vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: IL

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 2025-11-24 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:
The current documentation reflects inaccuracies regarding my financial standing. I request a review and suitable correction.

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 2025-11-24 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 disputing the following items because Experian is reporting accounts and inquiries that contain inaccurate, unverifiable, or incomplete information. I am asking Experian to investigate and correct my report under FCRA guidelines. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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: GA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-24 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: VA

Complaint narrative:
I am disputing the following accounts because they appear to contain incorrect, incomplete, or unverifiable information. Please conduct a full investigation and remove or correct anything that can not be fully proven according to FCRA standards. 

CHARGED-OFF / NEGATIVE ACCOUNTS UNDER DISPUTE XXXX  XXXX Bankruptcy, Acct : XXXX, XXXX XXXX XX/XX/XXXX, XXXX : {$0.00} XXXX, Acct : XXXX, XXXX XXXX XXXXXX/XX/XXXX, Bal : {$0.00} XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Bal : {$0.00} INQUIRIES ( No disputed inquiries listed ) POSITIVE ACCOUNTS ( NO DISPUTE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LATE PAYMENT REPORTING UNDER DISPUTE XXXX  XXXX Acct : XXXX reporting inaccurate late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX is held in a XXXX  account because of an over XXXX limit before verifying your identity has to occur I verified my identity since then and have been told d that the funds will be released to me in 180 days it's been 5 years since I, ve been told that and nothing have happened from the XXXX  acct XXXX team I have put in s we veral support tickets and dispute and nothing have when I try to use the card at ATM it give me error code of XXXX meaning that the funds is held in an loss reserve account I submitted complaint with the federal reserve and the fdic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase advertises their Ultimate Rewards points on their Chase Sapphire Preferred product as being worth XXXX cents per point when redeemed on the Chase travel portaXXXX until XX/XX/XXXX, when the points are earned before XX/XX/XXXX. 

I combined ( earned ) points on XX/XX/XXXX and used them to book two travel reservations on XX/XX/XXXX and XXXX, XXXX. These reservations were charged incorrectly at XXXX cent per point for either part or all of the total. This was a known issue on Chase 's end, and their official account on XXXX posted a notice regarding this issue XXXX XXXX XXXX XXXX XXXX 

I have reached out to Chase multiple times via phone and secure message from XX/XX/XXXX to XX/XX/XXXX. I either get a rep that understands my concern and files a " marketing ticket '' for me which does not get a response, or a rep that has no knowledge and gives me misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the accounts and information listed below because they contain inaccurate, incomplete, or unverifiable reporting. I am requesting a full reinvestigation in compliance with the FCRA, including verification of all data being reported. 

CHARGED OFF EQUIFAX DEPTEDXXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$1100.00} DEPTEDXXXX  Acct : XXXX, Date : XX/XX/year>, Balance : {$1500.00} LATE PAYMENTS EQUIFAX I am disputing late payment reporting on the following accounts as they are not accurate and can not be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One does a very poor job of distinguishing between minimum payments and statement balances that are due. I made a partial payment on my statement. When I went back a few days later to see what the remainder payment was, it said that there was no payment required. It didn't say no minimum payment required and show me the rest of the statement balance, it just said no payment required. When I called Capital One ( multiple times ) they told me that the solution was to click into the make payment button. But this solution doesn't make any sense since they're telling me that there is no payment required. Additionally, they wouldn't give me a curtesy credit even though all 6 people that I spoke to agreed that this was incomplete information. Additionally, when you call customer service, the automated voice tell you that you have a payment due of $ XXXX. But what they should actually be telling you is that you have a minimum payment due. They are misrepresenting the payments that are due and capitalizing on fees thereafter without taking actions to mitigate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am disputing a collection account being reported by National Credit Adjusters , L.L.C. I do not recognize this debt and do not believe it belongs to me. 
The account appeared on my XXXX  credit report with a reported balance of {$1500.00} and an opened date of XX/XX/year>. I have never received any validation, contract, statements, or communication proving that I owe this debt. 
I am requesting that the furnisher provide full validation, including the original creditor, proof of ownership, itemized charges, and any signed agreement. If they can not validate the debt, I am requesting that it be removed from my credit reports as required under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing multiple fraudulent charge-offs appearing on my credit files with Experian, Equifax, and TransUnion. These accounts are not mine and clearly belong to other individuals with similar names. The reporting across all bureaus is inconsistent, inaccurate, and violates multiple provisions of the FCRA. 

XXXX XXXX # XXXX Experian shows {$550.00} past due, Equifax {$700.00}, TransUnion {$490.00}. Equifax reports it was closed by the consumer, Experian claims closure due to inactivity, and TransUnion reports a different balance entirely. This demonstrates clear Mixed File / Wrong Person errors. 

XXXX XXXX Bank # XXXX Balances reported are conflicting : Experian {$700.00}, TransUnion {$640.00}, Equifax {$970.00} under a different account number. This account is reported as a charge-off without my authorization and I have no knowledge of this account. 

TILT # XXXXXXXX XXXX XXXX Reported as a charge-off on all three bureaus with balances of {$200.00} ( TransUnion ), {$220.00} ( Experian ), {$200.00} ( Equifax ) XXXX and inconsistent account numbers. This demonstrates fraudulent reporting, unauthorized furnishing, and gross negligence in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following accounts reporting on my Experian credit file that do not belong to me : XXXX XXXX XXXX XXXX # CLXXXX {$3500.00} XXXX XXXX XXXX # XXXX {$12000.00} XXXX / XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX {$5500.00} XXXX XXXX # XXXX {$240.00} These accounts are charge-offs that are factually incorrect, and I have never authorized or held any of them. They clearly belong to someone else with the same or similar name. Recent precedent where consumers prevailed under similar circumstances includes XXXX v. TransUnion and XXXX v. Experian.

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 2025-11-24 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint Mortgage also Known as New Rez purposely caused delays resulting in financial harm for our family while dealing with an insurance claim. They requested numerous inspections when they realized that our insurance company XXXX still owed us money. They marked the job at 80 % -85 % complete 6 months ago and sat on the money, requested another inspection and billed us for it and then said the job was 60 % complete. Things started getting really weird when they were communicating with XXXX and we decided to ask for proof that our money was in an escrow account instead of sitting somewhere gaining interest with another pot of money ( which we suspect is the truth and is illegal ). Then when I copied our litigation lawyer on the email and confessed our suspicions with them, they sent us all the money. Since this is our mortgage company, we need to see evidence of each month our money sat in escrow since they held it for nearly a year. If these request go ignored, we plan to take further action.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-11-24 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 a consumer working to correct inaccurate and unverifiable information being reported on my credit file. I am requesting a full reinvestigation of the accounts and inquiries listed below. Any item that can not be fully verified according to the FCRA and Metro 2 standards should be updated or deleted. 
Charged-Off Accounts ( No charged-off accounts listed ) Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/year>

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 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute these due to inconsistent reporting across bureaus, inaccurate dates, balances listed as zero but still marked delinquent, duplicate tradelines, and 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