vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( 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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for I need to know if my debit refund check was already cashed or not because I cant remember if I cashed it or not my SSN is XXXX and my date of birth is XXXX to pull up my closed account to verify if the check was already cashed or not if it wasnt cashed by me I need a new one to be reissued to me or issued or resend to me by urgent and urgently rushed mail with a tracking number because the old one I have is dated XX/XX/year> and it passed and expire 180 days for {$34.00} and it currently half teared ripped apart off a little bit I need it to be mailed and ship to me at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX etc update I need this complaint to be review and investigate and assigned to a new better helpful investigator because the last agent who was assigned didnt want to help me or understand what I was saying or understanding what he or she was doing I have called in to yall support team at XXXX two times and agent told me it will be automatically replace with a new replacement check send out to me by mail but I didnt get the email from yall about the replacement check being send out and process and update on it by email to XXXX she claim I would get but never did get it and and when I called back in to ask for a update this guy told me my request was send to the back office for process and I will get the email so please help me and send me my replacement check to me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and let me know how much will I get by the check for the amount etc. Update I have called in and they have to put in a new request for my replacement check so please process it and send it to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and contact email is XXXX and my support call reference number is Reference number XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Who youre complaining about : JPMorgan Chase Bank , N.A . 

What happened : On XX/XX/year>, I endorsed a legitimate check payable to me in the amount of {$5400.00} and had it deposited into a family friends Chase account. Chase placed a 10-day hold. On XX/XX/year>, the day the hold was supposed to clear, Chase instead froze the funds and closed the account. They stated they needed to verify my identity as the payee, but would only allow verification through a third-party automated phone system that requires my phone number to appear in public records under my name. 

Because I previously used a prepaid phone, Chases system did not recognize my number. To comply, I opened a postpaid XXXX account under my legal name and SSN. Over the following XXXX  months, I repeatedly contacted both Chase and XXXX, updated caller ID settings, allowed data sharing, and ensured my phone number was properly registered. Despite doing everything Chase instructed, their system still does not recognize my number, and they refuse to provide any other method of identity verification. 

Every time I called Chase, I received a different explanation or no clear guidance at all. I repeatedly requested alternative methods such as in-person branch ID verification, document submission, or even three-way calls with XXXX to confirm I own the line but Chase refused every option . I also offered to have the business that issued me the check verify its legitimacy, or have the issuing bank confirm it was valid and paid. Chase refused all of these options as well. 

Chase will not release the funds, will not verify me through any reasonable method, and will not return the check to the issuing bank so it can be reissued. They continue to insist that only their flawed automated phone-matching system can be used, even though I have fully complied and months have passed with no progress. 

This situation has caused significant hardship. I am the rightful payee of the check, and the money legally belongs to me. I have exhausted every option Chase provided, and they still refuse to offer any path forward. In researching this issue, I discovered that thousands of other consumers have experienced the same problem with Chases verification system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: AR

Complaint narrative:
I am filing a complaint against Global Lending Services for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to an involuntary repossession account being inaccurately furnished on my credit report.

I previously disputed this account and submitted a Cease & Desist notice to the furnisher. Despite this, Global Lending Services continued updating and altering the account, which is a violation of 623 ( a ) ( 3 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ).

Major Violations : The account was reported with an updated date of XX/XX/XXXX, even though the repossession occurred in XXXX. This is unlawful re-aging, which is prohibited under FCRA 623 ( a ) ( 5 ). 

Global Lending Services recently removed remarks from the account ( as shown on XXXX and XXXX  alerts ). Removing remarks AFTER a dispute and Ce

ase & Desist proves the previous information was incorrect and improperly furnished. This is evidence they knowingly furnished inaccurate or incomplete information. The balance reported ( {$5700.00} ) is inaccurate. My GAP insurance was canceled by Global Lending for reasons never explained, even though the vehicle was totaled at the time of repossession. If GAP coverage had been applied correctly, the remaining balance should have been significantly reduced or eliminated.

Global Lending continued furnishing and updating the account AFTER receiving a dispute and AFTER receiving a Cease & Desist, which is prohibited conduct under FCRA 623 ( a ) ( 3 ) and 623 ( a ) ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: FL

Complaint narrative:
I wasn't aware of who the loan servicer was. I never received a letter. I found out when it got kicked back to the dept. Of ed. When I contacted them they wouldn't work with me or take it of my credit report. If I knew I owed them I would of paid right when I received the first letter. They also told me the letters got kicked back to them. How was I supposed to know who or what I owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries and incorrect personal information reported on my Experian credit report. These inquiries were made without my consent and violate federal and South Carolina law. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Incorrect Personal Information on File : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( Incorrect ) XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX Incorrect XXXX Correct Information XXXX Name : [ Your Correct Full Name ] Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Legal Basis : Federal Law : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), grants consumers the right to dispute inaccurate or unauthorized information and requires credit reporting agencies to investigate and correct errors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. prohibits unauthorized access to consumer credit information and protects against deceptive practices.

FTC Report : I have filed a report with the Federal Trade Commission documenting these unauthorized inquiries. FTC Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am writing to emphasize that this complaint is not made in error. My credit report contains inaccuracies that have not been verified for accuracy. These errors are significantly impacting me in adverse ways, and I am experiencing considerable distress as a result. It would be greatly appreciated if these inaccuracies could 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXXI am filing this complaint against Kia Finance (Hyundai XXXX XXXX XXXX Kia Motors Finance) regarding their complete failure to respond to multiple written requests to properly apply overpayments to my auto loan principal and to update my account settings for future extra payments.XXXXDespite sending three emails to customer service at XXXX on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as well as a certified letter mailed on XXXX XXXX XXXX XXXXwith delivery confirmation), I have received XXXXno response whatsoever**. My requests were clear: to have all past overpayments reallocated to reduce the principal (instead of being held as paid ahead or in suspense and advancing my due date) and to set my account so that all future extra payments are applied directly to principal onlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Ive reached out to Wells Fargo support and they closed my account for NO reason, they can not give me a specific reason why they closed my checkings account and business account, I tried to go in and reopen and they said I was not allowed to and could not give me a reason why

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 2025-11-20 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: VA

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 non-monetary relief
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-20 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-20 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:
I am submitting this CFPB complaint because Experian is reporting items that I believe are inaccurate, incomplete, or unverifiable. I am requesting a full reinvestigation under the FCRA. 

Experian is not reporting any charged-off accounts for this dispute, but I request confirmation that no inaccurate charge-off information exists on my file. 

I am disputing the accuracy and authorization of the following Experian inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify whether these inquiries were legitimately authorized. If Experian can not provide proper documentation proving my consent, I request their removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payment entries appear inaccurate or incomplete. I request validation from the original creditors or removal if the information can not be verified. 

Thank you for your time and for reinvestigating these concerns as required 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 2025-11-20 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: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on two accounts. Experian is currently showing several late payments that are entirely false. These payments were made on time, yet the incorrect reporting remains and is negatively affecting my credit score.

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