vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information reported on my file by the involved company is inaccurate, incomplete, or entirely unverified. This includes errors regarding the status of the account, the reported balance or amount owed, and/or specific dates of activity or delinquency. I have no record or knowledge of the transaction or account as reported, or the entry conflicts directly with my payment history and supporting documentation, which indicates the account was either paid in full, settled, or never legitimately owed. I request a thorough investigation and removal of this entry or correction to reflect the accurate status, balance, and history of the debt or transaction in question.

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 2025-11-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Immediate Federal Reinvestigation and Permanent Deletion of All Unverified, Inaccurate, and Derogatory Accounts This dispute is submitted under penalty of perjury pursuant to 28 U.S.C. 1746. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and demanding the immediate deletion of the derogatory tradelines listed below due to inaccurate, incomplete, or unverifiable reporting.

Accounts Requiring Immediate Deletion : 1. XXXX XXXX Derogatory Charge-Off / Collection Balance {$960.00} Unverified reporting, inconsistent payment data, and missing documentation.

2. XXXX XXXX XXXX Derogatory Charge-off / Collection Balance {$1200.00} Unverified reporting, inconsistent payment data, and missing documentation.

3. XXXX XXXX XXXX XXXX Derogatory Charge-off / Balance {$430.00} Unverified reporting, inconsistent payment data, and missing documentation. 
4. XXXX XXXX XXXX XXXX Derogatory Charge-off / Collection Balance {$740.00} Unverified reporting, inconsistent payment data, and missing documentation. 
5. XXXX XXXX XXXX Derogatory Installment Loan Incomplete, inconsistent, and unverified reporting.

Federal Verification Requirements : TransUnion must obtain original-signed applications, complete payment histories, charge-off calculations, assignment documentation, Metro-2 compliance data, and furnishing investigation notes. Legal Authority Supporting Deletion : FCRA 607 ( b ) Maximum possible accuracy FCRA 611 ( a ) Required reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Unverifiable information MUST be deleted FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FCRA 609 ( a ) Right to all verification documentation 28 U.S.C. 1746 Declaration : I, XXXX XXXX XXXX, declare under penalty of perjury that the information contained in this dispute is true and correct, and that the accounts listed are inaccurate, incomplete, or unverifiable. TransUnion is required by federal law to delete them immediately. Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Immediate Federal Reinvestigation and Permanent Deletion of All Unverified, Inaccurate, and Derogatory Accounts This dispute is submitted under penalty of perjury pursuant to 28 U.S.C. 1746. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and demanding the immediate deletion of the derogatory tradelines listed below due to inaccurate, incomplete, or unverifiable reporting.

Accounts Requiring Immediate Deletion : 1. XXXX XXXX Derogatory Charge-Off / Collection Balance {$960.00} Unverified reporting, inconsistent payment data, and missing documentation.

2. XXXX XXXX XXXX Derogatory Charge-off / Collection Balance {$1200.00} Unverified reporting, inconsistent payment data, and missing documentation.

3. XXXX XXXX XXXX XXXX Derogatory Charge-off / Balance {$430.00} Unverified reporting, inconsistent payment data, and missing documentation. 
4. XXXX XXXX XXXX XXXX Derogatory Charge-off / Collection Balance {$740.00} Unverified reporting, inconsistent payment data, and missing documentation. 
5. XXXX XXXX XXXX Derogatory Installment Loan Incomplete, inconsistent, and unverified reporting.

Federal Verification Requirements : TransUnion must obtain original-signed applications, complete payment histories, charge-off calculations, assignment documentation, Metro-2 compliance data, and furnishing investigation notes. Legal Authority Supporting Deletion : FCRA 607 ( b ) Maximum possible accuracy FCRA 611 ( a ) Required reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Unverifiable information MUST be deleted FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FCRA 609 ( a ) Right to all verification documentation 28 U.S.C. 1746 Declaration : I, XXXX XXXX XXXX, declare under penalty of perjury that the information contained in this dispute is true and correct, and that the accounts listed are inaccurate, incomplete, or unverifiable. TransUnion is required by federal law to delete them immediately. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX Date assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX Date opened XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a formal complaint regarding the gross mishandling and unjust denial of my auto rental insurance claim ( Claim XXXX XXXXXXXX ), which I initiated on XX/XX/year>. I relied on the Auto Rental Collision Damage Waiver benefit associated with my Chase card for a XXXX XXXX, having declined the rental company 's coverage and paid for the transaction fully with my card. After the vehicle sustained accidental damage, I immediately submitted all required documentation ; however, Chase  XXXX denied my claim based on the demonstrably false assertion that I received a " full refund '' from XXXX, which they claimed voided the coverage. I have since confirmed with both XXXX representatives and XXXX  own billing department that no refund was ever issued, yet when I requested a second review to correct this error, the benefits XXXX simply reiterated the initial rejection reason without conducting any genuine verification. This alleged XXXX XXXXXXXX XXXX XXXX  appeared to be nothing more than a deceptive formality to dismiss my case. Furthermore, my repeated attempts to resolve this over the phone have been futile ; the XXXX is consistently unavailable, and promised callbacks have been ignored. As a current student, the financial burden of these repairs is overwhelming, and as a former banking professional who understands the importance of institutional integrity and customer trust, I find this negligence, lack of accountability, and refusal to acknowledge verified facts to be completely unacceptable. I urge the CFPB to intervene and compel Chase to acknowledge that no refund exists and to process my legitimate claim immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
Disputed accounts shall be resolved within periods defined by 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 2025-11-18 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: SC

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent in nature, you are required to remove it from my credit report within a reasonable time frame. 

It has come to my attention that certain accounts are still being reported under my name and Social Security Number, despite my previous notification to you regarding these accounts in question. I have already submitted proper documentation indicating that these accounts were opened as a result of identity theft, and they should not be appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am extremely XXXX  to see that these inaccurate accounts are still appearing on my credit report, and they were not taken off even after everything I provided. I am begging that the documents I attached be checked carefully so I can finally stop living in fear over this matter.

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 2025-11-18 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: TX

Complaint narrative:
I am extremely XXXX  to see that these inaccurate accounts are still appearing on my credit report, and they were not taken off even after everything I provided. I am begging that the documents I attached be checked carefully so I can finally stop living in fear over this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: TN

Complaint narrative:
MOHELA has two student loans opened with my information and I do not attend any school. This is a fraudulent set of loans. According to my credit report from credit karma they were opened on XX/XX/2025. One is for {$2200.00} and the other is for {$1700.00}. I'm assuming the person who opened them will not pay them and I will take the hit to my credit score. I have used XXXX XXXX 's reporting function on their app and am now taking more action to submit this to the Consumer Financial Bureau. Next on the list is finding the school the loan is being used for and contacting them.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I noticed my Capital One cards were suddenly not working. When I checked my balances, the accounts showed as paid, but the system listed them as restricted. This is a secondary account for me, and I normally keep it paid off. If there is ever an issue, I transfer funds immediately, so this restriction made no sense. 

I contacted customer service, but the representatives could not explain why my account was restricted. Instead, they repeatedly read a generic disclosure that provided no actual information. When I asked to be transferred to the fraud department, I was instead routed to another general support desk. I was never connected to fraud or anyone who could explain the situation. 

The agent I finally spoke to told me it looked like a payment was returned and then cleared when it came due. The conversation went as follows : So you received the payment? 
Yes. 

And you closed all of my accounts anyway? 
Yes. 


This makes no sense because not all of my accounts are linked, and the returned-then-cleared payment should not have triggered closure of every account I have. This created unnecessary damage to my credit file without notice and without justification. 

Additionally : You did not inform me of any issue before restricting the accounts. 

You restricted access, preventing me from resolving anything. 

You ran my credit again for a card that was supposedly the same product I already had without explanation. 

When I attempted to transfer money to finish paying off the accounts, I found that my bank account had also been closed and access frozen, again without any notice. 


At this point, I was given no access, no explanation, and no way to speak with anyone who could provide answers or restore access long enough for me to settle balances or transfer funds. This appears to be an automated process that is harming consumers and combining unrelated accounts in a way that I never authorized. 



I hope for full investigation and a written response. The lack of notice and restricted access has created unnecessary financial harm, and I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase closed my personal checking, i opened complaint id XXXX now i see closed also my business checking account without any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-18 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: PA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
I have called and tried accessing experian account. There technology has prevented me from adding a proper phone, address or email to my account. When I call their automated system prevents me from speaking to a human. The email associated with the account is a different email. The phone number hasn't been used in years. Their XXXX hasn't worked in years so my information is out of date and can not be changed. I demand that they fix my online access and correct my 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 2025-11-18 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: OK

Complaint narrative:
I am really upset to see that the inaccurate late payments continue to show on my credit report today, and I have no idea why they are still there. Refreshing my browser did nothing, which has only added to my XXXX. I am asking that the documents I provided be checked right away so I can put this behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I initiated a balance transfer with Citi Bank, which was to process the funds to my XXXX XXXX XXXX credit card. The balance transfer details are as follows : Amount : {$2800.00} Payment Date : XX/XX/XXXX I called immediately as the funds did not reflect in my XXXX XXXX account. For XXXX weeks, I kept getting the run around that the funds were there, wait a few more days, etc. 

Finally, I asked for the individual on the phone to confirm the account number of XXXX XXXX that Citi had... it was off by XXXX digit. The Citi rep was supposed to send this up for investigation and it should have been reversed. It was not. I have called multiple times, I went into a XXXX XXXX branch ... both institutions say that it is on the other bank. I can not get the balance transfer reversed... 

As of last week, it was escalated ( again ) ... and the rep advised that by XXXX  XX/XX/XXXX the funds should be reversed and I could re-attempt the balance transfer. The funds did not reverse and I called. Another rep advised that I should let the entire day play out, calling back tomorrow ( today ). I called again, as the funds are STILL not reversed. The rep escalated me to a supervisor per my request. She is now investigating it .. again .. and it will be XXXX business days. 

This transaction has not only increased my debt, but it also shot my credit down by XXXX or so points. I am in the process of trying to purchase a home, which is why I initiated this in the XXXX  place. I wanted to free up some funds and pay less interest on the remaining debt that I had. Now, it has just created a financial storm... 

I need this balance transfer reversed, since it did NOT go to my account and is allegedly floating around at XXXX XXXX, as the number I incorrectly keyed in is not even an accurate account per the XXXX at the XXXX XXXX  location that I physically went into last week. 

I also already had to pay on this Citi balance transfer, because they have started billing me already...

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 2025-11-18 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: TX

Complaint narrative:
Please correct/update this inaccurate information on 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 2025-11-18 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: PA

Complaint narrative:
Experian is reporting XXXX # XXXX that was update/verified on XX/XX/XXXX and continues to report inaccurate, incomplete information on my credit report. 

The account reports Date of Last Payment as XX/XX/XXXX but reports a payment was made in XX/XX/XXXX. Which is it? 
It is reporting in violation of FCRA1681 ( e ) ( b ) fix this or remove this account or delete it. 
. There is no information reporting for the month/year XX/XX/XXXX and is another violation under FCRA 1681 ( e ) ( b ) because it is incomplete and unverifiable therefore provide the data or delete account.

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