vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} CXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1100.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account I have no knowledge of has been added to my credit report. I did not authorize this account or approve the use of my personal information. This is a case of inaccurate reporting, which has resulted in damage to my credit.

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 2025-08-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I never authorized XXXX XXXX to furnish my personal information to XXXX XXXX, XXXX and XXXX  this is a violation of my consumer rights .the company never disclosed my rights under the FCRA to get permission from me to furnish my information to 3rd party credit reporting agencies.

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 2025-08-08 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-08 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: CO

Complaint narrative:
On XXXXXXXX I, and my son, were not allowed to board a flight from XXXX XXXX to XXXX. The airline must have oversold the flight, and switched us to a flight leaving late that night and then sleeping in XXXX. They offered me the option of reimbursement as well, but why would I take it? I would have to spend way more to purchase tickets. 
I had purchased the tickets with chase sapphire card, that includes benefits such as trip delay reimbursement. 
With this knowledge, I called chase and asked what to do. In the conversation I told them about the possible reimbursement and that there was a flight later that day on XXXX that would cost an extra {$600.00}. The chase agent said that the insurance policy through the cc would cover the difference. Because she said as much, I booked XXXX tickets, ( about XXXX ) and got reimbursed for original tickets. ( XXXX ) I submitted report to chase when I returned back. Due to a currency exchange issue, the tickets were with a XXXX airline, and the dollar had lost value, the airline reimbursed me {$27.00} because I was sent XXXX for tickets that originaly cost XXXX. 
I called and asked where was the {$600.00}? They said that I had purchased refundable tickets and this was not eligible for the reimbursement. I explained many times that I didnt purchase refundable tickets, but was refunded because I wasnt able to board, and more significantly that their agent said that I would be paid the difference I asked them to listen to the call for proofafter many hours and frustration they responded to me that I would not be reimbursed. They said that they listened tot eh call, and it was about me trying to charge the XXXX tickets to XXXX co-branded chase card. but they listened to the wrong call. After my initial call I had called again because I didnt have XXXX  XXXX cc with me and wanted them to charge it to my XXXX XXXX XXXX I wouldnt have to pay for baggage. They said they couldnt do so since I didnt have the card in my possession. 
So to summarize : 1. I purchased tickets with chase sapphire card 2. I was told by an agent of chase sapphire jp-Morgan chasethat I should take airline offer, and I would be reimbursed the difference.

3. I sent in all relevant paperwork.

4. I was sent {$27.00}, when the amount was around {$600.00}.

5. I appealed and asked them to listen to phone call.

6. They conveniently listened to the wrong call.

7. I am turning to you, because their agent misinformed me, and they should be responsible for their error. 
Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MI

Complaint narrative:
CFPB Complaint Statement Inaccurate and Unverified Information on Credit Reports I, XXXX XXXX, am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with my lawful requests under the Fair Credit Reporting Act ( FCRA ). This is regarding multiple inaccurate and unverified items appearing on my credit reports with all three bureaus. 

On multiple occasions, I have disputed the following items and requested a detailed explanation of the reinvestigation procedures used to verify them, as required under 15 U.S.C. 1681i ( a ) ( 7 ). I specifically requested : The business name, address, and telephone number of any furnisher of information contacted The name of the person who verified the dispute The documentation relied upon to validate the disputed information The procedures in place to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) Disputed Items : Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) Unauthorized inquiries XXXX XXXX XXXX ( XX/XX/year> XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries XXXX XXXX ( XX/XX/year> ) Charge-off XXXX XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my disputes, all three bureaus failed to provide the legally required method of verification or any supporting evidence. The items remain on my credit reports without proof of accuracy. 
These failures constitute willful and/or negligent violations of 15 U.S.C. 1681i ( a ) and 1681e ( b ). If the bureaus can not provide documented proof of accuracy, they are legally obligated to delete these items immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CFPB Complaint Statement Inaccurate and Unverified Information on Credit Reports I, XXXX XXXX, am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with my lawful requests under the Fair Credit Reporting Act ( FCRA ). This is regarding multiple inaccurate and unverified items appearing on my credit reports with all three bureaus. 

On multiple occasions, I have disputed the following items and requested a detailed explanation of the reinvestigation procedures used to verify them, as required under 15 U.S.C. 1681i ( a ) ( 7 ). I specifically requested : The business name, address, and telephone number of any furnisher of information contacted The name of the person who verified the dispute The documentation relied upon to validate the disputed information The procedures in place to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) Disputed Items : Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) Unauthorized inquiries XXXX XXXX XXXX ( XX/XX/year> XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries XXXX XXXX ( XX/XX/year> ) Charge-off XXXX XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my disputes, all three bureaus failed to provide the legally required method of verification or any supporting evidence. The items remain on my credit reports without proof of accuracy. 
These failures constitute willful and/or negligent violations of 15 U.S.C. 1681i ( a ) and 1681e ( b ). If the bureaus can not provide documented proof of accuracy, they are legally obligated to delete these items immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$9000.00}

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>XXXX  I was driving to a doctor appointment for my family when I got a text from Chase Bank asking if I charged {$370.00} online for a waterpark an hour and a half away from me. I immediately called Chase locked My card froze my card after having a hard time with the customer service representative. They escalated it to the higher up who is very helpful. Shut my card down and sent me a new card within two days they reverse the charge and a month later, I received a Piece of mail from Chase saying that they found that the charge was authorized and theyre taking back the money for me after calling them and sitting on hold, no one would give me an answer why this was not me. I will not pay this money and I want to file a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

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 2025-08-08 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

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 2025-08-08 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: MT

Complaint narrative:
Back in XX/XX/year>, XXXX XXXX  purchased my vehicle loan from XXXX XXXX XXXX, they advised that once the take over process happens that a new account number would be assigned for me to make payments to, they created a new account number but advised me to continue to pay under the old XXXX XXXX account number since there system doesnt seem to recognize the new account number for payments. Upon looking at my credit report now there appears to be two loans out for the same account, both under XXXX XXXX and one showing my old account number and one showing my new. We contacted them immediately and were advised they are working on the issue, its been 4 months and repeated contact to their company and we keep getting the same run around, that they are working on it. I filed a fraud dispute with experian but after they investigate they only update the new balances showing our payments but do nothing else

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 2025-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 formally dispute several items listed on my credit report that I believe are inaccurate or have been reported in error. These items do not belong to me and I am requesting that they be investigated and removed from my credit file as per the Fair Credit Reporting Act ( FCRA ) 605B, which requires the removal of inaccurate information from a consumer 's credit file. The following items are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am writing to formally dispute several items listed on my credit report that I believe are inaccurate or have been reported in error. These items do not belong to me and I am requesting that they be investigated and removed from my credit file as per the Fair Credit Reporting Act ( FCRA ) 605B, which requires the removal of inaccurate information from a consumer 's credit file. The following items are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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