vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-10-31 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: MI

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 2025-10-31 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: MS

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Negligent handling of a settlement check by Chase Bank, involving misinformation, lack of empathy, and repeated delays since XX/XX/year>. Customer is a XXXX from XXXX XXXX under XXXX XXXXXXXX evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I am disputing several entries on my credit report that I believe to be inaccurate or incomplete. Below is a list of the accounts that need to be reviewed : CHARGED OFF : XXXX, XXXX, XX/XX/XXXX, Balance : {$850.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Overpaid a bill, contacted for refund and was told a case needed to be opened and it would be 30 days. After 45 days I called to find out my refund was approved and already sent with no communication. 60 days later I still have not received my refund and they are telling me I must wait for another investigation and then 7 to 10 more days for my refund to be sent out again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 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:
As a resident of California, this alleged debt falls under the California Fair Debt Buying Practices Act ( CFDBPA ) Cal. Civ. Code 1788.501788.64, in addition to the Fair Debt Collection Practices Act ( FDCPA

), 15 U.S.C. 1692g Under California Civil Code 1788.52 ( a ), a debt buyer must possess, and must provide upon request, all of the following before collecting or attempting to collect A copy of the contract or other document evidencing the consumers agreement to the debt ; The complete chain of title from the original creditor to the present debt buyer ; The last account statement issued by the original creditor ; and Information showing the charge-off balance, the date of default, and an itemization of any post-charge-off interest or fees.

Your failure to provide proof of ownership or assignment ( the bill of sale or similar documentation ) and the original agreement renders your validation incomplete and non-compliant with state law.

Until full validation is provided as required by Cal. Civ. Code 1788.52, any further attempt to collect, report, or assign this debt may constitute a violation of both state and federal law. 
I am requesting that XXXX XXXX XXXX provide full and proper validation of the alleged debt in compliance with California Civil Code 1788.52, including the bill of sale or assignment showing proof of ownership, the original signed agreement, and the complete chain of title.

Please note that I dispute the validity of this alleged debt. I request that all collection activity cease immediately and that you update any credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and misleading information being reported on my credit file by the credit bureaus and furnishers listed below. These errors are negatively affecting my credit score and financial reputation. Despite my attempts to correct the issues directly with the credit bureaus, the inaccuracies remain unresolved. 
The following addresses are being incorrectly reported as mine and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have never lived at nor been associated with any of the above addresses. Please delete these from my credit file as they are inaccurate and misleading. 
In addition, I am disputing the following account information : XXXX XXXX XXXX XXXX  Account No. : XXXX Open Date : XX/XX/XXXX Reported Issue : Late Payment Dispute Reason : This late payment reporting is incorrect. I have never made a late payment on this account, and your records are inaccurate. Please review your data and update the account history to reflect all on-time payments. 
XXXX XXXX XXXX Account No. : XXXX Open Date : XX/XX/XXXX Reported Issue : Late Payment Dispute Reason : This information is incorrect. I have never made any late payment on this account. Please conduct a full investigation with the furnisher and correct the payment history immediately. 
My Request I am asking the CFPB to investigate these reporting errors and require the credit bureaus and furnishers to : XXXX. Delete the wrong addresses from my credit file. 
XXXX. Correct or remove the inaccurate late payment records from XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 
XXXX. Provide proof of verification or documentation supporting their continued reporting of these items. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they represent unverified, misleading, and damaging information being reported to the credit bureaus. 
I respectfully request the CFPBs assistance in ensuring these errors are fully investigated, corrected, or deleted. 
Thank you for your time and support in protecting consumers like myself from inaccurate 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 2025-10-31 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: NY

Complaint narrative:
Charged-Off Accounts XXXX XXXX Acct # : XXXX Date : XX/XX/year> Amount : {$34000.00} XXXX dispute the accuracy and completeness of this charged-off account. I request verification of ownership, balance, and account status directly with the creditor. Any information that can not be verified should be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am disputing these accounts because they are reported inaccurately and contain incorrect or incomplete information. The charged-off amounts listed are erroneous, as they do not reflect accurate account statuses or the appropriate balances owed. Additionally, the inquiries listed have caused unnecessary negative impact on my credit score, as they are incorrectly reported or were not authorized. 
Inquiries : XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXate : 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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I accidentally entered the wrong bank account information to payoff my car on XX/XX/XXXX. I got messages XX/XX/XXXX that the payment failed. However, somehow, only ~ {$11000.00} of it failed. NMAC accepted a payment for ~ {$6000.00} from an erroneous bank account. I immediately paid off the ~ {$11000.00} so that I would not be stuck with interest. Somehow, however, this payment triggered an account closure, of which I was also informed on XX/XX/XXXX. The account was still considered " FULLY PAID '' and " CLOSED '' until today - XX/XX/XXXX. Thus, I was unable to remedy the issue to correct the bank account entry issue, and pay what I actually owed. I made several phone calls and opened several chat windows with agents at NMAC to ask them to reverse the erroneous payment and reopen the account. They told me to wait XXXX hours sometimes, and sometimes they told me to wait up to a month. XXXX agent, XXXX, assured me I would not be charged interest for the time between the payment 's rejection and when I was physically permitted to repay on NMAC 's site. The system literally prevents further payments if the account is closed. The option to pay disappears. I spent countless hours on the phone and over message attempting to reverse the payment. Finally, today, it was reversed and I was able to pay. I was charged {$70.00} in interest ( $ XXXX per day starting XXXX ). How can I be charged interest when XXXX forbade me from paying? NMAC told me my account was closed and would not accept my money despite months of me trying. Now they're further penalizing me for their failure to swiftly reopen the account -- it took from XXXX until XX/XX/XXXX for them to enable me to pay ( i.e. reopen the account to trigger the " payment '' buttons/options ). Although the payment history says the {$5200.00} was reversed on XXXX, this was not reflected on my end such that I was NOT able to pay any amount towards what I owed. payment was reversed is XXXX  and contradicts what XXXX had informed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is the XXXX time PNC has placed my mortgage payment into somebody else 's account. I send out checks every month on the XXXX or XXXX for my mortgage payment. I only have XXXX account with them which is my mortgage account. I called 6 times and XXXX of the XXXX I was hung up on. I have proof that the check was stamped and deposited and I also keep copies of all my checks I send out. This is becoming a problem with them because I ; m never late with my mortgage and it looks bad on my credit when they don't fix it in time. This past time I have jumped through hoops to get my account out of negative balance because they received the money. It was to the point I had to go to a PNC bank branch to have them call and help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law. 
Experian : XXXX. Account XXXX XXXX ( XXXX XXXX ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection - Installment o Balance : {$3700.00} o Issue : This account was reported as resolved but the status remains inaccurate.

o FCRA Violation : Incomplete reporting under 1681e ( b ). The account status needs to be updated. 
XXXX. Account : XXXX XXXX  ( Collection - Installment ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection - Installment o Balance : {$100.00} o Date Opened : XXXX06-01 o Issue : Incorrect reinvestigation status is reported. 
o FCRA Violation : Reporting inaccurate information under 1681i ( a ) ( 5 ) ( A ). 
Please update this record to reflect accurate status and history. 
XXXX. Account : XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Closed o Balance : {$0.00} o Date Opened : XXXX o Issue : There is a discrepancy in the reported payment history, specifically regarding the last payment and late payments. 
o FCRA Violation : Reporting inaccurate balance and payment status under 1681e ( b ). 
XXXX. Account : XXXX XXXXXXXX XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Closed o Balance : {$0.00} o Date Opened : XXXX o Issue : This account should be marked as current, but it is being reported inaccurately. 
o FCRA Violation : Failure to update the account status under 1681i ( a ) ( 1 ) ( A ). 
XXXX. Account : XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Open o Balance : {$160.00} o Date Opened : XXXX o Issue : The account is inaccurately reported as in good standing with discrepancies in late payments. 
o FCRA Violation : Failure to accurately report payment history under 1681i ( a ) ( 1 ) ( A ).

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 2025-10-31 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 am filing this dispute to address inaccuracies on my credit report. Below are the details of the accounts in question : CHARGED OFF : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$850.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} LATE PAYMENTS : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX INQUIRIES : 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

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/year> with a balance of {$4500.00}. Please verify and correct the status for this account. 

Inquiries : There are no specific inquiries listed for TransUnion in this case. 

Late Payments : XXXX  XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please investigate and provide a corrected status. 

XXXX XXXXXXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and provide the correct status. 

XXXX XXXX  ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please investigate and provide an updated entry.

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 2025-10-31 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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