vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: MD

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : URGENT DEMAND - Dispute & Deletion of All Inaccurate and Unverifiable Information / Notice of Damages under 15 U.S.C. 1681n To Whom It May Concern, This letter serves as a formal dispute and legal notice regarding multiple inaccurate, outdated, and unverifiable items currently being reported on my credit report. These items are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am fully aware that Equifax and Experian have recently been sued for inaccurate and negligent credit reporting practices, which further validates the unreliability of the information being reported.

You are legally required under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of any data you report and under 15 U.S.C. 1681i to conduct timely and complete reinvestigations of disputed data.

Therefore, I am demanding an immediate full sweep of my credit file and the permanent deletion of : - Any and all unverifiable or inaccurate accounts - Outdated or inconsistent personal identifiers - Derogatory marks including inquiries, collections, late payments, charge-offs, bankruptcies, and repossessions - Any data that can not be verified by original, signed documentation directly from the original creditor If you are unable to provide full verification within the 30-day period prescribed by law, these items must be permanently deleted, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Additionally, be advised that under 15 U.S.C. 1681n, I am entitled to {$1000.00} in statutory damages for each violation of the FCRA, in addition to punitive damages, court costs, and attorney 's fees.

Should you continue to willfully report inaccurate or unverified information after this notice, I will pursue all available legal remedies.

You are hereby on notice. If these accounts are not removed and a fully updated copy of my credit file is not sent to me within 30 days, I will file formal complaints with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - My state attorney general 's office I will also seek legal counsel to initiate a civil lawsuit for FCRA violations.

I demand written confirmation of deletions and an updated credit report reflecting the removal of all inaccurate or unverifiable entries. 

Sincerely, XXXX XXXX XXXX ( Last XXXX Digits ) : XXXX XXXX : XX/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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When checking my Credit Reports at Experian, Equifax, and TransUnion, I found that the XXXX agencies report different numbers. While Experian and TransUnion provide XXXX scores, Equifax provides a XXXX XXXX. Through Experian, however, I am able to see my XXXX scores across all XXXX reporting agencies. In this case my XXXX across the XXXX agencies is : Experian - XXXX, TransUnion - XXXX, and Equifax - XXXX. 

When I asked Equifax why my score was so low compared to the other XXXX agencies they could provide no quantifiable reason. While they did point out that I have a dispute from a collection agency, I did inform them that the dispute in question has already been resolved and removed from my credit report from Experian and TransUnion. 

These XXXX agencies should all be reporting the same scores to the customers they serve. I believe that this is done to hide their collusion with banks in order to raise doubts to a persons credit and offer higher interest rates for loans.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When checking my Credit Reports at Experian, Equifax, and TransUnion, I found that the XXXX agencies report different numbers. While Experian and TransUnion provide XXXX scores, Equifax provides a XXXX XXXX. Through Experian, however, I am able to see my XXXX scores across all XXXX reporting agencies. In this case my XXXX across the XXXX agencies is : Experian - XXXX, TransUnion - XXXX, and Equifax - XXXX. 

When I asked Equifax why my score was so low compared to the other XXXX agencies they could provide no quantifiable reason. While they did point out that I have a dispute from a collection agency, I did inform them that the dispute in question has already been resolved and removed from my credit report from Experian and TransUnion. 

These XXXX agencies should all be reporting the same scores to the customers they serve. I believe that this is done to hide their collusion with banks in order to raise doubts to a persons credit and offer higher interest rates for loans.

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 2025-06-19 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX 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 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 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 2025-06-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I make two transactions on cash app. one totaling {$59.00} and the other totaling {$100.00} for good I never received. I tried to submit a claim to dispute the money and never got the money back. 

On XX/XX/XXXX I made a transaction totaling {$130.00} for goods that I didnt end up receiving. I tried to submit a claim again because the process for cash app was suppose to have been easier to submit and yet again I still didnt get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am filing a complaint against Transworld Systems Inc. ( TSI ) for attempting to collect a credit card debt allegedly owed to XXXX XXXX XXXX, XXXX. ( account last reported on XX/XX/year> ) without properly validating the debt as required under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

On multiple occasions, I formally requested full validation, including : A copy of the original signed contract, A detailed breakdown of the balance, Proof of legal ownership or assignment of the debt, Certified charge-off documentation, and IRS Form 1099-C ( if the debt was charged off ).

To date, TSI has failed to provide any of the above. Instead, they sent only basic payment options and a balance summary without substantiating the alleged debt. Continuing to collect without proper validation violates 15 U.S.C. 1692e ( false or misleading representations ). Additionally, TSIs actions may conflict with FCRA 623 and 611 due to ongoing reporting of disputed and unverified information to the credit bureaus. 

I am including this complaint as part of a broader effort to protect my rights and stop collection activity on an unverified debt.

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 2025-06-19 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:
( FCRA 1681e ( b ) Unauthorized Inquiries ) To : [ Equifax, Experian ] Dispute Department Unauthorized Inquiry on My Credit Report Demand for Immediate Removal I am writing to formally dispute unauthorized inquiries listed on my credit report, which I obtained from your agency. 

The following inquiry ( XXXX ) appear on my report without my knowledge or consent : Equifax : * XXXX XXXX XXXX  XX/XX/year> Experian : * 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/year> I never authorized these companies to access my credit file, nor did I initiate any credit applications with them. As such, these inquiries violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they report.

Since these inquiries were made without permissible purpose under 15 U.S.C. 1681b, and your agency failed to ensure their legitimacy, I am demanding their immediate deletion from my credit report.

Please conduct a reinvestigation in compliance with 15 U.S.C. 1681i and send me a written statement of the outcome. If the inquiries are not removed, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and potentially pursuing legal action for FCRA violations.

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 2025-06-19 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: FL

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-19 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Creditor refused to take minimum payment and demanded for more money before repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Ive been a Chase credit card customer since XX/XX/year> and have maintained my account in good standing the entire time. My credit score is XXXX, and I hold other credit cards with fixed interest rates as low as 10 %. Despite this, my current Chase interest rate remains at 22 %. 

When I recently requested a rate reduction, I was told I do not meet the XXXX Chase could not specify what those criteria are. This is especially frustrating given that Chase has automatically increased my credit limit over time, from approximately {$10000.00} to {$33000.00}, without any request on my part. However, they still wont consider a lower interest rate or provide guidance on how to become eligible. 

I was advised simply to continue using the card as I have been, with no indication of how much longer I would need to wait beyond the four years Ive already maintained a positive history. They also offered no other contacts or escalation paths for further review. 

I find it unacceptable that a request can be denied without explanation, and that Chase can not clarify the requirements for eligibility. The lack of transparency is concerning, and it raises questions about fairness. I even asked whether factors like race or gender might play a role in this decision, given the lack of clarity I received. 

At this point, I still do not understand why Im not eligible for a lower rate, and I find the process of seeking information to be both frustrating and unproductive. Greater transparency and accountability are clearly needed.

Company response to consumer: Closed with explanation