vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: DC

Complaint narrative:
I am submitting to dispute inaccurate late payment on my credit report, specifically concerning an account. The inaccurate reporting is negatively impacting my credit standing and does not reflect my true payment history or obligations. As outlined in the Fair Credit Reporting Act ( FCRA ), I am entitled to a correct and updated credit report. This letter serves to formally dispute the inaccurate reporting of this account under FCRA 611 ( 15 U.S.C 1681i ), and I am requesting that this item be thoroughly investigated and corrected. I would like to present the details of the account in question and the reasons for my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am disputing the mishandling of my Chase card benefits claim ( XXXX ) administered by XXXX XXXX XXXX Despite complete documentation, I received only {$390.00} of a claim that includes a XXXX repair bill and XXXX loss-of-use ( covered under the benefits terms ). I accepted the partial payment without prejudice and requested a secondary review on XX/XX/year>, but have not received a response. I request CFPB assistance to prompt a full review and supplemental payment. Company : JPMorgan Chase Bank , N.A . ( benefit provider/administrator channel ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

Account number : 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 2025-10-30 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2900.00} Reason : This account is reporting late payments and other inconsistencies that are inaccurate. I have verified my records and payment history, and the information being reported does not reflect accurate data. I am requesting that this account be fully investigated and corrected or deleted from my credit file under my rights per the Fair Credit Reporting Act ( FCRA ), Sections 602 and 611. 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Reason : This account also shows inaccurate or outdated information. Since the account is closed and carries a XXXX balance, any indication of recent activity, delinquencies, or late payment history is incorrect and must be removed. Please confirm the reporting with the furnisher and ensure accuracy in compliance with the FCRA 607 ( b ) and 611 ( a ).

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 2025-10-30 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2900.00} Reason : This account is reporting late payments and other inconsistencies that are inaccurate. I have verified my records and payment history, and the information being reported does not reflect accurate data. I am requesting that this account be fully investigated and corrected or deleted from my credit file under my rights per the Fair Credit Reporting Act ( FCRA ), Sections 602 and 611. 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Reason : This account also shows inaccurate or outdated information. Since the account is closed and carries a XXXX balance, any indication of recent activity, delinquencies, or late payment history is incorrect and must be removed. Please confirm the reporting with the furnisher and ensure accuracy in compliance with the FCRA 607 ( b ) and 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to ALLY FINANCIAL dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), ALLY FINANCIAL has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since ALLY FINANCIAL did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure ALLY FINANCIALs immediate compliance with FCRA requirements. 

ALLY FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered financial harm due to these violations and am entitled to resolution in the form of deletions. These inaccuracies have caused me to get denied for credit. Im trying to purchase a home for my family but have failed to do so because of my credit report. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
On XX/XX/year>, I was contacted by ZIONS Debt Holdings, which claimed I owed a debt of {$710.00}. I immediately requested a debt validation letter, along with a copy of the original contract, details of the original creditor, and a copy of my inked signed agreement. I also informed them that my personal information has been compromised due to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my request, I have not received any of the requested documentation. Except for a XXXX document. Moreover, this disputed collection continues to appear on both my XXXX  and XXXX  credit reports, which I believe is inaccurate without proper validation. I respectfully dispute this debt and request that it be removed from my credit reports until proper validation is provided. 

I am formally disputing this debt on the following grounds : XXXX XXXX XXXX Lack of Authorization * * : I did not authorize the establishment of this account with the entity to which you claim I owe money. I have not signed any application or agreement pertaining to this account. The alleged contract appears to be a XXXX document ; however, it lacks my handwritten signature. If this XXXX document exists, it fails to provide valid proof of my consent to the alleged debt, as a digitally signed contract does not necessarily indicate intent. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  : I suspect that this account was opened fraudulently in my name by an unauthorized third party. I am a victim of identity theft. 

XXXX XXXX XXXX  Invalid Agreement XXXX XXXX XXXX Given that I did not authorize the creation of this account, any purported agreement is null and unenforceable against me. There is no legal basis for you to pursue the collection of this debt from me. 

XXXX XXXX XXXX Incorrect Address XXXX XXXX  : At the time the alleged agreement was created or signed, I was not residing at the address indicated in the document. This further substantiates my assertion that I did not open this account and that it is fraudulent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX SSN : XXXX XX/XX/year> To : United Revenue ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Dispute, Debt Validation Demand & Cease and Desist Account # XXXX / XXXX / XXXX / XXXX Dear United Revenue ( Original Creditor : XXXX XXXX XXXX  ), I am writing to formally dispute the reporting of the above-referenced account you have furnished to the consumer reporting agencies. The information you are providing is inaccurate, misleading, and non-compliant with federal law, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Consumer Data Industry Association ( CDIA ) Metro 2 reporting guidelines.

Specific Issues with this Account : - The account is reported inconsistently across the credit bureaus, with conflicting Date Last Active, Balance, and Payment Status, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

- Duplicative or re-aged entries appear for the same alleged debt, in violation of FCRA 1681i and Metro 2 standards. 
- Status codes reflect both charged off and open/collection, which is contradictory and misleading. 
Required Actions : 1. * * Full Validation of the Alleged Debt * * Provide a complete account-level breakdown, original signed contract, itemized payment history, and assignment/ownership documentation proving your legal right to collect or report. An electronic confirmation is insufficient under FCRA/FDCPA. 2. * * Correction or Deletion * * If you can not validate with full documenta
tion, you must immediately request deletion of this account with all credit reporting agencies pursuant to FCRA 1681s-2 ( b ).

3. * * Metro 2 Compliance * * Correct any re-aging, duplicate reporting, or improper status codes.

4. * * Cease and Desist Notice * * Effective immediately, you are to
cease all collection communications, calls, and correspondence regarding this account until full validation is provided as required under FDCPA 809 ( b ). Any further attempts to collect prior to validation will constitute a willful violation of federal law. 

Notice of Intent to Litigate : If you fail to properly validate or delete this account within 30 days of receipt, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals office, and consider pursuing a civil action for statutory damages, punitive damages, attorneys fees, and costs under both FCRA and FDCPA. 

This letter serves as your notice and opportunity to cure. Please respond in writing with the required documentation. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am submitting to formally dispute multiple inaccuracies appearing on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported and to dispute any information that is incomplete, inaccurate, or unverifiable. I am disputing the reporting of a charge-off, several collection accounts, and an inquiry which are either inaccurate, unverifiable, or do not belong to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-10-30 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: AR

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) regarding the inaccurate reporting of a late payment associated with the account XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ). This account is being reported with a late payment that I believe to be incorrect, as I have no record or documentation supporting that a payment was missed or reported delinquent. Despite my previous dispute, this inaccurate information continues to appear on my credit report, and I have not received verification, supporting documentation, or a proper explanation from XXXX. This failure to provide verification and maintain accurate reporting violates the FCRAs requirements that all information furnished to and reported by credit bureaus be complete, accurate, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am submitting to formally dispute certain items on my credit report that I believe are inaccurate and no longer reflect my true financial standing. These items include outdated information, inaccurate charge-off statuses, unverified collections, and inquiries made without my consent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these discrepancies be investigated and corrected promptly. Below are the details of the items I am disputing, along with the reasons for my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$660.00} XXXX XXXX * Balance XXXX : {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Owed : {$170.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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 2025-10-30 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: KY

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$22000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: KY

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$22000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-10-30 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: TN

Complaint narrative:
I am writing to formally dispute the following accounts and inquiry that appear on my Experian credit report. I believe these items are the result of a data breach and/or unauthorized use of my personal information. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that Experian conduct a full reinvestigation and remove these accounts and inquiries if they can not be verified as accurate and fully authorized by me. 
Accounts in Dispute : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} INQUIRY : 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