vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-13 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: PA

Complaint narrative:
The consumer reporting agency failed to properly reinvestigate and verify all information in my credit file as required by the Fair Credit Reporting Act ( FCRA ) 609 and 611. I submitted a written request for a full file reinvestigation, instructing the bureau to verify every item for accuracy and completeness. However, the bureau did not provide full verification or documentation from the furnishers as required by law.

Under FCRA 609 [ 15 U.S.C. 1681g ], I have the right to obtain all information in my credit file, and under 611 [ 15 U.S.C. 1681i ], the bureau must reinvestigate disputed data and provide the method of verification, including the name, address, and phone number of each furnisher contacted. The bureaus failure to comply prevents me from confirming the accuracy of my consumer file and constitutes a violation of my federal rights.

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 2025-10-13 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: GA

Complaint narrative:
I am submitting this complaint because my personal information was compromised due to data breaches involving TransUnion, Equifax, and Experian. I did not authorize any release or exposure of my sensitive data, and I am extremely concerned about the potential for identity theft, financial fraud, and long-term damage to my credit profile. 

Despite being major credit reporting agencies entrusted with safeguarding consumer data, these companies failed to adequately protect my information. I have taken steps to monitor my credit and secure my accounts, but the burden of this breach should not fall solely on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am submitting this complaint because my personal information was compromised due to data breaches involving TransUnion, Equifax, and Experian. I did not authorize any release or exposure of my sensitive data, and I am extremely concerned about the potential for identity theft, financial fraud, and long-term damage to my credit profile. 

Despite being major credit reporting agencies entrusted with safeguarding consumer data, these companies failed to adequately protect my information. I have taken steps to monitor my credit and secure my accounts, but the burden of this breach should not fall solely on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Selene Holdings LLC
State: ID

Complaint narrative:
problem with credit reporting.

I have been in a dispute with Selene since they took over my loan.

Under the Real Estate Settlement Procedures Act ( RESPA ) and CFPB Regulation X ( 12 CFR 1024.36 & 1024.41 ) : During that investigation, the servicer can not treat you as delinquent solely because you filed a dispute or while they are determining whether an error occurred.

When a servicer receives notice that an account is in dispute, it must : Flag the account as disputed when furnishing data to credit bureaus, and Suspend or correct reporting until the investigation is complete.

If they continue to report it as simply late or delinquent without the consumer disputes this information notation, thats a Fair Credit Reporting Act violation. 

Selene XXXX XXXX falsely reported my mortgage as delinquent even though I have made all payments in good faith. 
XX/XX/year> ACH payment {$3500.00} XX/XX/year> ACH payment {$3500.00} Both cleared my bank. Despite this, Selene reported a delinquency around XX/XX/year>, causing a XXXXpoint credit-score drop and harming my business credit.

I have an ongoing dispute with Selene about its unsafe website and inability to reach anyone beyond a collections call center. Every call can take 13 hours ; often I must hang up and try again another day. No one with decision-making authority ever responds.

Selenes own Terms of Use webpage states that it and its affiliates shall not be responsible or liable for information or services on its site and that all information, products and services are provided AS IS. This disclaimer means I can not safely use their online system to make payments, forcing me to pay by phone and lose significant time.

Selenes false reporting, failure to follow legal notice requirements, and insecure payment system have caused major financial and emotional harm. I request that the CFPB require Selene to correct my credit report, confirm my
account is current, and review its data-security and borrower-communication practices.

They also have no route for communication. The listed number goes to voicemail and the other to collections only.

CFPB marks every problem resolved after Selene sends ANY response. CFPB, you can do better! Read their responses!!! All they do is send boiler plate letters asking me to fill out a form that says I am in financial distress. ESCILATE THEIR BAD ACTING, STOP THEM FROM DOING THIS TO OTHERS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
This letter is being submitted as a formal and urgent complaint regarding the false, fraudulent, and highly damaging information appearing under my TransUnion credit report. I am a victim of identity theft, and I have reason to believe that unauthorized accounts have been opened using my personal information without my consent or authorization.

Upon careful review of my credit file, I identified the following fraudulent and unverifiable accounts that must be removed immediately : XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed / Late 30 Days Reported Balance : {$20000.00} Credit Limit : {$19000.00} Date of Last Payment : XX/XX/XXXX Comment : Account closed by consumer. 


XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Closed / Late 60 Days Reported Balance : {$52000.00} Credit Limit : {$52000.00} Date of Last Payment : XX/XX/XXXX Comment : Account closed by consumer. 


I have never opened or used any credit accounts with XXXX XXXX XXXX, XXXX. The presence of these accounts represents identity theft and gross negligence in data verification by both the furnisher and TransUnion.

TransUnion is bound under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy of consumer information. The continued reporting of fraudulent accounts with recent activity ( as late as XX/XX/XXXX ) demonstrates a reckless failure to comply with these statutory requirements.

Additionally, under 15 U.S.C. 1681c-2, I am invoking my right as an identity theft victim to have all information resulting from identity theft blocked and permanently suppressed from my credit file. I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and can provide it upon request.

The ongoing publication of these false accounts constitutes willful non-compliance and defamation under 15 U.S.C. 1681n and 1681o, exposing TransUnion to statutory and actual damages. The presence of this fraudulent information has materially harmed my credit standing, credibility, and peace of mind.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX from Chases Executive Office about my travel claim ( # XXXX ) for Trip ID XXXX ( Confirmation XXXX ). Chase denied reimbursement of XXXX Chase points and {$790.00} in cash for a disrupted flight from XXXX XXXX XXXX XXXX XXXX. 
The trip was purchased through Chase XXXX using XXXX points plus {$1500.00} in cash. Together, the points and cash paid for a particular itinerary chosen for its short layovers and convenience, but the flights I purchased were never fulfilled. 
XXXX XXXX moved my flight to an earlier departure time without notifying me. When I arrived in XXXX, I learned that the flight I had purchased was completely full and that I had been moved to an earlier XXXX flight that had already departed, leaving me on standby. When I was eventually rebooked to fly home, my travel companion and I were not seated together. When I finally reached XXXX XXXX, the connecting flight had been moved up as well, resulting in a 15-hour layover before the next available option. 
During the XX/XX/XXXX call, XXXX said Chases denial was based on information from XXXX claiming the trip was fulfilled. She also acknowledged that she could see how I would not have been able to take the flights after XXXX moved them earlier, since my XXXX XXXX leg was on a different airline that did not adjust its schedule or communicate the change. This supports that the purchased itinerary was not fulfilled and, in fact, could not have been fulfilled due to XXXX schedule change and lack of notice. 
Separately, when I spoke with a XXXX representative while trying to resolve the issue directly, she stated that XXXX had moved up my flights but did not do a good job of notifying me. 
Chase and XXXX  XXXX have not provided any record showing that the XXXX XXXX XXXX segment was rebooked. Although the XXXX agent in XXXX said she could see that it had been moved up, no documentation of that change has ever been provided to me. The documentation I received shows only XXXX XXXX and XXXX XXXX XXXX. 
XXXX told Chase they had emailed me about the change on XX/XX/XXXX. I searched my XXXX Mail between XXXX XXXX XXXX  using from : ( XXXX ) and found no schedule-change or itinerary-change emails, only general XXXX marketing messages. My inbox includes XXXX correspondence dating back to XXXX, confirming that I never received notice of this change. 
Chases insurer, XXXX  XXXX, later issued only a partial reimbursement check for {$790.00}, representing roughly half of the cash portion of the trip. I never received reimbursement for the remaining {$790.00} or the XXXX Chase points. 
I am requesting full reimbursement of the XXXX points and {$790.00} in cash, as well as copies of any documentation or communication from XXXX XXXX, including the XX/XX/XXXX email Chase referenced, that were used to deny my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: KY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to dispute several items on my credit report that I believe are inaccurate or unauthorized.

XXXX XXXX There is an inquiry dated XX/XX/year> for a loan in the amount of {$25000.00}. This loan was paid in full and should have already been removed from my credit report. I am requesting that this inquiry be corrected and removed immediately. 

Additional Unauthorized Credit Inquiries The following credit inquiries were not authorized by me and should be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that all of these inquiries be investigated and removed promptly. These inquiries are negatively affecting my credit report, and I did not provide authorization for these companies to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: KY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter constitutes a formal FCRA dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) regarding numerous defects and omissions in my Equifax file dated [ Insert Report Date ]. 
The tradelines listed below are factually inaccurate and non-compliant with XXXX XXXX formatting and FCRA accuracy standards : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX mis-coded as Installment loans instead of Collections ; conflicting activity dates and open/closed statuses. 
XXXX XXXX XXXX status and past-due amounts do not match other bureaus ; missing/incorrect DOFD. 
XXXX XXXXXXXX ( XXXX and XXXX ) inconsistent late-payment counts and balances across bureaus. 
XXXX XXXX XXXX high credit and past-due figures contradict supporting records. 
XXXX XXXX ( XXXX ) Authorized User tradeline should not carry derogatory history per ECOA Code XXXX. 
These discrepancies violate FCRA 607 ( b ) ( maximum possible accuracy ) and XXXX XXXX ( XXXX CFR Part XXXX ) ( accuracy & integrity requirements ). Under XXXX v. TransUnion, Equifax must perform an independent reinvestigation and not accept furnisher data at face value. 
I demand : Full ledger/statement verification showing due date, receipt, and posting for each alleged late month. 
Correction of XXXX XXXX fields ( Portfolio Type, Account Type, Account Status, Payment Rating, Payment History Profile, XXXX, Special Comment ). 
If any furnisher can not produce such proof, delete the entire tradeline. 
All late months reported are formally disputed. Codes are not proof. 
Non-compliance will trigger CFPB, FTC, and Attorney General complaints and civil action under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-13 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: VA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: AZ

Complaint narrative:
The family educational rights and privacy XXXX, XXXX, protects the confidentiality of student records. This breach is clear violation of XXXX and your responsibility to safeguard my information. 
{$3700.00} Reported balance ed financial {$1700.00} Reported balance ed financial both loans have been up for almost 5 years saying I've only missed XXXX payments which I haven't paid any that I remember, and my payment history is still at 93 % it doesn't add up. I also wasn't let known that I had XXXX loans until I called. I want all proof of signing, and I don't think they have that also.

Company response to consumer: Closed with explanation