vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I started an assumption of mortgage with Chase Bank on XX/XX/year>. I received the application and completed it by XX/XX/year>. I received an email asking for additional information on XX/XX/year>, and all documents were submitted and sent to underwriting by XX/XX/year>. Since that time, I have called repeatedly to check the status of this application and have simply been told it is being reviewed and can take up to XXXX business days with no further information. I have informed Chase XXXX XXXX that this request is based on a divorce/transfer of assets that needs to be completed by the end of XX/XX/year> or I will be forced to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.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 explanation
Consumer complaint received 2025-11-13 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX is reporting an account as a collection charge off with a balance of XXXX dollars. This reporting is inaccurate, misleading, and does not reflect the true nature of the account. A balance of XXXX dollars does not qualify for a charge off and should not be reported as a major derogatory account. 

This inaccurate information is damaging my credit profile and violates the Fair Credit Reporting Act because it is not complete or accurate. I attempted to resolve this by disputing it through the credit bureaus but the furnisher continues to report it as a collection charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CT

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Wire transfer initiated on XX/XX/XXXX in the morning. Called back around their closing time they did not respond. Called again today on XX/XX/XXXX, was told the funds would be transferred later on in the day. They called and stated they were not processing the transfer. USAA IS NOT RESPONDING, no one to talk to and no information. Need the money for a house closing. People are rude, not helpful, and will not disclose information. Have called a minimum of XXXX times.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I disputed a {$3600.00} XXXX XXXX personal-training debt with Collection Receivables, Inc. and requested full validation under the FDCPA. The company only sent the contract and invoices but did not provide an itemized balance, proof of services, or documents showing authority to collect or add a 50 % fee. Despite my dispute, they continued collection and verified the account as accurate with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
On multiple occasions i requested for certain accounts to be removed due to identity theft an the data breach and they got removed an came back on i submitted written verification an dispute request under FCRA requesting proof and confirmation and verification and still nothing

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 2025-11-13 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Information on My Credit XXXX XXXX am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from TransUnion. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit dataXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, XXXX XXXX XXXX XXXX XXXX to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data XXXX for XXXX Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX  (XXXX) business days, and a final resolution within the legally mandated XXXX. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report XXXX to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the XXXX XXXX XXXX XXXX XXXX  be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional XXXX you for your prompt attention to this matter. Please send any responses or updates to 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 2025-11-13 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: PA

Complaint narrative:
I am really disappointed and frustrated that inaccurate late payments are still visible on my credit report this morning. They have not been corrected even after I refreshed my browser. I want this resolved right away, and I am asking that my submitted documents be carefully reviewed so I can finally have peace of mind about this.

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 2025-11-13 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: TX

Complaint narrative:
I am filing a formal complaint against all three credit bureaus for repeatedly reporting inaccurate information and falsely marking several negative items as verified without providing proper documentation. 
These items include : Multiple late-payment accounts ( XXXX XXXX XXXX XXXX XXXX, and XXXX  ) XXXX repossession ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) It has now been well over XXXX  days closer to XXXX since I mailed my disputes certified, and none of the bureaus have provided a single piece of legitimate verification. 
Instead, Ive received : Automated letters saying the account was verified Copies of my own credit reports ( which I already have ) Notices claiming you have a third party working on your credit Statements implying that I filed for identity theft which I never did None of those responses meet the legal definition of verification under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ) or satisfy Metro 2 Compliance Standards.Since the credit bureaus apparently dont understand the law, let me explain : Under FCRA 611 ( a ) ( 1 ) ( A ), a credit bureau must conduct a reasonable investigation using actual documentation from the furnisher not rely on automated data matching ( ACDV ). Under FCRA 623 ( b ), furnishers must review all relevant information provided by the consumer. 
Heres what proper verification looks like for each type of account : Late payments : The creditor must provide proof of payment receipt, such as bank or posting statements showing the exact date the payment was received and applied. Anything else is hearsay. 
Charge-offs : The creditor must provide the full payment ledger, monthly statements leading into default, the default/acceleration notice, and the charge-off calculation showing how the balance was derived. 
Repossessions : The furnisher must provide the contract, payment history, default notice, repossession order, auction/sale paperwork, and deficiency balance breakdown. 
If none of that exists or cant be produced, the item can not be verified and must be deleted.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my credit file must include only information that is accurate, complete, and verifiable. I am therefore asking that these late payment entries be investigated and verified, and if they can not be substantiated, that they be promptly corrected or deleted.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file complain against Citibank regarding the recent closure of my credit card account. 
Citibank had requested that I provide form XXXX as part of their verification process. I promptly complied and submitted the requested document. However, shortly after providing the form, Citi bank unexpectedly closed my credit card account without providing a clear explanation or any prior notice. I have tried to contact Citi Bank to understand the reason for this action and request reinstatement or additional clarification, but I have not received a satisfactory response. This situation has caused me inconvenience and concern, as I acted in full compliance with their instructions. 
I am deeply concerned that this action may have been discriminatory in nature. I would like this matter reviewed to ensure that all costumers, including myself, are treated fairly and without bias.

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 2025-11-12 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: TX

Complaint narrative:
I am disputing the late payments reported by XXXX XXXX XXXX because they violate the Fair Credit Reporting Act and the laws shown below. This creditor has violated my rights under 15 U.S.C. 1681 Section 602, which states that consumer reporting must be fair, accurate, and respect the right to privacy. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account or derogatory information without my written authorization when the accuracy is in question.

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account as late without properly posting the payment as of the date received and providing accurate written notice. XXXX has not provided any written instructions, billing statements, payment-posting records, or legally required validation showing that these late payments are accurate. 

XXXX failed to validate any of the allegedly late months, including multiple 30-, 60-, and 90-day delinquencies. Experian and XXXX also violated 15 U.S.C. 1681i and 1681s-2 ( b ) by failing to conduct a reasonable reinvestigation after my dispute. Because no proof was provided that the late payments are accurate, verified, or legally furnished, these late marks are unverified, inaccurate, and must be deleted immediately. 

I am requesting the complete removal of ALL late payments reported by XXXX, as they were furnished in violation of federal law and without proper verification.

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 2025-11-13 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$230000.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXXXXXX XXXX  - Balance : {$820.00} - Date Opened : 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 non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm, and I will not tolerate it any longer.

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 2025-11-13 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1800.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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