vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$370.00}. Please verify and provide the correct status for this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$100.00}. Please verify and provide the correct status for this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$16.00}. Please verify and provide the correct status for this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$80.00}. Please verify and provide the correct status for this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1000.00}. Please verify and provide the correct status for this account. 

Inquiries : XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

Late Payments : XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and provide the corrected status.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I completed a application for a credit card from Citi Bank AAvantage Platinum Select in XX/XX/XXXX. My application # XXXX They said there was a problem with the accuracy of the credit application. When I was denied - which I only found out about because I called- I never received specific information about what is wrong. I have always had top credit ratings over XXXX. I called my bank and they ran a credit check and could not find anything wrong with any information listed with XXXX XXXX. My current rating is XXXX. They will issue me a credit card - even if they did not know me! Citi send me a letter XX/XX/XXXX and said they denied me because they were unable to verify some information on my application. What information? I don't care if I ever do business with Citi. I do care about my credit rating so what specific information needs fixing?

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 2025-10-31 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:
I am writing to dispute several accounts reported inaccurately across my credit reports, as outlined below. These accounts are in dispute due to the following reasons : inaccurate reporting of charged-off accounts, inquiries that were not authorized, and late payments which were either reported incorrectly or are not reflective of my true payment history. Please review the information and correct the discrepancies. 

XXXX : XXXX, XX/XX/XXXX, {$340.00} XXXX : XXXX, XX/XX/XXXX, {$270.00} XXXX XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$380.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$1300.00} LATE PAYMENTS XXXX  XXXX : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX  : XXXX XXXX  : XXXX, XX/XX/XXXX, {$340.00} XXXX : XXXX, XX/XX/XXXX, {$270.00} XXXX XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$380.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$1300.00}

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 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: MN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1500.00} I dispute these charged-off accounts. Please verify with the creditors and remove any accounts that can not be fully validated. 

Inquiries XXXX XXXX  Date : XX/XX/XXXX I dispute this inquiry. Please verify whether it was authorized and remove it if it can not be validated. 

Late Payments No late payments currently listed for dispute.

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 2025-10-31 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: FL

Complaint narrative:
Bank or Company Name : Chase Bank Type of Account : Debit Card Issue Type : Unauthorized/Fraudulent Charges Complaint Narrative : I am formally escalating a dispute regarding unauthorized charges on my Chase debit card. These charges were multiple in-app purchases of {$100.00} or more, which I did not authorize. ( Starting from XX/XX/XXXX ) Despite reporting these fraudulent transactions promptly on [ insert date ], Chase has denied my claim, stating there was no fraud, without providing a clear explanation or supporting evidence. This resolution is unacceptable. 

I am requesting immediate action, including : 1. Full reversal of all unauthorized charges.

2. A thorough review of Chases investigation and an explanation of why my claim was denied.

3. Assurance that my account has been secured to prevent any further unauthorized transactions.

Chases handling of this matter appears inconsistent with federal consumer protections for debit card fraud. I am requesting that this dispute be reopened at the executive level and resolved promptly.

Failure to address these unauthorized charges may result in further escalation to federal regulatory authorities, including the CFPB, and other legal remedies available to me.

I expect a written response confirming that my case is under executive review and detailing the next steps to resolution.

Thank you for your immediate attention to this matter. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
Somebody compromised my account and stole money, and bitcoins from me. I DID NOT APPROVE ANYBODY TO MAKE THOSE TRANSACTIONS! With other banks I have had when something like this happened I was refunded automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged-Off 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 XXXXXX/XX/XXXX Balance : {$5200.00} I dispute the accuracy of these charged-off accounts. Please verify with the creditors and remove any information that can not be fully validated. 

XXXX XXXX XXXX XX/XX/XXXX I dispute the accuracy and authorization of this inquiry. Please verify and remove if it can not be confirmed as authorized. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of these late payments. Please verify with the creditors and remove any unverifiable information.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-31 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: GA

Complaint narrative:
I am submitting this complaint in an effort to dispute inaccurate and incomplete information on my credit report. Please review the following accounts that are being disputed, separated by credit bureau : Charged-Off Accounts Equifax ( EQ ) DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$20000.00} DEPTEDXXXX  Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$6700.00} DEPTEDXXXX  Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$4300.00} Bankruptcy Case # : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Bankruptcy Case # : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Bankruptcy Case # : XXXX XXXX Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$910.00} XXXX XXXXXXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Inquiries Equifax ( EQ ) XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments Equifax ( EQ ) XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CFPB CONSUMER COMPLAINT : FAILURE TO SECURE AND MANAGE PAYMENT DATA Complainant : XXXX XXXX XXXX : The Home Depot Date of Escalation Failure : XX/XX/year> Product Category Suggestion ( for the form ) : Primary Product : Money transfers, virtual currency, or money service Sub-Product/Issue : Other Detailed Description of Complaint ( Paste this into the narrative box ) : I am filing this complaint due to The Home Depot 's systemic failure to secure and manage my personal payment data. My credit card ( XXXX ) is illegally and persistently linked to a third-party XXXX XXXX account belonging to XXXX, XXXX XXXX XXXX due to a systemic data failure originating between XXXX. 

Home Depot 's policy refuses to disconnect my card unless the contractor authorizes it, thus forcing me, the cardholder, to be subject to a third party 's control over my financial data. This policy creates a financial risk and directly violates my right to data security. 

The failure has caused data integrity issues : I lost access to my pre-membership purchase history, and all subsequent transactions ( including those made using my own Pro ID XXXX ) are misfiled under the contractor 's account. 

I escalated to Executive Escalations ( XXXX XXXX XXXX who failed to resolve the security breach by the XX/XX/year> deadline. I demand the immediate deletion of card XXXX from the unauthorized account and transfer of all associated transaction data to my correct XXXX account.

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 2025-10-31 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:
Charged-Off Accounts No charged-off accounts currently listed for dispute. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX INSTALLMENT Date : XX/XX/year> I dispute these inquiries. Please verify whether they were authorized and remove them if they can not be verified. 

Late Payments 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 I dispute these late payment entries and request that Experian verify each account with the creditor. Remove any unverified or inaccurate information.

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 2025-10-31 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:
Charged Off Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$5500.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$330.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$440.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$220.00}. Please verify and provide the correct status for this account. 

XXXX XXXX XXXX XXXX XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$230.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$700.00}. Please verify and provide the correct status for this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1100.00}. Please verify and provide the correct status for this account.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed as accurate, I ask that they be corrected or removed.

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