vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
I am filing this complaint because I feel the credit bureaus are not taking my disputes seriously, and I believe they are violating my rights under the Fair Credit Reporting Act. Im not a credit expert, but Ive been studying the credit laws and learning how credit reporting is supposed to work. The more I learn, the more I can clearly see that the information being reported about me is inaccurate and the credit bureaus are not correcting it. 

I have a XXXX XXXX account on my reports that shows different information across the three bureaus. They are reporting different months reviewed, different percentages of on-time payments, and different remarks. One version says Closed, another says Account in good standing, and the payment history does not match the actual timeline of the account. The dates of the account are the same, but the data they show is inconsistent, incomplete, and extremely misleading. 

I disputed this, and instead of fixing these issues, the bureaus verified the same inaccurate information almost instantly. That makes me feel like they are not doing a real investigation at all. Based on what Ive studied, the FCRA requires them to ensure maximum possible accuracy and to conduct a reasonable reinvestigationneither of which seems to be happening here. 

I feel taken advantage of because Im doing my part by learning the laws, gathering my documents, and sending proper disputes, but the bureaus are not doing theirs. Their lack of accuracy is hurting my credit profile and making it harder for me to move forward financially. I am asking the CFPB to step in because the credit bureaus are not listening to me, and I dont know where else to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because TransUnion, Equifax, and Experian continue to report inaccurate and inconsistent information on my credit file regarding my XXXX XXXX XXXX  account XXXX despite multiple disputes I have already sent to each consumer reporting agency. I am not a credit professional, but I have been studying the FCRA and learning how the dispute process is supposed to work. Based on what Ive learned, I feel the CRAs are not following the law and are taking advantage of me as a consumer by ignoring my disputes instead of conducting proper investigations. 

The information being reported is not the same across all three bureaus. One bureau reports late payments, another reports the account as in good standing, and another shows missing or N/A payment data. The account status is also inconsistentone bureau says the account is open, while another says it is closed. A single account can not legally have conflicting information like this, and after studying FCRA 602, 607 ( b ), and 611, I understand that the CRAs are required to maintain maximum possible accuracy and perform reasonable reinvestigations. That is not happening in my case.

I have tried to resolve this directly by submitting disputes, but each CRA either ignored the specific inaccuracies I pointed out or verified the account without providing any proof, documentation, or explanation. At this point, it feels like they are dismissing my disputes automatically and not performing a meaningful investigation, which violates FCRA 611. I also learned that furnishers must not report inaccurate data under FCRA 623 ( a ) ( 1 ) ( A ), yet the inconsistent information remains on my reports without correction. 

I am requesting the CFPB to review this situation and require the CRAs to do the following : Conduct a lawful reinvestigation of the XXXX XXXX XXXX  account and obtain actual documentation from the furnisher. 

Delete or correct the account if the information can not be fully verified. 

Address why multiple past disputes from me were ignored or verified without proper investigation.

Im doing everything I can as a consumer to understand and follow the law, but I feel the credit bureaus are not taking my rights seriously. Im asking for your assistance to make sure this account is accurately reported or removed if the information can not be proven.

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Illegal Collection Reporting Violation of Florida Statute 83.49 ( 3 ) ( a ) I am filing this complaint because XXXX XXXX XXXX is reporting an illegal and invalid collection account that was created in direct violation of Florida Statute 83.49 ( 3 ) ( a ). 

The landlord issued a Final Statement of Deposit and transferred the account to collections only 3 days after I vacated the property. Florida law requires : A 30-day written notice of intention to impose a claim Sent by certified mail Before charging or transferring any balance No notice was ever sent.

Therefore, the landlord forfeited all rights to impose any claim.

This means no valid debt exists under Florida law. 

XXXX XXXX XXXX is reporting a debt that can not be validated, making the reporting inaccurate, unlawful, and in violation of FCRA and FDCPA. 

I am requesting immediate intervention because this illegal collection is damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Transunion on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. v has therefore failed to conduct a reasonable reinvestigation as required by law. 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal tray, commission identify, theft, affidavit. please delete these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal tray, commission identify, theft, affidavit. please delete these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Regeusted proper paper work and documents .got nothing medical bills were from an auto accident. And insurance company paid the bills then this company bought a bunch of the companies bills and didn't bother to check if this was already taken care of they have damaged my credit report by reporting a debt that has been paid by the insurance company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank regarding their improper handling and denial of my XXXX fraud dispute. 

On the date of the fraudulent activity ( XX/XX/year> ), Chases own fraud department contacted me first to alert me that suspicious XXXX transfers were occurring on my account. I did not initiate or authorize any of these transfers. I did not approve any XXXX payments, send money, provide authorization codes, or interact with any scammer. These transfers happened entirely without my involvement. 

There were three fraudulent XXXX attempts in total : 1. Two transfers were completed : {$1900.00} ( XXXX payment to XXXX ) {$1900.00} ( XXXX payment to XXXX ) Total stolen : {$3900.00} 2. A third XXXX transfer attempt was caught and reversed by Chase immediately because their system flagged it as fraudulent. 

This means Chases systems detected a pattern of suspicious activity and confirmed that the transfers were not normal or authorized. Chase directly acknowledged the fraud by reversing the third attempt. 

Despite detecting the fraudulent pattern and notifying me, Chase denied my claim twice. Their only explanation was that they did not find the XXXX transfers to be fraudulent and that no breach was found on my account. These are conclusions, not evidence, and they contradict their own fraud alert and reversal of the third attempt. 

Chase refused to provide any of the documentation required under Regulation E, including : Device ( s ) used for the transfers IP addresses Login timestamps XXXX authorization logs Fraud-analysis notes Investigation details Geolocation data Any documents supporting their denial I also requested call logs, transcripts, fraud-department notes, and employee/customer ID numbers for the Chase representatives who contacted me about the fraud alert. Chase refused to provide these records. 

I sent a certified written Regulation E demand letter, and Chase still failed to provide the documentation required by law. 

Under 12 CFR 1005.11, a bank must : 1. Conduct a reasonable investigation 2. Determine whether an error occurred 3. Provide copies of all documents relied on in making their decision Chase has not complied with these requirements. They have provided no evidence showing that I authorized the transfers. Their refusal to provide records, combined with the fact that they reversed a third fraudulent XXXX attempt, demonstrates that their denial is improper and unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: DE

Complaint narrative:
I disputed the XXXX XXXX account ending in XXXX with Experian on XX/XX/XXXX. Experian did not complete the reinvestigation within the XXXX period required by FCRA 611 ( a ) ( 1 ) ( A ). They sent a late no change response after the deadline. Because the reinvestigation was not completed within the required timeframe, Experian is in violation of federal law. 

I also requested the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and Experian did not provide the required information. They did not provide the name of the person or system used to verify the account, nor did they provide any documentation from XXXX. This is a violation of FCRA 611 ( a ) ( 7 ). 

The XXXX reporting on my Experian credit report is inaccurate and incomplete in multiple ways, including : Reporting a charge-off with a full balance Reporting a written-off amount AND a past-due amount Updating the balance after charge-off ( illegal re-aging under 623 ( a ) ( 5 ) ) Incorrect status updated dates Company sold indicator with no purchaser listed Reporting 101 % utilization on a closed charge-off Highest balance reported higher than the credit limit Triple reporting ( balance, past-due, charge-off amount ) These items violate FCRA 607 ( b ) ( maximum accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnisher accuracy obligation ). 

Because of this inaccurate reporting, I was unable to refinance one of my properties, and this caused actual financial harm. 

I am requesting that the CFPB enforce the FCRA requirements, compel Experian to provide the verification documentation used, and require deletion or correction of the inaccurate 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 explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I attempted to complete a balance transfer from my Citi XXXX  credit card to my personal account at XXXX XXXX XXXX ( XXXX ) in Wisconsin. Despite providing the correct XXXX  routing and account numbers, the funds were not deposited into my account. Instead, they were sent to an unrelated company, XXXX XXXX XXXX. 

Although I eventually recovered the funds, I attempted the process three separate times with three different XXXX XXXX XXXX accounts, and in each instance the transfer was incorrectly routed to a different, unrelated account, which I did not process. 

This strongly suggests a system or database error affecting XXXX XXXX XXXX account number mapping within Citis balance transfer processing system. When I contacted Citi regarding the issue, I was advised that they did not plan to address or correct it. 

As a result, any Citi customer attempting to complete a balance transfer to XXXX XXXX XXXX may unknowingly have their funds diverted to an unauthorized third-party account. This poses significant financial, legal, and consumer-fraud risk, and I am requesting that this matter be formally investigated, documented, and corrected.

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 2025-11-16 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: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: CO

Complaint narrative:
KeyBank has taken what appears to be retaliatory and financially damaging actions against me in response to my first CFPB complaint ( ID : XXXX ). 

KeyBank has closed my checking account ( XXXX XXXXXXXX ) without providing notification or receiving consent while leaving my related savings account ( XXXX XXXXXXXX ) open. 

The bank appears to have used a false ( and seemingly malicious ) classification for my financial resolution. To zero out my balance, they posted a {$650.00} credit, but their official records show this as a " Charge Off Account Misc. '' This " Charge Off '' label is false and damaging. I did not default on a debt ; the bank was returning funds from a dispute ( also without official notification -- I only received automated " deposit notification '' emails. This appears to be an attempt to damage my banking record and creates the direct threat that KeyBank will report this to XXXX. 

It is my belief, given the timing, lack of official notification, and wording on the transaction list, that they are taking these actions while my first complaint is in a " locked '' status during their requested XXXX investigation period, giving me no way to submit this new evidence to my original case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd.
State: WI

Complaint narrative:
On XX/XX/year> I received notice from Thomas George Associates Ltd. that I owed {$1800.00} from an overpaid XXXX payment to XXXX XXXX XXXX. This was due to a clerical error on the part of XXXX as I had received no such payment to begin with and the issue had already been acknowledged by XXXX as being their mistake. I contacted TGA to inform them of this mistake and I was directed to XXXX XXXX as the account supervisor. I left XXXX a voicemail explaining the situation and sent several emails containing confirmation from both my employer and XXXX that there was no overpayment and I did not owe anything ( see attached ). He initially refused to respond to my multiple attempts to refute the debt. When he finally did, he said he would need to confirm with XXXX and would get back to me. My repeated attempts to follow up since that time have continued to be ignored and no confirmation from TGA has been received showing that the debt is invalid and no further collections will be attempted.

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 2025-11-16 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: UPGRADE, INC.
State: IL

Complaint narrative:
On XX/XX/year>, XXXX I received this email for a loan that I did not apply for : Hello, Thank you for your recent application for a loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in the future if you feel that your circumstances have changed. 
Click here for more information on why your application was not approved. 
Thank you, Upgrade Customer Support

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiries Equifax Failed to Conduct a Reasonable Investigation I am filing this complaint because Equifax is reporting multiple hard inquiries that I did NOT authorize, and Equifax failed to provide any proof that I granted permission for these companies to access my credit report. 

I disputed each of the following inquiries directly with Equifax : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each inquiry, I submitted the dispute reason : I didnt give this company authorization to access my credit report for this reason. 

Despite my dispute, Equifax marked these inquiries as verified without providing : A signed credit application Proof of written authorization Any documentation showing I granted permission Any explanation of how the investigation was conducted Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to : 1. Conduct a reasonable investigation, 2. Contact the furnisher, 3. Obtain actual documentation showing my authorization.

Equifax has not provided any evidence that I authorized these companies to access my credit file. 
If Equifax can not produce written proof, then these inquiries must be removed. 

I am requesting CFPB assistance to require Equifax to : Provide documentation showing I authorized each inquiry ( signed application or written consent ), OR Remove the inquiries from my credit report if no proof exists. 

These inquiries are harming my credit score and were not authorized by me. 
I am requesting a full reinvestigation with documentation. 

Thank you for your assistance.

Company response to consumer: Closed with explanation