vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase account was hacked by a company that they were selling construction equipment so they sent me over a bill of sale inspection sheet and a purchase order. However, I told him that I would not send any money until merchandise was proven to be placed on a trolley or a truck with a BOL as well asno funds would be released or given until the machinery had got to myself that they recorded my voice got me on a video call as well as hacked into my account and made XXXX XXXX payments XXXX for XXXX the other XXXX never sent any Equipment lied about it then tried to say I stole their equipment, which it was never sent. I went to the bank and let them know that it was a scam. The police told me it was a scam. Report with the XXXX sheriffs with the harden XXXX Police Department as well as the XXXX XXXX XXXX Police Department the bank decline my claim saying that I authorized it. It was a scam from day XXXX theyre very aware of it and not show excessive proof so they let the people keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-21 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:
I am submitting this complaint regarding multiple inaccurate items on my credit reports across TransUnion, Experian, and Equifax. On TransUnion, my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) shows late payments for XX/XX/XXXX ( 90 days ) and XXXX through XX/XX/XXXX ( 120 days ), despite my enrollment in a hardship program that ensured payments would not be reported as late, while the account is also inconsistently listed as Current. TransUnion also reports my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a charge-off with a balance of {$34000.00}, last paid XX/XX/XXXX, despite my active payment arrangement during my employment transition and no notice of charge-off from XXXX. On Experian, my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) similarly reports late payments for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 150 days ), despite my account being Current and fully compliant under a hardship program, creating contradictory and damaging information. On Equifax, my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) lists late payments for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 150 days ) while showing a Current status, and my XXXX XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reported as a collection/charge-off with a {$34000.00} balance, last payment XX/XX/XXXX, despite my ongoing payments and no proper notice of charge-off. These inaccurate and contradictory reports have caused emotional XXXX, higher interest rates, and denials of credit despite my good-faith efforts to comply with hardship arrangements and make timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
Complaint against credit reporting agency ( Equifax ) This CFPB complaint has been filed to the request pursuant to FCRA 650 ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached a copy of FTC identity theft complaint ( a. ) XXXX and ( b ) XXXX as proof of the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple persistent inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which continue to misrepresent my identity, addresses, financial obligations, and creditworthiness in violation of the Fair Credit Reporting Act. My name is incorrectly reported as XXXX XXXX XXXX ( Experian ), XXXX XXXX XXXX ( Experian ), and XXXX XXXX ( TransUnion ), violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). My addresses are also inaccurate, appearing as XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Experian ), XXXX CANTURA MLS CONVERSE, TX XXXX ( Experian ), and XXXXXXXX XXXX XXXX  TX XXXX ( TransUnion ), which similarly violates the same FCRA provisions. Multiple charge-offs are reported without verification, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$25000.00} ( Experian, Equifax, TransUnion ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$22000.00} ( Experian, Equifax, TransUnion ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$8900.00} ( Experian, Equifax ) * *, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ) due to lack of proper verification or supporting documentation. Additionally, several inquiries are appearing without my authorization, including XXXX XXXX XX/XX/year> ( Experian ), XXXX XX/XX/year> ( Equifax ), XXXX XXXX XX/XX/year> ( TransUnion ), and XXXX XXXX XX/XX/year> ( TransUnion ), in violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ), as these inquiries were reported without permissible purpose. Despite multiple prior disputes, all of these inaccuracies remain, causing significant harm, misrepresenting my credit profile, and negatively impacting my ability to access credit and financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 submitting this complaint regarding multiple persistent inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which continue to misrepresent my identity, addresses, financial obligations, and creditworthiness in violation of the Fair Credit Reporting Act. My name is incorrectly reported as XXXX XXXX XXXX ( Experian ), XXXX XXXX XXXX ( Experian ), and XXXX XXXX ( TransUnion ), violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). My addresses are also inaccurate, appearing as XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Experian ), XXXX CANTURA MLS CONVERSE, TX XXXX ( Experian ), and XXXXXXXX XXXX XXXX  TX XXXX ( TransUnion ), which similarly violates the same FCRA provisions. Multiple charge-offs are reported without verification, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$25000.00} ( Experian, Equifax, TransUnion ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$22000.00} ( Experian, Equifax, TransUnion ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$8900.00} ( Experian, Equifax ) * *, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ) due to lack of proper verification or supporting documentation. Additionally, several inquiries are appearing without my authorization, including XXXX XXXX XX/XX/year> ( Experian ), XXXX XX/XX/year> ( Equifax ), XXXX XXXX XX/XX/year> ( TransUnion ), and XXXX XXXX XX/XX/year> ( TransUnion ), in violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ), as these inquiries were reported without permissible purpose. Despite multiple prior disputes, all of these inaccuracies remain, causing significant harm, misrepresenting my credit profile, and negatively impacting my ability to access credit and financial services.

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 2025-11-21 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 did not open this account please remove immediately This hard inquiry is not mine please remove this hard inquiry from my profile immediately this is fraud XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I did not open this account please remove immediately This hard inquiry is not mine please remove this hard inquiry from my profile immediately this is fraud 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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I applied for a job sterling reporting agency reported adverse information to the employer that was not accurate i would like you to go over the information you provide to that agency because it is not accurate

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 2025-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
OCC Complaint Re : Nonprofit XXXX ( c ) ( XXXX ) Savings Account at JPMorgan Chase Bank Date : XX/XX/year> I am filing a complaint against JPMorgan Chase Bank regarding a {$150000.00} deposit into my nonprofits business account ( XXXX XXXX XXXX ( c ) ( XXXX ) ) on XX/XX/year>. 

Chase placed a hold with an expiration date of XX/XX/year>, but did not provide me with the legally required written hold notice explaining the reason, duration, or regulation used to justify the hold. 

On XX/XX/XXXX, the issuing bank confirmed to me that the funds had cleared. Under Regulation CC, once the paying bank has honored the check, the depositary bank must release the funds. 

Instead, Chase staff refused to release the funds and refused to confirm clearance through their internal channels. They told me they can not verify with the Federal Reserve, which is factually incorrect. 

After I questioned the legality of the extended hold, Chase changed the text description on my online banking interface, replacing the prior simple On hold until XX/XX/XXXX wording with a new explanation claiming they have not yet collected the money from the paying bank. 

This retroactive modification of the explanation suggests an attempt to justify the hold after the fact rather than apply a proper hold reason at the time of deposit as required by 12 CFR 229.13. 

Chase refused to provide : A written hold notice A special exception hold notice Any documentation supporting the hold Any proof that funds are subject to return Requested Investigations : XXXX. Chases improper application of a Regulation CC hold XXXX. Their failure to provide a written hold notice XXXX. The retroactive modification of the hold explanation XXXX. Possible bad-faith delay tactics XXXX. Staff misrepresentations about federal verification procedures XXXX. The banks impact on my nonprofits operations I request immediate release of funds and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX sent me a written settlement letter offering to settle my account for {$2000.00} if payment was received on or before XX/XX/year>. I am attempting to pay this settlement early, but their system will not allow me to do so. 

When I log into the payment portal ( jbllc.waythru.com ), the website shows XXXX XXXX ( XXXX account ) and does not display my active settlement or allow me to enter the {$2000.00} payment amount. The payment screen only shows bank information fields but no way to input the settlement amount. The website also displays a banner stating they are experiencing system disruptions due to XXXX XXXX. Because of this, I can not make the payment they instructed me to make. 

I have multiple verification emails from XXXX documenting repeated attempts over time to register, log in, and make payments. Despite these attempts, XXXX XXXX has not provided working instructions or access to complete the settlement. 

I contacted the company and previously requested clear payment instructions and working access to my account. They did not provide the information needed to make the settlement payment. 

I am requesting that the CFPB document that I attempted to pay before the XX/XX/XXXX deadline and assist in requiring XXXX XXXX to either ( XXXX ) correct the system issues so I can make the {$2000.00} payment, or ( XXXX ) provide an alternative payment method while honoring the written XX/XX/year> deadline without penalty. I am fully willing to pay, but their system malfunctions have made it impossible to comply.

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 2025-11-21 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 am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, a fraudulent transaction in the amount of {$2500.00} was posted to my Apple Card, issued by Goldman Sachs Bank. I promptly disputed this transaction, but my dispute was repeatedly closed without proper investigation, despite my providing supporting documentation. On XX/XX/XXXX, I received an email stating that my account had been closed due to a failure to comply with the terms of the Customer Agreement. I later confirmed via a Goldman Sachs representative that the account closure was a mistake, and they issued a {$250.00} goodwill credit as an acknowledgment of the error. 

However, after the account was closed, I was locked out of all Apple Card servicesincluding access to statements, payment history, and XXXX XXXX though I remained enrolled in autopay and continued making timely payments. I made payments of {$91.00} on XX/XX/XXXX, {$2900.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. On XX/XX/XXXX, I received an email stating my account was past due by {$110.00}, which was confusing because I had made a payment just XXXX days earlier. I contacted support and was told the payment had been reversed by my bank, which is completely false. I confirmed with XXXX XXXX XXXXXXXX that no such reversal took place, and I was never notified of any reversal by either XXXX XXXX XXXXXXXX or Goldman Sachs. 

To make matters worse, I could not access my statements or XXXX to verify anything myself, and Goldman Sachs delayed or ignored my multiple requests for copies of statements. I eventually received XXXX XXXX statement only after persistently requesting it. During this time, my credit score dropped nearly XXXX points due to inaccurately reported late paymentsdespite being on autopay and actively making payments. I have screenshots and payment confirmations showing I attempted to stay current, but I was blocked from managing my account due to Goldman Sachs ' admitted account closure error. 

This has caused severe damage to my credit, emotional distress, and financial disruption. I have already submitted disputes to the credit bureaus and contacted Goldman Sachs directly. I am now seeking the CFPBs help to resolve this matter and to require Goldman Sachs to remove all inaccurate late payment reports from my credit history, correct my account information, and provide a written resolution. I believe Goldman Sachs has violated the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( Reg Z ), Gramm-Leach-Bliley Act ( GLBA ), Unfair or Deceptive Acts and Practices ( UDAP ), and NY General Business Law 349.

Company response to consumer: Closed with explanation