vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-25 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 am a victim of identity theft. Someone has used my personal information to open up a cell phone account and a credit card account. Ive never gave anyone authorization or permission to open up any account in my name without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AZ

Complaint narrative:
My personal information was compromised in data breaches involving XXXX XXXX, XXXX, and Equifax. The following accounts were affected : XXXX XXXX XXXX XXXX : {$630.00} XXXX  : {$890.00} XXXX : {$630.00} XXXX XXXX : {$3100.00} XXXX XXXX XXXX  : {$1100.00} XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XXXX : {$2300.00} XXXX XXXX  XXXX : {$1100.00} XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXXXXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AZ

Complaint narrative:
My personal information was compromised in data breaches involving XXXX XXXX, XXXX, and Equifax. The following accounts were affected : XXXX XXXX XXXX XXXX : {$630.00} XXXX  : {$890.00} XXXX : {$630.00} XXXX XXXX : {$3100.00} XXXX XXXX XXXX  : {$1100.00} XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XXXX : {$2300.00} XXXX XXXX  XXXX : {$1100.00} XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXXXXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00} 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 2025-07-25 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: NM

Complaint narrative:
so on XX/XX/year> XXXX XXXX XXXX sent out a FTC identity theft report along with a cover letter disputing recognized and non recognized negative accounts and remarks and informed them I never gave consent to the creditors nor the CREDIT BUREAU Experian to report these Negative accounts and remarks as well as SOFT and HARD inquiries either and I informed them of the LAWS And Rights of mine like the FCRA that clearly states when submitting a FTC identity theft report and requesting that they remove the NEGATIVE accounts and all soft and hard inquiries that are reporting with out my consent and are negatively impacting my credit score and impacting my ability to obtain credit! the FCRA states that they legally only have 4 Business days " FOUR " Business days from when they receive a consumers FTC ID THEFT Report to remove the Negative accounts and remarks that were posted on the consumers credit profile with out the consumers consent and to do as the consumer requested and they received all that from me certified mail return receipt on XXXX I have proof from the XXXX mailing and they still have not followed the law or abided by my rights as a consumer like the FCRA 4 business day rule and continue to treat MY FTC IDENTITY THEFT REPORT AND Disputes as if its a regular dispute when it is NOT! because my personal information DOB Drivers License number and social security number and address name and other personal info was provided to 3rd party collection companys and also shared to the credit bureaus and negative info placed on my credit profile " with out my consent! '' and they refuse to do what they are legally obligated to do and continue to tell me I have to wait 30 days for the creditors to respond but that's not what the law says when doing a FTC id theft report and disputes please enforce them to do what they have to do according to the FCRA immediately This will be my final attempt to resolve the matter and if they still fail to do what I've requested I will have no choice but to file a law suit against the creditors and credit bureaus involved! thank you

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, and Experian has unlawfully reinserted a fraudulent account onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1681c-2. 

I originally disputed the fraudulent accounts on or before XX/XX/XXXX, and Experian marked the investigation as completed on XX/XX/XXXX. Then, on XX/XX/XXXX, I received XXXX emails all within about XXXX minutes, during the middle of the night even though I did not initiate a new dispute. 

The first email stated a dispute had been opened, the second said it was updated, and the third email stated that previously blocked information was being unblocked and reinserted into my report. This all occurred within roughly XXXX hours. 

Experian was not legally allowed to reinsert any information unless a reinvestigation was completed within 15 days of the conclusion of the original dispute. That deadline has long passed. Additionally, it is not possible that a lawful reinvestigation could have taken place in such a short time span and without any new documentation from me. This strongly suggests an automated and fraudulent attempt to reinsert previously disputed information outside of the legal time frame. 

Experian also failed to meet the legal reinsertion requirements : They did not conduct a full reinvestigation, They ignored the fact that I had already submitted a valid identity theft report through XXXX. 

This is a direct violation of my rights under the FCRA and an abuse of the credit reporting system. 
I will attach a time line of proof in this order Screenshot of dispute first initiation Credit file at the time Screenshot of dispute completed Credit file updated Screenshot of unlawful reinvestigation not initiated by me Current Credit file This will prove that they waited way beyond the 15 day time limit from initial 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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Repeated phone calls, I have received 8 phone calls in 3 days, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
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.

XXXX  - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I disputed a collection account reported by XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) with Equifax. After the reinvestigation, Equifax verified the account as accurate and updated unrelated information, but did not remove the account. However, XXXX  reviewed the same account and chose to delete it from my credit file.

I am requesting that Equifax provide a detailed explanation of how their reinvestigation was conducted, including : What sources were used during the investigation Who verified the debt ( e.g., the original creditor or the collection agency ) The exact documentation used to determine the accuracy of the debt Under the Fair Credit Reporting Act ( FCRA ), I have a right to know how the reinvestigation was handled. I also request the name, address, and telephone number of the furnisher of the information.

I believe this reinvestigation may not have been properly conducted, especially given that another major credit bureau determined the account was invalid and removed it.

I am asking the CFPB to help facilitate a response from Equifax that includes a full explanation of the reinvestigation method, as required under FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: CO

Complaint narrative:
I was scammed and key bank didnt properly conduct the transactions even though I gave them plenty of proof and did not authorize charges and lost thousands of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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 Sincerely, 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 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CT

Complaint narrative:
I purchased a gold chain for {$380.00} from XXXX XXXX XXXX using Zips Buy Now, Pay Later service. 

XXXX days after delivery, the chain broke while my daughter was wearing it. I immediately contacted the jeweler multiple times via XXXX and phone but received no response. I then contacted Zip to dispute the charge and request assistance. 

Zip only processes payments and told me to resolve the issue with the merchant directly, despite the sellers unresponsiveness. I also submitted my receipt and a photo of the broken chain to Zip, but they have not offered a solution or paused payments. 

I am seeking help because the merchant is unresponsive, and Zip has not fulfilled its responsibility to assist customers when merchants fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive tried to delete addresses on my report that dont belong to me or iced never lived at

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 2025-07-25 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: PA

Complaint narrative:
In XXXX I opened a secured account with a XXXXXXXX XXXX deposit and credit line. After 6 months of paying on time the deposit was supposed to be returned to me. It was not. I closed my account in XXXX and requested that the deposit be refunded or applied to the balance and I was told it would be but it was not. The account is on my credit report as in collections with a balance way higher than the limit due to the interest and late fees. I disputed the account and my dispute was denied. The deposit should be either applied to the balance and the interest and late fees be reversed or refunded to me. If the deposit is not going to be applied and the penalties reversed and the account corrected on my credit report it should be refunded to 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 non-monetary relief
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
In XXXX I opened a secured account with a XXXXXXXX XXXX deposit and credit line. After 6 months of paying on time the deposit was supposed to be returned to me. It was not. I closed my account in XXXX and requested that the deposit be refunded or applied to the balance and I was told it would be but it was not. The account is on my credit report as in collections with a balance way higher than the limit due to the interest and late fees. I disputed the account and my dispute was denied. The deposit should be either applied to the balance and the interest and late fees be reversed or refunded to me. If the deposit is not going to be applied and the penalties reversed and the account corrected on my credit report it should be refunded to 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 2025-07-25 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:
During my routine check of my credit report, I discovered some discrepancies that hadnt been there before. I attempted to refresh the page thinking it could be a simple glitch, but the inaccurate information was still present. Therefore, I kindly ask that the documents Ive provided be carefully reviewed to help resolve this issue once and for all.

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 2025-07-25 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: William D. Meeker Enterprises, Inc.
State: NY

Complaint narrative:
I am filing this formal complaint to dispute an unauthorized hard inquiry that appeared on my credit report on XX/XX/year>. I did not authorize this inquiry, and I was never informed, nor did I provide written or verbal consent, as required under federal law 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report in connection with a credit transaction with the consumers authorization.

Additionally, 15 U.S. Code 1681b ( f ) prohibits any person from obtaining a consumer report unless they have a permissible purpose and proper authorization from the consumer.

Failure to comply with these laws constitutes a violation of the FCRA, and such unauthorized inquiries must be investigated and removed. 

XXXX XXXX XXXX INQUIRY DATE XX/XX/year> opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( s ) within 30 days, you are required by law to delete the information from my credit file. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
b'I received a text message from this number XXXX XXXX XXXX XXXX regarding an outstanding traffic ticket. I was unaware of this traffic ticket but I have not been pulled over or received a traffic ticket. I believe this is a scam text because when I did try to pay for the ticket which was XXXX. The XXXX  website I was on to complete the payment would freeze and not allow me to complete the transaction. I attempted multiple times but no progress was made and now i am afraid I may have fallen into a scam and may have hacked bank account.'

Company response to consumer: Closed with explanation