vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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 disputing the following accounts on my Experian report, as they are inaccurately reported : Charged Off : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} TXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} Inquiries : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX Positive Accounts : 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 Late Payments : XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX 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 explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-29 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-29 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:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 



Accounts in Dispute Charged Off : XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : None listed Late Payments : XXXXXXXX XXXX XXXX, XXXX Statement : I am disputing the accuracy of the above accounts and late payments on my TransUnion credit report. I request verification of all accounts and removal of any information that can not be verified as 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 explanation
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
I am writing to dispute certain accounts and inquiries on my credit report. I believe these entries are inaccurate and need to be investigated. Please find the details of the disputed accounts below. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute inaccurate and/or unverified information being reported on my credit file by the business named below. 
Business Name : Sunrise Credit Services Inc Account Number ( if applicable ) : XXXX Last XXXX digits of account number Despite my good-faith efforts to resolve this matter directly with the company, the issue remains unresolved. 
Description of the Problem The above-named company is reporting information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have previously disputed this account with the company and/or the credit reporting agencies ; however, the company has failed to provide proper validation or has continued reporting the account without correcting the errors. 
This reporting is causing ongoing harm to my creditworthiness and financial standing.

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 2025-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I purchased {$50.00} XXXX gift card from a XXXX XXXX XXXX XXXX with my XXXX checking account. The card was purchased within the last year or so and was not touched however when attempting to purchase an item with the gift card, there were no funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am writing to dispute the following accounts currently listed on my credit report. I believe these accounts are inaccurately reported or contain errors. Below are the details of the accounts in dispute : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : [ Account Number ] Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NM

Complaint narrative:
I signed up for a local XXXX  class that used XXXX  XXXX XXXX as a third party sign up website. Apparently in signing up, I agreed to a month long free trial to an ACTIVE XXXX  membership. I do not remember signing up for this free trial. I then received an email a month after my XXXX  class saying the trial is over and I would be charged {$99.00} and change. Less than XXXX minutes after I received this email I was charged. I've emailed the company to request a refund and they offered me continued services with some deal sweeteners. I reiterated my refusal to be apart of ACTIVE XXXX  LLC and requested a refund again. I am still currently waiting on the refund. I did not knowingly sign up for a free trial or a paid membership with ACTIVE XXXX  LLC at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
The bank put a restriction on my account and despite visiting the branch multiple times and having them verify my identity and being told that they will remove the restriction in 24-48hours they still have not 3 days later and are not allowing me to access my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, a debit card charge of {$5700.00} was processed by XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX XXXXXXXX XXXX XXXX 

This program was represented as eligible for use with XXXX XXXX benefits. However, on XX/XX/year>, the U.S. Department of Veterans Affairs ( VA ) issued a written determination stating that the XXXX XXXX XXXX XXXX was not approved in the XXXX XXXX XXXX and therefore could not be approved for VA XXXX benefits. The VA letter identifies XXXX as the evidence used for this decision. 

On XX/XX/year>, an XXXX representative confirmed in writing that the company was working to be able to allow students to use the XXXX XXXX, had no timeframe for completion, and asked what would be required to become VA-approved in XXXX. This confirms the program was not VA-approved at the time of purchase and could not be used for its intended purpose. 

Because the service purchased could not be rendered as represented, I disputed the charge with USAA on the basis of misrepresentation / services not rendered. 

USAA denied the dispute. 

I then requested a re-evaluation. On XX/XX/year>, USAA issued written communications that were internally inconsistent : one letter acknowledged receipt of a re-evaluation request and stated it could take up to 30 business days, while another letter states the review was already completed and the denial upheld. Subsequent chat communications with USAA representatives provided conflicting explanations regarding whether the re-evaluation was still pending or already closed. 

At no point did USAA provide a clear explanation of how a charge for a program that was officially determined by the VA to be ineligible under XXXX, and acknowledged by the merchant as not VA-approved, could be considered valid. 

I am not requesting another investigation. 
I am requesting reversal of the debit card charge and return of my funds, as the service purchased could not be provided as represented and was unusable for its stated purpose.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was a transaction that went through for XXXX from my XXXX XXXX card linked to my bank card XXXX XXXX XXXX XXXX on XXXX XXXX at XXXX in the morning and I got a notification that my card was unlinked. I immediately went into my banking account to see what was going on, and it shows that someone has swiped my money and the XXXX XXXX app was deleted completely. I called the cops and made a police report and that morning I went to the bank to let them know what happened and open up an investigation on the XXXX I went to the bank to let them know that we found out who had did the fraudulent taking of my money and in return they told me that they had closed the case in the investigation because it was authorized which it was not. I reopened the case on XXXX XXXX and still waiting for an answer I have police involved and also given the police claim number to the bank. The police told me that this is a civil case that I need to do a lawsuit on the person in return I still do not have my funds and no XXXX for my children nothing to live off of because my bank wont ensure the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-29 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I have XXXX XXXX Mortgage on my house and they recently sold to Rocket Mortgage and since that happened I have not been able to get into my online banking, It has been 2 weeks now that I have not been able to get online to pay it and the only options they are offering me is to either give some person who's english I can barley understand and can barley understand me my bank account and routing number for them to manual request a withdraw or to send in a check which has that same info and can be very easily lost or stolen in the mailing process leaving me vulnerable to fraud. 
I have had this mortgage for almost 10 years and never had an issue with XXXX XXXX but as soon as Rocket Mortgage took over its been nothing but nightmares ... My mortgage is due in 3 days and they said if I dont give them my bank info I will be charged late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-29 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here to enter text. 
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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Complaint Summary : I am filing a complaint against Nissan Motor Acceptance Corporation ( NMAC ) for inaccurate and unlawful credit reporting related to an auto lease account.

The account was a 36-month auto lease opened on XX/XX/XXXX, with a scheduled termination in XXXX. The last payment was made on XX/XX/XXXX. Despite the lease having ended, NMAC continues to report the account as OPEN, continues to update the balance as recently as XX/XX/XXXX, and reports post-termination delinquency activity. 

This reporting is factually impossible and constitutes unlawful re-aging, inaccurate account status reporting, and misleading payment history under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Specific issues include : Reporting the lease account as OPEN years after lease termination Updating balances in XXXX despite no payment activity since XXXX Reporting post-termination delinquency history, which can not legally occur after a lease expires Maintaining an active tradeline beyond the lease term without accurate verification I have disputed this account directly with the credit bureaus and with Nissan Motor Acceptance Corporation. The inaccurate reporting continues.

I am requesting that the CFPB require Nissan Motor Acceptance Corporation to : Delete this tradeline from all consumer credit reports, or Produce full documentary verification, including the original signed lease agreement and a complete payment history justifying post-termination reporting Absent such verification, continued reporting is inaccurate and unlawful.

Company response to consumer: Closed with explanation