vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX improperly re-aged two old charged-off auto loans that were legally assigned to my ex-spouse through a court-ordered divorce decree. The accounts were charged off years ago ( XXXX ), but XXXX updated the status dates in XX/XX/year> after I contacted them, causing the accounts to appear as new negative items. My credit score dropped XXXX points as a result. 

This violates FCRA 15 U.S.C. 1681c, which prohibits re-aging, and FCRA 623 ( a ) ( 2 ) regarding accurate reporting. They also refuse to honor my court order assigning the debts to my ex-spouse, which contradicts CFPB guidance on post-divorce credit reporting. 



DESIRED RESOLUTION : XXXX. Correction of the Date of First Delinquency to the original date XXXX. Removal of re-aged negative information XXXX. Deletion of both XXXX accounts if accurate DOFD can not be verified XXXX. Confirmation that the divorce decree assigning debt to my ex-spouse will be honored COMPANY DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Phone : ( 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 2025-12-02 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:
This letter constitutes a formal dispute regarding the accounts referenced. I am not connected to them and did not authorize their establishment. I request their removal following review. Documentation is attached.

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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
At the time of moving out in XX/XX/year>, I was informed by a leasing agent that I could terminate my lease early due to a domestic abuse situation. 

When Breaking a Lease is Justified in California. State law ( Cal. Civ. Code 1946.7 ) provides early termination rights for tenants who are victims of XXXX XXXX XXXX  XXXX, stalking, or elder abuse, provided that specified conditions are met ( such as the tenant securing a temporary restraining order ). 

I contacted them via email about terminating my lease and they asked me to provide proof of my urgent situation. After providing proof through email, instead of emailing me back, they called me via phone so there would be no written confirmation that they are terminating my lease. I provided proof of police documentation and communicated with office staff and they verbally agreed to terminate my lease early, but then months later I had a hard hit on my credit in collections for {$7000.00} I do not owe to these apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Operation : Suppress Back What Happened Google Docs operates like a third-party appeven within Googles own infrastructure. Despite users being signed into their Google Account, Docs frequently fails to inherit native permissions or authentication continuity. This results in upload failures, session errors, and syncing conflicts that affect high-volume documentation workflows. XXXX XXXX has experienced persistent blocks when uploading critical files, even though his identity is valid and authenticated. This breakdown is traced to Google Docs fragmented architecture : it splits identity layers and hijacks file access as if it were a separate service. As a result, essential uploadssuch as legal documents, regulatory complaints, and timeline evidenceare interrupted or lost. These failures are compounded on XXXX, where third-party app permissions ( XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX ) become misaligned. Googles failure to unify its file infrastructure across services leads to systemic user disruptionparticularly when tied to urgent workflows.

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 2025-12-02 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:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Late XX/XX/year>- I downgraded Chase Reserve credit card to Chase Preferred as I did not want to pay {$790.00} annual fee. 

XXXX XX/XX/year> - received new card, my online account showed Chase Preferred instead of Chase Reserved. 

XX/XX/year> - charged the Chase Reserve fee and reached out multiple times to Chase customer service. One Chase associate told me Id have to pay the fee this year despite not having any of those benefits. Ended up going to the branch with a promise to escalate, but this charge should have been immediately erased as it was an error on Chases part. Can not even dispute it online. Fradulant charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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:
As a consumer, I am requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter. 

Charged Off Accounts : XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$4400.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2400.00}

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 2025-12-02 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: CA

Complaint narrative:
I am filing this report because it is formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the fraudulent material are reporting in my credit file. There is a fraudulent account is opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about them. And also, TransUnion premaritally blocked accessing my online account without letting me know. I have sent all documentation they requested asking to remove any block or internal lock from my service.transunion.com online account but they stated that they never remove the block online account.

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 2025-12-02 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-02 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: NC

Complaint narrative:
I am writing to dispute the following information on my credit report. I believe that these entries contain inaccuracies, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the accounts listed below are reported inaccurately, and there may also be issues with incomplete or incorrect information that needs to be addressed. 
Please find the details of the disputed accounts below : XXXX. XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Status : Closed, Collection - Installment Balance : {$3700.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Dispute Reason : Incorrect reporting of account status ( Collection and Charge-Off ) The account was incorrectly marked as " Refinanced '' instead of " Closed '' after resolution. 
XXXX. XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXs Status : Closed, Collection - Installment Balance : {$1300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Dispute Reason : Incorrect reporting of account status ( Collection and Charge-Off ) Account was marked as " Refinanced '' when it was not. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX Credit Status : Open, Collection - Installment Balance : {$520.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Dispute Reason : Unpaid balance is inaccurately marked as charged off and reported as a loss by the creditor. 
XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : Optimum Status : Open, Collection - Installment Balance : {$260.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Dispute Reason : The reported date of last activity is incorrect. 
XXXX. XXXXXXXX XXXX XXXX. 
Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : Florida XXXX and Light Status : Open, Collection - Installment Balance : {$360.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Dispute Reason : The account should not be marked as charged off under the FCRA guidelines. 
Requested XXXX : Please investigate the accounts listed above and correct any inaccuracies or remove unverifiable information as required by the FCRA. 
Consumer Information : Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I paid off my auto loan on XX/XX/year>. Minnesota XXXX XXXX requires the lien release within 15 days. The lender is refusing to release the title until XX/XX/year>, which is a violation of state law. This is preventing me from selling/transferring my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( XXXX U.S.C. 1XXXX ). I am requesting a full reinvestigation and correction of this error 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 2025-12-02 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: IL

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/year>, I sent a certified dispute letter to XXXX XXXX XXXXXXXX regarding a collection account they are reporting on my TransUnion and Equifax credit reports. The letter was returned to me by the United States Postal Service stamped Return to Sender Not Deliverable as Addressed Unable to Forward. This shows that the address provided by the company and listed on my credit reports is invalid. 

Because the certified mail was undeliverable, I have no way to contact the company or obtain any validation of the alleged debt. The company is reporting information while being unreachable, which makes the account unverifiable. I also contacted the credit bureaus, but they failed to properly investigate the issue even after proof was provided that I can not reach the furnisher. 

Under the Fair Credit Reporting Act, any information that can not be verified must be removed. I am requesting that the collection account reported by XXXX XXXX XXXX  be deleted from my credit reports due to being inaccurate, unverifiable, and associated with an invalid address for the furnisher.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
I wish for CFPB to reopen my last complaint. I do not know why my complaint was closed after SPS responded without giving me options. I wish for this case to be escalated to what ever agency is available to help me. PLEASE REOPEN MY LAST COMPLAINT!!! 

XXXX XXXX Vs Select Portfolio Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The disputed entry contains inaccuracies relating to my payment habits. Please update my account accordingly.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I tried to order groceries yesterday and it went through. Today at XXXX I tried to pay for an uber to work and the app said see you later. I refreshed the account only for it to tell me my account has been closed. I called am operator only for her to tell me my information doesnt match the records which is very odd. And I was told some activity violated the terms which I am or wasnt even aware of and had no clue what I had done. Telling me all my money I saved up will be given to me 30 days after which is very unfair I worked hard for Those funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
Dear Consumer Protection Division, I am filing a formal consumer complaint regarding my treatment by Synovus Bank at its XXXX XXXX XXXX branch in XXXX, Georgia, on XX/XX/year>. 
I am a business owner and long-standing Synovus customer XXXX On the stated date, I presented a $ XXXX legitimate business check for deposit. The teller, XXXX, stated a hold would be placed on the check and falsely claimed that ab account would need to have sufficient funds of more than the check to support the deposit. 
Upon requesting managerial review, XXXX took my check to an office and later returned stating the branch manager would not override the decision. The branch manager did not come out to speak to me, explain the decision, or review the account with me. During this time, I could audibly hear laughter from the management office, which was degrading and unprofessional. 
On XX/XX/year>, I learned that the person XXXX identified as the branch manager was XXXX, the Assistant Manager, meaning I was given inaccurate information about who was exercising discretionary authority. 
Later in the day on XX/XX/year>, at approximately XXXX XXXX, I deposited the same check via mobile deposit, and it posted immediately with no hold, indicating that the branchs action was not system-mandated or policy-required. 
This incident raises concerns regarding : Misinformation provided to consumers Arbitrary application of deposit holds Failure of management transparency Potential unequal or unfair treatment I respectfully request that your office review this matter for compliance with Georgia banking standards and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I am submitting this complaint because Experian is reporting inaccurate or unverified accounts, inquiries, and late payments. My previous disputes have not resolved these issues. 
Charged-Off I request full validation or deletion of the following : XXXX XXXX XXXX Acct ending XXXX Reported XX/XX/XXXX {$0.00XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$610.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$2000.00} XXXX Acct ending XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX {$7.00} XXXX Card Acct ending XXXX XXXX XX/XX/XXXX {$3600.00} These items appear inconsistent with other reporting and XXXX not be accurate. 

Inquiries ( Disputed ) XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize several of these inquiries and request verification or removal of any that can not be validated. 

Late Payments ( Disputed ) XXXX XXXX Acct ending XXXX PHL Acct ending XXXX These late payments do not match my records. 

REQUEST : Please require Experian to perform a proper reinvestigation and correct or delete any inaccurate, incomplete, or unverified items.

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