vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MO

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 you have 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 2025-11-21 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Could you assess this entry? Doing it late may have caused mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a written request to TransUnion under my rights provided by the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) ). My request asked for the method of verification used to confirm several Dept. of Education/XXXX XXXX accounts that continue to appear on my credit report following previous disputes. 

These accounts are still marked as Dispute resolved consumer disagrees or Consumer disputes after resolution. Since the accounts were verified as accurate, I am entitled by law to a clear description of how that verification was conducted. 

According to XXXX tracking, TransUnion received my initial written request on XX/XX/XXXX. As of XX/XX/XXXX ( 15 days later ), I have not received the required procedural description or a complete explanation of how my dispute was investigated. 

Without this information, I can not confirm whether TransUnion actually contacted the furnisher or reviewed supporting documents as required by the FCRA. The lack of a response leaves me without clarity on whether my dispute was properly investigated. 

Accounts Involved : Dept. of EducationXXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX Dept. of EducationXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX Dept. of EducationXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX Dept. of EducationXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened a new Chase Sapphire Reserve account a little over one month ago. My wife is an Authorized User ( AU ). We have charged nearly {$11000.00} to the account so far and have paid nearly {$1000.00} in combined annual fees. Despite this, Chase has repeatedly placed improper security holds and declined legitimate transactions for both me and my AU, even after multiple successful identity verifications.

During the last week, my wife had several valid charges declined. When she called Chase, she was told that Security could not assist her because she is an AU. When I called in, Chase repeatedly asked me to validate her card information, which made no sense.

- Across at least seven calls totaling over two hours, I received conflicting and inaccurate information : - One Chase representative said there were no declines, while another confirmed the declines and existing security holds.

- I repeatedly completed identity verificationincluding personal info, credit report data, and AU informationbut Chase still placed new manual holds, claiming I failed verification, even after verifying successfully minutes earlier.

- After Chase assured me the account was all good, both my wifes and my own cards were declined again.

- The AU was not permitted to resolve her own card issues and Chase insisted on speaking to me constantly, even when she was simply adding her card to XXXX XXXX. 
- Chase placed a manual hold on my account 10 minutes after I had completed full verification. 

Customer service escalation also failed : - Security supervisors were not available for an hour. 
- A rep named XXXX disconnected the call during verification. 
- A representative named XXXX stated that supervisors do not take calls. 
- I was repeatedly transferred between Security, Fraud, and Customer Service with no resolution. 

Chase opened an internal case : XXXX. 

This disruption has caused lost time, repeated embarrassment from public declines, inability for my AU to reliably use her card, and a significant failure of service for a premium-fee product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-21 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am filing this complaint against several entities for reporting inaccurate, misleading, and unverifiable information on my credit reports. These errors are damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Below are the specific issues I am disputing : Wrong Address Information : XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX These addresses are incorrect and have no relation to me. I have never lived at or used these addresses in any capacity. Their continued presence on my credit file suggests either a data entry error or possible identity confusion, both of which must be corrected immediately. 

Inaccurate Account Reporting : XXXX XXXX XXXX  ( XXXX  # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$1000.00} This account incorrectly shows a late payment. I have never made any late payments to this account. This inaccurate reporting violates FCRA 602 ( A ) ( 1 ) and must be promptly corrected to reflect a positive payment history. 

XXXX XXXX ( Acct # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$3000.00} This account is listed as a charge-off, but I have no knowledge of this account and have never held any financial relationship with this creditor. This appears to be a case of mistaken identity or inaccurate reporting and should be removed immediately from my credit file. 

XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$40000.00} This account also appears unknown to me. I have never applied for or received any credit from this institution. I request deletion of this unverifiable account from my credit report. 

Unauthorized Inquiry : XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ) ( 3 ), no entity may access my credit report without a permissible purpose. I demand its removal as it was made without my consent.

I am requesting that the CFPB investigate these matters and ensure that all credit reporting agenciesXXXX XXXX, and TransUnioncomply with the FCRA by removing or correcting the erroneous items listed above. These errors have caused harm to my credit reputation and financial opportunities, and I expect full accountability from the furnishers and the reporting agencies involved. 

Please confirm receipt of this complaint and notify me of the outcome of your investigation.

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 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My previous case ( XXXX ) was closed without an appropriate resolution. NCS has violated the FDCPA and FCRA by not ceasing all reporting activity tied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-21 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: IL

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-21 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:
Please accept this letter as my official notice disputing the listed accounts. I have no relationship with them and did not permit their creation. I am requesting an immediate review and deletion. Documentation is provided.

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 2025-11-21 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: GA

Complaint narrative:
I am formally disputing several inaccurate and incomplete items on my TransUnion credit report. Under the Fair Credit Reporting Act, you are required to conduct a reasonable reinvestigation and ensure maximum possible accuracy per 15 U.S.C. 1681e ( b ). 
Below are the accounts that must be investigated individually : 1. XXXX XXXX XXXX Charge-Off {$3700.00} Reason for Dispute : Your reporting contains inconsistent dates of last activity and last payment across bureaus. The high credit and charge-off amount are also inconsistent. This violates FCRA 1681e ( b ) requiring 100 % accuracy.

Requested Action : Delete for inaccurate and unverifiable reporting.

2. XXXX XXXX Charge-Off {$13000.00} Reason for Dispute : The account shows contradictory dates, an inconsistent charge-off amount, and mismatched payment history. This is not maximum possible accuracy. 
Requested Action : Delete for inaccuracy and unverifiable data. 
3. XXXX/ XXXX Collection {$190.00} Reason for Dispute : Date opened and date of last activity conflict with other bureau reports. The account lacks complete payment history and proper itemization. 
Requested Action : Delete for incomplete and inaccurate reporting. 
4. XXXX, XXXX XXXX XXXX XXXX XXXX {$2300.00} Reason for Dispute : Missing payment history, inconsistent dates, and improper reporting of disputed status. 
Requested Action : Delete due to incomplete and inaccurate reporting. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Reason for Dispute : Contradictory status and dates across bureaus. This is not verifiable as required by 1681i.

Requested Action : Delete. 
6. XXXX XXXX XXXX  Late Payments ( 60-day ) Reason for Dispute : The payment history grid shows incorrect delinquency progression and inconsistent statuses across bureaus. This violates 1681e ( b ).

Requested Action : Correct or delete the inaccurate late payments.

Please send me the results of your reinvestigation and an updated copy of my TransUnion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I used my SoFi account to connect XXXX XXXX to my XXXX XXXX account on XXXX to send {$2100.00} from my SoFi checking account to my XXXX  XXXX checking account. SoFi prompted me to use XXXX  to connect my accounts for this transfer. I still have not received these funds. Upon investigation XXXX used an inaccurate routing number and the funds were not received. SoFi states the transfer was successful and to have XXXX XXXX use a trace number to reject the transaction. However SoFi is not able to produce documentation the transfer was successfully. XXXX XXXX states they are unable to use the trace number as the transaction never took place on their end as the information was inaccurate. It has been 10 business days beyond the max processing time and I still do not have my funds. Both XXXX XXXX and SoFi states they are unable to locate them and are not responsible. I was able to complete a transfer through the XXXX XXXX app to pull funds from SoFi post XXXX leading me to believe the technical issues where on Sofis side of the transaction. I feel SoFi is being dismissive and illegitimately withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

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