vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
This is not my account and appears as an inaccurate entry on my 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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting an unauthorized hard inquiry that was added to my credit report without my knowledge or permission. The inquiries are from the following companies : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXXXX/XX/XXXX XXXX I did not apply for credit with these companies, and I never gave authorization for them to access my credit report. These inquiries were made without a permissible purpose, as defined under 15 U.S.C. 1681b, and their inclusion violates the Fair Credit Reporting Act ( FCRA ). This dispute is not about account ownership ; it is about unauthorized access to my consumer file. The court ruled that failure to remove unverifiable inquiries constitutes willful noncompliance under 15 U.S.C. 1681n. In reporting of these inquiries, without my consent or verification, is unlawful and harmful to my credit. I demand that these unauthorized inquiries be removed from my credit report immediately and that written confirmation of their deletion be provided once this has been resolved. I expect this issue to be addressed within the timeframe specified 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 explanation
Consumer complaint received 2025-10-22 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: CA

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 explanation
Consumer complaint received 2025-10-23 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
The Amex tradeline shows Account charged off and also Closed at credit grantors request, which are conflicting statuses. If Amex sold/assigned the account, the balance should be {$0.00} and status Transferred/Sold ; if Amex still owns it , the reporting should not show contradictory status language. Prior disputes were verified without documentation of ownership, balance, or DOFD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to XXXX XXXX XXXX XXXX, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since XXXX XXXX XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX XXXX immediate compliance with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XXXX XXXX, my bank unlawfully closed my account after claiming it had sent me a message about a new update involving a partnership with a credit savings company ; I never received any such notification nor gave consent to any changes or to share my account with a third party. The account was closed without proper notice or opportunity to respond, causing significant inconvenience and financial harm ( missed payments, returned items, and fees ). I request an immediate investigation into the circumstances and legal basis for this closure, prompt reinstatement of my account and access to my funds, a written explanation of what communications were allegedly sent and to whom, reimbursement of any fees or losses resulting from the closure, and confirmation that my personal and financial data have not been improperly shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and unauthorized activities on my credit report, which have caused significant distress and potential harm to my financial standing. 

Specifically, the following issues require immediate attention : Incorrect Address Reporting : XXXX XXXX XXXX XXXX, XXXX, GA This address is not associated with me and is being incorrectly reported. 

Incorrect Account Information and Negative Reporting : XXXX XXXX  ( Account XXXX, Opened XX/XX/XXXX, High Credit {$27000.00} ) : Reported as late payment, which is inaccurate. 

XXXX XXXX XXXX ( Account XXXX, Opened XX/XX/XXXX, High Credit {$640.00} ) : Reported as collection, which is inaccurate. 

XXXX XXXX ( Account XXXX, Opened XX/XX/XXXX, High Credit {$3700.00} ) : Reported as late payment, which is inaccurate. 

Unauthorized or Improper Inquiries : The following inquiries appear on my credit report, and I did not authorize them : 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 XXXXXX/XX/XXXX ) These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. The incorrect reporting of addresses, late payments, collections, and unauthorized inquiries has negatively impacted my creditworthiness and has caused undue stress and potential financial harm. 

Requested Action : I request that the CFPB investigate these issues promptly and direct the relevant credit bureaus and reporting entities to : Correct the inaccurate address. 

Remove all incorrect late payments and collections. 

Remove all unauthorized inquiries from my credit report. 

Confirm in writing that these corrections have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, {$8000.00}

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am extremely disappointed with the way Chase has handled this claim. 

The benefit of this card is to reimburse for trip cancellation resulting in an overnight stay. I have submitted all extensive receipts as requested and spent hours on this, over a month ago. The cost of the time to do this, call because the claim was denied saying it was the wrong type of claim, resulted in calling and reopening the claim. It was denied AGAIN for the same reason. I called again asking for the reason, and the representative said they also believe it should go through to be approved. Everything submitted is according to guidelines outlined by Chase benefits. I asked for the adjuster this time to call me so we can see what the issue is and they said they would.

On par with previous times, this did not happen. I received no notification the claim was closed this time, until I logged in this evening for an update. Claim was closed XX/XX/18 due to " duplication ''. There has been no duplication and no other claim submitted. Now, it's been over a month when it could have been resolved in minutes. Initial claim was filed early XXXX. 

XXXX extremely disappointed at the cost of my wasted time and effort. Its been more than the cost of what Im trying to get reimbursed at this time, and I do not understand the challenges from chases perspective. Trip cancellation due to weather, overnight stay over XXXX hours = reimbursement per card benefits. Both reps I spoke to did not deny this over the phone. 

I look forward to calling them one last time and if that is needed, Im sorry this membership is not working out and I would not recommend this card to anyone else. I am surprised such a big company can get away with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am submitting this formal dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the XXXX XXXX student loans appearing on my Equifax report These accounts are no longer valid and should not appear on my credit file for the following reasons : 1. The original XXXX XXXX loan was sold or transferred to a third-party collector, which has already been deleted from both XXXX  and XXXX  after failing to provide proof of ownership or verification of the debt. 
XXXX. Equifax is the only bureau still reporting this account, making its continued inclusion factually inaccurate and inconsistent with verified bureau data, constituting a violation of the FCRAs maximum possible accuracy requirement. 
XXXX. Because the alleged debt has been sold, XXXX XXXX no longer holds a permissible purpose to report this tradeline. The account therefore represents duplicate and unverifiable reporting under federal law.

Violations Under the Fair Credit Reporting Act 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher may not report information known or reasonably believed to be inaccurate. XXXX XXXX continued furnishing of this account after sale violates this section.

1681e ( b ) : Equifax is required to maintain only maximum possible accuracy. Reporting a debt that has been deleted by other bureaus due to lack of verification violates this duty.

1681i ( a ) ( 1 ) ( A ) : Upon receipt of this dispute, Equifax must conduct a reasonable reinvestigation of the disputed account within 30 days.

1681i ( a ) ( 5 ) ( A ) : If information can not be verified or confirmed by the furnisher, Equifax must delete it from the file immediately.

1681s-2 ( b ) ( 1 ) ( BE ) : Once notified of a consumer dispute, the furnisher ( Sallie Mae ) must investigate, correct, or delete inaccurate information.

1681c ( a ) ( 4 ) : Obsolete accounts that are over XXXX years from the date of first delinquency must be permanently removed.

1681n1681o : Establish civil liability for willful or negligent failure to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: HI

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-23 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:
Re : Request for Deletion Inaccurate Reporting of XXXX  Account # XXXX XXXX XXXX  I am disputing the accuracy of the XXXX account ( # XXXX XXXX XXXX XXXX XXXX  ) currently reported on my credit file. After reviewing the information, I found multiple material inaccuracies and contradictions that violate several sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the original investigation took longer than 30 days and resulted in the errors not being corrected, which is a violation of 5 U.S.C. 1681i ( a ).

Conflicting Account Status Experian reports the account as Paid, while TransUnion and Equifax report Derogatory/Charge-Off. This inconsistency violates FCRA 1681e ( b ), which requires bureaus to ensure maximum possible accuracy.

Contradictory Comments TransUnion lists Payment after charge off paid profit and loss, Experian lists Unpaid balance reported as a loss, and Equifax lists Paid charge off. These conflicting statements violate FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ), as they show the data is not verifiable or consistent. 

Inconsistent Dates of Last Payment and Activity TransUnion reports last activity as XX/XX/XXXX, Experian lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. The last payment also varies between XX/XX/XXXX and XX/XX/XXXX. These timeline discrepancies violate FCRA 1681i ( a ) ( 2 ) ( B ) and 1681e ( b ), as the bureaus must ensure accuracy and proper verification during reinvestigation.

Credit Limit Errors TransUnion and Experian show a {$350.00} limit, while Equifax shows {$0.00}. A revolving line of credit can not have both a {$0.00} and {$350.00} limit, constituting inaccurate reporting under FCRA 1681e ( b ).

Contradictory Payment History Experian reports charge-off and late marks while Equifax reports OK ( never late ) for the same months. This inconsistency violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of inaccurate or unverifiable information after reinvestigation.

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