vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with Transunion over 30 days ago regarding inaccurate information on my credit report. As of today, I have not received any response or results of the investigation, which is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Under the FCRA, Transunion is legally obligated to : Conduct a reasonable investigation of all disputed information within 30 days of receiving my dispute. 

Correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

The following accounts remain inaccurately reported and have not been addressed : XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$230.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$6800.00} I am requesting that Transunion complete a proper investigation and delete or correct these accounts in accordance with the FCRA, as their failure to respond constitutes a violation of 15 U.S.C. 1681i ( a ), 1681n, and 1681o.

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 2025-11-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
Name of company is JG Wentworth. Company stated that I would have to pay XXXX that would be deposited into an escrow account prior them negotiating any debt settlements with creditors. Company was cognizant that they were not supposed to take any funds but encouraged the consumer that it was the process. Upon checking and reviewing the account only XXXX had posted to the account. The remainder of the funds were not accounted for. They requested that my accounts become delinquent prior to any negotiations but they called and harassed the consumer running soft credit pulls devaluing my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report this morning. They were not removed even after I refreshed my browser, which makes me very upset. I urgently ask that the documents I sent be reviewed carefully so this issue can finally be fixed once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, several late payments were reported on my credit reports by multiple creditors. These late payments affected the following accounts and dates : XXXX : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 30 days late ) XXXX XXXX : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 90 days late ) XXXX : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ) XXXX  XXXX : XX/XX/XXXX to XX/XX/XXXX ( several late payments ) Amounts disputed correspond to the minimum payments due for each statement period, as reported by each creditor. 

Actions taken : Requested goodwill adjustments from each creditor. 

Provided evidence of financial hardship stemming from the COVID-19 pandemic and included payment records demonstrating my intent to pay and account activity. 

Disputed the reported late payments with all three credit bureaus ( XXXX, XXXX, and XXXX  ), but the inaccurate information remains on my credit reports. 

I believe these late payment marks are incorrect due to improper billing and payment crediting procedures, and are not a fair reflection of my payment history. I respectfully ask for CFPB review and assistance in having these negative entries properly investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is not mine and is being inaccurately reported on my file.

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 2025-11-12 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: AR

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to XXXXXXXX XXXX XXXX and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My issue is that I am being charged for my pay payments which are like cash advances however whenever I go into my app it says that those services are not available to me but everytime I get money into my account they take the money I keep being told by customer service representatives that I owed from XX/XX/year> for a my payment advance but I have never requested or been eligible for an advance from chime because Ive never gotten direct deposits this is the second time theyve taken money the first time I called they said you got an advance you have to pay back and usually this information can be found inside of your app theres absolutely nothing in my chime saying I owed them or agreed to any advance as I said it still says that Im not eligible for my pay advances anyway I also have the bank statements and its saying XXXX $ owed as well.. I just cant understand why they are just taking my money and thats so I have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Kindly examine the documents ; the questions came through unexpectedly and might not be cleared.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My complaint is with Barclays US, the credit card company that I used to charge airplane tickets from the agency, XXXX XXXX, online. I purchased airline tickets for my husband and myself online through XXXX using my Barclays credit card on XX/XX/XXXX for charges totaling {$2600.00}. The so-called price reduction was based on a free 15-day trial membership basis which I agreed to, but also cancelled within the proper time frame. Less than 24 hours later, on XX/XX/XXXX, I cancelled my booking and received an email confirming that my refund was being processed.

In reviewing my transaction history for my Barclays Credit card account, I discovered that Id only received a partial credit of {$2100.00} and not the full credit of {$2600.00}. I disputed this immediately, on XX/XX/XXXX and received the full credit on my XXXX statement which I thought resolved the issue. 

Instead of the matter being closed I was recharged the {$530.00} on my XXXX statement by Barclays, and after the back and forth, speaking to their representatives, because I have been unable to contact XXXX, and although I sent the email confirmation of the full refund demanding a reinvestigation, and demanded to know what proof they had that the charge was legitimate on XX/XX/XXXX, I was informed that they were unable to pursue the matter and that the {$530.00} balance remained due. 

Barclays is attempting to collect money for XXXX  services/ goods never delivered and I have provided proof of such. This continued attempt to collect is intentional, harmful to my credit and peace of mind, and in my view criminal. This is unacceptable and why I am contacting this department to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In reviewing my recent 3-bureau credit report dated XX/XX/year>, I discovered multiple accounts being reported inaccurately and without proper verification. Several furnishers including collection agencies and debt buyers are reporting derogatory tradelines, charge-offs, and balances that are inconsistent across bureaus and unsupported by verifiable documentation. 

For example, an alleged collection placed by XXXX XXXX XXXX for XXXX XXXX XXXX in the amount of {$6300.00} is being reported as open and active even though no original contract, payment history, or proof of ownership has ever been provided. Other companies such as XXXX XXXX, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also furnishing conflicting or outdated data, including re-aged accounts and unverifiable charge-offs. 

I have never received proper validation of debt, original signed agreements, or chain-of-title documentation from any of these furnishers. Despite this, they continue to report negative information that damages my creditworthiness. These actions violate Sections 605 ( b ), 611, and 623 of the Fair Credit Reporting Act ( FCRA ), which require furnishers to ensure that all information reported is accurate, complete, and verifiable. 

I am therefore disputing the accuracy and completeness of these accounts and requesting immediate deletion of all unverifiable and inaccurate tradelines from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In reviewing my recent XXXX credit report dated XX/XX/year>, I discovered multiple accounts being reported inaccurately and without proper verification. Several furnishers including collection agencies and debt buyers are reporting derogatory tradelines, charge-offs, and balances that are inconsistent across bureaus and unsupported by verifiable documentation. 

For example, an alleged collection placed by XXXX XXXX XXXX for XXXX XXXX XXXX in the amount of {$6300.00} is being reported as open and active even though no original contract, payment history, or proof of ownership has ever been provided. Other companies such as LVNV Funding, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also furnishing conflicting or outdated data, including re-aged accounts and unverifiable charge-offs. 

I have never received proper validation of debt, original signed agreements, or chain-of-title documentation from any of these furnishers. Despite this, they continue to report negative information that damages my creditworthiness. These actions violate Sections 605 ( b ), 611, and 623 of the Fair Credit Reporting Act ( FCRA ), which require furnishers to ensure that all information reported is accurate, complete, and verifiable. 

I am therefore disputing the accuracy and completeness of these accounts and requesting immediate deletion of all unverifiable and inaccurate tradelines from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Due to the government shut down I have experienced a financial hardship. 

Please extend options for me to extend the XXXX XXXX promo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: SC

Complaint narrative:
I am submitting to formally dispute several entries on my credit report that I believe are inaccurate and need to be corrected. I have carefully reviewed my credit report, and I found multiple discrepancies regarding late payments and balances owed that do not accurately reflect my financial history. Below, I have outlined the specific accounts in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late 60 Days Under FCRA 611 ( 15 U.S.C 618i ), I understand that I have the right to dispute any inaccurate information on my credit report, and I request a thorough investigation into each of these entries. Additionally, FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) make it clear that data furnishers are obligated to investigate and correct any inaccuracies in the information they report.

Lastly, according to FCRA 602, the purpose of the Fair Credit Reporting Act is to ensure fair, accurate, and privacy-protected reporting for all consumers. I believe these errors have affected my credit score and could potentially harm my ability to access credit in the future

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