vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Equifax regarding several inaccurate and misleading collection and charge-off accounts that continue to appear on my credit report. The accounts in question are : XXXX ( account ending in XXXX ) opened on XX/XX/XXXX with a reported balance of {$0.00}, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$240.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) showing a charge-off amount of {$550.00}, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1400.00}, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a balance of {$750.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ) opened on XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) opened on XX/XX/XXXX with a balance of {$520.00}, and XXXX ( XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a balance of {$0.00}. 

Many of these accounts are either listed with a {$0.00} balance but still flagged as derogatory, or are reported without sufficient validation or context. This type of reporting not only misrepresents my current credit obligations but also causes tangible harm to my credit profile. These entries suggest ongoing or unresolved delinquency when in fact they are either resolved, paid, or can not be verified. 

According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), Equifax is obligated to promptly investigate disputed items and delete any information that can not be verified with documentation provided by the original creditor or data furnisher. 

These accounts continue to damage my ability to access fair credit opportunities. The presence of unresolved, inaccurately labeled, or unsupported derogatory marks lowers my credit score, affects how lenders view my creditworthiness, and results in financial consequences I do not deserve. When accounts report {$0.00} balances but remain listed as active collections or charge-offs, it violates the maximum possible accuracy standard under the FCRA and creates a misleading credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

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
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I spoke with customer service and they agreed to change the status of the late payments as positive or current As I am writing to formally address an issue regarding my account XXXX XXXX XXXX XXXXXXXX XXXXXXXX, that I believe violates the Fair Credit Billing Act, specifically 15 U.S.C. 1666b.

It has come to my attention that late payments have been reported on my credit file. As stated in the aforementioned law, credit card companies are prohibited from reporting late payments under certain circumstances. Given that I have complied with all terms of my agreement with XXXX XXXX, I believe that the reporting of these late payments is unjustified and detrimental to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Creditor : JPMCB Card Services Account Type : Credit Card Late Payment Date in Question : XX/XX/year> Reported Balance : {$0.00} Account Status : Closed Other Information : I am not disputing the account itself only the accuracy of the XX/XX/year> payment history. 



Reason for Dispute : The late payment for XX/XX/year> is inaccurately reported. Based on my records and the fact that the account is now closed with a reported balance of {$0.00}, there should not have been any past due amount reflected at that time. This suggests the late mark may have been reported in error or should be removed as a goodwill adjustment. 



Actions Taken : I reviewed my payment history and did not identify a missed payment in XX/XX/year>. 
The account currently shows a {$0.00} balance and is closed, further indicating no past due payment should have been recorded. 
I contacted the creditor to discuss the issue and am now formally requesting a correction through the credit reporting agency, per Section XXXX of the Fair Credit Reporting Act ( FCRA ). 



Please investigate this matter and remove the XX/XX/year> late payment from my credit file while leaving the rest of the account history intact. I would appreciate written confirmation once the adjustment is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-19 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: CA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX  for Inaccurate Credit Reporting and Unjust Account Handling To Whom It May Concern, I am filing this complaint to formally report a serious issue involving XXXX XXXX XXXX, which has caused unjustified damage to my credit score and financial reputation, despite multiple attempts to resolve the matter directly with the company. 

Summary of the Problem : In XX/XX/year>, I applied for and received a credit card from XXXX XXXX XXXX. 

Upon activation, I was told I could not use the card due to a missing document, specifically an ID with my current rental address. 

I informed the representative that I was not willing to update my ID because I was temporarily renting at that address and would be moving soon. I requested the account be canceled immediately. 

I was explicitly assured over the phone that the account would be closed, that the annual fee would be waived, and that I should disregard any billing statement I might receive. 

When I requested written confirmation, I was told that XXXX XXXX policy prohibits issuing letters or emails confirming anythingeven cancellation or fee waivers. I was told I had to rely on recorded phone calls for proof. 

Despite this verbal agreement, a billing statement was issued. I disregarded it as instructed. On XX/XX/year>, I discovered that my credit score had dropped more than XXXX points due to a reported late payment on that same account. 

I immediately called XXXX XXXX again and was told : The account is closed. 

I owe no money. 

The late payment report will " correct itself in XXXX to XXXX  days. '' This delay is unacceptable and extremely damaging, especially because I am currently applying for a business line of credit. This false derogatory entry is already affecting my financing opportunities and may cost me thousands of dollars in lost access to funds I urgently need.

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 2025-06-19 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-06-19 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: TX

Complaint narrative:
I am a victim of identity theft.many loan was opened in my name with without my knowledge or permission. I discovered the account on my credit report. I immediately filed an Identity Theft Report with the FTC and .I contacted equifax and provided the necessary documents, but they have not closed the account or removed the debt from my credit file. This fraudulent account is damaging my credit, and I am being contacted by debt collectors.

Close the fraudulent account Remove any negative marks from my credit Stop all collection activity related to this identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
I borrowed {$2400.00} from CreditFresh and have already repaid {$3000.00}. Despite this, I was told I still owe over {$1900.00}. Nearly all of what Ive paid was applied to fees rather than principal, and their Truth in Lending Statement did not disclose an APR. 

On XXXX XXXX XXXX, I submitted a written dispute and requested that all debits stop until the issue was reviewed. The documents they sent me on XXXX XXXX show another payment is scheduled for XXXX XXXX XXXX violating my written cease and desist request. 

I also requested a full, itemized breakdown of all loan payments, fees, principal balance, and any disclosure of the effective interest rate or APR. A transaction history and my loan agreement was provided, however, they did not address the APR or my request to stop debits. 

The loan terms appear to violate Ohio 's usury limits ( 28 % APR cap ) and federal disclosure requirements under the Truth in Lending Act. I have revoked ACH access through my bank and am requesting CFPB assistance in resolving this predatory loan structure.

Company response to consumer: Closed with explanation