vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am a consumer who is attempting to repair my credit, and I respectfully request that the following items be investigated and corrected. These items are being disputed due to inaccuracies and errors on my credit reports. I am submitting this complaint to the CFPB for further review. Please find the details of the accounts in dispute for each credit bureau below : CHARGED OFF : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$20000.00} XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX POSITIVE : [ No items in dispute under " Positive '' for TU ] LATE PAYMENTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a police report because someone stole my identity and used information to obtain a credit card from Capital one ( my account ) sent their address. They proceeded to make fraudulent charges. I called Capital one about these fraudulent charges. The thief changed all my information to match theirs as in the home address, security word. The thief address also shows up on my credit reports. So, when I call Capital one, they are stating my information doesn't match what is on the account, therefore they can't verify me or give me any details pertaining to my account. They also prematurely closed out my account, which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to report multiple inaccuracies and unauthorized entries being reported on my credit file by various entities. These false reports are damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior efforts to dispute these issues with the credit bureaus, the errors remain unresolved. 

Below are the inaccurate and unauthorized items currently appearing on my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address does not belong to me, nor have I ever lived or received mail at this location. This false address must be deleted immediately from my credit file. 

XXXX XXXX Late Payment High Balance : {$12000.00} | Date Opened : XX/XX/XXXX The account history is being inaccurately reported with late payments. I have never made a late payment, and this false reporting violates FCRA 607 ( b ), which requires data furnishers to ensure maximum possible accuracy. I request immediate correction of this accounts payment history. 

XXXX XXXX Late Payment High Balance : {$8500.00} | Date Opened : XX/XX/XXXX This account is also being incorrectly reported with late payments. I have never been late on this account, and this false data must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$1600.00} | Date Opened : XX/XX/XXXX This account is inaccurately showing late payments. I have always paid on time, and the information being furnished is incorrect and harmful. 

Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These hard inquiries were made without my authorization or permissible purpose under FCRA 604. I never applied for credit or gave consent for these entities to access my credit report. I request that these inquiries be removed immediately. 

These inaccurate and unauthorized entries are a serious violation of my consumer rights. They have caused unjust harm to my credit standing and personal reputation. I am demanding a full investigation and appropriate corrective action. 

I request that the CFPB take enforcement action to ensure that the data furnishers and credit bureaus comply with the FCRA by : Deleting the wrong address and unauthorized inquiries ; Correcting all inaccurate late payment histories ; and Holding the reporting entities accountable for negligent reporting practices. 

Please confirm receipt of this complaint and inform me of the steps being taken to resolve these violations.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is 40748 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I respectfully request the investigation and correction of the following items on my Experian credit report. 

Charged Off : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$0.00} Late Payments : XXXX XXXX, XXXXXXXX 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 2025-11-05 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: CA

Complaint narrative:
This letter serves as a formal and legally binding complaint and dispute regarding multiple fraudulent accounts that were opened without my knowledge or authorization and are still being reported on my credit profile. A prior dispute was submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, following an FTC report filed on XX/XX/year>, under Report # XXXX. While some fraudulent accounts have been removed, the following accounts remain inaccurately reported across the three major credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the Attorney-in-Fact for my XXXX brother, XXXX XXXX, under a XXXX Durable Power of Attorney accepted by Chase. 

A restrained individual, XXXX XXXX XXXX, impersonated XXXX and filed a fraudulent dispute ( Claim No. XXXX ) that caused Chase to reverse a {$4000.00} payment to XXXX attorney and send notices to XXXX address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). XXXX is legally restrained from contact with XXXX. 

Chase has been notified repeatedly, yet XXXX false contact information ( address, phone, and email ) remains on XXXX account, giving him continued access and allowing him to impersonate XXXX. Chase has not applied a Legal Orders restriction or removed his information despite being provided court orders confirming my authority and restraining XXXX. 

Requested resolution : Reinstate the {$4000.00} attorney payment ; Remove XXXX XXXX contact information from XXXX accounts ; Apply a CIF-level POA-ONLY / ID-REQUIRED Legal Hold to prevent further impersonation ; and Provide written confirmation that Chase recognizes and will honor my XXXX Durable Power of Attorney. 

Supporting documents : POA ( XXXX ), TRO ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX order ), Sanctions Order ( XXXX XXXX XXXX XX/XX/XXXX ), and Chase notice for Claim XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
XXXX XXXX .. my sister put this account in my name! Remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Comply with legal obligations by removing disputed accounts swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX  account, which I have used everyday purchases, as well as cryptocurrency for at least XXXX years. I often buy, sell, and transfer XXXX to an outside exchange so I can trade much more advantageously there. At XXXX XXXX XXXX XXXXXX/XX/year>, I received an email telling me that my account was suspended due to unusual activity. There is no reason for this. I received {$380.00} worth of bitcoin, which I sold and received {$370.00} after fees. When I went to transfer these funds to my bank account, I was unable to do so. XXXX  told me that they can not release my funds until they hear back from me. They have heard back from me, but I have received nothing from them. With the current economic situation in America, I genuinely was reliant on this money for survival and the unjust holding of my funds is causing me great harm and hunger.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: IN

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 2025-11-05 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: TX

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a digital line of credit through XXXX issued by Synchrony Bank. I was sent a physical XXXX XXXX in the mail linked to my digital line of credit. I received numerous emails regarding the features of this new credit card. XXXX  credit offers special no-interest financing on qualifying purchases of {$140.00} or more if the purchases are paid within XXXX  months. The marketing materials provided with the physical credit card were misleading and not clear that purchases made using the physical card would not be eligible for the special financing. Language was used such as the following : " Everything you love about your XXXX  Credit account is included in the XXXX  Credit Card. '' " When you check out with XXXX, use your XXXX  Credit Card to unlock special financing on all purchases {$140.00} or more. '' Synchrony Bank chose to use vague language and chose not to explicitly state that this physical credit card was not eligible for special financing for in-person transactions. 

I used my XXXX credit card for XXXX transactions totaling over {$1000.00} thinking that the transactions would be eligible for the special financing. As such, I missed out on rewards I could have earned had I used my other credit card. The interest rate is also higher, so I'm left having to pay off those transactions before they begin accruing interest. ( The interest rate on my credit union credit card is less than 15 %. The rate for XXXX is 30 % +. ) I have essentially lost funds due to the misleading marketing content surrounding the physical credit card. 

This issue could have been avoided with more clear marketing materials surrounding this credit card.

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 2025-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as formal notice that I dispute the reporting of late payments on my consumer credit file related to : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. The alleged delinquencies occurred directly during and due to a federally declared natural disaster California 2-7 Fire ( FM5612-CA ) 2025, which severely impacted my financial stability and ability to maintain timely payments.Under federal law, any information furnished and reported must be accurate and fairly represent a consumers situation. Reporting derogatory information caused by a verified disaster constitutes negligent and/or willful violations of : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after notice of a dispute 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681c Reporting harmful information under restricted circumstances 15 U.S.C. 1666b Obligations for proper and timely crediting of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I have no knowledge of this account and didnt give permission to run my credit please remove these items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive noticed late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must reflect only information that is accurate, complete, and verifiable. I am therefore requesting verification of these late payment records, and if they can not be confirmed as accurate, I ask that they be updated or deleted accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Account {$950.00} is not mine, sister opened in my name without me knowing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief