vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NY

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 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 2025-07-22 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: TX

Complaint narrative:
Been complaining about the validity of account XXXX  is attempting to collect.Experian and Equifax has removed the alleged account but Transunion did not provide reinvestigation at all violating noncompliance 15 USC 1681 ( i ) ( 6 ) B ( 3 ) and 15 USC 1681 ( i ) a ( 1 ) A for noncompliance since 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 XXXX 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 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 2025-07-22 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: TX

Complaint narrative:
This is my third filing a compalint and final notice requesting that you investigate and remove the following items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ).

Under this section, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose, as defined by law. I have repeatedly requested proof that the following party/parties had a legally permissible purpose to access and report information on my credit file : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX 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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: RFNA, LP
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a Request for Confirmation and Clarification Regarding Form IRS 1099-C and Debt Cancellation to Republic Finance , ( Acct # XXXX ; XXXX ) they did not furnish this information within the 30 days as requested in the letter. 

The debt in question originated from Republic Finance and was transferred to XXXX XXXX XXXX. In the last several days, I have continuously received correspondence to my email address and text messages requesting a payment or settlement amounts in the last week. I mailed a Cease and Desist letter on XX/XX/XXXX asking to put an end to all communication and I no longer received correspondence via phone, mail or text from Republic Finance. The last email was dated on today, XX/XX/XXXX by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
After receiving an improper denial of my XX/XX/XXXX application, I submitted a written reconsideration request on XX/XX/year>, requesting judgmental underwriting in accordance with Regulation B and OCC guidance. I did not complete or authorize a new application, and I did not provide written consent for another credit inquiry.

On XX/XX/year>, JPMCB Card Services initiated a second hard credit inquiry on my XXXX  report without my knowledge or permission. I received a notification from XXXX XXXX in real time. When I called Chase to object on XX/XX/XXXX, their representative ( XXXX XXXX, C

redit Bureau Escalations ) told me that you authorized the inquiry when you asked for reconsideration. This is false and misleading. There was no disclosure that a reconsideration request would trigger a new inquiry, and Chase never provided a copy of any application or consent form associated with that XX/XX/XXXX inquiry. 

Under 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act, Chase is prohibited from obtaining a consumer report without a permissible purpose or written instruction from the consumer. Neither applies here. My reconsideration letter explicitly asked that my existing application be reviewed, with no new consent given.

Chases conduct violates the FCRA, misleads consumers about their rights, and has negatively affected my credit profile without lawful basis.

Additionally, Chases failure to provide required disclosures, coupled with misrepresentations about my application and credit report usage, constitutes an unfair and deceptive act or practice under the CFPBs UDAAP authority. These actions misled me about my rights, impaired my ability to obtain
credit, and undermined my ability to dispute inaccurate or unauthorized activity. I request the CFPB to investigate Chases policies and practices for potential UDAAP violations.

A prior CFPB complaint ( XXXX ) regarding an unauthorized hard inquiry by JPMCB Card ( Chase ) reached resolution through Chase removing the inquiry, demonstrating CFPB recognition of this type of violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 complaint serves as my fourth and final formal notice regarding the fraudulent account appearing on my credit report, which are a direct result of identity theft. I have previously sent three dispute letters, along with sufficient documentation, but the matter has not yet been resolved.Collection XXXXXXXX XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: LEXISNEXIS
State: AZ

Complaint narrative:
agency has violated my consumer privacy rights as established under federal law. Specifically, the actions takenor failure to actare in direct conflict with the Fair Credit Reporting Act ( FCRA ), as outlined in the following provisions : - 15 U.S. Code 1681 ( a ) ( 4 ) This section explicitly recognizes the consumers right to privacy and mandates that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for that privacy. - 15 U.S. Code 1681n Establishes civil liability for willful noncompliance, allowing consumers to seek actual damages or statutory damages ranging from {$100.00} to {$1000.00}. - 15 U.S. Code 1681o Establishes civil liability for negligent noncompliance, including the recovery of actual damages and reasonable attorneys fees in successful actions. - Under 15 U.S. Code 1681 ( a ) ( 4 ), I am asserting my right to privacy. The continued reporting of a bankruptcy on my consumer report is a violation of this right. I am formally requesting that you delete this information immediately. Failure to comply will result in my pursuing monetary damages in small claims court within my jurisdiction. Please be advised that I have also filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, the XXXX XXXX XXXX XXXX  XXXX  ), and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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, FL XXXX XXXX XXXX XXXX Subject : DEMAND FOR IMMEDIATE DELETION OF UNLAWFUL LATE PAYMENT REPORTING. 

To whom it may concern, I am filing a complaint because my creditor is reporting late payments on my account. This letter serves as a formal demand for the immediate deletion of falsely reported late payments on my credit report. The reporting of these late payments violates multiply creditor laws. They may not report any transactions on a credit card account under an open end consumer federal laws including but not limited to 15 U.S.C. 1666b, 15 U.S.C.1637b and 15 U.S.C.1681s-2 ( a ) ( 7 ).

Please ensure this inaccurate information is removed immediately.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing a collection account listed on my credit report because I do not owe this debt. The account was placed by a collection agency that I have never done business with, and I was never notified of any debt. I am requesting verification and supporting documentation to prove that I am legally obligated to pay. So far, I have not received any proof from the company. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am asking for this account to be investigated and removed from my credit report if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
There are several inquiries on my consumer report I'm unaware of and have no knowledge of who and why these are listed after numerous disputes and conversation no verification has been provided regarding the incorrect information on my report my rights have been violated extremely beyond measures this has stopped me from being able to obtain credit this information does not belong to me and is in fact inaccurate according to the FCRA my privacy rights as a consumer have been bruised and misused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 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 XXXX 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 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 2025-07-22 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: NJ

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 XXXX 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 2025-07-22 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: RI

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 XXXX take some time to respond but this is so unprofessional. My name is XXXX 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 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 2025-07-22 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: RI

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 XXXX take some time to respond but this is so unprofessional. My name is XXXX 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
The company began reporting a collection account in XX/XX/year>, but failed to include the original Date of First Delinquency ( DOFD ), which is required under the Fair Credit Reporting Act ( FCRA 6059 ( c ) ) to determine how long the debt may be reported. This misrepresents the age of the debt and may amount to unlawful re-aging. I mailed multiple written debt validation requests to the company over the past year, and the company has failed to respond or provide documentation from original creditor, in violation of the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). The debt also appears to be time-barred under Colorado law ( Colo. Rev. Stat. 13-80-103.5 ). I am requesting immediate deletion of the account from all credit reporting and a full stop to any collection activity. I can provide supporting documentation, including copies of mailed requests and certified mail tracking, if needed to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$37000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$37000.00}

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