vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this XXXX expedited follow-up complaint to formally dispute multiple credit inquiries appearing on my consumer credit report without my authorization or knowledge. After reviewing my report, I identified numerous inquiries made by entities with whom I have no active accounts, applications, or permissible business relationships. These include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries were not initiated XXXX authorized by me and violate FCRA XXXX ( a ) ( 15 U.S.C. 1681b ( a ) ), which limits the furnishing of consumer reports to permissible purposes only, such as a credit application initiated by the consumer or other legally authorized uses. Additionally, FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) prohibits obtaining a consumer report without a legally valid reason. Unauthorized access also violates FCRA 619 ( 15 U.S.C. 1681q ), which criminalizes obtaining consumer information under false pretenses.Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of any disputed information. If any inquiry can not be verified as authorized or legitimate, it must be permanently removed from my credit file. Furthermore, FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy, and failure to remove unauthorized inquiries constitutes ongoing inaccuracy and misrepresentation of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX ( Authorized Representative : XXXX XXXX XXXX on behalf of XXXX XXXX, against Experian XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ). Despite a formal dispute sent on XX/XX/year>, Experian continues to report duplicate and inconsistent information for XXXX XXXX XXXX accounts ( Nos. XXXX and XXXX ). 

XXXX entry lists the account as Charge Off, while another reports it as Dispute Resolved Consumer Disagrees with a {$0.00} balance. These discrepancies violate FCRA 607 ( b ), 611 ( a ), and 623 ( b ), which require accuracy, proper reinvestigation, and correction of disputed data.

Experians failure to correct or delete these conflicting entries constitutes negligent and willful noncompliance, resulting in harm to XXXX XXXX credit profile and reputation. The complainant requests that the CFPB investigate Experians reporting and enforcement failures, compel the bureau to remove or correct all inaccurate data, and ensure full compliance with federal consumer protection laws.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I filed a dispute with Chase as the merchant approved the refund on XXXX. After a few weeks, I still haven't received my refund so I reached out to the merchant and informed me to file a dispute with my bank since they already sent the funds to my bank. 

So I file a dispute with chase and it gets denied a few days later because they already refunded me for a different order in XXXX which is not the same order or the same amount of {$1400.00}. 

Below are screenshots showing the merchant provided receipts that they sent the funds back on XX/XX/XXXX. 

I've even included the email from XX/XX/XXXX that the refund was approved. 

I provided all of the correct documents and it still got denied without moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am a U.S. Bank customer who has noticed that both the U.S. Bank desktop website and XXXX XXXX XXXX  display daily transactions out of chronological order. When multiple transactions occur on the same day, the running balance is calculated inconsistently for example, instead of showing {$10000.00} {$8000.00} {$6000.00}, the ledger might show {$10000.00} {$6000.00} {$8000.00}. This creates the appearance of a higher available balance than what actually existed at that time. 

When I contacted U.S. Banks customer service and asked to escalate the issue, the operator was courteous but seemed uncertain about how to resolve the concern. It did not appear that there was a clear process for documenting or forwarding this type of issue for review. However, when I later obtained a Statement of Activity for the same period directly from a U.S. Bank representative, that statement correctly reflected the transactions in chronological order with accurate balance progression. 

This demonstrates that the data itself is correct, but the digital systems both online and mobile are presenting the information inaccurately. The inconsistency between what customers see on the digital ledger and whats reflected in official statements is misleading and undermines confidence in the accuracy of U.S. Banks reporting tools.

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 2025-10-28 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: MN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-28 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: MN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX, represented by XXXX XXXX XXXX, XXXX ( authorized by XXXX XXXX XXXX, is filing a complaint against Equifax Information Services, XXXX for inaccurately reporting a XXXXXXXX XXXX Delaware account as a Charge Off. XXXX is only an Authorized User on the account and not financially responsible for the debt. 

A dispute letter was sent to Equifax on XX/XX/year>, requesting verification or deletion of the account under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Equifax failed to correct the inaccuracy or provide proper documentation. 

XXXX requests that the CFPB require Equifax to delete or correct the account and ensure full compliance with FCRA investigation and verification procedures. XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to TransUnion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), TransUnion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. TransUnion has therefore failed to conduct a reasonable reinvestigation as required by law. 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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect on several charged-off credit-card accounts allegedly purchased from Citibank , N.A . I mailed a certified Debt-Validation and Verification Demand on XX/XX/year>, which was received by XXXX on XX/XX/year>. The demand required proof of ownership, assignment, and chain of title, including any XXXX or XXXX filings, CUSIP identification, and a certified signed copy of the original note. 

On or about XX/XX/year>, XXXX mailed a generic validation response that failed to include any individualized or verifiable proof of ownership. The materials consisted only of a form letter and a generic bill of sale referencing a pool of charged-off accounts. No signed contract, certified assignment, or affidavit of ownership was provided. 

The thirty-day statutory period for proper validation expires XX/XX/year>, and XXXX has not produced lawful verification as required by 15 U.S.C. 1692g ( b ). Despite the lack of validation, XXXX and its counsel ( XXXX XXXX XXXX XXXX XXXX ) continued collection activity and obtained a bank levy through XXXXXXXX XXXX, resulting in XXXX of exempt payroll and ANCHOR rebate funds. 

I request that the Consumer Financial Protection Bureau investigate XXXX  violations, require the company to cease collection, and direct the immediate release of all funds seized without lawful validation.

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 2025-10-28 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: FL

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian credit bureau correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-28 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-28 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 raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-28 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: AR

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to formally dispute certain negative items on my credit report that I believe are a result of identity theft, in accordance with my rights under the Fair Credit Reporting Act, specifically 15 USC 1681c-2. These accounts were opened without my authorization and do not reflect any of my personal transactions or financial activity. Due to the nature of these accounts as fraudulent, I request an immediate investigation and the removal of these items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX ( Authorized Representative : XXXX XXXX XXXX on behalf of XXXX XXXX, against TransUnion XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ). Despite a formal dispute sent on XX/XX/year>, TransUnion continues to report duplicate and inconsistent information for XXXX XXXX XXXX accounts ( Nos. XXXX and XXXX ). 

XXXX entry lists the account as Charge Off, while another reports it as Dispute Resolved Consumer Disagrees with a {$0.00} balance. These discrepancies violate FCRA 607 ( b ), 611 ( a ), and 623 ( b ), which require accuracy, proper reinvestigation, and correction of disputed data. 

TransUnions failure to correct or delete these conflicting entries constitutes negligent and willful noncompliance, resulting in harm to XXXX XXXX credit profile and reputation. The complainant requests that the CFPB investigate TransUnions reporting and enforcement failures, compel the bureau to remove or correct all inaccurate data, and ensure full compliance with federal consumer protection laws.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: MD

Complaint narrative:
I never had no credit card under discover never apply for one neither

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I didn't do it and I want the hard inquiry of my credit cause I don't even have a score cause of it so it's really messing up everything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because the credit reporting agencies ( XXXX XXXX XXXX XXXX ) are reporting inconsistent and/or inaccurate information for the same account. 

Account Name : RS Clark & Associates Account Type : Collection Account Number ( Last 4 digits ) : XXXX The reported information differs among the credit bureaus. For example : XXXX  : Last Activity XX/XX/XXXX - Status is open XXXX : Last Activity XXXX this account shows closed but also shows account was opened on XX/XX/XXXX - how can the last activity on this account be before the account was opened? 

XXXX : Last Activity XX/XX/XXXX and shows open This inconsistent reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( Section 611 ), which requires credit reporting agencies to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information. 

What I have already done I disputed this account directly with the credit bureaus on [ enter date ( s ) ] and provided supporting documentation proving the correct status of the account. However, the information remains inaccurate and inconsistent. 

Each bureaus verified as accurate response lacks supporting documentation as required under FCRA 611 ( a ) ( 7 ) ( Method of Verification ).

Company response to consumer: Closed with explanation