vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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 2025-11-21 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: UT

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) -BK OF XXXX # * * * *, XXXX ) -BK OF XXXX # * * * *, XXXX ) -BK OF XXXX # * * * *, that remain unverified despite formal disputes, causing significant harm to my XXXX XXXX and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt XXXX and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-11-21 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: NY

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> Chase levied 3 separate cash advance fees in the amount of {$15.00} each along with immediate interest on purchases of merchandise that I made on aliexpress.com using paypal in combination with my chase business credit card. Multiple purchases I had made in the past of the same and similar items from the same vendor had never been charged as cash advances, but for reasons never communicated to me, on XX/XX/year> all 3 seaprate merchandise purchases made were treated as cash advances and resulted in cash advance fees and interest.

I had tried using secure message to request that Chase investigate these charges, correctly classify them as merchandise purchases instead of cash advances, and waive any incorrectly classified cash advance fees and interest. I also submitted to Chase my order information of the merchandise purcahsed to show that they were not cash advance or cash like purchases. My initial request for consideration was denied. I used secure message to request escalation and the reply suggested me to call Chase. 

On XX/XX/year>, I called Chase customer support and my request to have the purchases reclassified as merchandise purchases and request to have cash advance fees and interest fees waived were denied once by the initial customer support, and again by a supervisor after I requested escalation of the unjustified charges to a supervisor. 

The consumer has no control over how the merchants classify the purchases that are made. If a vendor chooses to classify it either erroneously or fraudulently as a cash advance, the consumer is faced with high fees and interest charges. This should be illegal if not corrected - there are parties reaping profit on unjustified fees at the expense of the unsuspecting consumer who was inadequately warned of such fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
My personal information was exposed in the XXXX XXXX data breach. As a result, unauthorized and fraudulent accounts/collections appeared on my credit report. I did not open or authorize these accounts. This is causing serious harm to my credit score I have disputed the accounts and requested validation, but the credit bureaus and furnishers continue reporting inaccurate information. This is harming my credit score and preventing me from being approved credit. I am a victim of identity theft, and I need this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
I am filing this complaint because TransUnion is reporting numerous accounts and a late payment that I believe are inaccurate or unverified. My disputes with TransUnion have not resulted in proper validation. 

CHARGED-OFF / COLLECTION ACCOUNTS Dept. of Education / AIDV Multiple accounts ( XXXX, XXXX ) Balances 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 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  TransUnion has not provided documentation confirming ownership, balance accuracy, or complete reporting for these accounts. 

XXXX XXXX XXXX XXXX  Acct : XXXX This late payment remains unverified and I have not received supporting documentation. 

There are no inquiries under dispute with TransUnion. 

I request that TransUnion validate all disputed items or remove them if they can not verify their accuracy under the FCRA.

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 2025-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
On XX/XX/year>, Climb Credit sent me a debt validation letter ( attached, XXXX pages ) demanding payment on private student loan XXXX XXXXXXXX. 

This is continued collection activity despite my active disputes because : - XXXX ( the school ) promised in writing ( XX/XX/year> ) that Spanish subtitles would be added to the course. 
XXXX XXXX  employee XXXX admitted on XX/XX/year> : " It was discussed but not delivered. '' - I am a native Spanish speaker and the course was 100 % in XXXX completely inaccessible. 
- Climb Credit is the current holder and is fully liable under the FTC Holder in Due Course Rule for the school 's misrepresentation.

Active complaints : - Previous CFPB complaint ( closed with explanation, feedback submitted ) - Texas Attorney General active investigation- XXXX XXXX XXXX XXXXXXXX I have repeatedly demanded full cancellation and cease of collection in writing. 
Climb Credit continues to ignore my dispute and demand payment. 

Requested resolution : 1. Full cancellation of loan XXXX XXXXXXXX ( {$12000.00} ) 2. Immediate cease of all collection activity 3. Confirmation in writing XXXX XXXX XXXX XXXX ( text only )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WI

Complaint narrative:
Re Widespread, Systematic Violations by Chase of XXXX  Chase Bank does not accept documentation from the consumer when a consumer contacts them with initial dispute over an electronic funds transfer payment. 

If the merchant contacts Chase with documentation, the claim is then closed and the customer has to reopen it. The reassertion of the claim is the first opportunity the consumer has to present documentation A widespread violation is occurring at chase because the staff is trained " investigate '' to by confirming the company has provided documentation and assert an arbitrary reason for not reopening the claim e.g questioning something innocuous in the consumer response Claims are almost never reopened. The consumer has an insurmountable, absurd burden of proof in refuting even the most fraudulent company documentation due lack of staff training. 

Many companies require consumers to sign paperwork saying they received or reviewed something. The XXXX is intended to protect in situations where the consumer can prove they received nothing of value The first question on reassertion is whether the consumer received nothing and can provide proof This investigations in furtherance of the XXXX are not in compliance with the law I was required to sign to get my car keys back from a repair shop without seeing my car. My car had not been touched. I provided proof from XXXX and another dealeo work had occurred and I had been defrauded I was told by Chase s

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am filing this complaint because TransUnion is reporting information that I believe is inaccurate or unverified. My disputes with TransUnion have not resulted in proper validation. 

CHARGED-OFF / COLLECTION ACCOUNTS XXXX Acct : XXXX Balance : XXXX XXXX  Acct : XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/year> Balance : XXXX These accounts have not been validated for ownership, balance accuracy, or reporting completeness. 

LATE PAYMENTS XXXX  XXXX Auto Acct : XXXX DeptEd / XXXX  Accts : XXXX and XXXX I have not received documentation supporting these late payments. 

There are no inquiries in dispute with TransUnion. 

I request that TransUnion validate these items or remove them if they can not be verified under the FCRA.

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 2025-11-21 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This account reporting on my credit report is not mine and it was REINSERTED onto my credit report. I WAS NOT notified in writing within five business days of the reinsertion. I have no knowledge of the debt and never signed a written contract agreeing to do business with XXXX XXXX XXXX  XXXX AND CAINE AND WEINER. I RECENTLY WENT TO FILE A POLICE REPORT PER MY ATTORNEY TO PROVE THIS IS NOT MY ACCOUNT I am REVOKING all their rights to communicate with me via email, texts, or calls. They did not send me written documentation informing me of proof that this account is mine within 5 days of reinserting the account on my credit. Failure to comply with the FCRA can result in lawsuits for actual damages, attorney 's fees, and even punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: CA

Complaint narrative:
I received a collection letter for this alleged XXXX account. I mailed a written request for validation to Credit Control LLC on XX/XX/year>. XXXX tracking shows my letter was delivered on XX/XX/year>. Under the FDCPA ( 15 U.S.C. 1692g ( b ) ), the collector must stop all collection activity and provide validation before continuing. They did not provide any validation or the required information. I did not receive an itemized breakdown, proof they own or were assigned the debt, or verification that I am the correct consumer. I am requesting the CFPB to require the company to send full validation or cease collection and remove any related reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a goodwill adjustment on my Exeter Finance account, due to an unforeseen and severe hardship resulting from a car accident. This accident led to significant financial strain, including medical bills, loss of transportation, and interruption to my ability to maintain regular payments.

Because of this unexpected crisis, my credit has suffered a substantial drop, which is now preventing me from being able to secure a replacement vehicle. This has made it extremely difficult for me to meet my daily obligations, including work and family responsibilities.

I take my financial commitments seriously, and prior to this hardship, I maintained my obligations responsibly. I am not disputing the validity of the debt ; instead, I am kindly asking for your goodwill consideration in removing or updating the negative credit reporting associated with this account, given the circumstances that were outside of my control.

A goodwill adjustment from Exeter Finance would help me rebuild my credit and move forward after the accident. I understand that this request is at your discretion, and I sincerely appreciate your time and consideration.

Please let me know if you require any supporting documents regarding the accident or financial hardship. I am more than willing to provide them.

Thank you for your understanding and assistance during this difficult time. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am submitting this complaint because the following accounts are not mine and are being reported incorrectly on my credit reports. I never opened these accounts, have no knowledge of them, and they belong to someone else with the same or similar name. This is a clear case of mixed-file errors, identity confusion, and factual inaccuracies, which courts and regulators have recognized as legally actionable. 

XXXX Charge Off Account # XXXX Balance : {$1800.00}. Reporting on Equifax, Experian, and TransUnion. This account is NOT MINE, I never authorized it, and it is being reported under my name incorrectly. The bureaus have failed to provide any signed application, full SSN match, or verifiable documentation linking this account to me. 

XXXX XXXX  Account # XXXX Balance : {$15000.00}. Reporting on TransUnion and Equifax. This account is NOT MINE, I have no knowledge of it, and it belongs to someone else with the same or similar name. The account numbers and balances are inconsistent and factually incorrect.

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 2025-11-21 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: LA

Complaint narrative:
I am submitting this complaint because Experian is reporting a large number of accounts that I believe are inaccurate, incomplete, or unverified. I have disputed these directly with Experian, but they continue to appear without proper documentation. 

CHARGED-OFF / COLLECTION ACCOUNTS XXXX Acct : XXXX Balance : XXXX XXXX  Acct : XXXX Balance XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Balance : XXXX XXXX Acct : XXXX Balance : XXXX XXXX Acct : XXXX Balance : XXXX XXXX  Acct : XXXX Balance : XXXX XXXX XXXX  Acct : XXXX Balance : XXXX XXXX XXXX XXXX Multiple accounts ( XXXX, XXXX, XXXX, XXXX ) Various balances XXXX XXXX Multiple accounts ( XXXX, XXXX XXXX XXXX, XXXX ) XXXX  Acct : XXXX Balance : XXXX XXXX XXXX  Acct : XXXX Balance : XXXX XXXX XXXX Acct : XXXX Balance : XXXX Experian has not provided proof of ownership, balance accuracy, or complete reporting for any of these accounts. 

There are no inquiries under dispute with Experian. 

LATE PAYMENT XXXX XXXX  XXXX Acct : XXXX This late payment remains unverified and lacks supporting documentation. 

I request that Experian validate each disputed account and payment or delete any information they can not verify in accordance with the FCRA.

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 2025-11-21 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX  - Acct # XXXX - Charged off account - CLOSED XXXX  XXXX - Acct # XXXX - Charged off account - CLOSED XXXX  XXXX - Acct # XXXX - Charged off account - CLOSED XXXX - Acct # XXXX - Charged off account - CLOSED

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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