vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$32000.00} Account name XXXX XXXX XXXX  XXXX Account XXXX XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$21000.00} Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$6600.00} Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4200.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am submitting a complaint to formally request the immediate removal of multiple inaccurate, unauthorized, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports, as these entries misrepresent my credit history, negatively impact my creditworthiness, and cause undue financial and emotional stress. Specifically, XXXX  XXXX XXXX and XXXX  XXXX XXXX are reported as late closed accounts with {$0.00} balances on Experian  without verification ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off across all three bureaus with no supporting documentation ; high-balance charge-offs including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$5500.00} ) and XXXXXXXX XXXX XXXXXXXX ( {$2700.00} and {$7100.00} ) are reported without proper verification or validation ; collections such as XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  {$1700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX {$3200.00} ), and XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, {$830.00} ) are reported on all three bureaus without proper authorization, verification, or supporting documentation ; and an inquiry for XXXX XXXX XXXXXX/XX/year> appears on TransUnion without my authorization. These items violate FCRA 607 ( b ), FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), FCPA 807, FDCPA 809, 605B / 15 U.S.C. 1681c-2, and FCRA 619, 604 ( a ), and 604 ( f ), and their continued presence is inaccurate, unauthorized, and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am submitting a complaint to formally request the immediate removal of multiple inaccurate, unauthorized, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports, as these entries misrepresent my credit history, negatively impact my creditworthiness, and cause undue financial and emotional stress. Specifically, XXXX  XXXX XXXX and XXXX  XXXX XXXX are reported as late closed accounts with {$0.00} balances on Experian  without verification ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off across all three bureaus with no supporting documentation ; high-balance charge-offs including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$5500.00} ) and XXXXXXXX XXXX XXXXXXXX ( {$2700.00} and {$7100.00} ) are reported without proper verification or validation ; collections such as XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  {$1700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX {$3200.00} ), and XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, {$830.00} ) are reported on all three bureaus without proper authorization, verification, or supporting documentation ; and an inquiry for XXXX XXXX XXXXXX/XX/year> appears on TransUnion without my authorization. These items violate FCRA 607 ( b ), FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), FCPA 807, FDCPA 809, 605B / 15 U.S.C. 1681c-2, and FCRA 619, 604 ( a ), and 604 ( f ), and their continued presence is inaccurate, unauthorized, and unverifiable.

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 2025-11-17 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I received a digital prepaid gift card provided by XXXX  from my employer. The prepaid XXXX  XXXX XXXX  does not have any option to setup a billing address and is therefore declined on most online shopping sites such as XXXX, XXXX, XXXX, etc. These cards have a short validity period - typically 6 months. 

I've seen a number of complaints online ( on XXXX  and other forums ) about people being unable to use their debit cards from XXXX Since the validity period is typically short and is the card is mostly unusable due to the inability to setup a billing address for the digital prepaid card, it's akin to theft. 

XXXX  is owned by XXXX XXXX XXXX XXXX XXXX. 
The parent company of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX  based in Georgia, XXXX. This complaint would therefore be against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am currently living in the XXXX. Until about 2 years ago, I was living in the US ( CT ). I have kept my XXXX XXXX account ( savings and checking ) with Chase. 
Once relocated to the XXXX, I communicated to Chase my new XXXX address and phone number while keeping a US mailing address. 
In XXXX this year, I decided to buy a house in the XXXX and needed to move my money from the Chase bank account to my XXXX one. 
I did expect they would want to be cautious because I was doing it from outside the US, however not that they would keep half of my money. After many attempts and phone calls I was able to move XXXX XXXX. This was the daily limit. I had to break the transfer in two transactions. When I went to move the rest the following day, it was impossible. I had dozens of calls but nobody was able to allow me to move my own money. I have now about XXXX XXXX with Chase that I can not use. 

The reason was that " the system " decided it couldn't be moved and no human at Chase had the power/ability to override the system. As a result, I had to buy the house with a smaller down payment and now I have a larger monthly payment and more interest. The exchange rate from USD to XXXX has also become less favourable since then. This is in addition to the aggravation ( literally physical pain ) caused to me, trying to get the money in time for the closing and spending days calling Chase and receiving different answers or wrong guidance. Most Chase employees I talked to did not seem to know what was happening or did not want to tell me. 
- Chase never told me my money would be controlled by " the system ''. I would expect humans to rely on computers but still to be in control. 
- The system does not " behave '' consistently. I was able to take XXXX XXXX. This means that if I had been a criminal the system did not keep the money safe. Similarly, if I am not a criminal, I have now XXXX XXXX I need that I can not access. 
- If you have checking and savings accounts, you should be able to move your money when you want/need. When I told Chase I had moved abroad, they never told me this could be a problem in the future. 
- The only solution they provided for me to move my money would be to close the account and receive a check at my mailing address in the US. The problem is that I may never be able to cash that check in the XXXX, nor to open a new XXXX XXXX account now that I am living abroad. It would be unreasonable to ask me to travel to the US to cash a check, to then travel back with XXXX XXXXXXXX in cash in a suitcase. It may not even be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
BMW Financial Services, Experian, and TransUnion are reporting materially false, misleading, and damaging credit information regarding my paid BMW auto lease.

Although BMW acknowledges the account was PAID IN FULL with a {$0.00} balance, they continue reporting : 36+ consecutive months of Charge-Off ( CO ) codes Ongoing delinquency after payoff Negative months extending into XXXX and XXXX Conflicting information across different CRAs This reporting is inaccurate, legally impermissible, misleading, and has caused substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
This complaint is being submitted due to the continued inaccurate and harmful reporting of my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is improperly listed by Equifax as having a XXXX late payment in XX/XX/year> and by TransUnion as XXXX a XXXX late payment in XX/XX/year>, despite the account showing a {$0.00} balance and Experian correctly reporting no late payments ; these discrepancies violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ), which requires credit bureaus to conduct a timely and reasonable reinvestigation of any disputed information ; 1681e ( b ), which mandates strict procedures to ensure the maximum possible accuracy of all consumer information ; 1681g ( a ), which guarantees my right to a full credit disclosure and explanation of reinvestigation results ; 1681d ( c ) and 1681m ( a ), which require written notification of any changes made to my file ; 1681k ( a ), which prohibits the reporting of inaccurate adverse information ; 1681b ( a ), which limits reporting to information with a permissible purpose ; and 1681c-2 ( a ), which protects my right to dispute and correct inaccurate or fraudulent data ; therefore, the inaccurate reporting of this alleged late payment is unlawful and damaging to my creditworthiness, and ongoing non-correction constitutes negligent or willful noncompliance under 1681n and 1681o, for which the bureaus may be held liableaccordingly, I request immediate regulatory assistance to ensure that Equifax and TransUnion correct this account to reflect zero late payments, consistent with the accurate reporting currently shown by Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-17 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: AR

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am writing to formally report a violation of my privacy rights by EXPERIAN CREDIT BUREAU. During XXXX, I discovered that my personal information, including my social security number and date of birth, was accessed, used, or disclosed without my authorization and without a permissible purpose under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy laws. 

I HAVE REPORTED IDENTITY THEFT TO EXPERIAN XXXX  TIMES AND THEY STILL ALLOWED THE FOLLOWING CREDITORS ACCESS TO MY CREDIT PROFILE WITHOUT MY WRITTEN OR VERBAL CONSENT : THESE ACCOUNTS ARE TO BE BLOCKED FROM CREDIT FILE AND CREDITORS AR TO NO LONGER HAVE ACCESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE - PAID CLOSED STATUS INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of the Violation : - Company involved : EXPERIAN CREDIT BUREAU - Nature of violation : unauthorized credit inquiry , disclosure of personal data, misuse of financial records, ALLOWING CREDITOR TO ACCESS CREDIT FILE AFTER REPORTING ID THEFT - Evidence : FTC REPORT This unauthorized use of my personal information constitutes a serious breach of my privacy rights and federal consumer protection laws. I demand immediate corrective action. 

Requested Remedies : XXXX. Conduct a full investigation into this violation. 
XXXX. REMOVE AND BLOCK any unlawful inquiries or records from my credit report. 
XXXX. Provide written confirmation of corrective measures taken. 
XXXX. Implement safeguards to prevent future violations. 
XXXX. Notify me of any enforcement actions taken against the responsible party. 
XXXX. Do not allow access to my credit file without written or verbal consent I am also submitting this complaint to the Consumer Financial Protection Bureau and the Federal Trade Commission to ensure proper oversight and enforcement. 

Please acknowledge receipt of this complaint and provide a written response within 5 days, as required under applicable identity theft consumer protection laws.

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 2025-11-17 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: MI

Complaint narrative:
Follow-Up Statement Discharged Bankruptcy Debt Still Being Reported & Collected The XXXX account was included in my 2023 bankruptcy, which has now been removed from my credit report by Equifax. Despite this, Experian, TransUnion, and Equifax continue to report and update this account as derogatory. 

Additionally, XXXX is attempting to collect on this discharged debt, which violates the FDCPA and the FCRA.

Violations include : FCRA 607 ( b ) : inaccurate reporting FCRA 611 ( a ) : unverifiable information FCRA 611 ( a ) ( 5 ) ( A ) : bankruptcy info must be deleted FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : no method of verification provided FDCPA 805 ( c ) : continued contact after debt discharged FDCPA 807 ( 2 ) : misrepresentation of legal status of debt FDCPA 808 ( 1 ) : attempting to collect a debt not owed

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 2025-11-17 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: WY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-17 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: SC

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We made about a dozen extra payments in XX/XX/year> in order to pay down our principal. In total, about {$140000.00}. NewRez shows they received them within a few days of when I sent them. However, they are not being applied to reduce my principal until next year. I asked them to please apply them to my principal immediately, or at least by XX/XX/XXXX. They have done this to me many times over the last year as I have worked to pay down my principal on the loan. This time the extra interest, at 7 %, is quite substantial. Over the last year, this has amounted to hundreds if not thousands of dollars. Every time I contact them they say " we can't handle this, so we'll escalate it '' and then no one ever gets back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
XXXX Case Account Number : XXXX XXXX Trailblazer Seeking financial compensation Three year long case concerning an erroneous charge off on a lease for a XXXX XXXX due to a misreported phone number by XXXX. Clear responsibility was taken by XXXX to remove charge off, but after dozens of attempts to enforce and confirm by myself, it still has not been corrected. Seriously damaged my credit for almost 3 years, preventing the acceptance of the application of any other loan, causing the accrual of serious debilitating financial debt and fees due to there being no fair access to credit. 

XX/XX/XXXX Called asking for escalation Put on hold XX/XX/XXXX Called XXXX XXXX facts of case Put on hold No one else was available Given contact info for XXXX XXXX XXXX message for answering machine No call back from anyone Charge off still not removed XX/XX/XXXX Talked to XXXX Stated charge off removal was approved Stated proof would be emailed and mailed Nothing was mailed or emailed XX/XX/XXXX Talked to XXXX XXXX Customer Service XX/XX/XXXX Talked to XXXX XXXX - XXXX Servicing She is person who can remove the charge off XX/XX/XXXX Called XXXX explained situation Transferred to loss team Talked to XXXX explained situation Transferred to supervisor Called XXXX, explained situation Needed to submit case to higher management Said hed call back in two days Never called back XXXX? XXXX Call not recorded XX/XX/XXXX Called, Stated system was down talked to XXXX, XXXX trailblazer account was corrected ( Was not corrected ) XX/XX/XXXX Call not recorded XX/XX/XXXX Call not recorded XX/XX/XXXX Call not recorded XX/XX/XXXX Initial call to XXXX concerning charge off specifically ( earlier calls not recorded in call history but were had navigating initial issues )

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