vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS ACCOUNT WAS OPENED IN MY NAME WITHOUT PERMISSION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
Made a payment of XXXX to settle the collection. The account is still on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: LEXISNEXIS
State: GA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sold my home, received my check from my Title company, tried to deposit the check into my Chase account and was told because it was from my home that was in a trust I needed to deposit it in a trust account so the check had to be returned to me, which took til the next day, and then I had to make a trust account and neededanother day for it to be approved. Once all of this happened, ( I was on a time crunch, needed the money to pay for my move across the country which was happening on Saturday, I started this process the Monday before ), I was told the check would be on a XXXX business day hold. This was after I tried to deposit the check a second time. I was told to call and tell the customer service department that I needed the check cleared ASAP which XXXX people said they would and then the last person said no. I feel like my money is being held hostage because every time I do what they say to do I still dont have the funds and tomorrow is Saturday. This is XXXX  days since I triedto deposit the check the first day. I feel that since it was a large check Chase bank is trying to keep it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A check was written on XX/XX/XXXX for {$2300.00}. Shortly thereafter it was determined the charge was excessive for an elderly persons dental work at XXXX AM or shortly after on XX/XX/XXXX a stop payment request was made online to the pending check, a {$25.00} fee was charged. The stop payment was confirmed later at XXXX pm XX/XX/23 by calling the XXXX - XXXX of customer service at Chase confirmed the stop payment went through, not to worry, they will not get the money. I noticed today that the account still showed the debit of the check when I called speaking with three separate people and then an account supervisor I was cut off. They all said the stop payment did not go through and the check was posted and paid despite their earlier assurances. I am now at a loss with my formal written dispute under XXXXXXXX XXXX XXXX since I now have no leverage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Ascent Holding Co
State: CT

Complaint narrative:
I am filing this complaint regarding a private student loan issued by Ascent Funding for enrollment in XXXX, a coding bootcamp that has ceased operations immediately. XXXX XXXX issued a public announcement but was not accessible due to restrictions on the platform, I had to contact a student who was a former student advisor to send me the announcement confirming the immediate closure of the company and advised students to contact their lenders to dissolve their loans. Despite this, Ascent Funding has not yet agreed to forgive or dissolve my loan. 

Details : I enrolled in XXXX on XX/XX/XXXX and financed my tuition through Ascent Funding for an total disbursed amount of {$10000.00}. 

On XX/XX/XXXX, XXXX announced its closure via a formal message from XXXX XXXX XXXX, stating that all classes would cease immediately and advising students to contact lenders. 

I contacted Ascent Funding XX/XX/XXXX via phone requesting loan cancelation. 
I have not received a resolution other than to look out for an email possibly concerning next steps. 

The educational services promised under the loan agreement are no longer available, and I believe continuing to enforce repayment constitutes unjust enrichment and a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have asked them to validate and verify my original debit and they have not. 
I am sending a cease-and-desist letter 15 U.S.C. 1692c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Had the car for XXXX  months head gasket blew and the warranty was supposed to cover it but the warranty wouldnt cover it I dont know why and I told them come get car they never came got it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Identity Theft Request to Block Information under 15 USC 1681c-2 Date : XX/XX/year> Experian XXXX XXXX  XXXX XXXX XXXX  XXXX To Whom It May Concern, I am writing to dispute and request the immediate blocking of fraudulent accounts and/or information appearing on my credit report in accordance with 15 USC 1681c-2 of the Fair Credit Reporting Act. 
The following accounts are the result of identity theft and must be blocked : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) As required by law, I am including the following supporting documents : A copy of my government-issued ID Proof of address My official Identity Theft Report ( FTC ) According to 15 USC 1681c-2 , you are required to block this information within XXXX ( XXXX ) business days of receiving my request. Please also notify the furnishers to stop reporting this fraudulent data. 
I expect written confirmation of the deletion once the block has been applied. 
Sincerely, _________________________ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute inaccurate and incomplete information on my credit file. Please reinvestigate the following accounts pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( procedure in case of disputed accuracy ) and 1681e ( b ) ( requirement for maximum possible accuracy ) : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Account No : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$680.00} Status : Collection/Charge-off Date Last Active : XX/XX/XXXX Issue : This account appears only on TransUnion, not XXXX  or XXXX which makes it inaccurate and inconsistent under 1681e ( b ). The Date Last Active also conflicts with payment activity ( none made ). This may constitute unlawful re-aging of a debt. Requested Remedy : Delete this tradeline in full due to failure of maximum possible accuracy and unverifiable activity history. 
XXXX. XXXXXXXX XXXX XXXXD ( XXXX XXXX  XXXX. ) Account No : XXXXXXXX XXXX XXXX XXXX XXXX Status : Late XXXX Days Reported Past Due : {$210.00} Date Opened : XX/XX/XXXX Issue : This account is listed as XXXX  days late on TransUnion, but Current on XXXX. This cross-bureau conflict demonstrates inaccuracy. Additionally, late status may violate TILA 1666b if payment posting occurred within the XXXX window.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Dear Experian Dispute Department, I am requesting an immediate reinvestigation of inaccurate and inconsistent reporting appearing in my Experian file. 
XXXX. XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX. ) Account No : XXXXXXXX XXXX XXXX XXXX XXXX Status : Current Balance : {$2600.00} Date Opened : XX/XX/2024 Issue : XXXX is reporting different statuses across bureaus Current here, but Late XXXX Days on TransUnion and Equifax. This inconsistency violates 1681e ( b ) ( maximum possible accuracy ). Additionally, please confirm that any late mark is substantiated with billing records compliant with TILA 1666b ( XXXX notice requirement ). Requested Remedy : Verify and ensure consistent reporting across all bureaus or correct to Paid as Agreed. 
XXXX. Inquiries Audit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
My credit report is showing late payment statuses that are inaccurate and not a true reflection of my payment history. I have made my payments on time as agreed, yet the bureaus and furnishers continue to report these accounts incorrectly. This reporting is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies and furnishers to ensure maximum possible accuracy ( 607 ( b ) ) and to conduct proper reinvestigations of disputed items ( 611 ). These errors are unfairly lowering my credit standing and impacting my ability to qualify for credit on fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
Please accept this as my formal dispute of the following inaccurate or unverifiable items listed on my Experian credit report dated XX/XX/year>. 
XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} Issue : Reported as " Open '' with active balanceviolates Metro 2 charge-off reporting standards. 
XXXX XXXX, violating FCRA 605 ( a ). 
No CII code present indicating dispute ( required : XXXX ). 
Fails to show accuracy per FCRA 607 ( b ). 
XXXX. Inquiries Not Tied to Open/Positive Accounts : CCS COLLECTIONS XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year>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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
This letter serves as a formal dispute and data breach notice regarding inaccurate, incomplete, and unverifiable accounts appearing on my TransUnion report. Pursuant to FCRA 611 ( a ) and 607 ( b ), you are obligated to reinvestigate and delete any unverifiable data within XXXX  days. 
The following accounts are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  ( Acct # XXXX ) XXXX. XXXX XXXX XXXX  Each entry reflects serious inconsistencies across reporting agencies, including incorrect delinquency sequences, unverifiable balances, and duplicate or incomplete account data all violating Metro 2 format and FCRA 623 ( a ) ( 1 ) ( A ). 
Additionally, these discrepancies expose my personal and financial data beyond its permissible purpose under FCRA 604, constituting an unauthorized data breach under the GLBA and FTC Safeguards Rule.

Please provide the following within XXXX days : Verification and supporting documentation for each disputed tradeline ; Confirmation that all unverifiable, inaccurate, or obsolete information has been deleted ; A new, corrected copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation