vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i was a Vitim of XXXX and i have been deputing with these company 's and they continue to violate my rights and ruining my life reporting false information on my report i am sending proof that they are reporting false information and not doing there job of investigating i also have proof that my information was leaked in there data breach and i have also attached my ftc reports

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the permanent deletion of inaccurate information currently reported on my credit file. This includes personal identifiers and accounts tied to unauthorized inquiries or unverifiable data. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S.C. 1681b ], no consumer report may be accessed or reported without a legally permissible purpose and proper authorization. The following accounts and inquiries do not meet this standard and appear to stem from either misreporting or potential identity misuse : Personal Information Being Disputed : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Being Challenged : XXXX - XXXX * * * * No signed or electronically authorized consent was ever provided for this account. This constitutes a violation of my consumer rights under FCRA 604 and may further reflect non-compliance with Metro 2 formatting requirements, which demand accuracy, verifiability, and integrity in all data reporting.

I am submitting this dispute independently and expect a full reinvestigation as mandated by FCRA 611 [ 15 U.S.C. 1681i ]. If you can not produce legally admissible, fact-based evidence to support the reporting of this account and personal information, then you are required to DELETE the item ( s ) from my credit report.

Failure to comply with federal reporting laws will be escalated and enforced through formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and appropriate legal channels.

I request written confirmation of your investigation and a copy of my updated credit report reflecting all necessary deletions

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the permanent deletion of inaccurate information currently reported on my credit file. This includes personal identifiers and accounts tied to unauthorized inquiries or unverifiable data. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S.C. 1681b ], no consumer report may be accessed or reported without a legally permissible purpose and proper authorization. The following accounts and inquiries do not meet this standard and appear to stem from either misreporting or potential identity misuse : Personal Information Being Disputed : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Being Challenged : XXXX - XXXX * * * * No signed or electronically authorized consent was ever provided for this account. This constitutes a violation of my consumer rights under FCRA 604 and may further reflect non-compliance with Metro 2 formatting requirements, which demand accuracy, verifiability, and integrity in all data reporting.

I am submitting this dispute independently and expect a full reinvestigation as mandated by FCRA 611 [ 15 U.S.C. 1681i ]. If you can not produce legally admissible, fact-based evidence to support the reporting of this account and personal information, then you are required to DELETE the item ( s ) from my credit report.

Failure to comply with federal reporting laws will be escalated and enforced through formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and appropriate legal channels.

I request written confirmation of your investigation and a copy of my updated credit report reflecting all necessary deletions

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This loan should have been deleted due to covid forgiveness recovery. I was told that this student loan will not show up on my account and will be deleted all paperwork that was needed for this recovery was sent in and confirmed at that time which was in 2020. Can you please get this removed off of my record immediately please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NV

Complaint narrative:
This loan should have been deleted due to covid forgiveness recovery. I was told that this student loan will not show up on my account and will be deleted all paperwork that was needed for this recovery was sent in and confirmed at that time which was in 2020. Can you please get this removed off of my record immediately please.

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 2025-06-25 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: NV

Complaint narrative:
This loan should have been deleted due to covid forgiveness recovery. I was told that this student loan will not show up on my account and will be deleted all paperwork that was needed for this recovery was sent in and confirmed at that time which was in 2020. Can you please get this removed off of my record immediately please.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a car through XXXX and a credit card company ran an inquiry several times on my credit and continues to call to collect for something I do not have. I did not apply for a credit card and I do not have a credit card through CITI CARDS CBNA but they relentlessly call my phone and my husbands phone. 
This is a ghost collector or scammers.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This not a duplicate but a follow up. 
I have previously submitted disputes and complaints, but XXXX has not properly responded or provided a consistent and accurate update. They are in violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to credit reporting agencies be complete and accurate. 

This incorrect reporting is causing harm to my credit score, affecting my financial opportunities, and is incredibly frustrating after years of the account being closed. Im requesting immediate investigation, correction, and a formal explanation from XXXX as to why they are now reporting this closed account as open and delinquent. 


This account has been closed for years!, now all of a sudden once I dispute inaccuracies they start adding remarks harming my credit and also reporting closed on credit reports and open and currently late on another this is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
This not a duplicate but a follow up. 
I have previously submitted disputes and complaints, but XXXX has not properly responded or provided a consistent and accurate update. They are in violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to credit reporting agencies be complete and accurate. 

This incorrect reporting is causing harm to my credit score, affecting my financial opportunities, and is incredibly frustrating after years of the account being closed. Im requesting immediate investigation, correction, and a formal explanation from XXXX as to why they are now reporting this closed account as open and delinquent. 


This account has been closed for years!, now all of a sudden once I dispute inaccuracies they start adding remarks harming my credit and also reporting closed on credit reports and open and currently late on another this is in violation of the FCRA

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I keep getting Harris & Harris but their is no way I owe or can pay the amount they give

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-25 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: IN

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was late on my first car payment to Westlake. Before the XXXX day, they told me I had until XXXX XXXX to pay. On the XXXX day, Westlake actually called me to collect a paymentbut when I tried to pay, they said it was too late because my account was now in " processing '' and couldnt be paid. 
Immediately after that call, I received three missed calls and a text message from the dealer ( XXXX ) asking me to call back. When I spoke to them, they said they had already paid off the loan and now owned the vehicle. But when I followed up with Westlake, they said the loan had not been bought out and that the account was still in " processing. '' I asked both Westlake and XXXX for written confirmation of the payoff or loan ownership, but neither has provided it. XXXX also submitted a credit application without my consent while pushing me to get new financing. Ive been trying to keep the car and continue making payments, but Ive been blocked from doing so without clear documentation or answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, Chase improperly locked both my XXXX XXXX and XXXX credit card accounts after I reported fraud on the XXXX  account. Although a replacement card was issued, access to both accounts remained restricted, even after the card was received. On or around XX/XX/XXXX, I was blocked from using both cards. A notice posted to my online account instructed that I must pay {$470.00} by XX/XX/XXXX to restore access. I promptly initiated this payment. However, Chase later issued a letter dated XX/XX/XXXX, falsely claiming I had not made a payment and demanded {$370.00} by XX/XX/XXXX. This retroactively mischaracterized the account lockout as a failure to pay, despite my compliance. 

In addition, I experienced multiple payment misposting errors between XX/XX/XXXX and XX/XX/XXXX, related to XXXX XXXX reversals. During this period, Chase incorrectly logged reversed payments as new purchases and credits instead of treating them as simple reversals. This inflated my balances, minimum payments, and interest charges artificially. 

For example : My highest actual balance was nearly {$6000.00}, with a historical maximum minimum payment of just {$160.00}. 
Yet in XX/XX/XXXX, with a lower balance, my minimum payment nearly doubled and this occurred while the account was under review for fraud. 

The most egregious discrepancies occurred during : XX/XX/XXXX : Chase Statement Balance : {$5000.00} Corrected Balance ( excluding improper reversals ) : {$1700.00} XX/XX/XXXX : Chase Statement Balance : {$3700.00} Corrected Balance : {$1300.00} Across this timeframe, improperly posted reversals created more than {$10000.00} in inflated balance activity. 

Chase also failed to properly cancel an XXXX XXXX XXXX XXXX promotion, which should have been voided in XX/XX/XXXX after a return was processed. Instead, it continued to accumulate interest and affect my balance until XXXX. I contacted XXXX support multiple times, and transcripts confirm my timely requests for correction. The promotion should never have continued to affect my balance or usage rate. 

Summary of Harm : Inflated balances and interest charges due to reversal misposting False characterization of payment delinquency Denial of access to credit accounts during ongoing fraud resolution Improper handling of XXXX XXXX XXXX financing after a return Resulting credit score damage, credit limit reductions, and misreported delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I discovered two fraudulent charges on my Citi credit card statement from XXXX for {$94.00} on XX/XX/year> and {$170.00} on XX/XX/year>. I also received an empty padded envelope with tracking info on it in the mail around the same time, which I threw away since I didnt realize at the time it was a scam. When I discovered the fraudulent charges a couple weeks later, I reported the card as stolen, called XXXX for details on the transactions, and initiated a dispute. I received a follow up letter a while later asking me to complete a form stating the charges were not mine ( which I did ). I also included a copy of the identity theft report from the case I filed with the FTC regarding this incident, and sent all of it to Citi by the deadline of XX/XX/year>. A couple weeks later I received a response from Citi that my claim was denied and I am being charged for both fraudulent transactions. I tried calling Citi again on XX/XX/year>, spoke with two different reps who were unable to help me, was given a different number to call where I was unable to actually get through their automated system, and none of this was ever resolved.

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 monetary relief