vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$97.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, funds from the XXXX XXXX in the amount of {$440.00} were submitted for automatic deposit to a closed and charged off account ending in XXXX to Chase Bank. The account was closed due to my inability to pay off overdraft charges and fees totaling {$400.00}. 
I called Chase bank three times and confirmed through the standard customer service department that the funds were going to be sent back because the account was closed and charged off. I was even relayed the confirmation again that the funds were received on XX/XX/XXXX, rejected, and returned to the XXXX  on XX/XX/XXXX. 
On XX/XX/XXXX, I received a check for the difference of the child support totaling {$43.00}. When I called the number XXXX, I spoke with a representative by the name of XXXX and supervisor XXXX, who informed me that there was nothing I could do to recover the federally exempt funds that were supposed to be returned to the TXSDU and they were sorry. XXXX was not very helpful at all. 

I would like a review done and a very clear clarification on the process and law pertaining to child support and other government protected funds when there is an outstanding balance on a closed and charged off account. Chase mishandled my money, violated consumer debt protection rules, and I want it investigated. 

Please note, that I have not cashed or deposited the difference sent to me as I want a full refund for the money taken erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2025-12-22 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: EQUIFAX, INC.
State: NY

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts that have been inaccurately reported to the credit bureaus. Please review the following details of the accounts in question : Charged Off Accounts : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account 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 2025-12-22 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: FL

Complaint narrative:
Company : TransUnion LLC I am filing this complaint because TransUnion has reinserted a previously removed eviction/lease collection account with an incorrect and re-aged delinquency date, making the account appear significantly more recent than it actually is. 

On my TransUnion credit report dated XX/XX/XXXX, the account was reported as : Placed for Collection : XX/XX/XXXX. 

After this account was removed, it was later reinserted and now appears with a Date Opened : XX/XX/XXXX, which materially changes the age of the account and falsely suggests a recent delinquency. 

This constitutes illegal re-aging and violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1681 requirement for fair and accurate credit reporting Additionally, the reinsertion of previously deleted information without proper notice raises concerns under 15 U.S.C. 1681i ( a ) ( XXXX ) ( 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 2025-12-22 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
We have requested a payoff of our loan by the new lender, email and phone calls. They refuse to give this information to us or the new lender for over 30days saying we need to send request by email from my email address to a specific email in their office which we have. We have also been harassed by phone over a dozen times about getting refinanced with them and have told them no just get us the payoff information and stop calling. I dont know what else to do as a XXXX veteran I feel very pressured and harassed by the way they conduct their business and believe they should lose any right to continue doing business with the VA and treat veterans this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have requested 3 different times and the President of HOA requested once to send form to remove me from HOA business account. They have not sent form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: NC

Complaint narrative:
My complaint is that my loan has a maturity date of XX/XX/year> and my account balance is still at over {$5000.00}. Looking over my contract that I signed blindly, my car at the time of purchase was a little over {$12000.00} and my finance agreement that I signed agreed to pay back over {$32000.00}. This is unreasonable. At the time when I went to that dealership that I purchased my car from in XXXX XXXX, North Carolina when I got there they had this particular car running already with the drivers door open and handed me the keys. They told me that all I had to do was sign a few documents and I would be on my way. In hindsight, I know now why they were in such a rush to had me the keys with the car already running. It was to distract me from this outrageous document. At present day the vehicle is in fair condition at best and no longer actively runs. It has over XXXX miles on it. I have paid at this point {$28000.00} on this vehicle that was valued at XXXX. I want this loan resolved with a reasonable amount as I can not use the vehicle and due to the fact that I was price gouged by far with no clear explanation of the terms. The dealership that I got this vehicle from conveniently shut down shortly after I purchased this vehicle. I need help resolving this matter please. Amicably and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
My vehicle was repossessed after a brief payment delay of less than XXXX weeks on the first payment. The payment due on the XXXX was made and posted, bringing the account current. The decision to repossess was made around the XXXX of the month, before the account was even XXXX weeks past due. 

The delay occurred because the vehicle ( XXXX  XXXX XXXX ) was unusable and in the repair facility for approximately XXXX weeks due to a serious mechanical defect covered under the lenders warranty. As of today, the work still has not been completed because the shop is waiting on parts. During this time, I incurred out-of-pocket rental vehicle expenses in order to maintain transportation. I notified the selling dealer in writing about the defect while it was occurring. 

The dealership told me the car had never been in an accident. When inspected by the mechanic, he advised that anyone at the dealership could easily identify that the car had been in an accident - there were after market parts installed and obvious welding and rust under the hood. 

I maintained continuous insurance coverage on the vehicle at all times. The vehicle has not been sold. 

Despite the payment being cured, the lack of any insurance lapse, and the vehicles unusability due to a covered defect, Bridgecrest refused to reinstate the loan and demanded full payoff of the balance. This refusal occurred even though I asserted my right to redeem and reinstate under Illinois law. 

Also, I received no phone calls or information that this might happen. No one made me aware of the consequences and I assumed because the car was not drivable and I was paying for a rental car, the delayed payment was acceptable. 

I believe this constitutes bad-faith enforcement and refusal to honor my right to redemption and reinstatement under XXXX XXXX XXXXXXXX Code sections XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. I am seeking reinstatement of the loan under its original terms, immediate return of the vehicle, waiver of repossession fees, and confirmation that no adverse credit reporting has occurred or will occur. In the alternative, I seek full rescission of the transaction with deletion of any tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 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 2025-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Goal Structured Solutions, LLC
State: NY

Complaint narrative:
I am being contacted by debt collectors for a loan through XXXX XXXX for XXXX XXXX, even though I was withdrawn from the program and did not receive the services the loan was intended to cover. 
I applied for the program and the loan approximately one year ago. To my knowledge, the loan was never finalized. I later received an email stating that I had been withdrawn from the program. Despite this, XXXX  disbursed the loan funds to XXXX XXXX. 
XXXX  has informed me that XXXX XXXX has the funds. XXXX XXXX has not refunded the disbursement or notified XXXX  of my withdrawal, which violates their own policies regarding early withdrawal and loan handling. 
I am requesting : A full investigation A temporary halt to collections Confirmation of the disbursement date Correction or cancellation of the loan Refund of any improperly disbursed funds from XXXX XXXX back to XXXX  This situation is causing financial harm and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
In XX/XX/year>, I reported unauthorized and fraudulent activity on my Kraken account. Kraken acknowledged the report, marked the case as Solved, and subsequently closed my account. At no time did I authorize the transactions in question, admit responsibility, or agree to repay any funds. 
Months later, Kraken contacted me asserting a negative balance of - {$58000.00} and demanding repayment. Kraken has refused to provide any evidence or meaningful explanation supporting this alleged debt, stating that they will not share investigative materials, logs, or documentation directly with me. They are instead requiring that law enforcement request information, while simultaneously demanding that I personally repay the balance. 
Kraken is relying on broad Terms of Service language to assert liability, despite the fact that the activity was reported as fraud and the account was already closed without prior notice that Kraken considered me financially responsible. Kraken has not provided a debt validation, summary findings, or any explanation of how they determined that the activity was authorized or attributable to me. 
Despite the balance being formally disputed, Kraken has threatened collection efforts unless I repay the amount. I am seeking confirmation that this alleged debt is properly validated, that it is marked as disputed, and that no collection activity will occur while the dispute remains unresolved.

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