vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TN

Complaint narrative:
Under the Fair Credit Reporting Act ( 15U.S.C. & 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. {$1600.00}, you have the right to to dispute any account that is Not directly tied to a signed agreement, Has been sold or transferred without my consent, Or is being reported by a 3rd-party I have not never Contacted with being challenged as fraudulent Re- Aging the date of First Delinquency ( DOFD ) Violation FCRA & 1681 c ( b ), Metro 2 Guidelines Re-aging Debt is illegal Act of changing one delinquency date to make information receive longer than 7years Negative Debts preventing Consumer from obtaining any credit,.

Past 7years, Identity-Theft debt, Not even my Debt at all.

15U.S.C.1681-2 ( a ) T ( B ) Furnishers in a timely and reasonable manner of information must not be reported Inaccurate information if unknown accurate been satisfied.

15U.S.C. & 1681 ( a ) 7 ( A ) -Failure to reinvesting Inaccurate information 15U.S.C. & 1681 ( e ) ( b ) -Failure to maintain reasonable procedures to ensure maximum possible accuracy.

willful intentionally Repeatedly Reporting Same-Debts under different Companies name but is Same debt with consent Government debt Student loans thats Private Personal-information protected under the Federal Law. No Consent to reporting or agreement or contract nor to reporting Debt..

I never herd of Companys nor had a debt or signed contract or signed agreement with this company Data Breach Identity-Theft settlement failure to disclose as a Claimant Claim of Data Breach from Credit Reporting Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
These accounts are erroneously reported and must be deleted within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint to dispute the inaccurate late payment reporting on the account XXXX XXXX ( Acct. ending XXXX XXXX XXXX XXXX XXXX XXXX, which reflects a balance of {$930.00}, opened on XX/XX/XXXX, with a last payment reported on XX/XX/XXXX. The reported late payment is inaccurate and unverifiable, as my payment records show timely activity and no delinquency for the reported period. This misreporting has caused negative impacts to my creditworthiness and score. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to ensure the maximum possible accuracy of all information reported. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits data furnishers from reporting information they know, or have reasonable cause to believe, 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Check Hold by JPMorgan Chase Bank Date : XX/XX/year> Dear CFPB Representative, I am writing to file a formal complaint against JPMorgan Chase Bank, N.A., regarding their handling of a check I deposited into my checking account ( ending in XXXX ) at their XXXX XXXX XXXX XXXX ( Branch # XXXX ). 

On XX/XX/year>, I deposited a {$200.00} check ( transaction # XXXX, business date XX/XX/year> at XXXX XXXX, session # XXXX ) into my account. The receipt stated : Checks within this deposit may not be paid because of information weve received from the paying bank or due to information we have within our own systems. Further review may result in additional deposit availability delay. 

I was informed the funds would not be available until XX/XX/XXXX, XXXXa twelve-day hold. The check in question is from XXXX XXXX XXXXXXXX XXXX and XXXX, issued by XXXX XXXX, and is an official XXXX  XXXX. 

My concerns are as follows : The reason provided for the hold is vague and lacks merit, especially considering my history of immediately available funds for similar state and federal checks deposited both in-branch and via mobile. 

I live in supportive housing for persons with XXXX  XXXX and have no income except for a small amount of monthly temporary assistance. 

This extended hold is causing me significant financial hardship. 

I believe the hold is retaliatory, discrimination-based, and excessive, as previous deposits from the same source and even for larger amounts were made available without issue. 

The bank failed to release even a portion of the funds, which is typical practice, and the claim that the delay is for my protection appears unfounded. 

I called many times to ask for expeditation of the check, seeing as though the day I deposited the check in the branch and showed my XXXX ID, I called and spoke to an agent, and he said to give it one business day and call back, and they can release it to me. All the other calls have been almost every day since that day. I've been given other excuses, and again, it's for my " protection '' against fraud. Also, every time I call Chase and put my account number in and pin, I am directly routed to the Fraud Department- the only fraud here is 1. XXXX XXXX, as a bank, as we all know, and 2. Chase Bank for their withholding of people 's money and breaking the spirit of the Regulation CC and other laws that govern how a bank handles a check made out to you, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Inaccurate and inconsistent reporting across credit bureaus ; failure to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) and to properly reinvestigate ( 611, 15 U.S.C. 1681i ).

Facts from my reports ( same tradeline ) : Ac
count number shows three different values : XXXXXXXX XXXX  Account status is reported both Open and Paid. 
XXXXXXXX XXXX XXXXXXXX opened reported as XX/XX/XXXX and XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX reported as 84 months and 0 months. 
XXXXXXXX XXXX XXXXXXXX reported date shown as XX/XX/XXXX and XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX last active / last payment both appear as XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXwo-year payment history lists only XXXX & XXXX, inconsistent with the other dates.

These contradictions create an inaccurate tradeline and can adversely affect credit decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
In XX/XX/year> I accepted a loan of XXXX usd and the interest I seen at time of accepting was around 15percent. Now checking my loan agreement I see that the interest rate is 568 percent. They are asking me to pay XXXX dollars for a XXXX dollar loan.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this statement to dispute several inaccurate charge-off accounts and inquiries appearing on my credit report. The following accounts are being reported as charge-offs but contain inaccurate or unverifiable information regarding dates, payment history, or balances : XXXX  XXXX ( Acct. ending XXXXXXXX XXXX XXXX, Balance {$600.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$1400.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$2000.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX XXXX  ( Accts. ending XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX, Balances {$8100.00} and {$10000.00} ) ; XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$300.00} ) ; and XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$1800.00} ). * * Additionally, the following inquiries are included in dispute : XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). These inquiries appear without permissible purpose or proper authorization, which may constitute a violation of FCRA 604 [ 15 U.S.C. 1681b ], governing the permissible purposes of consumer reports.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies and furnishers are required to maintain the maximum possible accuracy of reported information. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], data furnishers must not report information they know or have reasonable cause to believe 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this statement to dispute several inaccurate charge-off accounts and inquiries appearing on my credit report. The following accounts are being reported as charge-offs but contain inaccurate or unverifiable information regarding dates, payment history, or balances : XXXX  XXXX ( Acct. ending XXXXXXXX XXXX XXXX, Balance {$600.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$1400.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$2000.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX XXXX  ( Accts. ending XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX, Balances {$8100.00} and {$10000.00} ) ; XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$300.00} ) ; and XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$1800.00} ). * * Additionally, the following inquiries are included in dispute : XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). These inquiries appear without permissible purpose or proper authorization, which may constitute a violation of FCRA 604 [ 15 U.S.C. 1681b ], governing the permissible purposes of consumer reports.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies and furnishers are required to maintain the maximum possible accuracy of reported information. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], data furnishers must not report information they know or have reasonable cause to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not connected to these accountsplease ensure their deletion within 15 days as outlined in USC 1681g.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to make it known that I have fallen victim to identity theft and discovered several inquiries on my XXXX  report that do not belong to me. These fraudulent and unauthorized inquiries are causing me much hardship as they are hindering my ability to obtain new credit. This serves as a formal notice that I have been a victim of identity theft, and my personal information was compromised in the XXXX  data breach. As a result, fraudulent inquiries have been in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint to dispute the inaccurate late payment reporting on the account XXXX XXXX ( Acct. ending XXXX XXXX XXXX XXXX XXXX XXXX, which reflects a balance of {$930.00}, opened on XX/XX/XXXX, with a last payment reported on XX/XX/XXXX. The reported late payment is inaccurate and unverifiable, as my payment records show timely activity and no delinquency for the reported period. This misreporting has caused negative impacts to my creditworthiness and score. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to ensure the maximum possible accuracy of all information reported. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits data furnishers from reporting information they know, or have reasonable cause to believe, 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the inaccurate and obsolete information appearing on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Several addresses listed are not accurate or verifiable as my current or previous residences, including 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. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must maintain maximum possible accuracy in consumer reports, and these unverifiable addresses create potential mixed-file errors and identity risk.

Additionally, several charge-off accounts are reported inaccurately or in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only complete and accurate information. The following accounts must be investigated for accuracy and validation : XXXX XXXX XXXX  ( Balance {$0.00} ), XXXX/XXXX  ( Balance {$1100.00} ), XXXX XXXX  ( Balance {$1300.00} ), XXXX ( XXXX {$900.00} ), XXXX XXXX  ( Balance {$3800.00} ), XXXX XXXX  ( Balance {$770.00} ), XXXX  ( Balance {$10000.00} )XXXX XXXX XXXX ( Balance {$0.00} ), and XXXX XXXXXXXX ( Balance {$0.00} ). Accounts with a {$0.00} balance should not continue to report as charge-offs, as this misrepresents my payment status and violates FCRA 605 ( a ), which prohibits outdated and misleading information from being reported.

In addition, the reported collections from XXXX XXXX  ( Original Creditor : XXXX XXXX. ) and XXXX XXXX ( Original Creditor : XXXX XXXX  ) appear to lack proper verification of ownership, balance, and validation of the original debt. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or unverifiable information, and under FCRA 623 ( b ), furnishers are required to conduct a reasonable investigation upon notice of dispute.

Lastly, I am disputing the following unauthorized or questionable inquiries that may have been the result of identity-related issues : XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Under FCRA 604 ( a ) ( 3 ), no inquiry should be made without a permissible purpose, and any inquiry not authorized by me should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the inaccurate and obsolete information appearing on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Several addresses listed are not accurate or verifiable as my current or previous residences, including 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. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must maintain maximum possible accuracy in consumer reports, and these unverifiable addresses create potential mixed-file errors and identity risk.

Additionally, several charge-off accounts are reported inaccurately or in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only complete and accurate information. The following accounts must be investigated for accuracy and validation : XXXX XXXX XXXX  ( Balance {$0.00} ), XXXX/XXXX  ( Balance {$1100.00} ), XXXX XXXX  ( Balance {$1300.00} ), XXXX ( XXXX {$900.00} ), XXXX XXXX  ( Balance {$3800.00} ), XXXX XXXX  ( Balance {$770.00} ), XXXX  ( Balance {$10000.00} )XXXX XXXX XXXX ( Balance {$0.00} ), and XXXX XXXXXXXX ( Balance {$0.00} ). Accounts with a {$0.00} balance should not continue to report as charge-offs, as this misrepresents my payment status and violates FCRA 605 ( a ), which prohibits outdated and misleading information from being reported.

In addition, the reported collections from XXXX XXXX  ( Original Creditor : XXXX XXXX. ) and XXXX XXXX ( Original Creditor : XXXX XXXX  ) appear to lack proper verification of ownership, balance, and validation of the original debt. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or unverifiable information, and under FCRA 623 ( b ), furnishers are required to conduct a reasonable investigation upon notice of dispute.

Lastly, I am disputing the following unauthorized or questionable inquiries that may have been the result of identity-related issues : XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Under FCRA 604 ( a ) ( 3 ), no inquiry should be made without a permissible purpose, and any inquiry not authorized by me should be deleted immediately.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am filing this complaint because Discover Bank closed my billing dispute regarding a short-term rental transaction with XXXX XXXX XXXX without conducting a reasonable investigation or addressing the core issues of habitability and misrepresentation. 

I rented a property in Louisiana that was not in the condition advertised. During my stay, the property experienced several habitability failures, including a non-functioning HVAC system, a leaking ceiling, and a leaking kitchen sink. The HVAC was repaired the next day after I reported it ; however, the leaking ceiling and sink were never addressed. XXXX acknowledged these issues and stated that a plumber would be sent to the property, but no plumber ever arrived during my stay. 

XXXX later confirmed in writing that would contact the property owner about the issues and indicated that a partial refund was being considered. Despite my submission of documentation showing these communications and the merchants admission of unresolved issues, Discover denied my dispute solely because I stayed at the property. 

This decision disregards both federal lawspecifically the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires a reasonable and good-faith investigation of billing disputesand Louisiana Civil Code Articles 26962699, which mandate that leased properties remain safe and fit for habitation. The fact that I remained in the property while waiting for promised repairs does not eliminate the merchants breach of contract or Discovers obligation to conduct a fair and complete investigation.

Company response to consumer: Closed with explanation