vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX BANK XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8100.00} XXXX XXXX - XX/XX/XXXX - {$2400.00} Hard Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-19 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: NJ

Complaint narrative:
This complaint is about a separate Chase credit card account ending in XXXX that was reported as a charge-off. This issue is completely different from any late-payment matter and involves a different account and a different problem. 
I requested that Chase provide the legally required documentation showing the basis for reporting a charge-off. Specifically, I asked for proof that billing statements were mailed or delivered at least XXXX  days before each due date, as required under 15 U.S.C. 1666b, and that the statements included the disclosures required under 15 U.S.C. 1637 ( b ). I also requested proof of the written negative-reporting notice required under 15 U.S.C. 1681s-2 ( a ) ( 7 ). 
Chase did not provide any of this documentation. They only sent internal statements that do not prove mailing, delivery, disclosure compliance, or proper notice. Without these required validations, the charge-off is unverified and is being inaccurately reported on my credit file. 
I am requesting assistance because this charge-off reporting has not been validated according to federal law and is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting any information regarding my delinquency or derogatory behavior. I expect this information to be reported accurately, completely, and in full compliance with all established laws and standards, including Metro 2 data field formatting. I challenge you to provide documented evidence supporting each claim, verified as correct, complete, and true. According to the XXXX XXXX : ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. Based on my review, your report appears inaccurate, and I can not confirm the validity of your claims. 
I am formally disputing the accuracy of certain items in my credit report obtained from your agency. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation of the following disputed item. I obtained a copy of my credit report from the credit bureaus and discovered that the account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} has been reinserted into my credit file. 
Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), you are legally required to notify me within XXXX ( XXXX ) business days of any reinsertion of previously deleted information. Specifically : XXXXCertification of Accuracy : Any reinserted information must be certified as complete and accurate. 
XXXXNotice to Consumer : The consumer must be notified in writing within XXXX business days of the reinsertion. 
XXXX.Additional Information : The notice must include : oA statement that the disputed information has been reinserted. 
oThe business name, address, and phone number of the furnisher of the information. 
oA notice that the consumer has the right to add a statement disputing the accuracy or completeness of the information. 
I did not receive any such notification. I have been closely monitoring my credit file and have maintained precise records of all reports received from the bureaus. Based on my records, it is clear that this reinsertion occurred without the required notification, which constitutes a violation of the FCRA.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute for the following accounts and inquiries listed in my credit report. I have noticed inconsistencies in how these items are reported and request that they be reviewed and corrected. 

Charged-Off Accounts XXXX  Account Number : XXXX Opened : XX/XX/year> Balance : {$34000.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/year> Balance : {$84.00} Inquiries XXXX XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX  XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX : XX/XX/year>XXXX XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My Apple Card account was closed based on incorrect information, and Apple/Goldman Sachs has refused to properly investigate the issue despite multiple requests. The company claims that I was behind on several payments, which is not true. XXXX XXXX confirmed that the only missed payment was in XXXX, yet Apple/Goldman Sachs reported multiple months of late payments to XXXX. XXXX also verified that the negative reporting came directly from Apple/Goldman Sachs .

In addition, there are unauthorized transactions on my account that were not made by me. Some of these charges appear under another persons name, and I provided evidence and official reports showing that the transactions do not belong to me. Despite this, the company insists that I made these charges and refuses to investigate them thoroughly. 

Several representatives admitted there were errors on my account, but other representatives denied it and provided contradictory explanations. I have been given inconsistent information every time I contact support. This makes me believe the company is avoiding responsibility for their mistakes. I requested copies of my statements, investigation reports, dispute documentation, and account closure details, but I have not received the proper information. 

This situation has damaged my credit, caused confusion, and left me without a clear explanation for the account closure. I am requesting a full investigation into the unauthorized transactions, a correction of inaccurate credit reporting, and a proper review of the account closure decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  reoprted a collection on my Experian credit report i submitted a dispute as i have never recieved of talked with this company. Experian came back in less then XXXX hr and saying verified how can this be verified if i never had right to dispute this under 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this formal complaint against TransUnion on behalf of XXXX XXXX, due to TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) and its inability to conduct a lawful, complete reinvestigation within the XXXX statutory window required under FCRA 1681i ( a ). TransUnion is now past due on its legal responsibility to investigate and correct the disputed entries. Despite the dispute being submitted properly, TransUnion allowed the XXXX period to expire without providing verifiable results and continued to report the same inaccurate and harmful information, which is a direct violation of federal law. 

Upon reviewing the TransUnion credit file, multiple discrepancies and inconsistencies were identified in the reporting of several accounts. These include inaccurate payment status codes, conflicting dates of last activity vs. last payment, improper delinquency reporting, and unverifiable data. Instead of performing a full reinvestigation as required by law, TransUnion allowed these errors to remain, harming the consumers credit standing and financial opportunities. 

The following accounts contain inaccurate, unverifiable, or improperly reported information : XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX These accounts contain irregularities such as XXXX and XXXX delinquency reporting that does not align with valid industry coding, contradictory date last active and date of last payment, reporting of charge-off statuses without proper verification, and incomplete or incorrect balances and past-due information. The account histories are inconsistent with standard Metro-2 reporting requirements and lack documentation showing lawful verification. Because TransUnion failed to respond within XXXX  days, all continued reporting of these entries without verification constitutes an unlawful handling of the dispute and a violation of the consumers rights under the FCRA. 

TransUnion can not miss the XXXX legal deadline and continue reporting the same data without proper validation. This failure has directly harmed the consumers creditworthiness, raised financial risk indicators, and interfered with the ability to obtain fair credit, housing, and financial terms.

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 2025-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation
State: VT

Complaint narrative:
b"I kept receiving calls from XXXX  XXXX. They stated I owed XXXX because they bought my auto loan. they wanted me to pay in full or in increments. I told them I couldn't. I waited two yrs. and decided to fix my credit. I called XXXX XXXX XXXX XXXX XXXX and requested who bought the loan and their phone number. XXXX  stated XXXX XXXX collected it and their phone number was XXXX XXXX. \nI called XXXXXXXX  and paid in full. XXXX to make my loan right. I called in August XXXX  questioning why my credit isn't getting better. They said it would take XXXX  Days from the date I paid to reflect back on my credit. I kept waiting. I called again XXXX requesting why my credit score was still showing an auto loan and verified they would send me a receipt and paid in full letter to my email. They stated it hadn't been XXXX  days, and they agreed to sending me a receipt and letter to my email when the XXXX  days past. we updated my email that phone call.\n It is now XXXX XXXX XXXX one month after my XXXX  days and my credit is showing the charge off auto loan still and updated as CC, thanks to XXXX XXXX XXXX  Mobile App, which uses XXXX. \nAlso I am receiving calls from XXXX XXXX XXXXs and XXXX  XXXX XXXX.\nThey never sent a receipt or letter, and XXXX XXXX XXXX  shows a balance of XXXX and the monthly payment is XXXX  which means the bank thinks my payment is dead. Yet XXXX XXXX  didn't close it out as promised. They took my money, stalled, lied, and now I want every cent back."

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX  * ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting the following dispute regarding inaccurate credit reporting across XXXX major credit bureaus. Below are the details of the accounts in question, which I request be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/year>, Balance : {$21000.00} Late Payment Accounts : XXXX, Account Number : XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute several inaccuracies and incomplete entries in my credit report from the credit reporting agencies ( CRAs ) as detailed below. These discrepancies involve charged-off accounts and inquiries that I believe are incorrectly reported or otherwise do not meet the standards of accuracy under the Fair Credit Reporting Act ( FCRA ). Kindly investigate and resolve the issues presented for the following accounts : Charged-Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$200.00} Inquiries : XXXX, Date : 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to dispute the following accounts reported on my credit report. The information provided for these accounts is inaccurate or incomplete, and I am requesting that the appropriate corrections be made. 

CHARGE OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}

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