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

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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

Complaint narrative:
Could you double-check the entry? It was completed late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I returned an item to XXXX that was purchased in XXXX. XXXX insisted that they had to refund the card that was used for the purchase even though I was no longer doing business with Chase. Chase accepted the refund even though the account had been charged off in a bankruptcy in XXXX. Ive numerous calls and send a demand letter. Chase still refuses to refund my money.

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

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing several hard credit inquiries that appear on my credit report which I did not authorize. These inquiries are the result of identity theft, and I did not provide consent for these companies to access my credit information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 605B, credit reporting agencies are required to block information resulting from identity theft within four business days once proper documentation is provided. Despite submitting proof of my identity and notifying the relevant parties, these inquiries remain on my report. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I request that the CFPB investigate these violations and require the bureaus to block or remove these unauthorized inquiries immediately. This continued reporting is causing harm to my credit and is a direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate information in my credit report. The following accounts are in dispute : Charged-Off Accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3000.00} Positive Accounts XXXX XXXX XXXX Positive account reported Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Late Payments XXXX/DOFED Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Late Payments XXXX/DOFED Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Late Payments XXXX/DOFED Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Late Payments XXXX/DOFED Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Late Payments XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Late Payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase Bank : XXXX XXXX limit decrease and dread after! 
In XX/XX/year> I learned that my credit line for my card XXXX was going to decrease. If I didn't want that should call. I did. I spoke with someone explaining my intent to keep my current credit line limit. I was barred from progress because I needed my verbal password ( I had forgotten ). I thought we agreed I would be contacted with this word to stop this decrease. after a few weeks I wasn't contacted with this word but my credit line was decreased. " No big deal, '' I will call for them to reverse it. Not possible, apparently the easiest way to correct is to get a credit line increase. Going forward with the Chase agents advice we request an increase. It is declined. Basically for my years of credit monitoring, years as a chase patron, years of on time payments and low utilization as a smart credit user I'm being punished. I am now stuck in a system that reduces my limits against my consent, punishes me for low utilization ( one of the keys to having good credit ), refuses to restore my credit line that I have had for years all while hurting my overall credit scores and causing any potential loans to become more expensive. The customer service line, the Reconsideration Line and other lines I was transferred to in the 2 calls I had today all basically only helpful to tell me why it happened. Conclusively I have had 3-4 calls, talked with 8 or more people, and applied 3 more for credit line increases, all to still be lowered thousands of dollars. It isn't their place to decide it I still need it. I do! 
( I don't need my credit score dropping so my house loans can charge me more interest equating to thousands more dollars, because I'm a good careful costumer! )

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

Complaint narrative:
I am writing to file a formal dispute regarding certain accounts that have been inaccurately reported on my credit reports. The following accounts, which I believe have been charged off incorrectly or contain inaccurate information, require immediate attention and correction. I have separated the disputes for each bureau below. 

Charged Off Accounts : Account Name : XXXXI Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Inquiries : Account Name : XXXX Date Open : XX/XX/XXXXXXXX  Late Payments : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please look into the materials ; the inquiries appeared unexpectedly and may not be permitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
Initial Email Sent XXXX : Good morning, I called yesterday and cancelled the withdrawal of {$990.00} and was told it would be cancelled however that deposit was made this morning to my bank account. Please withdraw it and cancel immediately. 

Thanks, XXXX XXXX Their reply : Thank you for contacting XXXX Customer Support, We see that you requested to borrow the funds on XX/XX/XXXX at XXXX in the amount of {$990.00}. This request was cancelled at XXXX. 

We received another request to borrow funds at XXXX XXXX and received the communication to cancel the second request after business hours on XX/XX/XXXX. 

You can make the full payment in the same amount by logging into your XXXX XXXX account. It takes 4 business days for the payments to complete. 

If you have any questions, please email us at XXXX or call us at XXXX Monday - Friday XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX, Customer Support XXXX  This was the additional response from the same day. 

Thank you for contacting XXXX Customer Support, The fee is based on something called the average daily balance. That just means we look at how much you owe each day, add it all up, and then divide by the number of days in the month ( or two weeks ), pending your billing frequency. That gives us an average amount you owed. 

At this time we are unable to determine if there will be any fee or not however you will receive the statement on XX/XX/XXXX that will reflect any fee if assessed. 

If you have any questions, please email us at XXXX or call us at XXXX Monday - Friday, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX, Customer Support Ninja This was my reply : I have tried since this morning to make a payment in full and it will not allow me to do so. It says I owe nothing and the loan is pending. 


Although I immediately attempted to Pay the money they sent in error their online system said I had a XXXX balance due and would not Allow me to pay anything. I honestly believe this was simply in order for them to try and collect fees in which they were not entitled to. I have a screenshot of the app/page stating this. To this day they have not cancelled the fees nor have they closed the account as I demanded.

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 monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the information listed on my credit report provided by Experian. Below is the list of accounts I am disputing : Charged Off Accounts : XXXX XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Reason for Dispute : I am disputing this account as I believe the information reported is inaccurate. The balance should be {$0.00}, as this was part of a XXXX XXXX bankruptcy filing, and I request a thorough review of the account for correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Multiple companies are reporting inaccurate, incomplete, and unverified information on my XXXX  credit report. I disputed these accounts with XXXX  and with the furnishers/collection agencies directly, but the information has not been corrected, and none of the companies provided proper documentation or verification as required by federal 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 2025-11-19 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: FL

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was placed on a payment plan after falling behind on my payment. There was no conversation stating that my account would be reported negatively during the repayment plan. I paid the loan off early and the company reported an over XXXX on my credit history. I called the company and asked to have updated and XXXX said she would escalate. That was over a week ago and have not heard anything. I called again today XX/XX/year> and was spoke with XXXX again. I asked to speak to a supervisor and she refused 5 times. Said there was a manager but hold not let me speak with one. Said she would open another escalation. There has been no resolve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was placed on a payment plan after falling behind on my payment. There was no conversation stating that my account would be reported negatively during the repayment plan. I paid the loan off early and the company reported an over XXXX on my credit history. I called the company and asked to have updated and XXXX said she would escalate. That was over a week ago and have not heard anything. I called again today XX/XX/year> and was spoke with XXXX again. I asked to speak to a supervisor and she refused 5 times. Said there was a manager but hold not let me speak with one. Said she would open another escalation. There has been no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am writing to file a formal complaint and request a refund of {$650.00} for my XXXX  XXXX. 

On XX/XX/year>, I contacted MOHELA regarding this refund and spent 3 hours and 51 minutes on the phone, most of which was time on hold. At the end of the call, I was told that MOHELA could not assist me and that I would need to contact Federal Student Aid. I followed this direction and filed a complaint with FSA. They later informed me that they do not issue refunds and that I would need to work with my servicer MOHELA. 

My XXXX  XXXX has since been fully forgiven, and my current MOHELA payment amount is {$0.00}. My account now reflects a negative balance of {$650.00}. I fulfilled all XXXX  service requirements ; any payments I made toward this loan should be returned to me because the XXXX  XXXX requirements were met. 

I have already emailed XXXX regarding this issue, and I am seeking further assistance to resolve this matter promptly. 

Thank you for your time and attention.

Company response to consumer: Untimely response