vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS 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 XXXXXX/XX/XXXX, Balance : {$930.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 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: OH

Complaint narrative:
I have disputed three XXXX XXXX XXXX collection accounts with TransUnion multiple times since XX/XX/year>. Each time, TransUnion has marked the accounts as updated, but left the same errors in place. These include reporting past due balances on collections, adding 1 Month terms, showing monthly payments as Not Reported instead of {$0.00}, and applying delinquency codes on collection accounts. This is an unreasonable reinvestigation under FCRA 611 ( a ) and a failure to ensure maximum accuracy under 607 ( b )

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 2025-08-20 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: WI

Complaint narrative:
I have no involvement with these accounts, which I believe are fraudulent. Kindly delete them from my file and perform a thorough investigation. Evidence is enclosed.

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 2025-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: AK

Complaint narrative:
This loan is a refi and was sold to this lender from a XXXX broker. The terms of the contract were tomuse the existing appraisal from the original loan as the value of the property. XXXXLoanCare refuses to abide by the legal agreement, stating the appraisal was not dome by them. The appraisal was performed at the request of the XXXX XXXX, not myself. The broker XXXX bought the loan from paid for the appraisal. XXXX incorrectly asserts the value of the property is based on the loan amount, however, you can't secure debt with debt. This company has repeated refused to update the LTV ratio to base it on the appraisal, which is far less than current market value. I want this fixed so I can remove escrow from the account due to the mortgage company repeatedly paying tax and insurance payments late. The mortgage lender is benefitting from my escrow funds in their account, while they lack the basic common sense to realize they shouldn't send me a check for over a {$1000.00} escrow excess and then turn around and increase my escrow payment each month. This has happened twice in the last year and I can not keep changing something that should remain steady. Further, this company has never addressed the previous complaint of blocking access to foreign IP addresses, which is predatory to military members that get assigned abroad. Main request is update LTV based on the legal agreement, the appraisal, and remove escrow from the account, per my numerous requests.

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 2025-08-20 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: MO

Complaint narrative:
Equifax, Experian and TransUnion are inaccurately reporting my date of birth. This error has caused accounts, inquiries and addresses that do not belong to me to be linked to my credit file and causing a direct impact on my life resulting in a hardship. 
I have disputed these inaccuracies directly with the credit bureaus. Despite my disputes, they have continued to report the incorrect date of birth and the fraudulent accounts associated with it. 
Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires credit bureaus to assure maximum possible accuracy.

15 U.S.C. 1681i requires a reasonable reinvestigation when a consumer disputes inaccurate information.

15 U.S.C. 1681c-2 gives me the right to block identity theftrelated accounts from my credit 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account that is inaccurate and unverified. I requested validation under the FDCPA, but PRA has not provided documentation proving they own the debt or have the legal right to collect. Despite this, they continue to report the account to the credit bureaus, causing damage to my credit. This account should not be on my reports without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: SC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that is inaccurate and unverified. I requested validation under the FDCPA, but XXXX has not provided documentation proving they own the debt or have the legal right to collect. Despite this, they continue to report the account to the credit bureaus, causing damage to my credit. This account should not be on my reports without 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 2025-08-20 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: SC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that is inaccurate and unverified. I requested validation under the FDCPA, but XXXX has not provided documentation proving they own the debt or have the legal right to collect. Despite this, they continue to report the account to the credit bureaus, causing damage to my credit. This account should not be on my reports without 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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX TransUnion Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute Reinserted Account in violation of 15 USC 1681i ( 2 ) a Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am writing in regard to a account placed on my credit profile that I have no knowledge of nor have I given any written consent for them to be furnished. The accounts listed above were investigated, deemed unverifiable and removed from my credit report. 

I checked my credit report and noticed this account have been reinserted back on my credit report. By doing so, your company has violated my consumer rights. Your company has the responsibility of reporting maximum accuracy to my credit report and following protocol. 

Under FCRA, these accounts can not be reinserted into my consumer profile without written notice within 5 business days, which is now in violation of 15 USC 1681i ( 2 ) A. Not only was I never notified but your company has violated multiple of my consumer rights under the FCRA.

Reporting accounts that I have not given any written permission is in violation of 15 USC 1681 Furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 Failing to report maximum accuracy to consumer profile is in violation of 15 USC 1681 ( E ) B Please note that your company has failed to complete your due diligence by furnishing accounts without complete verification and reporting inaccurate information more than once. 

Your company has a legal obligation to the protection and privacy of my legal information. 
Please delete the accounts immediately. Please see the attachments included with this dispute. 

I am not a third party credit disputing company, disputing these accounts. 

Best Regards, 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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I deposited it {$6400.00} at their ATM at XXXX XXXX  on Monday and received a message that my cash was not taken in time and To protect your accounts, I've pulled your cash back in. 
Contact your financial institution is what it said. They kept my money and did not add it to my account. I have been calling for the Branch manager for two days and he has been unavailable. The location is Huntington Bank in XXXX, Kentucky. XXXX XXXX XXXX, XXXX, XXXX  XXXX Their phone number is XXXX. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today I visited the XXXX, California Bank of America branch and was told I could not cash my check because there needed to be a hold. I understood and I even mentioned to both the manager and the employee there that government checks are not supposed to have any holds but they said they've never even heard of that. 

XXXX the issue : By law ( Expedited Funds Availability Act Regulation CC ), U.S. Treasury checks ( which includes IRS refund checks ) must have next-business-day availability when deposited into an account at the same bank. The first {$200.00} must be available immediately, and the remainder should be available the next business day unless theres a specific, legal exception ( new account, suspected fraud, deposit over {$5000.00}, etc. ). 

So, when the XXXX branch told you theyve never even heard of that theyre either misinformed or not trained properly.

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 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 : {$350.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am filing this complaint against JPMorgan Chase regarding a severe failure of its Chase XXXX service and the subsequent complete lack of customer support, which has left me out of pocket. 

XXXX. Summary of the Problem : On XX/XX/year>, I had a confirmed hotel reservation booked through Chase XXXX for the XXXX Washington DC XXXX. The hotel refused to honor my reservation, leaving me stranded at night. Chase XXXX 's customer service agents were not only unhelpful but also blamed me for the incident. Despite my attempts to resolve this through official channels, Chase has only provided a circular, unhelpful response, instructing me to call a phone number that has already proven useless. 

2. Detailed Description of What Happened : I arrived at the hotel at XXXXXXXX XXXX on XX/XX/XXXX to store my luggage and was told my room would be ready later. 

I returned at XXXXXXXX XXXX  to check in, but the hotel refused to provide a room, falsely claiming that reservations through third-party sites like Chase XXXX are `` not guaranteed. '' I immediately called Chase XXXX for support. The agent was dismissive and accusatory, stating that it was my fault for checking in " too late, '' despite my earlier arrival. She offered no solution. 

As a solo female traveler, I had no choice but to book a last-minute room at the XXXX XXXX Washington at my own expense to ensure my safety. The total cost was {$230.00} ( {$200.00} pre-paid through a booking platform + a {$34.00} destination fee paid upon check-in, for which I am awaiting a formal receipt from the hotel ). 

Crucially, the original hotel ( XXXX ) has acknowledged their error. This is confirmed by a pending refund on my credit card statement for the full amount of the original booking. This is clear evidence that my complaint is valid and the fault was theirs. 

3. Attempts to Resolve This with the Company : I attempted to resolve this through Chase 's Secure Message Center. The response I received was a template that completely ignored the details of my case. It merely instructed me to call the same general phone number that had already failed me, effectively creating a dead end. This demonstrates that Chase 's internal escalation channels are ineffective.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Your Name XXXX XXXX XXXX [ Your Current Address ] [ City, State ZIP ] [ Phone Number ] [ Email Address ] Date : [ Insert Date ] Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information being reported by Experian under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Erroneous Name My file contains the outdated and erroneous name XXXX XXXX. 

Violation : FCRA 1681e ( b ) duty to assure maximum possible accuracy. 

2. Outdated Addresses Experian refuses to delete the following outdated addresses : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX Violation : FCRA 1681e ( b ) and 1681c ( a ) ( 4 ) outdated identifying information must not remain on a credit report. 

3. Improper Collection Accounts by Secondary Debt Buyers Experian is reporting collections that have been sold to secondary debt buyers as if they are new accounts.

Violation : FCRA 1681c ( a ) ( 5 ) prohibits re-aging of collection accounts beyond 7 years.

Violation : FCRA 1681e ( b ) reporting misleading information violates the accuracy requirement. 

4. Failure to Conduct Reasonable Reinvestigation I have previously disputed these inaccuracies, yet Experian has refused to conduct a lawful reinvestigation.

Violation : FCRA 1681i ( a ) ( 1 ) ( A ) duty to reinvestigate disputes within 30 days.

Violation : FCRA 1681i ( a ) ( 5 ) duty to delete or correct inaccurate or unverifiable information.

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 2025-08-20 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 2025-08-20 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