vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: Financial Service Center of Ohio, LLC
State: TX

Complaint narrative:
I went to see if I could get a loan on XX/XX/XXXX and I was denied. So on XX/XX/XXXX they called me to see if I needed a loan. I didnt but I went just to see if I could get it. I got approved for XXXX dollars and I took it.The worker rushed through the paperwork on the computer, for me to sign and then gave me a check and a piece of paper that was about XXXX inch wide and XXXX inches long that had XXXX payment amounts and the due dates. I didnt think nothing about it, I just took it and the check and left. I figured that they were going to send me a copy of the loan in the mail or to my email but I never got anything in the mail and the only thing that they sent to my email address was the denial papers from XX/XX/XXXX and never received anything on the loan.On the XXXX wide little piece of paper, it had XXXX payments starting XX/XX/XXXX for XXXX and XXXX of XXXX and the last one is due XX/XX/XXXX for XXXX. That is a total of XXXX. I do honestly feel that since they had denied me in XXXX XXXX and 6 months later they call me and gave me a loan, with no problem asked, that they seen that I was on up in age and they thought that they would try to scam me big time.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to dispute multiple inaccuracies currently appearing in my credit report, which are negatively affecting my credit standing. These include errors in personal identifying information, inaccurate account reporting, and unauthorized or misattributed inquiries. Despite my efforts to ensure that my credit file reflects only accurate and verifiable data, the following issues remain unresolved. 
My credit file lists several incorrect variations of my name : " XXXX XXXX XXXX '' appears multiple times, and these listings should be corrected and standardized to reflect my full, legal name accurately and only once. In addition, XXXX addresses are being reported that are not associated with me and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following accounts are also inaccurately reported : XXXX  XXXX ( account ending in XXXX ) is being reported as " late open '' with balances of {$50.00} and {$15.00}, which is misleading and does not accurately reflect the current account status. 
XXXX XXXX ( account beginning with XXXX ) and XXXX XXXX ( account beginning with XXXX ) are both being reported as charge-offs, despite ongoing efforts and payments toward resolution. These entries are inaccurate and must be fully verified with supporting documentation or removed if unverifiable. 
Additionally, multiple inquiries appear on my credit file that are not associated with any finalized or authorized credit transactions and do not reflect any open accounts. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others between XXXX and XXXX. The presence of these inquiries is unfairly impacting my credit profile and requires correction under the FCRA. 
Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, I have the right to dispute any inaccurate information and to request a reinvestigation to ensure maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to dispute multiple inaccuracies currently appearing in my credit report, which are negatively affecting my credit standing. These include errors in personal identifying information, inaccurate account reporting, and unauthorized or misattributed inquiries. Despite my efforts to ensure that my credit file reflects only accurate and verifiable data, the following issues remain unresolved. 
My credit file lists several incorrect variations of my name : " XXXX XXXX XXXX '' appears multiple times, and these listings should be corrected and standardized to reflect my full, legal name accurately and only once. In addition, XXXX addresses are being reported that are not associated with me and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following accounts are also inaccurately reported : XXXX  XXXX ( account ending in XXXX ) is being reported as " late open '' with balances of {$50.00} and {$15.00}, which is misleading and does not accurately reflect the current account status. 
XXXX XXXX ( account beginning with XXXX ) and XXXX XXXX ( account beginning with XXXX ) are both being reported as charge-offs, despite ongoing efforts and payments toward resolution. These entries are inaccurate and must be fully verified with supporting documentation or removed if unverifiable. 
Additionally, multiple inquiries appear on my credit file that are not associated with any finalized or authorized credit transactions and do not reflect any open accounts. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others between XXXX and XXXX. The presence of these inquiries is unfairly impacting my credit profile and requires correction under the FCRA. 
Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, I have the right to dispute any inaccurate information and to request a reinvestigation to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: DE

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate item listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate item remain. 
XXXX XXXX XXXX Balance Owed : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
This is a follow-up to my previous dispute regarding inaccurate account reporting on my credit file. Despite providing documentation to support my claims, continues to report delinquencies that are false and damaging to my credit standing. Specifically, the following accounts are being reported with past-due or delinquent statuses : XXXX XXXX XXXXXXXX ( Account ending in XXXX, Balance : {$8900.00} ) XXXX XXXX XXXX XXXX  ( Account ending in XXXX, Balance : {$3400.00} ) XXXX  ( Account ending in XXXX, Balance : {$3500.00} ). These accounts are tied to my XXXX XXXX, for which I have been actively enrolled in a structured 0 % APR payment plan since XX/XX/XXXX. Under this agreement, I have been making consistent monthly payments of {$110.00}, with no missed payments. On XX/XX/XXXX, I made an additional payment of {$230.00}, which brought my account fully current. I previously submitted documentation confirming this payment plan and my payment history. Despite this, has failed to update or correct the reporting. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require that information reported be accurate and that consumer disputes be properly reinvestigated. has not verified this information with reliable sources, nor have they corrected the record in accordance with the documentation I provided. The continued misreporting is harming my creditworthiness and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to make a complaint about the Chase Sapphire Rewards travel protection insurance, which I've come to the conclusion is not a real benefit of the card and is effectively a scam. My wife had a XXXX while we were in XXXX. We had a flight booked on XXXX to XXXX. We had to go to the hospital. XXXX does not have a cancellation process and does not offer refundable tickets. There is no button to cancel flights and they do not offer proof of cancelled flights. I filled a claim via Chase travel on XX/XX/XXXX. I have uploaded multiple forms of documentation that the trip was canceled ( cancelling hotels for example, the refund policy, the receipts, multiple doctors notes ). The Chase benefits team repeatedly keeps requesting the same documents over and over despite assurances that the claim is under review. I have made over 10 phone calls. I have come to the conclusion that this benefit does not exist and is a willful effort to mislead Chase customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had a card with cash app an had savings put in there and other money got some transferred before this started but they let XXXX takeout almost {$900.00} try to fix with cash app got a little back but would never get the rest of my money back for me after I set hrs sending info numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX withdrew {$450.00} from my checking account .. a few hours later per the tracking info XXXX requested that XXXX send the device back to them AFTER withdrawing my money from my account ( literally within hours ). Ive been contacting XXXX to figure out what is going on and no one has been able to provide me with an actual reason as to what happened. I never requested a cancellation. Now XXXX is refusing to refund my money until the device reached back to the warehouse but the device never even has a chance to be on my possession. A label was created for the device on XX/XX/XXXX .. XX/XX/XXXX they withdrew my money and on XX/XX/XXXX they told XXXX  to return the device back to sender. Upon checking the XXXX  tracking info the device has been moving all around XXXX  for whatever reason and has been sitting at XXXX  since XX/XX/XXXX .. its is now XX/XX/XXXX and the device is still with XXXX  and the delivery date keeps being pushed back. I did my part and I paid for the device and I never got my merchandise. So now XXXX has my money and XXXX  is holding the device and none of this is due to fault of my own. XXXX  wont even send out a replacement device for this mess up. They are telling me if I want the device Id have to pay them another {$450.00} on top of the {$450.00} they already took from me and havent returned or given me the product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 am filing a follow up complaint regarding inaccurate and unverifiable information on my credit report, including collections, late-closed accounts, inquiries, and incorrect addresses. These errors are harming my creditworthiness and misrepresenting my financial history.XXXX XXXX XXXX XXXX XXXX Date of Last Activity : XX/XX/XXXX, Balance Owed : {$270.00} This account is inaccurately reported and does not reflect my actual payment history.XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : XX/XX/XXXX, Balance Owed : {$0.00} This account is inaccurately reported as late-closed. 
XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX These addresses are incorrect and do not reflect my actual residence history. 
Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were either unauthorized or inaccurately reported.

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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I finally was able to review my credit report and found many errors, fraudulent accounts i did not open, address that i have not lived at, jobs i was not and-or previously been employed at, inquiries, and credit cards that i never applied to. I am currently working diligently to contact credit bureaus and creditors to have these fraudulent accounts removed from my credit report. I have listed a few of the discrepancies XXXXXXXX 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 Inaccurate birthdate XXXX XXXX XXXX I am requesting these things be investigated and removed from my credit report expeditiously.

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 2025-09-24 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: IL

Complaint narrative:
I am a XXXX XXXX XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX XXXX Account number : 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 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have found collection accounts on my credit report that I believe include inaccurate or incorrect details. Pursuant to my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I request that these entries be thoroughly reviewed. If any of them can not be verified for accuracy, I respectfully request their removal from my 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 explanation
Consumer complaint received 2025-09-24 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 filing a complaint because my credit report contains multiple inaccuracies that are negatively impacting my credit profile. Specifically : Charged Off Accounts ( Inaccurate Reporting ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} These accounts are either reporting incorrect balances or are inaccurately reflected as charge-offs when they should not be. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Balance Owed : {$8200.00} This appears to be a duplicate or inaccurate collection entry that does not reflect my true payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries were either not authorized by me or are being inaccurately reported multiple times.These inaccuracies are causing significant harm to my creditworthiness, preventing me from obtaining fair credit opportunities.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that appear to contain inaccurate details. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am requesting a full investigation into these accounts. If they can not be verified as accurate, I respectfully ask that they be deleted from my credit file.

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 2025-09-24 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: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$0.00} XXXX XXXX * * * * * * * * * * Balanced {$690.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have found collection accounts on my credit report that I believe include inaccurate or incorrect details. Pursuant to my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I request that these entries be thoroughly reviewed. If any of them can not be verified for accuracy, I respectfully request their removal from my 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