vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because I was alarmed to find multiple inaccuracies and misreported late payments on my credit report that do not reflect my actual account activity, which could negatively affect my creditworthiness and financial opportunities. Specifically, my XXXX XXXX account ending in XXXX inaccurately reports late payments on XX/XX/XXXX through XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( 6XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), and from XX/XX/XXXX through XX/XX/XXXX ( XXXX days late ). Similarly, my XXXX XXXX account ending in XXXX reports late payments from XX/XX/XXXX through XX/XX/XXXX ( XXXX days late ). These reported late payments are inconsistent with my own records. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to ensure that these inaccuracies are corrected. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that consumer reporting agencies maintain maximum possible accuracy, and it is clear that my accounts do not meet this standard. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) requires furnishers to report accurate information and promptly correct errors, which directly applies to the misreported late payments on my accounts. FCRA 611 ( a ) ( 15 U.S.C. 1681i ) gives me the right to dispute incomplete or inaccurate information and mandates a full reinvestigation within XXXX days. Moreover, FCRA 605 ( a ) ( 15 U.S.C. 1681c ) emphasizes that outdated or obsolete information must be reported correctly, and FCRA 609 ( a ) ( 15 U.S.C. 1681g ( a ) ) allows me to access all information in my credit file to verify its accuracy. Therefore,

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no ties to these accounts and demand their removal within XXXX days under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not own these accounts and request their deletion within 15 days as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Yes I was married to a guy that was XXXX. He took out a XXXX XXXX but I didn't I did not have a job he did the finances. I found out at the beginning of XXXX XXXXhat my tax refund was taken by them. I file it as not mine on dispute and than fraud. They ignored me, now after being divorced for XXXX years they start garnishing my wages. I can barely afford anything. I have tried communicating with Transunion but they ignore me. I can't afford an attorney I really need help before I lose my 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 explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I disputed inaccurate reporting with Experian regarding a XXXX XXXX XXXX account ( purchased XXXX  XXXX account ). Experian completed the investigation, but the reporting remains inaccurate and does not comply with FCRA accuracy requirements. 

Several issues are still incorrect : The payment history shows C ( collection ) status every single month from XXXX, which is inaccurate. A purchased charged-off account should not report new delinquencies each month. 
Experian did not provide any documentation from XXXX XXXX validating the accuracy of the balance, dates, or payment history. 
The status updated date is frozen at XX/XX/XXXX, yet Experian continues updating the balance. This is inconsistent and inaccurate. 
The account shows {$690.00} past due every month, which is not correct for a debt-buyer collection account. 
XXXX  marked the dispute as Completed investigation consumer disagrees, without actually correcting or validating the errors. 

I am requesting a full reinvestigation with proper validation under FCRA 602 ( a ) and 611.

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 2025-11-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I disputed a charge from a gym membership-esque company called XXXX that was charged to me on XX/XX/XXXX, which refused to refund me after I canceled my membership and they charged me for an additional month. XXXX uses a credit based system where you pay monthly for credits that must be used that same month or else they expire. Needless to say, I was charged for an extra month of credits that have since expired. I did not use a single credit. I filed a dispute with Citi, the bank of the credit card I purchased it XXXX and they denied my chargeback request on XX/XX/XXXX saying the return policy/cancelation process was not followed. I was mere hours late on requesting a refund the charge had JUST hit my account and the services are not even accessible to me any longer, I paid for a service that would have never been made available to me.

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 2025-11-21 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my EXXXX XXXX and TransUnion credit file contains multiple inaccuracies that misrepresent my financial history, account status, personal information, and credit inquiries, and these errors have harmed my creditworthiness ; specifically, my address is incorrectly reported, several accounts show late payments or charge-offs that contradict my verified payment records, and there are credit inquiries listed that I did not authorize or that lack a permissible purposethese reporting failures violate my rights under the Fair Credit Reporting Act ( including 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ) ) because they are neither accurate nor properly verified and therefore create a misleading picture of my credit behavior and risk. 

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 Balance : {$47000.00} SBNA XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my EXXXX XXXX and TransUnion credit file contains multiple inaccuracies that misrepresent my financial history, account status, personal information, and credit inquiries, and these errors have harmed my creditworthiness ; specifically, my address is incorrectly reported, several accounts show late payments or charge-offs that contradict my verified payment records, and there are credit inquiries listed that I did not authorize or that lack a permissible purposethese reporting failures violate my rights under the Fair Credit Reporting Act ( including 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ) ) because they are neither accurate nor properly verified and therefore create a misleading picture of my credit behavior and risk. 

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 Balance : {$47000.00} SBNA XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00}

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
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice To Update My Personal Information To Whom It May Concern : I am writing to update/correct my personal information on file with your company. As there are a series of inconsistent, inaccurate and false information showing based on my observation. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : I do not wish to have employers listed on my report for my safety and privacy and I do not wish to have any telephone numbers on my report. 

I do not have any other names or aliases and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the XXXX XXXX XXXX, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response. 

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 2025-11-21 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-21 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: CA

Complaint narrative:
I have found fraudulent accounts opened on my credit report, the accounts are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, please remove it from my credit report.

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 2025-11-21 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
I hope this letter finds you well. I am submittting to formally dispute several discrepancies that I have found in my credit report. Upon reviewing the information provided, I have identified several entries that I believe to be inaccurate, outdated, or incorrectly reported. These errors are not only misleading but are also negatively affecting my credit score and my ability to access credit. I am requesting the removal or correction of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX * * * * balance $ XXXX reported in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX balance : {$0.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX * * balance $ XXXX reported in XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * XXXX XXXX balance {$150.00} ( Original Creditor : ) XXXXXXXX XXXX XXXX XXXX XXXX balance $ XXXXnot reported in XXXX and XXXX XXXX XX/XX/year> Fair Credit Reporting Act ( FCRA ). Specifically : FCRA 607 ( b ) holds that it is the responsibility of the credit reporting agency to ensure the accuracy and completeness of the information provided in a credit report. FCRA 611 grants consumers the right to dispute any information on their credit report that they believe is inaccurate or incomplete. FCRA 623 ( a ) ( 5 ) and FCRA 604 ( a ) ( 3 ) require furnishers to report accurate information, including dates of first delinquency, collection accounts, and ensuring that credit inquiries are authorized and for permissible purposes. These discrepancies are misleading and unjust, and they are negatively affecting my credit profile.

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 2025-11-21 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: TX

Complaint narrative:
This is not a mistake or an error on my part. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are severely impacting me, causing ongoing negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies is essential for my well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint because Chase Bank has placed an extended, indefinite, and unlawful hold on a {$6000.00} check I deposited on XX/XX/year>. The check was deposited at a Chase branch, and both I and the check issuer were present in person to verify the legitimacy of the check. 

Despite this verification, Chase refused to accept it. They told me the verification must come from public records through XXXX, even though the issuer already confirmed the check in person, which should be more than sufficient verification. 

Chase has never provided me with a written hold notice, a required release date, or any written justification which violates Regulation CC, specifically : 12 CFR 229.13 ( a ) & ( c ) ( special or exception holds must be justified in writing ) 12 CFR 229.13 ( g ) ( 1 ) ( customer must receive written notice with an estimated release date ) 12 CFR 229.10 ( c ) and 229.12 ( funds must generally be available within 17 business days ) A hold lasting over XXXX months on a {$6000.00} check especially when the account is not new, the check is not large, and verification was provided in person is far beyond the maximum time allowed under federal law. 

Chases actions have caused significant financial harm, including : Late rent Financial hardship A separate paycheck deposit being delayed because of this verification hold Emotional stress and instability due to withheld funds Chase representatives keep telling me that only XXXX verification will be accepted, and they refuse to acknowledge the in-person verification already completed. They also refuse to give a release date or any written explanation, which is required by federal law.

Company response to consumer: Closed with explanation