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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my New York credit report and discovered that XXXX XXXX  and XXXX XXXX XXXX XXXX  are reporting accounts with account numbers that do not match their own official records. 

For the XXXX auto loan, the account number being reported to the credit bureau does not match the account number listed on the official Notice of Right to Cure Default that XXXX sent to me. XXXX letter references a different account number than the one appearing on my credit report. 

For the XXXX credit card, the account number shown on my credit report does not match the account number on my official XXXX billing statement. The credit report lists an account ending in different digits than the statement issued by XXXX. 

Because the account numbers do not match the original creditor documents, I can not verify that the debts being reported are accurate or even belong to the same accounts. I disputed these inaccuracies, but the incorrect information continues to appear on my credit report.

As a result, inaccurate and misleading information is being furnished about me, which has negatively affected my credit profile. I am requesting that these items be corrected or removed unless the furnishers can provide documentation showing that the account numbers being reported are accurate and correspond to the same accounts shown in their own records.

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: WA

Complaint narrative:
I am disputing inaccurate and unverifiable information currently reported by TransUnion on my credit report.

Incorrect Previous Address Reporting : TransUnion is reporting prior addresses that are inaccurate or not associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies raise concerns regarding the integrity of my credit file.

Disputed Charged-Off Accounts : XXXX Account # XXXX ( Charge-off dated XX/XX/XXXX, {$0.00} balance ) XXXX XXXX XXXX Account # XXXX ( Charge-off dated XX/XX/XXXX, {$0.00} balance ) XXXX XXXX XXXX Account # XXXX ( Charge-off dated XX/XX/XXXX , {$22000.00} balance ) TransUnion has failed to provide sufficient evidence that these accounts were verified using reasonable procedures. The continued reporting of these accounts without proper validation violates my rights under the Fair Credit Reporting Act.

I am requesting : Immediate correction or deletion of inaccurate address data Removal of any charged-off accounts that can not be fully verified Written confirmation of actions taken

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We ( my wife and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices.

Two accounts, # XXXX and # XXXX, were added to our credit reports under the category Time Shared Loan / Installment Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us.

We were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. 

XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. 

Provide copies of all contractual documents. 

Cease deceptive reporting as mortgages.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
We ( my wife and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices. 

Two accounts, # XXXX and # XXXX, w

ere added to our credit reports under the category Time Shared Loan / Installment Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us. We were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. 

XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. 

Provide copies of all contractual documents. 

Cease deceptive reporting as mortgages.

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: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Ive made several calls regarding my closed account, and the money was supposed to be transferred to my current bank account or to my XXXX XXXX Credit Card Account held by Chase Bank. Ive never received anything from them, as they blatantly lied about the transfers. I tried my best to get them to send my check to the address they have on file for my bank account ( Closed ). They said I shouldve received the check, but I clearly didnt as of yet, and again spent hours on the phone trying to recover my money. They again stated that they had sent it out, but I still havent seen now the 3rd check theyve claimed to send to me. The amount may not be a lot to some people, but my wife and I are struggling to keep food in our house right now. So even that tiny amount of around {$35.00} would help us tremendously, so theres absolutely no reason why they havent sent it to me. The thing I find most frustrating, I call them and they have the hardest time finding anything about me whatsoever? I hold an XXXX XXXX XXXX through Chase Bank, but they dont have any record of me seems more then odd? Thats how I got the bank account in the first place, I was given it as part of my XXXX Credit Card Account! Ive since called another 5+ times, and continue to get the runaround from them, so I honestly dont know what steps to do differently now? I was told to file through here first, and if they dont resolve it I can take further action soon. I closed my account in XXXX, and wouldve had my money at the start of XXXX. However here I am almost 4 months later and still not a penny has been returned from Chase Bank?

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am submitting this complaint regarding Discover Banks handling of a fraud dispute on my credit card account involving unauthorized transactions totaling {$3100.00}. 

In 2025, multiple charges were posted to my Discover account for transactions made in XXXX, Florida. I did not authorize these transactions and was not physically present in XXXX at the time the charges occurred. 

I promptly notified Discover upon becoming aware of the charges and fully complied with all requested procedures. This included filing a police report with the XXXX XXXX  XXXX, signing and returning Discovers anti-fraud affidavit, and participating in a detailed phone interview with Discovers fraud department. 

Despite my cooperation and the supporting documentation provided, Discover reinstated the disputed charges and held me responsible for the fraudulent transactions. When I requested clarification, I was informed by a Discover representative that the decision was based primarily on the fact that I viewed the charges in the Discover app and contacted the company two to three days later.

I believe this reasoning is inappropriate and inconsistent with consumer protection standards, as a brief delay of a few days has no bearing on whether transactions were authorized or fraudulent. Additionally, I had not been actively using my Discover card prior to these charges, making the transactions inconsistent with my account history. 

Discover has not provided a clear or detailed explanation demonstrating how it concluded that I authorized these transactions, despite the evidence submitted. I am requesting that the CFPB review Discovers handling of this matter and require Discover to provide proper validation or correct the account accordingly.

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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to dispute several items listed on my Equifax credit report. I have reviewed my credit file and found discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ). 
Below are the accounts in dispute : Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NM XXXX Date of Birth : XX/XX/year> SSN : XXXX  -- XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XXXX Discrepancy : The account is incorrectly reported as Negative despite being in good standing. This violates FCRA Section 1681i and 1681e ( b ), which require accurate reporting and timely updates. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} Date Opened : XXXX Discrepancy : This account is inaccurately marked as XXXX, despite no missed payments. This is a violation of FCRA Section 1681e ( b ), which mandates accurate reporting of payment histories

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: NM

Complaint narrative:
I am writing to dispute certain items listed on my Experian credit report. After reviewing my credit file, I found several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). I request that these inaccuracies be corrected immediately. 
Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NM XXXX Date of Birth : XX/XX/year> SSN : XXXX  -- XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} Date Opened : XXXX Discrepancy : The account was marked as Unpaid balance reported as a loss, but this does not reflect my payment history. This violates FCRA Section 1681e ( b ), which requires accurate reporting of credit information. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XXXX Discrepancy : This account is inaccurately reported as Negative, despite being in good standing with timely payments. This is a violation of FCRA Section 1681i and 1681e ( b ) concerning accuracy in 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 2025-12-15 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: NJ

Complaint narrative:
I am writing to dispute multiple inaccurate entries that are affecting my credit report. Below are the accounts in dispute, separated by bureau : CHARGED OFF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Control, LLC
State: PR

Complaint narrative:
Hi * * * * * * * Thank you for your payment in the amount of {$350.00} that was received on XX/XX/year>. 

This account has now been settled for less than the full account balance. 

Thank you again! 
Your Account Information Current Creditor 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 2025-12-15 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information on my credit report. My report currently lists the following addresses, which are incorrect and have no association with me : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have never resided at, nor have I ever had any connection with, these addresses. I request that these addresses be promptly investigated and corrected or removed from my credit report to ensure the accuracy of my personal information. 

I urge the CFPB to conduct the necessary investigation and direct the relevant credit reporting agencies to verify the accuracy of these entries and update my report accordingly. 

Enclosed are supporting documents demonstrating that these addresses are not associated with me. I request that this matter be resolved as soon as possible. 

Thank you for your prompt attention to this issue.

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:
I am a consumer who is working on correcting my credit report. I have discovered several inaccuracies and discrepancies that I would like to address, and I request that these items be investigated and corrected. Below are the details of the accounts I am disputing, categorized by bureau. 

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 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 XXXXXX/XX/XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute certain entries on my credit reports that are inaccurate or incomplete. Below, I have provided the details of the accounts that I believe are in dispute. I am requesting that the relevant bureaus review and correct these discrepancies, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts Account Name XX/XX/XXXXXX/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 2025-12-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion placed a suppression/security block on my credit file without adequate notice or a reasonable process for removal. When my lender determined they could not receive a credit score from TransUnion, I contacted TransUnion multiple times beginning on XX/XX/year>. 

Each time I contacted them, their agents were incompetent and either stated there was XXXX ) nothing wrong with my file, 2 ) stated that a previous agent had removed a " freeze '' improperly, and to try again after the call ( with no resolution ), and/or 3 ) that their systems were not working and I would have to call back. 

On XX/XX/year>, after insisting on a supervisor for an hour, which is unreasonable and abusive after multiple attempts to gain resolution over the phone, I was informed for the first time that there was a suppression ( not a freeze ) on my file, and that the only way to remove the suppression was to mail physical identity documents. I specifically asked the supervisor if there was a shortcut to get back to a supervisor in the event they did not remove the suppression after I followed their instructions. They stated I would just have to call back and there was no easy remedy. I asked how the suppression got on my file and they had no answer. 

I mailed all requested documentation immediately. I was explicitly told by the supervisor the suppression would be removed within five business days of receipt. The letter and documents were signed for by a TransUnion agent on XX/XX/XXXX. Their deadline has now passed, and my lender still can not access my credit file. 

This failure is directly interfering with a time-sensitive mortgage and home-buying process. TransUnion has not provided a timely or reasonable resolution, nor have they complied with their own stated timeline. 

I believe TransUnion is in violation of the Fair Credit Reporting Act by failing to maintain an accessible credit file and failing to timely correct or remove an inaccurate security block.

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 writing to dispute the following items listed on my credit report. These accounts are in dispute, and I believe there are inaccuracies that need to be corrected. 

Charged Off Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Late Payment Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Not provided Balance : Not provided

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