vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am really frustrated right now, last time, I asked for EXPERIAN to fix or to delete any variations that was on my file, but they did nothing for it to be fixed. This is actually the second time I disputed my personal information because they are doing nothing about it. My full legal name is XXXX XXXX, but I still see a last name XXXX on my file which is incorrect that should be UPDATED to XXXX. I live at XXXX XXXX XXXX XXXX NJ XXXX, but I still see an incorrect address and that's XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, AND XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I want these incorrect address be DELETED. I am also disputing incorrect numbers on my file which is XXXX, and XXXX DELETE THESE NUMBRS. Lastly, I am SELF-EMPLOYED, but I still see an incorrect employer which is XXXX XXXX XXXX XXXX XXXX I want these to be DELETED. These incorrect information was disputed last time you can check my dispute letter which was mailed on XX/XX/XXXX and was received via XXXX XXXX which is also attached on the file I will submit. They failed FCRA 15 U.S.C 1681e ( b ) for reporting an information without maximum possible accuracy. These negligence also falls under FCRA 15 U.S.C 1681o for failing to maintain accurate information and for not complying my request they violated FCRA 15 U.S.C 1681n which they are liable for damages.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Mishandling of Insurance Funds, Negligence, and Uninhabitable XXXX XXXX XXXX XXXX Summary of Issue : XXXX XXXX XXXXXXXX mishandled my insurance disbursements after my home suffered damage, causing delays that resulted in my property becoming uninhabitable. The first check they issued was made out to my deceased stepfather. The second check they issued had my name spelled incorrectly, making it impossible to cash or process. These avoidable errors delayed repairs, leading to worsening structural damage, including water leaking inside the home. 

Despite multiple notifications, the company failed to correct the issue in a timely manner. My household has suffered financial hardship, loss of habitable living conditions, and emotional distress due to the companys negligence.

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 2025-12-02 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: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Called me to threaten them suing me. Repeatedly called my employer. Cursed at yelled at me.. Told me i was a XXXX. Calling on a debt from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
My Chase checking account was closed a little over XXXX months ago after someone sent me a XXXX payment and later disputed it. I was not involved in any fraud or dispute, and Chase closed my account without giving me access to my remaining balance. 

A Chase representative told me that a refund check for my remaining funds would be mailed to me. It has now been more than XXXX months and I have not received any check or refund. I have contacted Chase multiple times and I am not given any timeline or clear explanation. 

Chase is holding my money from a closed account for over XXXX months with no resolution. I am requesting that Chase immediately release the remaining funds owed to me and provide an explanation for the long delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: SC

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 youhave 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 2025-12-02 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: SC

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 youhave 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian wont update my credit report/score its no score update because of my last name being a single letter? My full name is XXXX XXXX. We sent them countless of letters, no response. I even called them and they told me the information since my last name only has XXXX letter their system they unable to do it.

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 2025-12-02 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: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to the Wells Fargo outdoor drive through ATM machine on XXXXXXXX XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/2025. I had {$3700.00} in cash ( all {$100.00} bills ) to deposit. I wanted to deposit the cash in XXXX parts so it was not miscounted, as this has happened before at the same location. 
I first put in {$1000.00} in the machine. The metal intake closed and the screen prompt asked me - " Would you like to deposit more cash '' I hit yes, and the metal intake reopened and I then added the additional {$2700.00}. I completed and confirmed the transaction, however it stated only {$2700.00} on the screen. I assumed it just had not counted my first deposit. I went home and noticed that the {$1000.00} did not get added to my account and I proceeded to call the actual branch XXXX mins later. I left a voicemail and then immediately called the main customer service letting them know I just left the branch and my deposit was off, so they filed a claim. Over XXXX  days later, I received an email saying my claim was denied. I attempted to call them back and spoke with someone overseas saying there was nothing they could do and that they would have a bank executive in corporate call me. This was on XX/XX/2025. I have called several times since and been turned away saying my XXXX was closed and nobody could help me. They said there was not an overage of {$1000.00} cash in the ATM, which is not truthful. 

Claim Reference # 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
This account became delinquent in XX/XX/year>. According to federal credit reporting guidelines, negative accounts should only remain on a credit report for XXXX years. That time has already passed, yet this account continues to appear on all three major credit reports ( XXXX, XXXX, and XXXX ). 

I have made numerous attempts to resolve this matter by contacting Self Financial and Lead Bank to determine who is responsible for removing this outdated information. Despite my efforts, I was repeatedly transferred between departments and given different phone numbers with no clear answers. XXXX ultimately advised me to contact the credit bureaus directly, but when I reached out to each bureau, I was informed that the furnisherSelf Financial/Lead Bank ( Account # XXXX ) is responsible for the deletion. 

I have done everything within my power to have this error corrected, but after years of trying, I still have not received any assistance or resolution from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
The displayed information does not fully or correctly demonstrate my financial behavior. I kindly request a thorough review and modification.

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 2025-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
They have recently been contacting me on my personal phone number, I told them I would make payment arrangements but after realizing my bills for the rest of the year, we are in XXXX, I cant do it right now. He has threatened me with legal action, has harassed me by calling my corporate office at work, they have been extremely rude saying things well its a good thing that this calls are recorded and after I called them to let them know to stop calling me at work and stop harassing me in general, she said it wasnt illegal and that they can do it, she tried to put me on hold to transfer me to who was calling but I hung up.

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 2025-12-02 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: SC

Complaint narrative:
I am filing this complaint because TransUnion is reporting information I believe to be inaccurate or unverified. 
Charged-Off Account I am disputing the following account : XXXX Acct : XXXX XXXX shows the date as XX/XX/XXXX, which does not match the other bureaus. 

XXXX reported is {$9300.00}. 

The inconsistent dates and lack of validation make the reporting unreliable. 

XXXX. Hard Inquiries ( Unauthorized ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give permission to these companies to pull my credit. 

REQUEST : I am requesting that the CFPB instruct TransUnion to reinvestigate these items and remove anything that can not be verified with proper documentation.

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 2025-12-02 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: IL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-02 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Security Credit Services, who is reporting a collection account on my credit file and has engaged in what I believe to be fraudulent, deceptive, and irresponsible reporting practices. 

I have repeatedly disputed this collection account directly with Security Credit Services. Instead of providing proper validation or resolving the dispute, Security Credit Services continually passes responsibility to another company, XXXX XXXX XXXX, claiming XXXX is the company handling the debt. 

However, after contacting XXXX XXXX XXXX, I received an official written response from XXXX stating the following : They have no involvement with this account. 

They are not attempting to collect on this debt. 

They do not report to any credit bureaus. 

They have closed any internal file they may have had and want nothing to do with this matter. 

Despite that clear written statement, Security Credit Services continues to : Failed to remove the collection account from my credit report. 

Refuse accountability, deflecting the issue onto XXXX, even though XXXX has explicitly denied involvement. 

Neglect required dispute obligations, including proper debt validation and proper reporting during and after disputes. 

Maintain inaccurate and unverified information on my credit reports with no corrective effort. 

This back-and-forth finger-pointing between XXXX companiesone of which has provided written confirmation that they play no roleis causing continued, improper damage to my credit profile. Security Credit Services refusal to correct or remove the disputed, unverified account constitutes deceptive behavior and may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 am writing to dispute the following accounts on my credit report that are inaccurately reported. Below are the details of the accounts in question : Charged-Off Accounts : XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$520.00} XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$940.00} XXXX : XXXX, Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX : XXXX, Opened : XX/XX/XXXX, Balance : {$800.00} XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$340.00} XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$390.00} XXXX : XXXX, Opened : XX/XX/XXXX, Balance : {$180.00} Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Late Payments : XXXX : XXXX XXXX  : XXXXXXXX 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 2025-12-02 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Confirmed with Social Security if they have sent my direct deposit. They did and even sent them a follow up alert to remind them that my direct deposit has been sent to them so i can receive it. Still nothing, poor customer service, data breaches, and they do things out of spite like in this case withholding my funds because i switched my direct deposit from them to a different account

Company response to consumer: Closed with explanation