit card account ( ending in XXXX ). My account was reported 62 days past due without my knowledge, as Chase continued to use an outdated phone number ( ending in XXXX ), which has not belonged to me since XX/XX/XXXX. I never received calls, texts, or voicemails about the missed payment. 

I only learned of the delinquency via a XXXX  alert on XX/XX/XXXX. I immediately contacted Chase on XX/XX/XXXX and made a payment for the minimum amount due. I was told at the time that my account would remain active and that credit access would resume after payment cleared. I was never offered the opportunity to pay the full balance, which I would have done if asked. 

On XX/XX/XXXX, I called Chase again to follow up. The automated system informed me that my account was now closed contradicting what I was told the day before. I spoke with multiple agents. XXXX agent ( XXXX ) refused to transfer me to the XXXX XXXX XXXXXXXX. A supervisor ( XXXX ) agreed to escalate my call. I was then told by a representative named XXXX that the account was closed and there was nothing he could do. When I asked whether the closure would trigger further negative reporting, he responded, I dont know. 

I also discovered that my credit limit had been reduced without notice. This increased my credit utilization ratio above the 30 % threshold and caused additional damage to my credit score compounding the effects of the original delinquency report. 

Despite my repeated requests, Chase did not offer any formal way to submit documentation to dispute the report ( no email, fax, or mailing address ), nor was I given a case number or follow-up confirmation. I believe this lack of transparency and coordination between departments leaves consumers unable to resolve issues through proper channels. 

I am requesting the following : Retraction of the 60-day delinquency from my credit reports. 

Suppression or retraction of any credit limit reduction or account closure reporting that negatively impacts my credit score, particularly related to increased utilization ratio or account status derogatory. 

Explanation of why my account was closed and credit limit reduced without prior notice. 

Access to dispute the reporting through formal written channels. 

Access to recordings from XXXX XXXX XXXX, to support my claim. 

This experience raises serious concerns under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From Customer to Suspect : The Price of Walking into Chase While XXXX. 

To Whom It May Concern at Chase, I visited your branch at XXXX XXXX XXXX, XXXX, CA XXXX today with the intent of opening a new account. What I experienced instead was discriminatory and unprofessional behavior from your staff. 

The banker, XXXX, initially claimed that I had too many profiles. He acknowledged that he could open a new one but chose not to, implying without stating outright that I might be involved in fraudulent activity. At no point did he offer a valid explanation, nor did he make any genuine effort to assist me. 

On my way out, I asked to speak with a manager. The branch manager, XXXX, came out, gave me a full visual scan from head to toe, and simply said, Our system is funny. We cant open your account. Again, no reason was provided. 

It was apparent that the true basis for denying me service had nothing to do with your system or policies and everything to do with the way I look. 

People learn from their mistakes, but Chase is an exception. Given Chases well-documented history of XXXX discrimination including multiple lawsuits and national media coverage this incident may very well contribute to your next legal battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
They keep sending me letters court date. I dont know who they are. They keep updating that I owe them it went from four years ago to now current I dont know who they are

Company response to consumer: Closed with explanation