vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, an unauthorized ACH withdrawal for {$120.00} posted to my checking account. This transaction was not made or authorized by me. I immediately contacted Chase customer service to report the fraudulent charge and request a Reg E dispute, and I was instructed to visit a branch.

At the branch, I requested ( 1 ) confirmation that a Reg E dispute was filed, ( 2 ) documentation of my dispute, and ( 3 ) documentation confirming my request to close the compromised account. Instead, branch staff told me I needed to pay the negative balance caused by the fraudulent charge before they could close the account, which is incorrect under Regulation E. They also refused to provide any documentation of my dispute or closure request and said the account could not be closed until the fraudulent charge finished posting.

I was told to accept a compromised account status instead of being allowed to fully close the account and open a new one. Staff also attempted to charge me a {$30.00} fee related to the unauthorized ACH. I left the branch with no paperwork because they refused to provide any.

I am requesting CFPB assistance to ensure : My Reg E dispute is properly filed and processed The fraudulent amount is reimbursed promptly The account is properly closed without requiring me to pay a fraud-caused negative balance All improper fees are reversed I receive the documentation I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( EQ ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 requested validation through original contracts of accounts in my report that I didn't consent to. The bureau ignored this request despite sending them letters to provide information on these account, as it is really bothersome that someone might be using my identity to get into these transactions. I also tried to submit a complaint thru CFPB last XX/XX/year> with the report number XXXX but they closed it suggesting that it wasn't me who submitted the report which is wrong. I was the one who submitted the complaint! I have submitted my ID and SSN as an identification that it was me who did it.

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 2025-11-25 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: TX

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

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 2025-11-25 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 disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( XXXX  ) 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

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 2025-11-25 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: CA

Complaint narrative:
XXXX writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

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 2025-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXI am disputing the following accounts and want to make it clear that I requested verification, but instead of providing it, Equifax sent me a stall letter claiming I may be working with a XXXX  XXXX. I am not working with any XXXX  XXXX and I am disputing these accounts on my own. As a consumer, I have researched the FCRA, FDCPA, XXXX  XXXX  guidelines, and all verification requirements. For late payments, verification requires complete payment history, internal records showing how the late was calculated, the exact date of delinquency, and documentation from the furnisher proving the late payment occurred. For collections, verification requires the original contract, itemized ledger, proof of ownership or assignment, full accounting records, notice of debt within XXXX  days of placement, and all documentation used to substantiate the reporting. For charge-offs, verification requires the signed credit agreement, full payment history, XXXX  documentation, proof of the charge-off event, and all documents used to verify accuracy. For inquiries, verification requires the permissible purpose, the date and manner in which the inquiry was requested, and proof that I authorized or initiated that inquiry. Equifax is required to conduct a reasonable reinvestigation within the legal timeframe, and the clock has already started. The following items must be properly verified or removed:XXXXLate Payments:\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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am disputing an unauthorized XXXX  inquiry from Sheffield Financial dated XX/XX/year>. I never applied for credit with this company, never signed any application, and never gave permission for them to access my XXXX  credit report. 

I contacted both Sheffield Financial and XXXX. XXXX has not provided any written or electronic proof that I authorized this inquiry, and XXXX  closed the dispute without verification, stating only that inquiries are a factual record, which does not address the lack of authorization. 

This inquiry was done without my consent, and the furnisher has failed to provide any documentation proving authorization.

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 2025-11-25 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: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BLUE WHALE LENDING L.L.C.
State: TX

Complaint narrative:
On XX/XX/year> was my closing date and was agreed than XXXX will paid {$20000.00} to my closing costs and that was the deal. But once we were finished signing all documents something come up, they told me I was short {$5300.00} and if I didn't pay this amount they will charge me more fees and the loan could not go through. When something is agreed that has to be respected. I understand things happens sometimes but at least they should it told me before not at after closing. 
Don't know if XXXX  a new lender but things went wrong since they hire this company to do the home appraisal her name is XXXX XXXX XXXX took that lady XXXX weeks to do that appraisal. My home is XXXX sq ft home, lake front, XXXX. She compare my home with houses XXXX sq ft, not lake front and not short rentals. The value that came for my home XXXX  was like XXXX third shorter than normal value. They said I am a risky loan that's why they charge me that extra money. I could go somewhere else if they have told me that. 
And another thing my in XXXX  months I will have XXXX mortgage companies The closing was supposed to be XX/XX/year> and they weren't ready they never cancel me. Seems like you work for them they use your time as they please. Then they move me to XX/XX/year> and that was the day of the bad news. But those bad news were after all the signatures XXXX Blue whale Lending - A division of XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX My info is going from XXXX company to another and a big chance of someone getting to my info and destroy my credit and my reputation Please share this information about this company they are crooks and their partners too If you hear the name XXXX XXXX or Blue Whale Lending A Division of XXXX XXXX  go away. That will be your worse mistake

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
Dear Sir/Madam, I am requesting an investigation into the following items on my TransUnion credit report. These items may be inaccurately reported, and I am seeking their correction or removal according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} The reported balance is incorrect. I request verification of the account 's status and any related payment history. 

XXXX, Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$13000.00} Please confirm the reported balance and ensure it reflects the correct status. 

Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Please confirm that these inquiries are authorized and properly reported. 

Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX These late payments are reported inaccurately. Please investigate and update the account status accordingly.

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 2025-11-25 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: VA

Complaint narrative:
I am submitting a formal dispute regarding the following accounts that are listed on my credit report. These accounts have discrepancies that need to be investigated and corrected. Below are the details of the accounts in dispute, organized by each credit bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$420.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$23000.00}

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First Credit Services Inc.
State: NY

Complaint narrative:
From XX/XX/year> at XXXX to XX/XX/year> at XXXX there have been over 10 text messages with what appears to be a phishing link, I have not responded as I do not want to compromise my information : Message Below : You have not responded to our previous communication advising you of the outstanding account balance. Our client has agreed to remove this account from your credit report if you pay or settle this balance in full. Visit XXXX XXXX XXXX or call First Credit Services , Inc. , debt collector, at XXXX. Disclosures : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NM

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX XXXX, which was later determined to be a lemon. Issues ranging from hole in rear left airbag suspension, faulty alternator, masked electrical issues, incorrect key in fab remote, turnt off sensors, etc. The dealership acknowledged the issues and originally agreed to swap out the vehicle. I drove down from XXXX  XXXX  for this purpose, but at the last minute, they reneged on the agreement and only offered me {$15000.00}, refusing to pay off the existing loan. 

Subsequently, XXXXXXXX XXXX XXXX XXXX evaluated the vehicle and offered to pay off the XXXX loan in full, along with a {$25000.00} trade-in value. However, XXXX rejected the offer without valid justification. 

Due to these unethical and unreasonable actionsby both the dealership and XXXX account does not reflect a fair or accurate representation of my creditworthiness or my intent to resolve the matter. 

I am attaching supporting documents, including correspondence and dealership offers. Please conduct a full reinvestigation and remove or correct this account. I also request written confirmation of the results and an updated copy of my credit report. 

Thank you for your attention to this matter.

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 2025-11-25 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: NM

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX XXXX, which was later determined to be a lemon. Issues ranging from hole in rear left airbag suspension, faulty alternator, masked electrical issues, incorrect key in fab remote, turnt off sensors, etc. The dealership acknowledged the issues and originally agreed to swap out the vehicle. I drove down from XXXX  XXXX for this purpose, but at the last minute, they reneged on the agreement and only offered me {$15000.00}, refusing to pay off the existing loan. 

Subsequently, XXXXXXXX XXXX XXXX XXXXXXXX evaluated the vehicle and offered to pay off the XXXX loan in full, along with a {$25000.00} trade-in value. However, XXXX rejected the offer without valid justification. 

Due to these unethical and unreasonable actionsby both the dealership and XXXX account does not reflect a fair or accurate representation of my creditworthiness or my intent to resolve the matter. 

I am attaching supporting documents, including correspondence and dealership offers. Please conduct a full reinvestigation and remove or correct this account. I also request written confirmation of the results and an updated copy of my credit report. 

Thank you for your attention to this matter.

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 2025-11-25 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: NM

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX XXXX, which was later determined to be a lemon. Issues ranging from hole in rear left airbag suspension, faulty alternator, masked electrical issues, incorrect key in fab remote, turnt off sensors, etc. The dealership acknowledged the issues and originally agreed to swap out the vehicle. I drove down from XXXX  XXXX  for this purpose, but at the last minute, they reneged on the agreement and only offered me {$15000.00}, refusing to pay off the existing loan. 

Subsequently, XXXXXXXX XXXX XXXXXXXX XXXX evaluated the vehicle and offered to pay off the XXXX loan in full, along with a {$25000.00} trade-in value. However, XXXX rejected the offer without valid justification. 

Due to these unethical and unreasonable actionsby both the dealership and XXXX account does not reflect a fair or accurate representation of my creditworthiness or my intent to resolve the matter. 

I am attaching supporting documents, including correspondence and dealership offers. Please conduct a full reinvestigation and remove or correct this account. I also request written confirmation of the results and an updated copy of my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-25 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is furnishing inaccurate, incomplete, and/or unverifiable information to the credit reporting agencies regarding the above-referenced account. I previously exercised my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) to dispute this account directly. Under 15 U.S.C. 1681i ( a ) ( 5 ), a furnisher must update or delete any information that is inaccurate, incomplete, or can not be verified. I am requesting CFPB assistance to ensure compliance, as the furnisher has not corrected the errors. 
What happened This account contains multiple reporting errors that make the tradeline inaccurate and misleading : XXXX. Incorrect Last Payment Reporting The account shows a Last Payment Made on XX/XX/year>, yet the Payment Received field lists {$0.00} for that same period. This is contradictory and indicates inaccurate reporting. If a payment was made, the payment received can not be {$0.00}. 
XXXX. Incorrect Loan Terms vs. XXXX XXXX The account is reported as having monthly payments for XXXX  months, but the payment history only displays XXXX  months. This inconsistency shows incomplete and inaccurate reporting. The payment history must reflect the full number of months under the stated terms. 

These discrepancies violate the FCRA requirement that all furnished information must be accurate, complete, and verifiable. Because this account appears as a closed installment loan, the accuracy of payment history and terms directly impacts my XXXX XXXX and creditworthiness.

Under 15 U.S.C. 1681i and related provisions, furnishers must investigate disputes and ensure that inaccurate, incomplete, or unverifiable information is corrected or deleted. XXXX XXXX XXXX has XXXX to correct the contradictory payment information and incomplete payment history. 

I need your agency to correct all inaccurate and incomplete information or delete the tradeline entirely the XXXX XXXX XXXX account.

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 2025-11-25 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: VA

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below, which contain discrepancies or inaccuracies. These accounts need to be thoroughly investigated and corrected. Below are the details of the accounts in dispute, organized by each credit bureau. 
Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Account Date : XX/XX/XXXX Balance : {$220.00} Inquiries : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/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