vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NM

Complaint narrative:
XXXX reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-15 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: PR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-15 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: EQUIFAX, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a Chase credit card holder. On XXXX, I made a {$2.00} purchase using my Chase credit card. When I tried to pay the card on XX/XX/XXXX, also the due date of payment, Chase rejected my payment method, a XXXX XXXX  checking account. Since I am currently living outside of the United States, I can not physically come to a Chase branch. So, I called Chases customer support, and the customer specialist said that there is no way for me to pay for the bill using my XXXX XXXX, and suggested me to open a Chase checking account. I followed her advice and submitted an application. However, about half an hour later, I was notified that the application is rejected and my Chase Mobile APP is locked due to security reason. So, I have literally no way to pay for the bill. The amount of the bill is only about {$2.00}, and I have plenty of money in my checking account linked to the Chase credit card. More importantly, I have NO intention of not paying my bill, but the series of actions of Chase purposefully caught me into the situation that I cant use my own money in the linked checking account to pay for my credit card bill, which will result in my delinquency and will compromise my excellent credit score. This is blatant bully to a customer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-15 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 dispute the accuracy of entries reflecting accounts I never opened. Please perform a complete investigation and eliminate them. Evidence is enclosed.

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 2025-09-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$430.00} Unauthorized Inquiries to Be Deleted : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Specifically, I would like to draw your attention to 15 U.S.C. 1666b, which mandates that creditors must provide accurate information to credit reporting agencies.This law ensures that any reported late payments must be verified and substantiated with appropriate documentation. Furthermore In accordance with the law, my rights have been violated. Late payment reports to consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i have had multiple savings account with Capitol one 360 since XXXX in XXXX they set up new high yield interest savings accounts i was never told that this was an option which had my funds trapped in a low interest savings account. in XXXX i came acroos and advertisement for high yield and asked to switch to these. i had to reapply for new accounts than transfer. i went from making barley any interest to making over 4 percent on the new accounts. for 4 years that interest i should have been making is a few XXXX XXXX dollars has i had alot of money in those accounts. i want to make sur that i am getting reimbursed as others are. I called them to find out and they directed me to a XXXX number where i left my info. 
one account had over XXXX XXXX  second account had a balance over XXXX for most of the time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
XXXX XXXX. I provided the required paperwork and confirmed as Successor in Interest on the property, XXXXXXXX XXXX XXXX XXXXXXXX NC, that I have lived in since XXXX and acquired through divorce on XX/XX/XXXX. The mortgage loan is in my ex-husband 's name, XXXX XXXX, and has a delinquent balance & I have I have asked Freedom Mortgage Company repeatedly for help & they are refusing, stating because I don't qualify to assume the loan. This is going to cause me to lose my house and my daughter and I will be homeless. I was even willing to assume the loan with a loan modification that would double the current rate- anything to not be homeless & loose the job I just got, my only way of getting out of this financial mess. I have multiple emails starting in XXXX asking XXXX about this process & XXXX has failed to resolve, costing me thousands in attorney 's fees and causing my house to be listed under duress. I'm wasting approx 10hrs a week on calls to XXXX for nothing to be done. I'm on the edge of being homeless & XXXX doesn't care. XXXX allowed me to enter into a forbearance during COVID when I was not listed on the mortgage or appointed Successor in Interest, but would not allow me to sign the repayment plan stating I'm not on the account. That caused the entire balance of the forbearance over {$40000.00} to become immediately due. No one at XXXX has informed me of the correct process or options I'm entitled to, I found it on CFPB myself, and provided the information to XXXX and they still refuse loss mitigation options. I was an Independent Real Estate Broker & lost all my income during Covid and I also went through a divorce. I lost my business, my money, & my credit suffered. I had to go back to school for a year and now I'm employed with a {$65000.00} a year salary. I have demonstrated my ability and willingness to take over the mortgage and make regular monthly payments to Freedom mortgage company in writing XX/XX/XXXX as well as two different applications on the phone in XXXX & XXXX. I have escalated many calls and have some calls recorded. I have included every executive for XXXX I could find on emails and XXXX still hasn't complied.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a repossession entry on my credit report that I believe to be incorrect or unverified. Pursuant to my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I request a full investigation of this item. If it can not be properly validated, I am asking that it be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
XXXX. What Happened On XX/XX/year>, I took a taxi in XXXX, XXXX, from XXXX XXXX XXXX XXXX to XXXX XXXX ( about a XXXX minute, XXXX mile ride ). 

The driver verbally quoted approximately {$25.00} ( about XXXX XXXX  ) for the fare. 

After the ride, I discovered I had been charged {$550.00} USD. 

This amount is more than XXXX times higher than the standard market rate for that route ( typically XXXX XXXX, or {$710.00} USD ). 

This is a fraudulent bait-and-switch charge. I never consented to pay {$550.00} and did not receive goods or services of that value. 

2. Steps I took with Chase I immediately disputed the transaction through Chases app and by phone.

Chase coded the dispute under XXXX Reason Code 12.5 : Incorrect Amount and later rejected my claim, saying I failed to provide a paper receipt showing the correct amount. 

Since this was a taxi ride with only a verbal quote, no paper receipt exists which is common in this context. 

I provided documentation of typical XXXX XXXX fares and explained the scam, but Chase refused to escalate or re-categorize it as fraud or misrepresentation.

I called again to reopen the dispute, but was told nothing more could be done and was directed instead to a member benefits department that only handles travel insurance claims ( lost baggage, delays, etc. ), not fraud.

3. Why I believe Chase mishandled my case Under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute charges for services not delivered as agreed. I agreed to ~ {$25.00}, not {$550.00}.

Chase improperly limited my claim to incorrect amount when it should have been treated as fraud/misrepresentation. 

By refusing escalation and insisting on documentation that is impossible to provide in a taxi scam, XXXX effectively denied me the fraud protections promised with my XXXX card. 

This undermines the advertised {$0.00} liability for unauthorized or fraudulent charges protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable.

The continued presence of these fraudulent entries is highly concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX placed a security freeze on my consumer report. I never requested that this be done. I also have no way in removing it as they never provided me with a pin to remove the freeze. I want this freeze 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 2025-09-15 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: WA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Complaint Regarding Incorrect Information on My Consumer Reports Dear Credit Reporting Agencies, My name is XXXX XXXX. I am writing to formally dispute and file a complaint regarding incorrect and inaccurate information appearing on my consumer credit reports maintained by TransUnion, Experian, and Equifax. 

The information being reported is not correct and does not accurately reflect my personal or employment history. Specifically, my correct information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Residential Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : XXXX, XXXX XXXX XXXX, since XX/XX/XXXX I request that you immediately investigate and update my consumer reports to reflect the above accurate information in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Please provide me with written confirmation once my reports have been corrected and updated. I am requesting this correction be made promptly to ensure the accuracy and integrity of my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: VA

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

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$490.00} Account Name XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$990.00} Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$720.00}

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