vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 XXXXXXXX,

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 2025-11-29 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: MS

Complaint narrative:
I am begging for help! I am a victim of the Experian XXXX XXXX of XXXX! All of my personal information was stolen by hackers and leaked all over the Dark Web! I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. These account do not belong to me. They are fraudulent! I am left suffering from the aftermath because of a mistake Experian made. I fear for my life because these perpetrators know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe hindrance in my life. Remove within XXXX Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint of the information below : 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
Consumer complaint received 2025-11-29 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by Comenity Bank for an account associated with XXXX. The account is reporting as a charge-off with derogatory status, but the information contains multiple inconsistencies, conflicting dates, and unverifiable details. 

I have requested validation from Comenity Bank, including : A copy of the original signed contract A complete itemized accounting of charges, payments, fees, and interest Verification of the Date of First Delinquency ( DOFD ) Documentation showing their legal authority to report or collect on the account The company has not provided sufficient documentation or explanation to validate the account. The reported information appears inaccurate and unverifiable. 

I am requesting the CFPBs assistance because my attempts to resolve this directly with Comenity Bank have not resulted in a proper response, and the information continues to negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$3500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$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 explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WV

Complaint narrative:
I am submitting this complaint regarding serious misconduct by US Bank XXXX XXXX a prepaid debit card program used to distribute government assistant funds. I reported fraudulent transactions on my XXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX submitted dispute forms and evidence, including proof that the alleged transactions. ( XXXX XXXX at XXXX XXXX ) were impossible. After filing my entire transaction history for XX/XX/XXXX to XX/XX/XXXX disappeared from the online portal. U.S. Bank denied my dispute claiming I was responsible, but then sent me a XXXX page packet containing all my sisters personal information .. ( emails addresses her birthdate ) my sister does not have a XXXX XXXX account making this a privacy violation. On XX/XX/XXXX I was told to conflicting stories XXXX an individual called in and deactivated my card and XXXX risk management deactivated my account under the card agreement. My account is now permanently closed and I can not reopen it. ( XX/XX/XXXX. ) this situation, demonstrates fraud, mishandling -denial of a legitimate disputes. XXXX tampering disappearance of over a year of transactions after I filed the dispute. Privacy breach disclosure of unrelated third-party information and was told that was the evidence they used to deny my disputes unfair account closure permanent deactivation without due process. I request that your agency. : investigate XXXX Banks handling of XXXX XXXX disputes and Privacy breaches. Require a US bank to restore my account records and explain the missing transactions ensure reimbursement for unauthorized charges address the improper disclosure of my sisters personal information prevent further harm to consumers relying on ReliaCard for government assistance. Thank youfor your attention to this matter please confirm receipt of this complaint and advise on the next steps. I would like to also add that after I looked at my transactions and I went back to get my transactions from XX/XX/XXXX until XX/XX/XXXX there was no transactions listed for any of those months. They all said no transactions available and another thing I dont understand is how my assistance utility assistance fluctuates from {$41.00} to $ XXXX {$130.00} would nothing changed as far as income is concerned.

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 2025-11-29 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: NJ

Complaint narrative:
XXXX continues to send the same template responses and is not addressing the following issues : 1. Identity mismatch and incorrect contact information XXXX has attached an email address and contact information to my student loan account that does NOT belong to me. This makes the entire account inaccurate under FCRA 623 ( a ) ( 1 ) ( A ), because a furnisher may not report information they know or should know is inaccurate. 
2. Failure to investigate ALL disputed issues XXXX responded to my newest dispute by recycling old template responses and referencing past complaint dates ( XX/XX/year> XX/XX/year> ). 
They did NOT investigate or address the new issues I submitted, which violates : FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 2 ) ( B ) FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 3. Failure to provide Method of Verification ( MOV ) XXXX keeps saying they verified the account, but they have NOT provided the legally required method of verification under : FCRA 611 ( a ) ( 7 ) 4. Possible identity error / mixed file Because XXXX is using an email address not associated with me, and reporting that identity to the consumer reporting agencies, this may be a mixed-file situation, which triggers : FCRA 605B ( Identity Theft or Misuse of Personal Information ) FACTA Red Flags Rule ( Identity Discrepancy ) They have ignored this. 
5. Failure to correct after direct notice I sent disputes directly to XXXX, and they failed to investigate or respond properly, violating : FCRA 623 ( a ) ( 8 ) XXXX continues to provide inaccurate information to the bureaus. 
6. Ongoing harm Because XXXX refuses to address the identity error and continues to report inaccurate information, I am suffering ongoing damage to my credit profile.

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 2025-11-29 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: NJ

Complaint narrative:
XXXX continues to send the same template responses and is not addressing the following issues : 1. Identity mismatch and incorrect contact information XXXX has attached an email address and contact information to my student loan account that does NOT belong to me. This makes the entire account inaccurate under FCRA 623 ( a ) ( 1 ) ( A ), because a furnisher may not report information they know or should know is inaccurate.

2. Failure to investigate ALL disputed issues XXXX responded to my newest dispute by recycling old template responses and referencing past complaint dates ( XX/XX/year> XX/XX/year> ). 
They did NOT investigate or address the new issues I submitted, which violates : FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 2 ) ( B ) FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 3. Failure to provide Method of Verification ( MOV ) XXXX keeps saying they verified the account, but they have NOT provided the legally required method of verification under : FCRA 611 ( a ) ( 7 ) 4. Possible identity error / mixed file Because XXXX is using an email address not associated with me, and reporting that identity to the consumer reporting agencies, this may be a mixed-file situation, which triggers : FCRA 605B ( Identity Theft or Misuse of Personal Information ) FACTA Red Flags Rule ( Identity Discrepancy ) They have ignored this. 
5. Failure to correct after direct notice I sent disputes directly to XXXX, and they failed to investigate or respond properly, violating : FCRA 623 ( a ) ( 8 ) XXXX continues to provide inaccurate information to the bureaus. 
6. Ongoing harm Because XXXX refuses to address the identity error and continues to report inaccurate information, I am suffering ongoing damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I identified multiple inquiries that I did not authorize, initiate, or recognize. these inquiries nor permitted any party to conduct these inquiries on my behalf. These entries are clearly erroneous and constitute either a serious reporting violation or potential identity misuse. Here 's the list of inquiries i would like to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX These inaccurate items are causing immediate and unwarranted harm to my credit standing. Under the Fair Credit Reporting Act ( FCRA ), the reporting entities are legally required to ensure accuracy and maintain proper verification of all information they publish. At this time, they have failed to meet those obligations. 

I am requesting that the CFPB intervene and compel the responsible furnishers and credit bureaus to provide strict verification of each disputed entry. Any item that can not be conclusively substantiated as belonging to me must be removed without delay. I am prepared to provide all supporting documentation and expect a prompt and thorough investigation, as my rights under federal law are being adversely impacted.

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 2025-11-29 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: TX

Complaint narrative:
This is becoming overwhelming. These inaccurate late payments continue to appear on my report even after refreshing everything. I need the documents I submitted to be checked right away because I can not keep carrying this worry every day.

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 2025-11-29 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: NV

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
{$580.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Chase Customer Support, My name is XXXX XXXX, and I am writing regarding a very serious issue caused directly by Chases system errors on my credit card account. 

The account in question is my Chase Freedom XXXX XXXX credit card ending in XXXX. 

For months, I have been scheduling my minimum monthly payments to be withdrawn from my XXXX XXXX XXXX XXXX Checking account, which has always had sufficient funds to cover the minimum payment. Despite this, Chase repeatedly failed to pull the money, and the payments were incorrectly marked as returned. 

Now, your system shows that : My Freedom XXXX  ( XXXX ) account is closed, It is listed as at least XXXX payments behind, And it may be charged off as a bad debt. 

This is completely inaccurate and has happened only because Chase did not successfully process my payments, even though the money was available in my XXXX XXXX account every time. 

When I tried to fix the problem by re-adding my XXXX XXXX account, your system showed the following error : Youve already added this pay-from account. ( Error code : XXXX ) I am attaching screenshots showing : My XXXX XXXX XXXX XXXX account with sufficient balance, The error message when trying to add the pay-from account, And the Freedom XXXX ( XXXX ) screen showing the account as closed and at least XXXX payments behind. 

Because these problems were caused by Chases own systems, I am requesting the following actions immediately : 1. Reopen my Chase Freedom XXXX XXXX account ending in XXXX, as it was closed due to Chases payment-processing failures, not my behavior. 
2. Remove all late payments, returned payments, and delinquency marks from this account.

3. Remove any negative information reported to the credit bureaus that resulted from this issue.

4. Correct the damage to my credit score, since I always had enough funds and did my part by scheduling the payments.

5. Conduct a full investigation and provide me with a written explanation of why Chase failed to pull funds from a fully funded XXXX XXXX account for multiple months. 
6. Provide written confirmation that the issue has been resolved and that it will not happen again. 

My XXXX XXXX account always had enough money to cover the minimum payments. The fact that the payments were not completed is entirely a Chase system problem, and Chase is responsible for the consequences and credit damage. 

Please respond to me via email, as I will be sharing this matter with my attorney and with the appropriate regulatory agencies if necessary. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation