vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: PR

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-11-17 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: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

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 2025-11-17 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: FL

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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: U.S. BANCORP
State: FL

Complaint narrative:
The company did not address the law or constitution rights

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 2025-11-17 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: AL

Complaint narrative:
I submitted a formal dispute of misinformation regarding addresses & phone numbers to credit bureaus on XX/XX/year>. With no resolution to my request of mis-reporting. 
I asked that all prior addresses, mailing variations, or locations not matching the above must be permanently deleted from my consumer file, effective immediately. 



I am filing this complaint because the credit reporting agencies ( Experian, Equifax, and TransUnion ) are reporting incorrect and unverified personal identifying information on my consumer file. This includes addresses and phone numbers that do not belong to me and have already been disputed directly with all three bureaus. 

Despite submitting multiple disputes, the bureaus : Continued to report addresses and phone numbers that do not belong to me Did not provide documentation of the reasonable investigation required under the FCRA Failed to provide source verification showing how these identifiers were connected to me Verified the information without furnishing proof Did not delete unverifiable identifiers as required by law Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain accurate files.

15 U.S.C. 1681i ( a ) requires CRAs to conduct a reasonable investigation when a consumer disputes information. 
Unverified information must be deleted. 
Personal identifiers attached to fraudulent or incorrect accounts must be corrected immediately. 

These incorrect identifiers are causing confusion, credit denials, and impairing my ability to obtain accurate credit decisions. 

I am requesting that the CFPB instruct the credit reporting agencies to provide proof, not a verified as accurate statement, showing where these addresses and phone numbers came from. 

Current Address : ( XXXX XXXX XXXXXXXX XXXX, Al XXXX ) ( XXXX XXXX XXXX XXXX XXXX Al XXXX Current Phone 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a formal dispute of misinformation regarding addresses & phone numbers to credit bureaus on XX/XX/year>. With no resolution to my request of mis-reporting. 
I asked that all prior addresses, mailing variations, or locations not matching the above must be permanently deleted from my consumer file, effective immediately. 



I am filing this complaint because the credit reporting agencies ( Experian, Equifax, and TransUnion ) are reporting incorrect and unverified personal identifying information on my consumer file. This includes addresses and phone numbers that do not belong to me and have already been disputed directly with all three bureaus. 

Despite submitting multiple disputes, the bureaus : Continued to report addresses and phone numbers that do not belong to me Did not provide documentation of the reasonable investigation required under the FCRA Failed to provide source verification showing how these identifiers were connected to me Verified the information without furnishing proof Did not delete unverifiable identifiers as required by law Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain accurate files.

15 U.S.C. 1681i ( a ) requires CRAs to conduct a reasonable investigation when a consumer disputes information. 
Unverified information must be deleted. 
Personal identifiers attached to fraudulent or incorrect accounts must be corrected immediately. 

These incorrect identifiers are causing confusion, credit denials, and impairing my ability to obtain accurate credit decisions. 

I am requesting that the CFPB instruct the credit reporting agencies to provide proof, not a verified as accurate statement, showing where these addresses and phone numbers came from. 

Current Address : ( XXXX XXXX XXXXXXXX XXXX, Al XXXX ) ( XXXX XXXX XXXX XXXX XXXX Al XXXX Current Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This is what I sent to the company last week after making more than 10 phone calls and not getting any help Hello, I need immediate assistance with a balance transfer issue on my account.

I recently opened this card specifically for the 0 % APR offer. Part of my plan was to transfer a balance from XXXX XXXX. Chase accepted and processed my balance transfer request, even though XXXX XXXX does not accept incoming balance transfers. 

It took Chase over a week to process the transaction. During that time, there was no indication that the transfer would be rejected. Now, XXXX XXXX has confirmed to me that they can not accept the funds, and they will not post the payment. 

Because of this, the balance transfer is now showing on my Chase account as money owed, even though no transfer occurred. This has frozen my available credit, preventing me from using the card for the intended purchases on my new home.

I have called customer service seven times, and no one has been able to fix this or escalate appropriately.

I am requesting the following : 1. Immediate removal of the erroneous balance transfer from my account, since the transfer never went through.

2. Immediate restoration of my available credit line.

3. Removal of any balance transfer fee, as no transfer was completed and no payment was made to XXXX XXXX. 
4. A call back from a manager or a member of the escalation team who can resolve this.

It is reasonable to expect that Chase would know which issuers accept balance transfers. Processing a transaction that can not be completed and then freezing my credit because of it puts me in a very difficult financial position and needs to be corrected immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-17 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My mailing address is still the same but I have not received any mail regarding pushing my collection owed to court. 

I reached out to Midland the week of XXXX to see if I can arrange a payment plan as I had checked my credit report and saw that if possible my credit can increase if I pay what I owe. However that is when Midland informed me that my debt owed will be pushed towards a lawyer and result in legal action. I was never informed of this prior to me reaching out. I explained the amount I can pay monthly and on what dates yet Midland did not budge and was not flexible on an agreement. The representative told me that payment had to be made in full in order to stop the legal process. If there is no way to pay this on my terms then no payment will be made on my end.

I had also asked if I were to pay the amount owed and was told that once payment is received in full it would be reported to all credit bureaus to delete it off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
I accidentally sent a Chime Pay Anyone transfer for {$100.00} when I only intended to send {$10.00}. This was a clear input mistake and an overpayment. The extra {$90.00} was NOT authorized. The recipient attempted to return the overpayment, but could not because Chime took the funds instantly to cover that persons negative balance. That negative balance was a debt between Chime and the recipient it has nothing to do with me. 

Chime has refused to refund or reverse the {$90.00} overpayment and stated there is nothing they can do. I did not authorize my money to be used to pay someone elses debt. I authorized a {$10.00} transfer, not a {$90.00} debt payoff. This is an unfair business practice. 

I am requesting assistance recovering the {$90.00} overpayment that Chime seized without my authorization. I want Chime to either refund the {$90.00} difference or provide a courtesy credit, since this was a genuine mistake and the funds were taken to satisfy a debt I do not owe. 

The recipient has also contacted Chime to request a refund of the {$90.00} overpayment and let them know that they did not request money from me. 

I filed a complaint with BBB. Upon doing so, I found over XXXX XXXX complaints against Chime for all sorts of reasons.Chime is operating as a bank, yet their service for their customers is anything but.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NH

Complaint narrative:
XXXX released money to Firstmark on XX/XX/year> in the amount of {$37000.00} via a singe check ( check # XXXX ). 

The {$37000.00} was supposed to disbursed like so : XXXX. {$12000.00} ; sequence # XXXX XXXX. {$16000.00} ; sequence # XXXX XXXX. {$8200.00} ; sequence # XXXX Issue # XXXX : I received notification on XXXX XXXX from Firstmark that they received the $ XXXX and $ XXXX payments. XXXX overpaid by {$130.00} and they still have not received a refund for this amount. 

Issue # XXXX : Firstmark claims they never received the $ XXXX, even though they were sent a lumpsum of $ XXXX so that would be impossible. They are refusing to rectify this even though XXXX has disbursed money to them. They keep stating they have not received it. I have asked them to verify sequence but they will not. I am now essentially double paying for XXXX of the same loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/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 2025-11-17 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am writing to dispute several items on my credit report, as they contain inaccuracies and incomplete information. Below are the details of the accounts in question, categorized by the respective credit bureau. 

XXXX. Charged-Off Accounts EQ ( Equifax ) XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$38000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} BANKRUPTCY, XXXX, XX/XX/XXXX, {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TN

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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