vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS DPT EDXXXX XXXX XX/XX/XXXX {$7500.00} DPT EDXXXX XXXX XX/XX/XXXX {$3900.00} DPT ED/XXXX XXXX XX/XX/XXXX {$5400.00} DPT ED/XXXX XXXX XX/XX/XXXX {$4000.00} DPT EDXXXX XXXX XX/XX/XXXX {$5000.00} DPT EDXXXX XXXX XX/XX/XXXX {$7100.00} DPT EDXXXX XXXX XX/XX/XXXX {$1200.00} DPT EDXXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX XX/XX/XXXX {$64.00} XXXX XXXX XXXX XX/XX/XXXX {$85.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$540.00} The dates and details for these accounts do not match what is shown on the other bureaus. I request a full reinvestigation. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize some of these inquiries. Please verify permissible purpose and delete any that can not be validated. 

LATE PAYMENT XXXX XXXX This late payment appears inaccurate and should be verified.

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 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX  XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} LATE PAYMENTS REPORTED XXXX XXXXXXXX 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 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Threats, formal notice to default, accelerate, repossess collateral or take other appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Dear XXXX, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the following credit report items that I believe to be inaccurate or incomplete. The accounts listed below are disputed across the major credit bureaus : TransUnion ( TU ). 

Charged Off Accounts : XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX CXXXX, XXXX, XX/XX/XXXX, {$11000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$730.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank is incorrectly reporting XXXX credit lines to the bureaus, when I only have XXXX, which is at a XXXX balance. Citi Bank is reporting it XXXX, XXXX with an unpaid balance which is in fact paid. This is making my credit utilization look falsely high when it is in fact XXXX. I have tried to rectify this with Citi Bank and they have made the dispute process very onerous.

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 2025-11-24 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: TX

Complaint narrative:
Can you ensure this entry is accurate? I may have erred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 disputing the charged-off accounts listed below because the information being reported is inaccurate and does not reflect complete or verifiable data. I am requesting that Equifax conduct a proper reinvestigation and remove any account that can not be verified according to FCRA guidelines. 

Accounts in Dispute Charged Off : XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$440.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$5700.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I am filing a complaint because Equifax has failed to correct inaccurate information on my credit report, which has caused significant harm to my ability to secure a home loan. I requested multiple times that they correct a XX/XX/year> late payment on my XXXX XXXX account ( Account # : XXXX * * * * ). Despite my efforts, Equifax deleted the account without addressing the late payment, and they reported it again and it is now marked as closed when it was originally open. The late payment still remains uncorrected. 
I have disputed this issue XXXX times now, and I have never been late on this account. I have asked for the late payment to be corrected to " Paid as Agreed '' or " OK ''. However, Equifax 's failure to properly investigate and fix this issue is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) ( requires accurate reporting of information ) 15 U.S.C. 1681b ( 2 ) ( prohibits reporting without my written consent ) 15 U.S.C. 1681i ( requires proper investigation of disputes ) This error is negatively impacting my credit score and has already caused me to be denied a home loan. I am requesting the CFPB 's assistance in resolving this issue by ensuring a full reinvestigation of my dispute and correction of the inaccurate late payment. 
If this matter is not resolved promptly, I am prepared to pursue legal action for noncompliance under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Could you examine the entry more closely? It might be flawed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I called my mortgage inquiring about options available for the Government XXXX XXXX. I have automatic payment on my account that is deducted each month as I called on XX/XX/year> @ spoke with rep ( XXXX XXXX  that said she didnt know it I would be to get any options as far deferments. I then went on to thats fine because the XX/XX/year> is scheduled for release any day I wont stop payment and no need for you all to stop the payment key the payment for through for XXXX. I will wait to see if theres anything that I could be approved could maybe cover for XX/XX/year> payment. However now I if go onto there site it still shows the payment as pending. I am now being told I owe for XX/XX/XXXX and that I am as approved for a deferment not a forbearance and I need to pay asap. I spoke a XXXX XXXX stating that need to complete a package to see if I would qualify for assistance. I have been late in over a year after I set myself on the automatic payment plan. I explained by thinking that I had leave way in my payment. I lost my mother in XX/XX/year> and I am paying the Home insurance and the Property Taxes until the home gets sold. I am requesting that the payment is either put to the back of loan and or payment plan for XXXX months to get caught back up. I asked them to pull the recorded call and reviewed what I said and what I was told by the representative as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 dispute the accuracy of the accounts and inquiries listed above across the major credit bureau ( Experian ). Please investigate the disputed entries and correct or remove any inaccurate, incomplete, or unverifiable information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1600.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4400.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payment Accounts : XXXX XXXX, XXXXXXXX XXXX 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 2025-11-24 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: VA

Complaint narrative:
The following accounts show reporting inconsistencies or appear duplicated across multiple entries with slightly altered IDs and balances. I am requesting full verification. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XX/XX/XXXX {$8100.00} XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$3400.00} INQUIRIES 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 2025-11-24 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XX/XX/year>, I was charged approximately {$1200.00} on my Chase credit card for a travel program with a company called XXXX XXXX. The total cost of the program was {$2400.00}, but only half of the amount was billed to Chase. The trip was scheduled for XXXX XXXX XXXX  in XXXX. I did not attend this trip, and no services were provided to me. 

Prior to the trip, I notified the merchant in advance that I would not be participating due to documented civil unrest and unsafe conditions in the destination region. These conditions were confirmed through multiple news outlets and U.S. State Department advisories. Additionally, the accommodations and trip conditions were not accurately represented at the time of purchase. 

I filed a dispute with Chase and submitted evidence showing that : I did not receive any services or benefits. 
I notified the merchant before the trip. 
The payment invoice did not contain a cancellation policy or non-refundable terms. 
I never signed or agreed to any terms related to cancellation or refunds. 
No audit trail exists showing that any such terms were provided at the time of payment.

Travel advisories showed the region became unsafe. 

Chase denied the dispute. They later provided merchant documentation, but the documents do not include my signature, do not show any cancellation policy, and do not contain any proof that I agreed to non-refundable terms. Despite this, Chase upheld the denial. 

I asked Chase whether the merchant provided any signed agreement or any record that I accepted non-refundable terms. I have not received a clear answer. I was also told that documentation would be provided electronically, then told it would arrive only by mail, and received conflicting explanations about the process. It appears Chase may have denied the dispute before receiving valid merchant evidence, which would not comply with dispute handling requirements. 

I have cooperated fully and provided extensive documentation. No services were provided, no contract was signed, and the merchants materials do not demonstrate that I agreed to any refund restrictions. 

I am requesting CFPB assistance to ensure Chase : Confirms whether any signed agreement or consent to terms actually exists, Provides me with all merchant documentation used to deny the dispute, Reopens the dispute if no valid proof exists, and Reverses the {$1200.00} charge for services not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am disputing inaccurate information furnished by XXXX XXXX XXXX and inaccurate reinvestigation results from Experian, TransUnion, and Equifax. The account in question contains several factual inconsistencies and XXXX violations. 

All three credit bureaus report this account with an original loan term of 7 months, yet the payment history reflects more than 30 months of reported activity prior to the XXXX charge-off. A 7-month loan can not produce a multi-year payment history. This is structurally impossible and constitutes furnishing information that is inaccurate under FCRA Section 623 ( a ) ( 1 ) ( A ). 

After the loan was charged off in XXXX, Equifax and TransUnion continue to report new delinquency statuses each month, including multiple years of 90+ days late or repeated charge-off codes for XXXX, XXXX, XXXX, and XXXX. Once an account is charged off, it can not accrue new late payments or be repeatedly charged off again. This violates Metro-2 reporting standards and results in misleading information.

I disputed this account with all three credit bureaus. Experian verified the account as accurate despite the contradictory data and impossible loan term. Equifax updated some fields but left the inaccurate 7-month term and the postcharge-off delinquency reporting unchanged. TransUnion conducted the most serious error by applying the furnishers reinvestigation response to a different XXXX XXXX XXXX account that was paid in full and never disputed. The disputed derogatory account was not corrected. This indicates that TransUnion did not match my dispute to the correct tradeline. 

Because the loan term, payment chronology, and delinquency reporting all conflict with one another, the information furnished can not be considered accurate or verifiable. All three credit bureaus reinvestigations failed to correct these inaccuracies.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
SUNRISE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE 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 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 2025-11-24 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: GA

Complaint narrative:
I am disputing the following charged-off accounts with TransUnion because the information is inaccurate or can not be verified in compliance with FCRA reporting standards. I am requesting an investigation and removal of any unverifiable or incorrect data. 

Accounts in Dispute Charged Off : XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$440.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$40000.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-24 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-11-24 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 Sir/Madam, I am writing to dispute several entries on my credit report as of [ insert date ]. Below is a list of the disputed accounts, and I believe the following information is either incorrect or incomplete. Please conduct a full review and correction of these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES : XXXX, XX/XX/year> I dispute this inquiry as I have no record of authorizing it. Kindly investigate and remove it. 

XXXX, XX/XX/year> Please verify the legitimacy of this inquiry and remove it if it is found to be unauthorized. 

LATE PAYMENTS : XXXX, XXXX I believe the reported late payment for XXXX is inaccurate. Kindly confirm the payment history with the creditor. 

XXXX  XXXX XXXX, XXXX I am requesting verification for the reported late payment on this account as I believe it to be erroneous. 

XXXX XXXX This late payment does not reflect my actual payment behavior, and I request an investigation into this matter. 

XXXX, XXXX Please confirm whether the reported late payment for XXXX XXXX is correct, as I dispute the accuracy of this entry.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

Company response to consumer: Closed with explanation