vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information currently appearing on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable credit reporting. The items listed below are being reported incorrectly and must be fully investigated. If the furnishers can not provide proper verification, these items must be corrected or removed. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Balance : {$2500.00} This account is inaccurately reported as charged off. The information provided is incomplete and lacks proper verification, including full account history and documentation supporting the balance. If the furnisher can not provide competent evidence verifying this accounts accuracy, it must be deleted pursuant to the FCRA. 

XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Balance : {$35000.00} This charged-off account is being reported inaccurately and inconsistently. The payment history, balance, and account status are not supported by proper documentation. TransUnion must require full verification from the furnisher. If accurate verification can not be provided, this account must be removed immediately. 

LATE PAYMENT DISPUTE 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 2025-12-15 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: LA

Complaint narrative:
I am disputing the following information currently reported on my Experian credit file. I am requesting a full investigation under the Fair Credit Reporting Act to ensure accuracy, completeness, and proper reporting. 

XXXX Accounts ( Experian ) XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX | XXXX : {$830.00} XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX | Balance : {$500.00} XXXX XXXX XXXX Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX | XXXX : {$140.00} These accounts contain inconsistencies and lack proper validation. Please investigate and delete any information that can not be fully verified. 

Inquiries ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am disputing these inquiries as unauthorized or improperly reported. Please remove any inquiry that can not be verified as having a permissible purpose. 

Late Payments ( Experian ) XXXX XXXX XXXX Account XXXX. XXXX This late payment reporting is inaccurate and does not reflect correct payment history. Please investigate and correct or delete accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My card was fraudulently billed for services I never received. On XX/XX/year> I reported this to Bank of America through their online dispute process. The following XXXX  I reached out to Bank of America through their XXXX number. I was told by an agent in XXXX days I would have a provisional credit for the money that was wrongfully removed from my account. A few days later, I reached out to Bank of America and was told it would be XXXX  days. A few days later again I reached out and was told XXXX  days the next day I was told 90 days on XX/XX/year> I was told and recorded the call that an agent stated I would have my money back in my account by XXXX, XX/XX/year>. Today on XX/XX/year> I had to deal with a XXXX poor female agent from Bank of America who told me that despite it being more than XXXX calendar days since filing my complaint, Bank of America still has yet to reach out to the merchant and are supposedly still researching my claim. I have repeatedly called Bank of America throughout the entirety of the claim so far and offered phone calls text messages emails to prove my point that this charge on my debit card was fraudulent. I have emails from the merchant saying he never intended to provide any service whatsoever and will not give me my money back. Bank of America has not done their lawful job and reached out to the merchant for this dispute process. I am told it takes XXXX  days from the time Bank of America actually reaches out to the merchant. Ive asked Bank of America why they havent done that and all they can say is its not normal that they havent done their job. In the meantime, Bank of America is billing me fees for not having money in the account due to it being unlawfully taken. They have a legal obligation and they have failed to do their job.

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 2025-12-15 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-15 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-15 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:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information that Experian is currently reporting on my consumer credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or can not be properly verified. 

XXXX Accounts in Dispute 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

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 2025-12-15 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: FL

Complaint narrative:
Can you check over this entry? Im worried it may be incorrect due to the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: KY

Complaint narrative:
AmeriSave Mortgage Corporation was the lender for my previous home, which was sold and paid off in XX/XX/year>. After the loan was paid in full, AmeriSave issued an escrow refund check to my former address. The check was returned to AmeriSave as undeliverable.

AmeriSave never contacted me to notify me that the escrow refund check had been returned or that additional action was required. I only became aware of the issue after proactively following up. 

I submitted a change-of-address form requesting that the escrow refund be reissued to my current address. AmeriSave has refused to accept the address update and has declined to reissue the escrow refund, despite the fact that the original check was returned to them and the loan has been paid in full. 

The escrow funds belong to me, and AmeriSave currently retains the funds without justification. Their refusal to reissue the escrow refund and failure to notify me of the returned check has caused unnecessary delay and financial inconvenience.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
In XX/XX/year>, I found something extremely alarming someone has been using my name to open a fraudulent account without my knowledge. This fraudulent account was absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. Im asking and expecting that you take immediate action to remove and block this unauthorized fraudulent account from my credit report. XXXX XXXX XXXX ( Original Creditor : 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 2025-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to escalate an unresolved issue with Experian regarding hard inquiries and account information that continue to appear on my credit file despite being disputed multiple times. These hard inquiries were reported without my authorization and remain on my credit report even after I clearly informed Experian that they lack a permissible purpose. In addition, there are accounts on my file that I previously disputed, yet Experian failed to take any meaningful action to investigate or resolve these disputes. This repeated inaction is unacceptable and has caused ongoing stress and financial harm. Experians failure to remove unauthorized hard inquiries violates the Fair Credit Reporting Act, including 15 USC 1681b, which requires a valid permissible purpose, and 15 USC 1681e ( b ), which requires maximum possible accuracy in consumer credit reports. By continuing to report information that has been disputed and remains unsupported, Experian is allowing inaccurate data to stay on my file without proper verification. Despite multiple disputes and follow-ups, Experian has continued to ignore its legal obligations. This conduct constitutes negligent noncompliance under the Fair Credit Reporting Act, including violations of 15 USC 1681n and 15 USC 1681o. I have already escalated this matter to the Federal Trade Commission, yet these violations remain unresolved. I am now requesting the assistance of the Consumer Financial Protection Bureau to intervene and ensure this matter is resolved immediately. I want this issue escalated and corrected without any further delays. Experian must remove all unauthorized hard inquiries and properly address all previously disputed accounts unless they can produce valid proof of authorization and accuracy.

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 2025-12-15 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: CO

Complaint narrative:
I have no ownership of these accounts and formally request their removal within 15 days under the Fair Credit Reporting Act.

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 2025-12-15 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-12-15 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing this complaint regarding JPMorgan Chase Banks sudden and unexplained closure of my business checking account, which has caused significant and ongoing financial hardship for nearly one year. In or around XX/XX/year> Chase Bank closed my business checking account without providing any clear explanation, prior notice, or opportunity to resolve the issue. I was not informed of any violation of account terms, suspicious activity, or compliance concern. Despite multiple attempts to seek clarification, I was never given a meaningful or specific reason for the closure. As a result of this action, my business has been severely impacted. I have been unable to properly access or transfer business funds, and my income has remained sitting on my sales platforms because I no longer had an active business checking account to receive payouts. This has disrupted my ability to operate, pay expenses, manage cash flow, and sustain my livelihood. The prolonged loss of access to standard banking services has created ongoing financial hardship, stress, and instability for both my business and personal finances. Chases lack of transparency and failure to provide a path to resolution has left me without reasonable recourse. I believe Chase Banks actions were unfair and unreasonable, particularly given the absence of explanation, documentation, or assistance in resolving the issue. Financial institutions should not be allowed to close business accounts without clear communication, justification, or supportespecially when such actions directly harm a small business owners ability to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Could you inspect this entry? Its late and possibly not correct.

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 2025-12-15 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: FL

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 2025-12-15 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: TX

Complaint narrative:
I am requesting that this incorrect late payment be removed and that my account be updated to show an accurate, positive payment history.

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