vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the reported late payment on my account, which is entirely inaccurate. My payment records confirm that I have met all obligations on time, and this entry is unjustly damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I initiated a balance transfer end of XXXX after opening a Chase freedom card 0 %. Chase marked this complete sometime in XXXX. Ent federal was suppose to receive a check to pay off the balance on the credit card. That did not happen. I had chase initiate an investigation I believe beginning of XXXX. After talking to them it seems they sent the check to the wrong POBOX and wrong bank. The check seemed to be cashed XX/XX/XXXX ( I can provide check number and where it was sent ). It was sent to XXXX XXXX, Illinois instead of XXXX, Texas. I called every XXXX  to try and get a status on what was going on. They assured me they are looking into it and they they would contact me. The first investigation as far as I know was marked as complete without them contacting me. A second was was opened and XXXX business days passed since the first. XX/XX/XXXX I called and had them open up another investigation XXXX XXXX ... and they tell me its going to be another XXXX business days .. XXXX days ... Monday through Friday. They are not resolving this issue I am still paying on XXXX credit card balances where my other credit card is accruing interest and they won't cancel it. I have to wait for them to " investigate ''. I have called atleast XXXX times and have received no resolution and in XXXX case hung up on because they couldn't help me. I need a resolution to this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/25

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 2025-08-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX CARD Date : XX/XX/XXXX ACCOUNTS : XXXX FCU - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX FINANCE - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CREDIT MANAGEM - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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: MA

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 2025-08-13 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I logged into my mobile banking app and noticed an unfamiliar charge. I track my spending and the merchants that I purchase from so I knew immediately that something was wrong. When I noticed that the charge was from XXXX ( it was labeled " XXXX XXXX RETURN FEE '' ), I logged into my XXXX account to review my charges and to make sure nothing changed. I didn't find any unfamiliar charges. I reached out to customer support with my bank and began the dispute process. I also reached out to XXXX so get details about the charge. I spoke to a countless amount of representatives who told me " there was a glitch in the system '' or " they couldn't find where the charge was from ''. I was asked if I returned anything ( I had not ). Some time passed and I still didn't have an update on my XX/XX/XXXX dispute. Well fast forward to XX/XX/XXXX and I was met with the same issue. I logged into my mobile banking app and noticed yet another unfamiliar XXXX charge. I reach out to both my bank 's customer support and XXXX customer. Another dispute was filed. I did not receive a resolution. XXXX 's customer service outreach again led to me talking to countless customer service representatives and still being given the run around about a refund. I was told on XX/XX/XXXX that a refund was being issued and should be received with XXXX business. I did not receive a refund and was told the representative that processed the refund was dishonest about processing a refund. I also reached out to my bank on XX/XX/XXXX and inquired about the disputes and was told that one was sent out and a new request to have it sent out again was submitted. I reached out to both XXXX and my bank today XX/XX/XXXX. I still have yet to receive a resolution. I don't understand how XXXX can just take money from people as they please and then act oblivious about it. Help with getting this resolved is greatly appreciated. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
I reviewed my credit reports and found several accounts and inquiries that are being reported inaccurately and without proper verification. Some accounts are showing inconsistent dates of first delinquency, incorrect balances, and even utilization percentages over 100 %, which is not possible. A few accounts list repeated late payments after the accounts were closed or charged off, which is a violation of proper credit reporting guidelines. There are also duplicate collection accounts from the same original creditor, creating misleading and damaging information on my file. Despite prior disputes, the companies involved have not provided complete documentation such as original signed agreements, accurate payment histories, or proof of debt ownership. These inaccuracies have been present for months and continue to negatively impact my credit standing and financial opportunities.

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 2025-08-13 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: PA

Complaint narrative:
I reviewed my credit reports and found several accounts and inquiries that are being reported inaccurately and without proper verification. Some accounts are showing inconsistent dates of first delinquency, incorrect balances, and even utilization percentages over 100 %, which is not possible. A few accounts list repeated late payments after the accounts were closed or charged off, which is a violation of proper credit reporting guidelines. There are also duplicate collection accounts from the same original creditor, creating misleading and damaging information on my file. Despite prior disputes, the companies involved have not provided complete documentation such as original signed agreements, accurate payment histories, or proof of debt ownership. These inaccuracies have been present for months and continue to negatively impact my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX BANK Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX AUTO - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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: 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 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 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am disputing a {$230.00} collection account that was paid in full immediately upon notice in XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Upon calling them the collection agency ( Procollect INC. ) assured me that ( XXXX ) a confirmation letter and email would be sent, and ( XXXX ) the negative tradeline would be removed from my credit reports. Neither has occurred. 

This debt was the result of my apartment lease being terminated early due to military orders ( my spouse is XXXX XXXX ). The apartment complex sent the account to collections just XXXX  days after lease termination and without any prior notice to me by phone, email, or mail, despite having my full contact information. Upon learning of the balance and how long it has been in collection for through the lender we are renting through now, my husband and I paid it in full immediately. 

My husband XXXX XXXX and I now in the process of purchasing a home, and this inaccurate reporting is preventing loan approval. The collection agency is failing to honor their commitment to remove the tradeline despite payment and has not provided the promised written confirmation. 


Neither of us received any notices from the apartment complex or Procollect INC. Its while I am on XXXX when my husband was looking for housing and the lender called us and told us we were sent to collection.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX. I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -I ) promptly delete that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$93.00} XXXX XXXXXXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX In {$310.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX. 
XXXX Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$93.00} XXXX XXXX  Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX. 
XXXX Closed Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$310.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In {$310.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX. 
XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX and Associates {$1800.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -I ) promptly delete that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$93.00} XXXX XXXXXXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX In {$310.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX. 
XXXX Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$93.00} XXXX XXXX  Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX. 
XXXX Closed Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$310.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In {$310.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX. 
XXXX Closed Date Opened : XX/XX/XXXX XXXX XXXX and Associates {$1800.00} XXXX XXXX XXXX XXXX Closed Date Opened : XX/XX/XXXXXXXX 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