vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: WI

Complaint narrative:
CRI took over as my student loan servicer from XXXX a few months ago. I created an account with CRI using my email XXXX, and enrolled in auto debit. I changed my bank account information a couple months ago and I swore I was still enrolled in auto debit, but apparently it was not. Yesterday, on XX/XX/year>, I received a call regarding my student loan that it was past due. I logged into my CRI account to find a bizarre, unfamiliar email address was linked to my account. This email was " XXXX '' - this doesn't even seem to be a legitimate email address. There was also an unfamiliar phone number linked to my account. I contacted CRI 's customer service and was told my email was changed from my XXXX account to this XXXX XXXX XXXX  account in XXXX. I did not authorize this change, this is not my email address. Because CRI allowed my email to be changed by this unknown entity, I did not receive any statements for my loan and was not aware that I was not enrolled in auto debit, causing my loan to go delinquent. CRI does not seem to care that an unknown entity changed my email and accessed my account. Either their system is compromised or perhaps their system made these changes during the conversion from XXXX. Regardless, CRI needs to investigate how this happened, especially because this caused me to not receive statements and my loan to go delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am a victim of XXXX and the information listed below on my credit report is a result of that XXXX : Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$580.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-07-31 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: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiry on my TRANSUNION Credit Report.

My latest credit report shows 1 credit inquiry that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report.

INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am submitting this complaint because Chase Bank failed to resolve two legitimate disputes on my credit card account and closed one of them without notice or proper investigation. 
XXXX. XXXX XXXX XXXX {$270.00} ( XX/XX/year> ) : I was overcharged for a veterinary service ( a titer test ) that was either not performed correctly or was misrepresented. I attempted to dispute the charge through Chase, but they closed the case without notifying me, denying me the chance to submit supporting documentation. When I later contacted a supervisor, they claimed I needed to provide a receipt. However, as the charge itself was incorrect and no proper receipt was ever provided, this is not possible. The essence of the dispute is that the amount was wrongly charged and I was not given a service equivalent to what I paid for. Chase has offered no meaningful path to resolution. 
XXXXXXXX XXXX  Travel Dispute : I attempted to cancel a flight through XXXX, but the merchant failed to honor the cancellation. I never received the travel service, yet the dispute has remained open indefinitely said the merchant, and Chase has refused to move forward. They say that because the flight it a future service, Chase cant act which leaves me stuck in limbo. This is not acceptable. As the cardholder, I should not be penalized for the merchants refusal to resolve the issue. I provided timely notice and made several attempts to escalate this with Chase. 

In both cases, Chase has been unresponsive, misleading, and has failed to follow proper procedures. I was told incorrect information in multiple emails, and supervisors on the phone offered no real help. I have documentation and timelines to support these claims. 

I am requesting that the CFPB investigate Chases failure to handle these disputes in accordance with consumer protection laws, and that my charges be reviewed fairly and reversed if found invalid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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: TN

Complaint narrative:
I am a victim of XXXX and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-31 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: IA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Text Product : Credit Reporting Issue : Incorrect information on your credit report Company : XXXX XXXX  Submitted by : XXXX XXXX XXXX Date : XXXX Describe what happened I am filing this complaint against XXXX XXXX  and the credit reporting agencies for inaccurate, inconsistent, and misleading reporting of a closed credit card account, which is currently appearing on all three of my consumer reports TransUnion, Equifax, and Experian with material conflicts in violation of : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Compliance Guidelines established by the XXXX XXXX XXXX XXXX XXXX Articles 3 & 9 regarding the right to request debt validation Specific Issues : Balance Reporting : Experian lists the balance as {$0.00}, while TransUnion and Equifax list {$930.00}. This inconsistency violates XXXX XXXX standards. 

Payment History Conflicts : Experian shows a full charge-off progression ; TransUnion shows no payment history at all ; Equifax is incomplete.

Dispute Marking Violations : Equifax shows that the account is in dispute. TransUnion and Experian fail to reflect this, violating 15 U.S.C. 1681i ( a ) ( XXXX ). 

Date Conflicts : The account was closed on XX/XX/year>, yet the last update and activity dates vary across reports. 

Status Remarks : There are conflicting notations such as " Charged-Off, '' " Unpaid Balance Reported as a Loss, '' and " Account Closed '' with {$0.00} balance but still negatively impacting my score. 

XXXX XXXX Non-Compliance : These errors demonstrate a failure to report consistent data in accordance with XXXX XXXX format, harming my creditworthiness. 

Despite multiple written requests, XXXX XXXX  has failed to provide proper debt validation under 15 U.S.C. 1692g, including : A signed contract with my wet signature A complete payment history from inception to charge-off Chain of title or transfer documentation, if the debt was sold IRS 1099-C cancellation of debt form, if applicable Instead, generic form letters or automated updates have been issued with no legal proof that XXXX XXXX  owns the debt , has a right to report, or that the debt is collectible under federal law.

Additionally, their continued reporting while refusing to validate the debt is a deceptive and unfair practice under 15 U.S.C. 1692e, 1692f, and 1692g ( b ).

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 2025-07-31 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: IA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Text Product : Credit Reporting Issue : Incorrect information on your credit report Company : XXXX XXXX  Submitted by : XXXX XXXX XXXX Date : XXXX Describe what happened I am filing this complaint against XXXX XXXX  and the credit reporting agencies for inaccurate, inconsistent, and misleading reporting of a closed credit card account, which is currently appearing on all three of my consumer reports TransUnion, Equifax, and Experian with material conflicts in violation of : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Compliance Guidelines established by the XXXX XXXX XXXX XXXX XXXX Articles 3 & 9 regarding the right to request debt validation Specific Issues : Balance Reporting : Experian lists the balance as {$0.00}, while TransUnion and Equifax list {$930.00}. This inconsistency violates XXXX XXXX standards. 

Payment History Conflicts : Experian shows a full charge-off progression ; TransUnion shows no payment history at all ; Equifax is incomplete.

Dispute Marking Violations : Equifax shows that the account is in dispute. TransUnion and Experian fail to reflect this, violating 15 U.S.C. 1681i ( a ) ( XXXX ). 

Date Conflicts : The account was closed on XX/XX/year>, yet the last update and activity dates vary across reports. 

Status Remarks : There are conflicting notations such as " Charged-Off, '' " Unpaid Balance Reported as a Loss, '' and " Account Closed '' with {$0.00} balance but still negatively impacting my score. 

XXXX XXXX Non-Compliance : These errors demonstrate a failure to report consistent data in accordance with XXXX XXXX format, harming my creditworthiness. 

Despite multiple written requests, XXXX XXXX  has failed to provide proper debt validation under 15 U.S.C. 1692g, including : A signed contract with my wet signature A complete payment history from inception to charge-off Chain of title or transfer documentation, if the debt was sold IRS 1099-C cancellation of debt form, if applicable Instead, generic form letters or automated updates have been issued with no legal proof that XXXX XXXX  owns the debt , has a right to report, or that the debt is collectible under federal law.

Additionally, their continued reporting while refusing to validate the debt is a deceptive and unfair practice under 15 U.S.C. 1692e, 1692f, and 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I have submitted Autopay request multiple times XX/XX/2024 ; XX/XX/2024 ; XX/XX/2024 I then submitted emails to Mohela because I received a past due notice There have been multiple occasions in the last 2 years where I have missed payment for a day or two expecting autopay to work. I keep being told to wait. My most recent past due was on XX/XX/XXXX and I got an email to pay it. My concern is reporting to credit about missed payments which is not my fault. I want them to process them to process the auto payment request. Their emails keep saying it takes 7-10 business days but Ive been requesting this since XXXX/2024

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-31 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: IL

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-31 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 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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-07-31 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 have never lived at XXXX XXXX XXXX, XXXX XXXX, IL. XXXX, and this address must be removed from my credit report. 
I have never used the name XXXX as a first name or last name, and this name must be removed from my credit 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 explanation
Consumer complaint received 2025-07-31 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 have never lived at XXXX XXXX XXXX, XXXX XXXX, IL. XXXX, and this address must be removed from my credit report. 
I have never used the name XXXX as a first name or last name, and this name must be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Between XXXX and XXXX, my ex-wife opened multiple credit cards and loans under my name without my knowledge or consent while we were still married. These accounts were fraudulently created and used without authorization and have severely damaged my credit history. 

The following accounts were not opened or authorized by me : XXXX XXXX ( now in collections with XXXX XXXX XXXX for {$3000.00} opened XX/XX/XXXX ) LVNV Funding LLC {$400.00} balance, opened XX/XX/XXXX XXXX XXXX XXXX  {$740.00} balance, opened XX/XX/XXXX XXXX XXXX XXXX {$520.00} balance, opened XX/XX/XXXX All of these accounts show consumer dispute remarks but remain in collection status and continue to negatively impact my credit. I did not receive any goods, services, or funds from these accounts. 

I became aware of the identity theft in XXXX after reviewing my credit report and began the dispute process, but the accounts have not been fully removed. I am seeking full deletion of these accounts and help resolving this as a clear case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 contacting you with serious concern regarding an account listed on my credit report that I did not open, authorize, or consent to. I believe this account was opened fraudulently, and it does not belong to me.

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