vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple addresses that do NOT belong to me, specifically addresses located in : Alabama Michigan West Virginia I have never lived in any of these states. These inaccurate addresses appear to be the result of a mixed file, incorrectly matched credit data, or identity confusion created by the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to maintain accurate personal identifying information. Reporting addresses that are not mine violates the accuracy requirements of : FCRA 602 ( a ) consumer reporting must be accurate FCRA 603 ( d ) consumer information must be properly matched FCRA 607 ( b ) bureaus must follow reasonable procedures to assure maximum accuracy FCRA 611 bureaus must conduct a reasonable reinvestigation when disputed Because of these incorrect addresses, negative or questionable reporting may also be showing on my report, connected to information that is not tied to my identity.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple addresses that do NOT belong to me, specifically addresses located in : Alabama Michigan West Virginia I have never lived in any of these states. These inaccurate addresses appear to be the result of a mixed file, incorrectly matched credit data, or identity confusion created by the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to maintain accurate personal identifying information. Reporting addresses that are not mine violates the accuracy requirements of : FCRA 602 ( a ) consumer reporting must be accurate FCRA 603 ( d ) consumer information must be properly matched FCRA 607 ( b ) bureaus must follow reasonable procedures to assure maximum accuracy FCRA 611 bureaus must conduct a reasonable reinvestigation when disputed Because of these incorrect addresses, negative or questionable reporting may also be showing on my report, connected to information that is not tied to my identity.

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 2025-11-26 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: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I am submitting this complaint regarding a Linebarger Noggin Blair & Sampson, LLP that attempted to change the terms of an agreed payment plan after the agreement was already established on a recorded phone call. 
I entered into a payment plan for {$360.00} XXXX dollars per month for XXXX XXXX The terms were discussed and finalized during a recorded call. After the agreement was set, the agency contacted me again and stated they made a calculation error and failed to include interest. They told me they now expect a higher payment amount ( {$390.00} ) for a longer term XXXX XXXX XXXX XXXX. 
I did not cause this error. I agreed to and began following the original payment plan in good faith they included all principal and interest. The agency is now pressuring me to accept new terms that were never part of the recorded agreement. When I requested a copy of the recording for my records, they told me they could not provide it. 
I believe this conduct violates my rights under the Fair Debt Collection Practices Act. The agency is attempting to alter an established agreement, and they are refusing to provide transparency regarding the recorded call where the original terms were set. 
I am requesting that the CFPB review this matter and require the agency to honor the original payment plan that was agreed to during the recorded conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no public records tied to my credit file, and these entries are unacceptable. Please remove them immediately, as they are causing me significant anxiety and distress.

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 2025-11-26 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. I would like to assert that no permissible purpose under XXXX USC XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX U.S.C XXXX ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX5 U.S.C section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXX ( a ) ( XXXX ) XXXX 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 7 years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX U.S. Code XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX U.S. Code XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase reduced the credit limits on XXXX of my credit card accounts without any notice, explanation, or legally required adverse action letter. XXXX of my cards had its limit reduced from {$3100.00} to {$1800.00} without warning. My Chase XXXX card was also reduced by {$1500.00} without any notice. I did not request any changes to either account. 
I received no email, no mailed letter, and no secure message regarding either credit limit decrease. Under the Fair Credit Reporting Act and Regulation B, Chase is required to send an adverse action notice when they take negative action on a credit account. No such notice was provided for either card. 
These unannounced reductions significantly harmed my credit utilization, which directly affected my credit score and ability to use my accounts normally. When I contacted Chase to resolve the issue and restore the credit limits, they stated the only option was a reconsideration that requires a hard credit inquiry. I should not be required to take a hard inquiry to correct actions that Chase took without providing the required notice. 
I am requesting that Chase restore the credit limits on BOTH accounts to their previous levels without requiring hard pulls, and that they provide the proper adverse action notices and explanations for both credit limit decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX, I initiated a money transfer of {$160.00} ( XXXX XXXX XXXX ) from my XXXX account in the United States to XXXX in XXXX using the TapTap Send app. The funds were successfully debited from my account, but TapTap Send has not delivered the money to the recipient. As of today, the transfer is still pending with no clear explanation or resolution. 

TapTap Send informed me that the delay is due to issues with their partner in XXXX, but they will not identify who that partner is or provide an estimated time for delivery or refund. They also stated that if the transfer fails, I would need to wait several business days for a refund, which is unacceptable since the company already withdrew the funds from my bank. 

I have contacted customer service twice ( by email and by phone ), but they have not provided a concrete solution, timeline, or proof of any attempt to complete the transfer. I am requesting an immediate investigation, confirmation of where my funds are, and either prompt delivery to the recipient or a full refund without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license displaying my correct name. 
A recent utility bill or bank statement showing my current address. 

Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me by email at XXXX. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I had fraud on my account on XX/XX/year> and I disputed the charges, I was reimbursed for some of the charges, but on this one XXXX I was charged twice for XXXX and somehow I lost a dispute, but I did not make these charges. They were clearly fraud. They were overseas not a charge that I would ever make. There has been a bunch of fraud on my account. They have been pretty good about the other charges. it wont let me update my number. It is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I have been an exceptional member with USAA for 12 years ( never a missed/late payment ) and a loyal owner of multiple accounts ( [ 2 ] Checking, Savings, Valuable Property/Renters , Auto insurance , [ 2 ] credit cards ). On XX/XX/year>, I sent a message through USAA 's live online chat platform to attempt to speak to someone about financial hardship options. I was told there is no such department available on the chat function and to call the credit card department directly. I then spent an hour and a half on the phone being transferred to 4 different departments ( Credit Card Service, Member Assistance, Debt Solutions, and Escalations ). 

I requested a pre-delinquency temporary APR reduction, lower monthly payments, or short-term payment relief programs to which USAA states they will only consider any options when my account becomes delinquent. I attempted to resolve this by calling/messaging customer support multiple times but they did not take further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I disputed several inaccurate accounts with Experian and directly with the furnishers. I requested verification and documentation, but Experian marked them verified without providing supporting proof or conducting a reasonable investigation as required under FCRA 611. 

Here is exactly where violations occurred : 1. Dept of Education / XXXX  XXXX Student Loan Accounts ( Last known numbers end in ) : XXXX, XXXX, XXXX, XXXX These accounts are reporting late payments even though the loans are in deferment until XX/XX/year>. No payments were required, so it is impossible for delinquencies to exist. Reporting late or past due during deferment violates Metro2 XXXX  guidelines and constitutes inaccurate reporting under FCRA 602 and 607 ( B ). I requested documentation showing I was required to make payments at the time late marks were reported. No evidence was provided. 

XXXX. XXXX XXXX XXXX ( Last XXXX visible digits : XXXX ) This account is reported as charged-off, yet Experian/furnisher continue to report a past-due balance of {$2200.00}, which is inaccurate because delinquency can not continue after a charge-off. This appears to be account re-aging and misleading reporting. Verification documentation was never supplied. 

XXXX. XXXX XXXX XXXX  ( Credit Card ) ( Last XXXX visible digits : XXXX ) Experian is reporting continued delinquency months after charge-off, which is illegal re-aging. I requested itemization, payment records, and documentation supporting delinquency beyond charge-off. None was provided. 

XXXX. XXXX XXXX XXXX ( Last XXXX visible digits : XXXX ) No validation was provided to prove ownership of debt, no contract, no chain-of-assignment, and no itemized balance breakdown. This is unverifiable under FCRA 623 and FDCPA 807 ( 8 ), yet Experian continues reporting it as accurate. 

I requested verification documentation for all accounts listed above. No records were produced. Experian continued reporting them without proof, which is a failure to conduct a legally compliant reinvestigation. This has resulted in ongoing credit damage and I am requesting CFPB intervention for correction and full deletion based on non-verification.

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 2025-11-26 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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