vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: KY

Complaint narrative:
I receive XXXX very large deposit they have stolen both of them right at XXXX XXXX i have my comformation number the exact second time and date they deposited to my account ending in XXXX XX/XX/XXXX and XX/XX/XXXX deposit showing in my portal im talking about is deposit XXXX and also had several several other very large deposit them in my portal is from XXXX  XXXX with them stating they send my money back to my external account as they call it XXXX  XXXX days they are my external account they said we sent your deposit back chime said they never received them back but the are showing in my account that they did send the money back but then I found. My XXXX  XXXX account fully loaded then I found out that my pathwards bank account was involved all this pathwards account spruce account as we speak is showing 8 active account with balances and they teing me they didn't receive my deposit and my account showing i have 8 active accounts with balances please please someone help me these people are dogs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a promotion offer from Chase last year on XX/XX/XXXX. I clicked the link and activated the offer. The offer is for me to book a XXXX time {$500.00} hotel trip through Chase Travel by XX/XX/XXXX and travel by XX/XX/XXXX to receive XXXX XXXX Reward points as a bonus. I made a hotel reservation for {$570.00} and travelled between XXXX and XXXX, XXXX. After this, I didnt see any points posted to my account. I was traveling overseas and couldnt call to check but I saw that the fine print said it might take up to XXXX weeks after the promotion period ends for the points to be posted. So I patiently waited until XX/XX/XXXX to call Chase and I was transferred XXXX  times during the call and spent over XXXX hours. Nobody was able to resolve it. The last supervisor I talked to said he saw that I was enrolled in this offer and didnt receive the bonus points, but he couldnt see the transaction in my credit card due to some system issues on their end. So he asked me to use secured messages in Chase App, attach all the screenshots I saved and they will credit me the points after investigation. So I did message them the next day with proofs of the transaction, reservation confirmation and offer activation confirmation. I waited XXXX  days and today got an email from another supervisor at Chase Travel claiming that I did not activate the offer and they will not credit me the points and abruptly closed out the claim. Ive so far spent ridiculous amount of time, been falsely claimed not doing the right thing, have to show proof of everything regardless whether it is my responsibility, and still scammed XXXX points. It is a horrible experience for a XXXX loyal Chase customer to be treated like trash. I started to question what else could have been wrong over the years but just not discovered. I certainly wont be booking anything through Chase Travel in the future and hate to say that I have lost confidence in Chase because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am a verified victim of identity theft. TransUnion and Equifax are reporting a fraudulent {$3100.00} collection from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) that does NOT belong to me. I never lived at the address, never signed a lease, and never had any account with this creditor. 

I filed an FTC Identity Theft Report ( # XXXX ) and a police report with the XXXX XXXX XXXX XXXX XXXX ( XXXX  Case # XXXX ). Both reports confirm this account was opened without my authorization. 

XXXX XXXX XXXX has failed to provide any signed lease, application, proof of ownership, or documentation linking me to the debt. Despite this, the credit bureaus continue to report the account and mark it as verified. This violates FCRA 602 ( A ), 605B, 611, and 609 ( e ). 

I am requesting the CFPB to enforce permanent deletion of this fraudulent collection under FCRA 605B, block the information, and require NCS, Equifax, and TransUnion to provide written confirmation.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

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 2025-11-27 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I prepaid for a monthly XXXX subscription, valid until XX/XX/XXXX. 
Due to repeated misinformation and contract failures, I returned the vehicle early on XX/XX/XXXX. 

I am disputing : XXXX. XX/XX/XXXX days of unused rental service XXXX. License fees for theXX/XX/XXXX days XXXX. A vehicle exchange fee that XXXX admitted in writing should be refunded XXXX provided deceptive documentation to Chase during the first dispute, dividing the prepaid monthly amount into 23 days to make it appear as if I used XXXX rental days. This is billing manipulation and does not reflect actual usage or the contract terms. 

I did NOT receive 8 days of service. 
XXXX promised I could upgrade mileage, then denied it repeatedly. 
XXXX attempted to charge me {$610.00} for excess mileage even though I had XXXX miles available and only used XXXX. Their own app shows this. 
XXXX also promised in writing to refund the exchange fee but never processed the refund. 

Chase denied my dispute twice because XXXX misrepresented the charge as a XX/XX/XXXX-day rental, which is false. 
The contract clearly states a one-month rental, not XX/XX/XXXX days. 

This is a case of : Services not provided Incorrect fees charged Merchant misrepresentation Billing manipulation Additionally, after I filed my first billing dispute with Chase, XXXX blacklisted my customer account, preventing me from accessing my rental history, documentation, or the Sixt+ subscription portal. This appears to be retaliation for filing a legitimate dispute and interfered with my ability to resolve the billing issue. Fortunately, I saved screenshots and documentation before XXXX blocked my account. I am requesting that CFPB review this retaliatory behavior as part of the unfair business practices in this case. 

I am requesting CFPB assistance in having Chase reopen the dispute under the correct category and review all evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I am submitting this complaint to demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items appearing on my credit reports from Experian, Equifax, and TransUnion in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 605B / 15 U.S.C. 1681c-2, FDCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 604 ( a ), FCRA 604 ( f ), and FCRA 619 15 U.S.C. 1681q. My name is incorrectly reported as XXXX, XXXXXXXX XXXX  on TransUnion, my address is inaccurately listed as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on Experian, and multiple charge-off accounts, including XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$610.00} ) on Experian and TransUnion * *, XXXX XXXX XXXX XXXX XXXX on Experian and XXXXXXXX XXXX XXXX XXXX on TransUnion ( {$5300.00} ), and XXXX XXXX XXXX * on Equifax and TransUnion ( {$1600.00} ), are being reported without proper verification or supporting documentation. Additionally, a collection account, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1400.00} ) * *, and a repossession account, XXXX XXXX ( {$7700.00} ) on Experian and TransUnion, are inaccurately reported without validation or proof, and an unauthorized inquiry, XXXX XX/XX/year>, appears on Experian without my consent. These items are inaccurate, unverifiable, and unauthorized, and I am requesting that they be removed entirely from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I am submitting this complaint to demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items appearing on my credit reports from Experian, Equifax, and TransUnion in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 605B / 15 U.S.C. 1681c-2, FDCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 604 ( a ), FCRA 604 ( f ), and FCRA 619 15 U.S.C. 1681q. My name is incorrectly reported as XXXX, XXXXXXXX XXXX  on TransUnion, my address is inaccurately listed as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on Experian, and multiple charge-off accounts, including XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$610.00} ) on Experian and TransUnion * *, XXXX XXXX XXXX XXXX XXXX on Experian and XXXXXXXX XXXX XXXX XXXX on TransUnion ( {$5300.00} ), and XXXX XXXX XXXX * on Equifax and TransUnion ( {$1600.00} ), are being reported without proper verification or supporting documentation. Additionally, a collection account, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1400.00} ) * *, and a repossession account, XXXX XXXX ( {$7700.00} ) on Experian and TransUnion, are inaccurately reported without validation or proof, and an unauthorized inquiry, XXXX XX/XX/year>, appears on Experian without my consent. These items are inaccurate, unverifiable, and unauthorized, and I am requesting that they be removed entirely from my credit reports.

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