vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
Complaint Summary : Experian, Equifax, and TransUnion are reporting multiple false and duplicate accounts under the names XXXXXXXX XXXX XXXX XXXX, and XXXX These accounts are listed with late payments and open balances, but none of these reporting agencies or furnishers have provided any signed promissory note or legal documentation proving that these accounts belong to me. 

Below are all the accounts being reported falsely and without verification : XXXX Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1100.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$2200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1200.00} ( Updated : XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Education Loan Status : Open XXXX XXXX XXXX  ( XXXX Serviced Accounts ) Late Payment Balance : {$1200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1100.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$2200.00} ( Updated : XX/XX/XXXX ) Account Number : XXXX XXXX / DOFED Late Payment Balance : {$1100.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$2200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) * * Account Numbers Showing Clear Discrepancies and Duplicates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported under multiple variations of the same servicer and same balances, which indicates duplicate, inaccurate, and unverified reporting. I have never received any signed or original documentation proving that I opened or authorized these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) 602, 611, and 623, credit reporting agencies are prohibited from reporting unverifiable or inaccurate information. Until verifiable documentation bearing my signature is provided, these accounts must be deleted immediately. 

Their continued reporting violates federal law and has caused significant harm to my credit profile. 

Requested Resolution : Immediate deletion of all XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX accounts listed above including all related late payments and balances from my Experian, Equifax, and TransUnion credit reports, and written confirmation of deletion.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Between XX/XX/2025 and XXXX XXXX my account was debited XXXX times totaling {$5300.00} by a company called XXXXXXXX XXXX XXXX XXXX XXXX  that I have never had any affiliation with. I have replaced my cards multiple times, I have called chime to stop payment to this merchant and I have disputed the charges on a couple of occasions. I lock my cards and as soon as I unlock to use my account is debited and it is coming from my virtual debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the accuracy and validity of certain items listed on my credit report, which I believe to be incorrect. Below are the details of the accounts in question, separated by each credit bureau TransUnion. I respectfully request that you investigate these accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary actions to rectify any errors. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$860.00} Dispute : Please review the accuracy of this entry and correct any errors. 

XXXX XXXX XXXX Account Number : XXXX Account Opened : XXXX Balance : {$4300.00} Dispute : Please verify the status of this account and adjust accordingly. 

Inquiries : 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

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 2025-11-13 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

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 2025-11-13 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: LA

Complaint narrative:
PORTFOLIO R C is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO R C 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 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Feedback Case # XXXX, on XX/XX/year> I requested loan forgiveness. I had contacted by local house rep, XXXX XXXX, and his colleague who also reached out to the Dept of Ed and verified my loans have reached XXXX payments. However, all but one of my PSLF loans with MOHELA have been forgiven. When I reach out to correct this issue, no one has been able to fix this issue. 

I have contacted Dept of Education and MOHELA every 3 months since this formal complaint. No one has been able to clarify or correct this issue. I have attached pictures of my email correspondence. If additional correspondence information is needed, this can be provided if requested.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
I am submitting this dispute with regard to the inaccuracies and incomplete reporting of my credit report as maintained by the three major credit bureaus : Experian ( EX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Below are the details of the accounts I am disputing : 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 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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid {$530.00} to a hairstylist named XXXX for a XXXX XXXX that was supposed to smooth and straighten my hair. After the service, my hair remained curly and frizzy, showing no noticeable improvement. 

I contacted the stylist to explain that the results were not what we had discussed or what is expected from a XXXX XXXX  He acknowledged my message but refused to provide a refund, stating, I do not refund time and effort, and insisted I return for another treatment instead. I did not feel comfortable returning, as the first service appeared rushed and done with large sections of hair, unlike the standard technique where the product is carefully applied and combed through small sections. 

Since the stylist refused to offer a refund or other fair resolution, I contacted Chase Bank to dispute the charge. I told me I will be more than happy to provide them with messages, receipts, and photos showing the poor results, but Chase denied my dispute. I am filing this complaint because I did not receive the service I paid for, and I was denied a fair resolution by both the service provider and Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-13 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: WA

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 2025-11-13 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: GA

Complaint narrative:
On XX/XX/year> a Consumer Dispute Affidavit was mailed to XXXX XXXX XXXX to rectify this credit reporting violation on 15 USC 1692e.

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 2025-11-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: IL

Complaint narrative:
I use Credit Karma for credit management and one of my derogatory marks listed as being held by XXXX XXXX so I attempted to call them to settle the debt. I talked to an individual from Credit Sage and he stated three outstanding derogatory marks were in his words " 100 % '' success rate in dispute and could easily help fix my credit after my divorce. He charged me {$270.00} to dispute the three marks on my credit and I have not heard anything since. After doing my own research, I later found that Credit Sage is who I really paid and they are a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am writing to formally dispute the following information contained in my TransUnion credit report dated XX/XX/year>. After reviewing my report, I noticed several inaccuracies and negative items that need to be addressed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} o Credit Limit XXXX {$2300.00} o Monthly Payment : {$82.00} o Account Status : Open o I believe the reported balance and payment history may not accurately reflect my records. Please review and verify the current balance and payment history for this account. 
XXXX. XXXXXXXX XXXX XXXX Account o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} o Credit Limit : {$13000.00} o Monthly Payment : {$310.00} o Account Status : Open o I request that you review the balance and payment history for this account as well, as I believe there may be discrepancies that need verification. 
3. Total Balances on Open Accounts : The report shows a total balance of {$37000.00} across all open accounts, which seems inconsistent with my actual usage. Please verify these amounts and ensure that they are correct.

Please conduct a thorough investigation into the accuracy of this information and provide me with the results of your findings. I request that any unverifiable or inaccurate information be corrected or removed from my report.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a request through my Cash App account to have funds in the amount of {$500.00} USD transferred to my bank, XXXX XXXX XXXX XXXX XXXX. When I set up my Cash App account and tied it to my bank over 3 years ago, all bank members were assigned XXXX digit account/member numbers. In XXXX of XXXX this format was changed to XXXX digit account numbers. I was not aware of this at the time and made no changes to any of my accounts, as this change went unnoticed and did not affect any of my day to day banking activities. Because Cash App had the incorrect bank account number at the time of the transfer - the funds should have been rejected and returned to Cash App. Cash App states that the funds were deposited successfully, however, my bank has no record of these funds at all. After doing research, they were unable to even locate the transaction in the " rejected '' folder. I have since received written documentation from the bank that the funds in the amount of {$500.00} were never received. I have opened an investigation case with Cash App ( XXXX # XXXX ) and still have no resolution. I am only told that the funds were deposited so there is nothing that they can do. An agent told me XX/XX/XXXX that my case would be closed. The Cash App representatives are rude, unwilling to transfer to upper management and flat out refuse to assist me in retrieving these missing funds. Cash App states that they do not have the {$500.00}, my bank has confirmed - in writing - that the funds were never deposited. I am desperate for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CBC Companies, Inc.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
I am submitting this statement as a consumer who is actively reviewing and repairing my credit. I have identified several items that I believe are inaccurate, incomplete, or not in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau assist in ensuring that each credit reporting agency properly investigates and updates my records.

1. Previous Address I am disputing a previous address that is still listed on my Equifax file. This address is outdated and no longer associated with me. I request that Equifax remove any prior or inaccurate addresses that do not match my current verified residence.

2. Charged-Off Accounts There are charged-off accounts reporting on my Equifax file that I believe are either inaccurate, unverifiable, or reported inconsistently with other bureaus. I request an investigation and correction or deletion if they can not be verified in full compliance with FCRA 611. 

XXXX. Inquiries XXXX XX/XX/25 I do not recall authorizing this inquiry, and I am disputing it as a potential unauthorized or incorrect hard inquiry. I request that Equifax verify that I provided explicit authorization for this inquiry or remove it from my file.

4. Late Payments There appear to be late payment entries reported by creditors that may not reflect the actual payment history. I request Equifax to verify the accuracy and correct any late payments that can not be fully validated.

Company response to consumer: Closed with explanation