vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-08-21 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: NJ

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. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against Chase Bank for repeatedly placing excessive holds on checks I deposit, even when they come from large, reputable mortgage and escrow companies that I have a long history with. 
For example, a check I recently deposited from XXXX, XXXX of the largest mortgage servicing companies, was put on hold for more than XXXX  days. This is not the first timelast month, on another business account, Chase did the same with an escrow check. Despite having cleared over XXXX checks from that same company over the past XXXX  years, Chase claimed they could not verify it. Each time I have to spend countless hours on the phone, making XXXX calls, just to get my funds released. 
This pattern has been happening repeatedly over the past XXXX  months, and it is causing severe financial hardship. I depend on these deposits to pay my bills and mortgage, and Chases unjustified holds are preventing me from accessing my own money in a timely manner.

It appears Chase is deliberately delaying access to customer funds without a valid reason, and I am requesting that the CFPB investigate this practice and hold Chase accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: OR

Complaint narrative:
Subject : Complaint Against All Three XXXX XXXX XXXX XXXX XXXX XXXX : - Equifax XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX - TransUnion LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX I am submitting this formal complaint against all three major consumer reporting agencies ( Equifax, Experian, and TransUnion ) for continuing to report inaccurate, incomplete, and/or unverifiable charge-off accounts on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The specific tradelines in dispute include : - XXXX XXXX {$8900.00} ( Charge-Off ) - XXXX  of XXXX {$7700.00} ( Charge-Off ) - XXXX  XXXX {$2700.00} ( Charge-Off ) - XXXX XXXX XXXX {$6500.00} ( Charge-Off, acquired by XXXX  XXXX ) - XXXX  Card Services {$44000.00} ( Charge-Off ) These accounts continue to report as delinquent or charged-off even though they may have been sold to third-party debt buyers or XXXX via IRS Form XXXX issuance. Additionally, there are discrepancies in how these accounts are being reported across all three bureaus, in violation of 15 U.S.C. 1681e ( b ).

Despite previous good-faith disputes and requests for reinvestigation sent directly to each agency, they have failed to properly verify the accuracy of these accounts or have refused to remove unverifiable tradelines within the mandated period under 15 U.S.C. 1681i ( a ). 

Furthermore, the credit bureaus are actively injuring my creditworthiness by maintaining inaccurate data, violating my consumer rights, and failing to comply with their duty to report accurate and consistent information under federal law. 

I request the CFPB take the following action : XXXX. Investigate the ongoing inaccuracies in reporting by all three bureaus. 
XXXX. Enforce compliance with FCRA and FACTA provisions regarding reinvestigation, accuracy, and dispute resolution timelines. 
XXXX. Compel all three agencies to remove or correct all unverifiable charge-off tradelines. 
XXXX. Issue findings and penalties as appropriate. 

Attached to this complaint are my original dispute letters and evidentiary documentation sent to each credit bureau, which clearly illustrate the legal and factual deficiencies in the reporting of the above accounts. 

This complaint is submitted without prejudice and with full reservation of rights under commercial and consumer protection law.

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 2025-08-21 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: OR

Complaint narrative:
Subject : Complaint Against All Three XXXX XXXX XXXX XXXX XXXX XXXX : - Equifax XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX - TransUnion LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX I am submitting this formal complaint against all three major consumer reporting agencies ( Equifax, Experian, and TransUnion ) for continuing to report inaccurate, incomplete, and/or unverifiable charge-off accounts on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The specific tradelines in dispute include : - XXXX XXXX {$8900.00} ( Charge-Off ) - XXXX  of XXXX {$7700.00} ( Charge-Off ) - XXXX  XXXX {$2700.00} ( Charge-Off ) - XXXX XXXX XXXX {$6500.00} ( Charge-Off, acquired by XXXX  XXXX ) - XXXX  Card Services {$44000.00} ( Charge-Off ) These accounts continue to report as delinquent or charged-off even though they may have been sold to third-party debt buyers or XXXX via IRS Form XXXX issuance. Additionally, there are discrepancies in how these accounts are being reported across all three bureaus, in violation of 15 U.S.C. 1681e ( b ).

Despite previous good-faith disputes and requests for reinvestigation sent directly to each agency, they have failed to properly verify the accuracy of these accounts or have refused to remove unverifiable tradelines within the mandated period under 15 U.S.C. 1681i ( a ). 

Furthermore, the credit bureaus are actively injuring my creditworthiness by maintaining inaccurate data, violating my consumer rights, and failing to comply with their duty to report accurate and consistent information under federal law. 

I request the CFPB take the following action : XXXX. Investigate the ongoing inaccuracies in reporting by all three bureaus. 
XXXX. Enforce compliance with FCRA and FACTA provisions regarding reinvestigation, accuracy, and dispute resolution timelines. 
XXXX. Compel all three agencies to remove or correct all unverifiable charge-off tradelines. 
XXXX. Issue findings and penalties as appropriate. 

Attached to this complaint are my original dispute letters and evidentiary documentation sent to each credit bureau, which clearly illustrate the legal and factual deficiencies in the reporting of the above accounts. 

This complaint is submitted without prejudice and with full reservation of rights under commercial and consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records 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 2025-08-21 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: LA

Complaint narrative:
This letter serves as my second formal request to update and correct my personal identifying information in your records pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I submitted a written request along with supporting documentation asking that you remove inaccurate names, addresses, and employer information from my credit file. To date, I have not received confirmation that these corrections have been made, which is a direct violation of your obligations under the FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reinvestigation and provide results within 30 days.

Once again, I demand that you immediately : 1. Remove all previous, misspelled, or incorrect names from my file. The only correct and legal name that should remain is : XXXX XXXX XXXX 2. Remove all outdated or incorrect addresses. The only correct address that should remain is : XXXX XXXX XXXX XXXX, XXXX, LA XXXX 3. Remove all inaccurate employer information. The only accurate and current employer is : XXXX I have attached proof of identity and address again for your convenience. 

If you continue to report inaccurate personal information, you will be in willful violation of FCRA 602, 611, and 616617, which may subject you to liability for damages. If I do not receive written confirmation that these corrections have been completed within 15 days of your receipt of this letter, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as considering legal remedies. 

This is my second and final notice. Please comply with federal law and correct my file immediately.

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 2025-08-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-21 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: CA

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Transunion has unlawfully shared sold or purchased my personal information against my trademark name which has caused harm pain and distress also the defamation of my trademark name because of their actions I have been denied credit, loans, mortgages and any financial benefits and assistance also their company leaked my personal information in a recent data breach which make it impossible for any negative items on my report to be accurately reported.

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 2025-08-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed this account many times asking the company to send me proof that this account is mine. But this account doesnt belong to me and needs to be removed. My information was leaked in the data breach and stuff was opened that shouldnt have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX and CreditFresh XXXX XXXX XXXX XXXX for issuing illegal, usurious line of credit loans in violation of XXXX  lending laws and consumer protection standards.

Both lenders structured their products to appear as lines of credit, but the terms function as payday-style debt traps with recurring fees that prevent repayment of principal. Despite paying more than I originally borrowed, I am told I still owe more than my credit limits. 

Loan Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1200.00} Opened : XX/XX/XXXX Current Principal Balance : {$1100.00} Current Balance Reported : {$1600.00} Fees Paid : {$1300.00} CreditFresh Line of Credit XXXX XXXX : {$1700.00} Opened : XX/XX/XXXX Current Principal Balance : {$1600.00} Current Balance Reported : {$2200.00} Fees Paid : {$1700.00} Consumer Harm I reasonably believed I was taking out loans that I would repay through regular installment payments. Instead, I discovered that nearly all of my payments were applied to fees only, not principal. 


As a result, I have paid more than the amounts I borrowed ( {$3100.00} in fees combined ), but I still owe nearly the full principal plus additional balances. 


This structure is designed to trap borrowers in perpetual debt, which is exactly what XXXX usury laws are intended to prevent. 


These loans are being collected in XXXX  at rates that exceed the states 18 % 30 % APR cap, making them unlawful. 


The lenders continue to debit my bank account via ACH, depriving me of money needed for rent, food, and other necessities.

Supporting Evidence ( Attached Exhibits ) Exhibit A : XXXX XXXX Statement Exhibit B : CreditFresh XXXX Statement Exhibit C : CreditFresh Payments Exhibit D : XXXX Payments Exhibit E : XXXX  Line of Credit Schedules Exhibit F : XXXX  Line of Credit Agreement Exhibit G : CreditFresh Truth in Lending Statement Exhibit H : CreditFresh Terms and Conditions Exhibit I : CreditFresh Payments XXXX Exhibit J : XXXX Voluntary ACH Authorization Exhibit K : CreditFresh Voluntary ACH Authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I used to XXXX and was very good at what I do. About XX/XX/XXXX after working a shift I received a call to pick up a client at a hotel. When I arrived at the hotel I received a call to cancel the ride because my car was not handy cap ready, but not to worry they would compensate me for my time. ( They had identified themself as XXXX XXXX. ) As I continued on my routes they called back and asked if I had received my credit? I said no and they explained to me that my account was malfunctioning. They issued me a new account and told me the money would be available asap. I was currently working and did not question XXXX XXXX. I soon noticed my cash app went to zero, and realized it was a scam. They took about {$450.00} off my XXXX XXXX and Cash app total.

Company response to consumer: Closed with explanation