vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents.See the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: VA

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!

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 2025-07-10 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: VA

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am writing your department again about the Fraudulent use of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting fraudulently on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease. I am listing below again the accounts and inquires that are not mine. They are a result of identity theft. 

1. Identity Theft XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX 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 2025-07-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that no proof of the alleged debt. Nor any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX Balance {$600.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-10 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: NJ

Complaint narrative:
I am filing this complaint against Experian due to their continued reporting of a materially inaccurate and noncompliant account from XXXXXXXX XXXX Delaware. Despite formal dispute letters citing clear violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 formatting standards, Experian has failed to take corrective action. 

The tradeline in question ( account ending in XXXX ) is reported as : Charged off while simultaneously showing a past due balance of {$5200.00} Balance exceeds the credit limit of {$4400.00} with no itemization or explanation Status last updated in XX/XX/XXXX, but reflects new activity in XX/XX/XXXX, with no recent consumer authorization or transaction Inflated post-charge-off balance, in violation of XXXX XXXX XXXX and 1681e ( b ) Experian has failed to conduct a reasonable reinvestigation per 15 USC 1681i ( a ) ( 1 ), and continues to rely on unverifiable furnisher data returned via e-OSCAR without performing a field-by-field Metro 2 data audit . 

This account is currently the subject of active litigation filed by XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX GA ), meaning the accuracy and legitimacy of the balance is legally in question yet Experian continues to report it as verified. 

Consumer Harm and Legal Violations Experians failure to correct or delete this account is a violation of the following : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed data 15 U.S.C. 1681g ( a ) Failure to provide documentation used in verification Metro 2 ( CDIA e-OSCAR ) Conflict in status codes ( charged off + past due ) Willful noncompliance under 1681n and 1681o

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed this account multiple times with both the credit reporting agency and the furnisher, requesting full debt validation and correction of inaccurate reporting. The company has continued to report a charge-off status with an active balance and late payments, which contradicts the accounts closed status and creates a misleading credit profile.

I requested the following information : A copy of the original signed agreement or contract A full payment history Proof of charge-off, including date and accounting basis Verification that the debt and payment status are being accurately reported per FCRA 1681i and 1681s-2.

I never received proper validation or documentation. Despite my dispute ( s ), the company continues to report this negative tradeline with inconsistent and unverifiable data. This violates the Fair Credit Reporting Act ( FCRA ), which requires the reporting of accurate and verifiable information, especially after a consumer initiates a formal dispute.

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 2025-07-10 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: IL

Complaint narrative:
I disputed this account multiple times with both the credit reporting agency and the furnisher, requesting full debt validation and correction of inaccurate reporting. The company has continued to report a charge-off status with an active balance and late payments, which contradicts the accounts closed status and creates a misleading credit profile.

I requested the following information : A copy of the original signed agreement or contract A full payment history Proof of charge-off, including date and accounting basis Verification that the debt and payment status are being accurately reported per FCRA 1681i and 1681s-2.

I never received proper validation or documentation. Despite my dispute ( s ), the company continues to report this negative tradeline with inconsistent and unverifiable data. This violates the Fair Credit Reporting Act ( FCRA ), which requires the reporting of accurate and verifiable information, especially after a consumer initiates a formal dispute.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed this account multiple times with both the credit reporting agency and the furnisher, requesting full debt validation and correction of inaccurate reporting. The company has continued to report a charge-off status with an active balance and late payments, which contradicts the accounts closed status and creates a misleading credit profile.

I requested the following information : A copy of the original signed agreement or contract A full payment history Proof of charge-off, including date and accounting basis Verification that the debt and payment status are being accurately reported per FCRA 1681i and 1681s-2.

I never received proper validation or documentation. Despite my dispute ( s ), the company continues to report this negative tradeline with inconsistent and unverifiable data. This violates the Fair Credit Reporting Act ( FCRA ), which requires the reporting of accurate and verifiable information, especially after a consumer initiates a formal dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXXXXXX XXXX Date : XX/XX/2025

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase Freedom Unlimited credit card on XX/XX/2025. At the time on the company website it was advertised that I would receive one-time {$250.00} cash back bonus for new cardholders ( which I was ) if I spent {$500.00} on the card within the first 3 months after the card was approved. ( Since then they have changed the sign up bonus offer but as of today they are still advertising a {$200.00} cash back on the same card https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited ). 

My application was subsequently approved on XX/XX/2025. I received an approved email and several days later received the card in the mail, activated it and began using it. I had reached the minimum spend on the card by XX/XX/2025 well within the required time frame to receive the {$250.00} cash back bonus. 

I noticed that I had not received the bonus a few days later but assumed that maybe it would take some time to process. I called Chase on XX/XX/2025 and I was told that I would received the bonus at the start of the next billing cycle, which would be XX/XX/XXXX. I still hadn't received it on XX/XX/XXXX so I called again. This time they said they would look into it and would send me a confirmation email with the dispute information ( which I never received ) and would hear back by XX/XX/XXXX after the long holiday weekend. I called again on XX/XX/XXXX as I hadn't heard anything and this time was told that " yes, I was approved for the credit card, but I was not approved for the bonus. Instead I was approved for an additional 1.5 % cash back on my spend '' ( for comparison 's sake, it would take a minimum spend of {$16000.00} to earn the equivalent of the {$250.00} bonus I should have received for spending just {$500.00} ). I insisted that this reward is not nearly equivalent to the advertised one I applied and that my {$250.00} cash back bonus should be paid out, but was told again that I " was not approved for the bonus ''. I explained that it is illegal to not honor the advertised offer I applied for or change the terms without notifying me, and all I was offered was to leave feedback. 

No terms were ever sent indicating that I would not received the applied bonus. I never elected to receive a different reward. Chase in this case simply did not honor the bonus reward I applied for and I would like my {$250.00} that is owed.

Company response to consumer: Closed with non-monetary relief