vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I have debts on my credit report. Some Im aware of and some Im not. The debts include auto mobile, medical, phone, educational as well banks. The dates go far as XXXX through XXXX I selected I dont know as far as debts because it isnt just one debt I have numerous in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I really don't have any information cause I was not provided with Anything

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX and the credit bureaus are reporting inaccurate, unverified, and inconsistent information on my credit report while simultaneously violating multiple federal laws during the dispute process. 
XXXX provided NO original contract No wet signature Only internal PDFs with digital signatures Can not verify the alleged debt Account modified during active reinvestigation Bureaus updated remarks illegally XXXX verified without real investigation Identity mismatch issues were ignored Reporting is inconsistent with Metro-2 Reporting is NOT accurate, complete, or verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint FCRA, XXXX  XXXX, and Florida Statute XXXX Violations by XXXXXXXX XXXX XXXX TransUnion / Experian / Equifax To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding the account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as the information furnished to TransUnion, Experian, and Equifax contains multiple contradictions, impossible dates, missing required fields, and unverifiable data. These issues constitute violations of the Fair Credit Reporting Act, XXXX XXXX and Florida Statute XXXX. 

XXXX. Impossible Date of First Delinquency FCRA 1681e ( b ) Equifax reports a Date of First Delinquency of XX/XX/XXXX, while the account was opened on XX/XX/XXXX. 
A XXXX  can not occur before the account exists. 
This is inaccurate, impossible, and unlawful. 

XXXX. Contradictory Account Status Across Bureaus TransUnion reports the account as an Open Factoring Account, yet also closed on XX/XX/XXXX. 
Experian reports it as a collection account with outdated status updates. 
Equifax reports it as Closed while maintaining an active past-due balance. 

A single account can not be open, closed, and in collection at the same time. 
This violates FCRA 1681e ( b ) maximum possible accuracy. 

XXXX. Incomplete Required Data XXXX XXXX & FCRA No bureau reports : last payment date payment history original contract documentation validating ownership itemized accounting Under XXXX  XXXX, incomplete data = unverifiable data. 

XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA 1681i Previous disputes resulted in template responses with no evidence of actual documentation review. 
This is not a lawful reinvestigation. 

XXXX. Violation of Florida XXXX XXXXXXXX XXXX is furnishing misleading, incomplete, and contradictory information, which is prohibited under Florida consumer collection laws. 

Requested Action I request that CFPB require XXXX  and the credit bureaus to : Provide full documentary validation, including the signed contract, XXXX  proof, ownership records, and itemized accounting, or Delete this account from all consumer reports due to its inaccurate, contradictory, incomplete, and unverifiable reporting. 

Thank you for your assistance. 

Sincerely, 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged-off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : ( XXXX XXXX XXXXXXXX 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 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im sending over my ftc reports I want all these accounts removed in 4 days that I didnt open

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 2025-11-29 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: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
I charged {$100.00} to XXXX  Apple Card back in XX/XX/year> and never received the order. Because XXXX  used my Apple card I disputed it with the XXXX card XXXX  have done so XXXX  today. I finally paid my total bill on XX/XX/XXXX and on XX/XX/XXXX? they charged the {$100.00} back to my Apple Card. I have called at least a XXXX  times XXXX they just keep filling disputes which the company claims That I did receive the merchandise but XXXX XXXX now owes XXXX XXXX credits of {$100.00}! Because I paid it on XX/XX/XXXX even though I didn't receive it, XXXX they charged it back on my account on XX/XX/XXXX. I called again today and they hung up on me! Please XXXX  to get XXXX  credit which is XXXX charges of ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Bankruptcy was filed XX/XX/year> in which all accounts on my credit report were included besides consumer portfolio services. There was XXXX payment history for any and all accounts reported. XXXX XXXX and XXXX XXXX went back and reported old payment history. Also there is no way an investigation was properly done by the credit bureau ( s ) because my LAST NAME IS SPELLED WRONG, which is attached.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Bankruptcy was filed XX/XX/year> in which all accounts on my credit report were included besides consumer portfolio services. There was XXXX payment history for any and all accounts reported. XXXX XXXX and XXXX XXXX went back and reported old payment history. Also there is no way an investigation was properly done by the credit bureau ( s ) because my LAST NAME IS SPELLED WRONG, which is attached.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was a victim of predatory business practices from the experian membership for credit monitoring. The membership is designed to get you to sign up by making access to the sites basic features difficult, without signing up for a free trial membership. It is difficult to cancel your subscription, I tried and failed to cancel on XXXX separate occasions, deciding to just block them using my payment providers app. They attempt to charge me every month and today they managed to take {$26.00} from my checking account. Experian claims to offer membership refunds, and so I attempted to start the process with their customer service. This has been difficult as well, and I could not get a straight answer from the customer service representative about whether the refund was actually initiated or not. I was told " the money is not taken from your account '', even though it has been, and " it has to do with your bank ''. Overall just confusing and they kept telling me to wait XXXX hours for it to process on their end. I'm not sure what this means, but the charge is pending on my debit card. I caught this unwanted charge the minute it happened and was very quick to attempt to initiate the refund while the charge is still pending, but they were not helpful in providing any information at all about my refund or cancelling my membership. In the end the customer service representative even hung up the phone on me abrubtly.

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 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. XXXXXXXX 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 2025-11-29 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: NJ

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting the immediate deletion of the XXXX XXXX account # XXXXXXXX XXXX XXXX from all of my credit reports. This account was paid under a pay-for-deletion agreement, yet it is still reporting. 

The information being furnished is inaccurate and inconsistent, violating the Fair Credit Reporting Act, including : Different dates being reported by TransUnion and Equifax Different high credit limits being reported across bureaus Violations of FCRA 607 ( b ) ( maximum possible accuracy ) Violations of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) Failure to correct errors after dispute ( FCRA 611 ) These errors are actively hurting my credit profile and blocking me from purchasing my XXXX  home. 
I request that the CFPB require the following : Full deletion of the XXXX XXXX account from all bureaus Removal of all inconsistent dates and incorrect high-credit data Written confirmation of the deletion I have attached proof of payment and screenshots showing the inconsistent reporting. 
Thank you for your prompt attention. 
Sincerely, 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 2025-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened a savings dedicated account with XXXX XX/XX/year> for my child on XX/XX/XXXX, the funds were put into my savings account I immediately noticed that my savings account says negative {$990.00} XXXX which was truly alarming so I go up to the bank sat with the banker that opened the account we tried to figure out what the issue was. He stated it must be a IRS issue due to me being audited the month before caught the IRS XXXX times they stated it is not an issue on their behalf. We had set up a pay arrangement and XXXX  still waiting on the money they ordered it to be released so the banker goes and say OK it must be a Social Security issue so I leave the office cause Social Security XXXX in fact told me it is not a issue on their half. Its a bank issue so I called up to the bank told him what they told me he said lets wait until XXXX when the IRS gets their money released so on XX/XX/year> I go back up to the bank to speak with the banker because my checking account was back negative now we figured out that it was there was going to be a reverse fee XX/XX/XXXX and he also told me that he figured out why my account was in the negative and being held. He set up the savings account wrong that they thought that I was dead and thats why my account is- {$900.00}, XXXX. XXXX very much healthy and alive so XX/XX/year>. I emailed him and asked the same information. Whats the estimate of the money being released and what did the higher up say when he emailed them about the error that he made starting the account he apologize thanks for my patience and said that he was going to email them again and if he XXXX  hear anything by XXXX PM, he would call them directly I have not heard anything and XXXX getting impatient. This is starting to upset me because its been a total of XXXX  days without my money and I feel this is probable cause for a lawsuit due to it being a bank error on their end this is miss handling of my funds and XXXX  been more than patient trying and waiting for money that I XXXX  have to wait for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I am writing to ask a question about policy. I have been a loyal Chase customer for 20 years and have never closed a credit card. However in XX/XX/year>, I closed my Chase XXXX XXXX XXXX card via secure message. I was not given a written disclosure or a verbal disclosure about the terms of closure when I received a secure message response saying the card had been closed. Therefore I did not realize that my points would be forfeited upon closing the card. Isn't there a policy that requires me to receive a disclosure BEFORE I close the card? I was told by Chase customer service that this policy does not necessarily apply if you close the card via secure message ( only if you call ). I did verify with Chase that they mailed a disclosure letter to me AFTER I closed the card, but since I did not get a disclosure PRIOR to closing the card, I feel this was misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$650.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX XXXX. XXXX loans were taken out in my name without my knowledge or consent, and these loans are negatively affecting my credit report. I have never purchased a vehicle from XXXX, nor have I ever visited any XXXX store or used their website. These fraudulent loans were opened in my name, and I have reported this issue multiple times to no avail. 

Account # XXXX XXXX Account # XXXX XXXX XXXX loans were opened in my name, which I did not authorize or initiate. 
* I have never bought a vehicle from XXXX nor had any interactions with their stores or website. 
* Despite reporting this issue to the company and credit reporting agencies multiple times, these loans continue to appear on my credit report. 
* I demand that these fraudulent accounts be removed from my credit profile immediately.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX XXXX. XXXX loans were taken out in my name without my knowledge or consent, and these loans are negatively affecting my credit report. I have never purchased a vehicle from XXXX, nor have I ever visited any XXXX store or used their website. These fraudulent loans were opened in my name, and I have reported this issue multiple times to no avail. 

Account # XXXX XXXX Account # XXXX XXXX XXXX loans were opened in my name, which I did not authorize or initiate. 
* I have never bought a vehicle from XXXX nor had any interactions with their stores or website. 
* Despite reporting this issue to the company and credit reporting agencies multiple times, these loans continue to appear on my credit report. 
* I demand that these fraudulent accounts be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, no longer XXXX and my mortgage is under XXXX XXXX. CFPB website wouldn't let me update my name. 

My ( XXXX XXXX ) mortgage servicer is attempting to collect amounts not owed after my loan was paid off, has mishandled the escrow and payoff process, and is reporting late payments to the credit bureaus after the loan was closed. This has caused financial harm. 

Details : Payoff letter issued on XX/XX/2025 already included the XXXX payment Loan paid off and closed on XX/XX/2025 XXXX  attempted to collect an additional XXXX payment anyway XXXX  paid property taxes after payoff and is trying to bill me for it XXXX  has rejected payoff wires repeatedly XXXX  is reporting the mortgage as late after payoff, which is incorrect These actions violate RESPA, TILA, FCRA, and federal mortgage servicing rules. 

Resolution Requested : Correct the payoff accounting Remove all improper charges Correct all credit reporting Provide confirmation that the loan is paid in full and closed Provide a full explanation of escrow activity and post-payoff disbursements XXXX XXXX XXXX

Company response to consumer: Closed with explanation