vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MN

Complaint narrative:
request that the CFPB reopen my complaint against XXXX XXXX XXXXComplaint ID : XXXX, as XXXX failed to conduct a reasonable investigation under FCRA 611 and continued furnishing inaccurate data in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 3 ). 
XXXX did NOT validate or correct the specific inaccuracies I disputed, including : Incorrect Date of First Delinquency ( DOFD ) Monthly charge-off updates after closure ( Metro2 violation ) Conflicting information across Experian, XXXX, XXXX, and XXXX Inaccurate date last active reported in XXXX for an account closed in XXXX Inconsistent high credit and past due reporting Failure to mark the account In Dispute during my investigation request Continued furnishing of derogatory information while my dispute was open Instead, XXXX provided application pages and 3 months of statements, which do NOT verify reporting accuracy as required under FCRA 607 ( b ) and 623 ( b ) ( 1 ).

Their response does not meet the legal definition of a reasonable investigation.

Due to these documented violations, I request supervisory review and deletion of both XXXX tradelines. 
Requested Resolution : Full deletion of both inaccurate XXXX charge-off tradelines. 
Sincerely, 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 2025-11-13 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: MN

Complaint narrative:
request that the CFPB reopen my complaint against XXXX XXXX XXXX ID : XXXX, as XXXX failed to conduct a reasonable investigation under FCRA 611 and continued furnishing inaccurate data in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 3 ). 
XXXX did NOT validate or correct the specific inaccuracies I disputed, including : Incorrect Date of First Delinquency ( DOFD ) Monthly charge-off updates after closure ( Metro2 violation ) Conflicting information across XXXX, XXXX, TransUnion, and XXXX  Inaccurate date last active reported in XXXX for an account closed in XXXX Inconsistent high credit and past due reporting Failure to mark the account In Dispute during my investigation request Continued furnishing of derogatory information while my dispute was open Instead, XXXX provided application pages and 3 months of statements, which do NOT verify reporting accuracy as required under FCRA 607 ( b ) and 623 ( b ) ( 1 ).

Their response does not meet the legal definition of a reasonable investigation. 
Due to these documented violations, I request supervisory review and deletion of both XXXX tradelines. 
Requested Resolution : Full deletion of both inaccurate XXXX charge-off tradelines. 
Sincerely, 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 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: MI

Complaint narrative:
I monitor my credit report closely because maintaining my credit standing is extremely important to me, yet I keep encountering multiple inaccurate and false accounts that should not be there. This has been an ongoing problem, and despite repeatedly addressing it, nothing has been corrected. The constant presence of these errors is exhausting, stressful, and has been unfairly harming both my life and my credit score.

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 2025-11-14 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: DE

Complaint narrative:
Due to an incident of identity theft, several unauthorized and fraudulent inquiries have been placed on my credit reports. I did not authorize any of these inquiries, and I was completely unaware of them until I obtained and reviewed my credit file. 

The specific unauthorized inquiries are listed below : XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year>

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 2025-11-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NV

Complaint narrative:
I have asked for a replacement card for XXXX XXXX for over a month now I have sent in all of the documentation such as back in front of driver 's license etc and I've got no response all I've gotten was is that it is under review and that's all I get has spoken with agents and supervisors and they all give me the same runaround

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
This legitimate complaint demands immediate attention. My credit report includes inaccurate information that violates the standard of maximum accuracy. These errors are causing severe, ongoing harm to my life. I insist on a thorough investigation and the prompt correction or removal of all inaccuracies. Resolution is not just necessary it's critical.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital is furnishing a tradeline on my credit reports that reports BOTH a collection status and a past-due balance simultaneously and is reporting inconsistent charge-off/payment dates and balances across XXXX XXXX XXXX XXXX. I sent a certified, signed dispute letter ( attached ) demanding validation, chain of assignment, and the original contract. XXXX XXXX standards and the FCRA prohibit reporting a collection as past-due and require furnishers to provide accurate information. Jefferson Capital has not provided any of the requested documentation. I want Jefferson Capital to either : ( A ) provide the requested documentation proving ownership and accurate balance, or ( B ) delete the tradeline from all my credit reports. If they can not validate, I request deletion and a CFPB enforcement investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase mailed me a letter ( which I received XXXX XXXX ) and them closing XXXX credit cards. XXXX of them was paid off and the other has a credit limit of about XXXX with about XXXX balance. The one that has a XXXX balance was not closed due to inactivity and im current with the one that has a open balance. When I called the number on the letter from Chase, the gentleman told me he does not have any more information as to why, he only had access to the information that was written in the letter. 

If I had to take an educated assumption, perhaps I was flagged due sharing the same name as my father, since I'm a XXXX. He ( or I ) received a similar letter from Chase in regards to an open checking account that once belonged to a business ( in support of an XXXX under a XXXX XXXX XXXX ) and perhaps since the business turned into a XXXX XXXX ( along with a new opened a new checking account ), has been flagged for regular cash deposits? I would have liked more clarification. Their is no ill will here and if my credit profile takes a hit for involuntary closed accounts, I'm worried about my credit score and or ability to open accounts in the near future, If I were to apply. 

My accounts are scheduled to close XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am disputing the derogatory account being reported by CBE GROUP because the information they are furnishing appears to be inaccurate, unverified, and unsupported by any original documentation. When I reviewed my credit reports, I noticed that CBE Group is reporting a collection account with a past-due balance and extended delinquency history, yet none of the information has been validated or proven. 

I submitted disputes with the credit reporting agencies and requested that CBE Group provide verification of this account. I specifically asked for the original creditor agreement, itemized billing statements, a breakdown of the alleged balance, complete payment history, proof of ownership of the debt, and a full chain of assignment showing how CBE Group obtained the account. Instead of supplying any documentation, the bureaus responded with generic verified notices without including any evidence, and CBE Group did not provide validation directly to me. 

CBE Group has not produced any original documentation showing that they legally own the debt or have authorization to report it. They did not supply any itemized statements, account-level records, or documents that explain how the balance was calculated. Without these documents, the accuracy and legitimacy of the derogatory information they are furnishing can not be confirmed.

Additionally, CBE Groups reporting appears inconsistent across the credit bureaus. The dates of delinquency, balances, and account statuses differ depending on which bureau is reporting the information, which indicates that the data has not been properly verified before being furnished. Reporting different details to each bureau shows that the account is unreliable and not supported by verified records. 

CBE Group also failed to update the account as disputed, which is required under federal reporting rules once a dispute is filed. Not marking the account as disputed misleads lenders and gives the appearance that the information is uncontested even though it is being formally challenged. 

Because CBE Group has not provided validation, is reporting inconsistent information, and has not demonstrated that the derogatory information is accurate or complete, I am requesting a full reinvestigation using original documentation. If CBE Group can not verify the account with proper evidence, the derogatory information should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I submitted a dispute to ChexSystems, requesting that they reinvestigate inaccurate or incomplete information listed on my consumer report. ChexSystems responded by stating that the information was verified, but they failed to provide : The method of verification The evidence used to verify the account The name and contact information of the furnisher they spoke to Copies of any documents they relied on Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 6 ) ( 7 ), ChexSystems is required to : 1. Conduct a reasonable reinvestigation 2. Provide the method of verification upon request 3. Provide the furnishers contact information 4. Provide copies of all documents used to verify the disputed item ChexSystems has not complied with these requirements. Their failure to provide verification suggests that the information may not have been properly investigated or may be inaccurate. 



This failure is causing me financial harm, including difficulty opening bank accounts and accessing basic financial services.

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 2025-11-14 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-14 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: TX

Complaint narrative:
The following items are fraudulent : XXXXXXXX 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

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following items are fraudulent : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover card put 7 late payment in XXXX and XXXX I move and never receive the bill and account is paid and full XXXX XXXX XXXXXXXX have same 6 incorrect late payment in my account without my knowledge XXXX XXXX XXXX XXXXXXXX put 6 late payment on my account and account is paid and full I want remove this from my credit report Im XXXX mom XXXX XXXX XXXX  need help please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
After checking my credit report i noticed the accounts listed below should not be reporting on my credit report these accounts should be removed Immediately as they are harming 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 non-monetary relief
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
After checking my credit report i noticed the accounts listed below should not be reporting on my credit report these accounts should be removed Immediately as they are harming my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX in XXXX Ga owner XXXX refused to sale me her puppies and refused to refund the money paid through Block ink cash app nothing. {$1200.00} .00 Block Ink better known as cash app was contacted they refused to take any action. I was not aware they didnt protect the customers like XXXX XXXX. However my youngest child has lost her beloved puppy due to a hit and run accident that she purchased from XXXX before so I thought this transaction would go smoothly as before. But I was wrong she was being paid through the cash app chain for two puppies. I was going to get one as well she had worked with my youngest child before so I was just in the background paying for the puppies. She refused to sale us any puppy XXXX XXXX and refused to return the money requested through the cash app chain. Cash app was contacted as well they was rude and refused to help said it was nothing they could do contact the bank. Which was not known again I was use to working with Pay PAL so I knew this company was similar so I thought we was protected from matters like such l plus we had no idea this older woman would turn so evil and cold and not sell us the puppies or puppy and would not refund the money. Again my younger child had been a customer before she got a chocolate male schnauzer she named bandit who was killed. So she wanted to go back to her in honor of him.

Company response to consumer: Closed with explanation