vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
MRSBPO is falsely reporting on my credit. I have never had any accounts with them. Per my research MRSBPO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged for a product by XXXX that arrived in damaged condition, different than what was sold. The order was {$300.00}, plus XXXX shipping, minus {$25.00} for a coupon, and XXXX for tax, bringing the total amount of this charge to {$310.00}. This was paid on XX/XX/XXXX. 

When the item arrived damaged, I reached out to the seller immediately, and opened a case. The seller agreed that the item came damaged, and agreed that the item had been damaged by XXXX 's authentication vendor ( all collectible cards over a certain amount are sent to an authenticator that then sends to the customer on behalf of XXXX ). 

XXXX reached out and agreed to provide a refund on XX/XX/XXXX and would do so within XXXX days. It is now over a month later and they did not provide the refund to my Capital One card. I have tried contacting XXXX about it, but they have no record of the information that they gave to me. I have reached out to Capital One, and have provided evidence, yet they denied my claim and are asking me for additional details that the XXXX in unable/unwilling to provide. Capital One has failed to protect me as a consumer on multiple levels and this needs to be corrected. They side with a seller just because the seller does not have adequate documentation, which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because Experian is reporting negative information that it can not fully verify under the Fair Credit Reporting Act ( FCRA ). 

I disputed this information directly with Experian. The dispute placed Experian on notice that certain negative entries in my file may be inaccurate, inconsistent, incomplete, or unverifiable.

Experian is required under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. My file contains conflicting and incomplete negative information that does not meet this standard. 

Under 15 U.S.C. 1681i ( a ), Experian must perform a reasonable reinvestigation. A reasonable reinvestigation requires more than relying on automated responses from furnishers. The court in Cushman v. TransUnion Corp. held that a CRA has a duty to conduct an independent investigation and may not simply accept the furnishers response as conclusive. 

Experian failed to demonstrate that the disputed information was verified using original, competent evidence. 

Because Experian could not verify the disputed items to FCRA standards, 1681i ( a ) ( 5 ) ( A ) requires deletion of all information that can not be confirmed through reasonable verification procedures.

I am requesting CFPB assistance to : Ensure Experian conducts a proper reinvestigation under 1681i ; Require Experian to delete any negative information that can not be verified ; Require Experian to provide a corrected file and explanation of its verification methods. 

This is a compliance issue involving accuracy, reinvestigation, and verification obligations under federal 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the inaccuracies reflected on my credit report. Below is the detailed information regarding the accounts I am disputing, separated by each credit bureau. 


Charged Off Accounts XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$870.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$35000.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$16000.00} Inquiries XXXX XXXX  XXXX, XX/XX/XXXX FACTUAL DATA, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
DUE TO FINANCIAL HARDSHIP AS A SENIOR CITIZEN ON A FIXED INCOME, I REQUEST THAT MY INTEREST RATE BE LOWERED TO XXXX PERCENT FROM XXXX PERCENT SO I CAN PAY OFF MY {$18000.00} BALANCE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute certain items on my Experian credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Inquiries ] XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/24 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 explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Issue : I previously had a Chase [ checking/savings ] account that was closed by the bank. I was told at the time that refund checks were mailed to my old address. I later moved and never received the checks. When I contacted Chase recently to have the checks reissued, multiple representatives told me there is no record of me ever having an account and no refund checks were ever issued. 

Problem : Chase is denying the existence of my account despite the fact that I held an active account for years. They are unable or unwilling to provide any account history or documentation. This has resulted in missing funds that rightfully belong to me, and Chase is refusing to investigate properly or reissue the money owed. 

What I am requesting : A full investigation into all historical Chase accounts under my name and SSN Confirmation of the refund checks issued after account closure Stop-payment on unreceived checks Reissuance of my funds to my current address Production of all records related to my closed account Impact : I am being denied access to funds that belong to me due to Chases failure to maintain accurate records or conduct a proper review. This has caused financial harm and significant frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am submitting this dispute regarding several accounts on my credit report that I believe are inaccurate or contain errors. Please review the following accounts and provide a resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I am filing a complaint because Chase is refusing to honor a written promotional offer for up to {$900.00} tied to coupon code XXXX XXXX XXXX XXXX, despite my meeting all the requirements outlined in the official offer. 

What happened : I opened a new Chase Total Checking account and a new Chase SavingsSM account at the same time, as required. 

I completed a qualifying direct deposit into the checking account. 

I deposited and maintained the required {$15000.00} in new funds in the savings account for the required period. 

Chase agents are incorrectly stating that a minimum of {$500.00} in direct deposits is required to receive the bonus. This is not in the written offer. The email clearly states that only a qualifying direct deposit is required ; the {$500.00} amount applies only to waiving monthly service fees, not the bonus itself. 

Additionally, my direct deposit was delayed by XXXX  days due to employer processing, and I accidentally initially deposited savings funds into the checking account. These were honest mistakes and do not violate the written promotional terms. 

I have been a loyal Chase customer for many years, and I respectfully request that Chase honor the promotional bonus as outlined in the official terms. 

I have attached a copy of the promotional email and my account activity. 

Requested resolution : Credit the full {$900.00} bonus to my accounts as originally promised in the written offer. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing once again regarding the fraudulent item that continues to appear on my credit report. Despite my previous efforts to address this issue, I am still battling this unauthorized entry. This ongoing situation is not only distressing but also raises serious concerns about how this can continue happening for such a prolonged period. I have been noticing that my credit report does not have my correct personal information and this is causing this unknown and inaccurate account to appear on my credit. I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint regarding a student loan account serviced by XXXX. On XX/XX/year>, I missed a payment due to not receiving my statement. The mailing address on file with XXXX was incorrect, so I never received the physical bill. I paid the full balance immediately upon realizing the missed payment. 

The account was reported to the credit bureaus as XXXX  days late on XX/XX/year> e.g., XXXX  days after the missed payment. I contacted UAS, submitted a goodwill letter, and called to request that the late payment be removed due to my long history of on-time payments and the fact that I did not receive the statement because of their error. XXXX informed me that the XXXX late would remain on my credit report, though they confirmed the account would now be reported as current going forward. 

I believe this late payment is inaccurate or unfairly reported because it resulted from an administrative error on the companys part, not from negligence on my end. I am requesting CFPB assistance to have this late payment corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint regarding a student loan account serviced by XXXX. On XX/XX/year>, I missed a payment due to not receiving my statement. The mailing address on file with XXXX was incorrect, so I never received the physical bill. I paid the full balance immediately upon realizing the missed payment. 

The account was reported to the credit bureaus as 30 days late on XX/XX/year> e.g., 46 days after the missed payment. I contacted XXXX submitted a goodwill letter, and called to request that the late payment be removed due to my long history of on-time payments and the fact that I did not receive the statement because of their error. XXXX informed me that the XXXX late would remain on my credit report, though they confirmed the account would now be reported as current going forward. 

I believe this late payment is inaccurate or unfairly reported because it resulted from an administrative error on the companys part, not from negligence on my end. I am requesting CFPB assistance to have this late payment corrected or removed 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 explanation
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
I am filing a complaint regarding a student loan account serviced by XXXX. On XX/XX/year>, I missed a payment due to not receiving my statement. The mailing address on file with XXXX was incorrect, so I never received the physical bill. I paid the full balance immediately upon realizing the missed payment. 

The account was reported to the credit bureaus as 30 days late on XX/XX/year> e.g., 46 days after the missed payment. I contacted XXXX, submitted a goodwill letter, and called to request that the late payment be removed due to my long history of on-time payments and the fact that I did not receive the statement because of their error. XXXX informed me that the XXXX late would remain on my credit report, though they confirmed the account would now be reported as current going forward. 

I believe this late payment is inaccurate or unfairly reported because it resulted from an administrative error on the companys part, not from negligence on my end. I am requesting CFPB assistance to have this late payment corrected or removed 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