vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8800.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$850.00} Account Name : XXXX  XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$620.00} In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I submitted a dispute to Experian on XX/XX/2025, regarding an account from National Credit Adjust. This is the second time Ive disputed this item, and both times Experian has marked the account as verified without providing any documentation, contract, or proof of investigation. 
The account includes repeated Invalid date entries, which clearly show the information is inaccurate, incomplete, or corrupted. I requested proof of verification and documentation of how the account was validated under FCRA 611 ( a ) ( 7 ). Experian has not provided this. Most concerning, I have an active CFPB complaint against Experian filed on XX/XX/2025, which is still marked in progress. Yet, on XX/XX/2025, Experian updated my credit report and reverified the same account without notifying me or supplying documentation. This appears to be a violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits re-reporting of disputed information during an ongoing dispute without proper evidence and notice. I am requesting that the CFPB escalate this issue, compel Experian to supply proper verification, and if they can not, that this account be immediately deleted for failure to comply with federal law. I have also uploaded a supplemental letter detailing these events in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info\n\nResponsibility\nIndividual\n\n\nTerms\XXXX  Months\n\n\nCompany sold\n-\n\n\nOriginal creditor\n-\n\n\nComments\nRedeemed repossession Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)\nThis information is being reported incorrect\nThe balance is current'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info\n\nResponsibility\nIndividual\n\n\nTerms\XXXX  Months\n\n\nCompany sold\n-\n\n\nOriginal creditor\n-\n\n\nComments\nRedeemed repossession Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)\nThis information is being reported incorrect\nThe balance is current'

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months\n\n\nCompany sold\n-\n\n\nOriginal creditor\n-\n\n\nComments\nRedeemed repossession Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)\nThis information is being reported incorrect\nThe balance is current'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-27 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025 while checking out at local grocery store my ATM PIN number was observed my ATM card was then stolen and within a short amount of time {$7900.00} dollars were withdrawn from my JP Morgan Chase checking account. {$6000.00} from and in house withdrawal transaction, and three subsequent ATM transactions totaling {$1900.00}. JP Morgan Chase Fraud department sent me a text message and a email message asking if I had made these withdrawals. I immediately contacted Chase to report I had not. During this conversation the ATM card used to withdraw these funds was canceled and a new card was processed. After this call I processed to my local Chase Branch to further discuss my concerns over these fraudulent acts. An affidavit was filled out and signed by me. Ive contacted my local police authority and filled out a complaint. This was done online per their instructions. I have received confirmation that they have received the complaint but to date I have yet to hear back from them. I have also had several conversations with the grocery store where my PIN number and physical ATM card was stolen. They did inform me there is surveillance film of me being watched at the checkout and being followed to my car. They are awaiting a request from the police authorities to view the surveillance film. Chase has informed me my claim has been denied stating I didnt do enough to protect my Pin Number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Good day. 

My prior property insurance had an annual premium of {$1100.00}. My current property insurance has an annual premium of {$1100.00}. This is approximately {$100.00} per month. 

My prior insurer was XXXX, which is the Florida state-subsidized insurer. in late XXXX, I received notice that XXXX would not be renewing my policy due to the fact that their model is temporary in nature. ( I did not have any insurance claims ). I promptly began to search for replacement insurance. 

From XX/XX/XXXX to XX/XX/XXXX, the mortgage servicer, Select Portfolio Servicing ( SPS ) force-placed insurance. During this two and a half month period, SPS billed me a total of {$1300.00} or approximately $ XXXXmonth. This annualizes out to {$6400.00} per year. 

According to Regulation X ( 12 CFR 1024.37 ) " charges related to force-placed insurance ... must be bona fide and reasonable ''. 

Pursuant to this, in XXXX of XXXX, I spoke with XXXX, the SPS ombudsman at XXXX. I requested an invoice from SPS to document bona fide and reasonable charges. This was never provided. I am seeking a refund of the {$1300.00}, less a bona fide and reasonable charge for the two and a half month XXXX  in coverage. 


The following : is taken from CFPB 's website : Limitations on force-placed insurance charges ( 1 ) In general. Except for charges subject to State regulation as the business of insurance and charges authorized by the Flood Disaster Protection Act of XXXX, all charges related to force-placed insurance assessed to a borrower by or through the servicer must be bona fide and reasonable.

( 2 ) Bona fide and reasonable charge. A bona fide and reasonable charge is a charge for a service actually performed that bears a reasonable relationship to the servicer 's cost of providing the service, and is not otherwise prohibited by applicable law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have disputed this account at least three different times and the refuse to report this account correctly. This account has multiple inaccurate marks, for one an account can not be marked as charged -off ( CO ) multiple times it's been marked 3 times it can only be marked once. Also after it was marked as a charge -off it was then marked as 90 days late how can a charged -off account be marked 90 days late then back to charge -off status. And then they marked the account as repossession after charge -off that can not occur in that sequence that reporting is not allowed. Lastly the account status says repossession when the account status should be marked as paid. These errors make the report misleading an inaccurate, which is an violation of FRCA 1681e ( b ) ( duty to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
I've asked several times when my check would be re-issued and agents tell me one thing and I still haven't received it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8800.00} Account Name : XXXX  XXXX  XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX  XXXX  XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Somebody took a capital.One card out in my name capital one refuse to investigate it properly so I paid it off. 
And now I got this as a result of identity theft and reported as so. capital One 's misappropriation of my money that I shouldn't have to pay in the first place is killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report. I never approved their opening and had no prior knowledge of them. As outlined under USC 1681g, I am requesting their removal within 15 days. Supporting documentation is attached.

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