vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: SC

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 2025-10-20 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: GA

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The personal information on my credit report were outdated.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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
The school is under investigation for allegations of unfair, deceptive and predatory student loan servicing and lending practices. These actions have lead to them misleading me the borrower in to forbearance, deceptive practices for consigner release, predatory subprime lending such as XXXX XXXX and XX/XX/XXXX, botched payment processing by misallocation borrower payments and failure to adequately notify me the borrower in income -driven repayment plans as it relates to the requirement to annually recertify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXX/XX/XXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
These are inaccurate items. They show as late payments.

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 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I was released out of the lease for multiple reason things were stolen out of my property also it was XXXX infested. The property stated I was being released out the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported hard inquiries on my credit file that I did not initiate or authorize. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( c ) ( XXXX ) ( A ) and ( B ) (XX/XX/XXXX), as well as 15 U.S.C. XXXX ( a ) ( XXXX ), which prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is related to a firm offer of credit. 

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these inquiries without proof of a permissible purpose or documented consentsuch as my signed authorizationis unlawful and must be addressed.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Category : Bank account or serviceIssue : Promotions, bonuses, or offers What happened : I am filing this complaint regarding a {$300.00} new customer promotion offered by Chase Bank when opening a checking account. 
On XX/XX/scrub> 2025, I received a promotional link by email from XXXXoffering a {$300.00} bonus for new checking accounts. I followed the instructions, received the cXX/XX/XXXXe, and went to the XXXX XXXX branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, SC ) where XXXX XXXX XXXX XXXX XXXX XXXX opened my account on XX/XX/year>2025. I provided the promotional cXX/XX/XXXXe XXXX XXXX XXXX XXXXduring the account opening. 
I met all requirements for the promotion, including over {$500.00} in direct deposits within the first XXXX months and maintaining the minimum required balance. However, despite fulfilling all terms, I have not received the {$300.00} bonus. 
I have made multiple attempts to resolve this issue directly with Chase : XX/XX/XXXX : First email to XXXX XXXX including the promotional code. 
XX/XX/XXXX : XX/XX/XXXXfollow-up email. 
XX/XX/XXXX : In-person visit to the same branch, where I was told the cXX/XX/XXXXe was invalid. 
XX/XX/XXXX : XX/XX/XXXX email after following instructions through Chase Secure Message. 
XX/XX/XXXX : XX/XX/XXXX email requesting escalation to the XX/XX/XXXX or XX/XX/XXXXteam. 
In addition, I made XXXX phone calls to Chases customer service to follow up, but no clear response or resolution was provided. 
The branch staff told me that my cXX/XX/XXXXe was invalid, but this code was sent directly to me by Chase via email. I was also informed that the case would be escalated, but I have not received any written update in over XXXX months. 
All communications with Chase ( emails and in-person visits ) clearly show that I complied with the promotions terms and acted in good faith. The failure appears to be a system or internal processing error. 
Requested resolution : I respectfully request that Chase honor the {$300.00} promotional bonus as advertised, or provide a detailed written explanation with evidence showing why the cXX/XX/XXXXe was considered invalid. 
Attachments : Promotional email containing the cXX/XX/XXXXe. 
All XXXX email messages sent to Chase representatives. 
PDF bank statement showing XX/XX/XXXXXXXX in direct deposits within the qualifying period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Buying a new home and had to unfreeze my credit reports for the mortgage company. Credit has been run and I am now trying to freeze all 3 of my credit reports but the websites won't allow me to freeze my credit that is current on a temporary unfreeze status until XX/XX/year>. I would like my credit freeze back on all three credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. XXXXb, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXtudent loan account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXstudent loan account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX loan account opened at XX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXXX/XX/XXXX Credit card account opened at XX/XX/XXXXon XX/XX/XXXX account number XXXXXX/XX/XXXXstudent loan account opened at XXXX on XX/XX/XXXX account XXXX XXXXXX/XX/XXXXstudent loan account opened at XXXX on XX/XX/XXXX account XXXX XXXXXX/XX/XXXX collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX collection account opened atXX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXloan account opened atXX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXstudent loan account opened at XXXX on XX/XX/XXXX account XXXX XXXXXX/XX/XXXX student loan account opened at XXXX on XX/XX/XXXX account number student loan account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX XX/XX/XXXXCredit card account account opened at XXXX on XX/XX/XXXX account XXXX XXXXXX/XX/XXXXloan account opened aXX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 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: LA

Complaint narrative:
XXXX ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXX - Account Number XXXX XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXXXX/XX/XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00}XX/XX/XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00}XX/XX/XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXX- Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Nature of Violation This tradeline constitutes continued inaccurate reporting of a paid and current auto loan, in violation of the FCRA and FDCPA, specifically : Re-Aging of Account Data Although the account was paid and current through XXXX, Equifax and TransUnion display new late entries ( XXXX, XXXX, 90 days ) appearing in XXXX, without any actual delinquency. 

Last Activity and Last Reported were artificially updated to XX/XX/XXXX and XX/XX/XXXX, respectively extending the accounts negative status without lawful basis. 

This constitutes falsification of the Date of Last Activity ( XXXX ) and is an explicit violation of FCRA XXXX ( a ) ( XXXX ). 

Misrepresentation of XXXX XXXX All three bureaus show current and OK payments for multiple years, yet simultaneously flag the account as Negative. 

This inconsistency demonstrates negligent and contradictory furnishing in violation of XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ) ( reporting information known or believed to be inaccurate ). 

Failure to Accurately Record Dispute Status Equifax and TransUnion XXXX XXXX disputes this account, while Experian omits the same notation. 

Failing to synchronize dispute indicators across CRAs is a violation of FCRA XXXX ( a ) ( XXXX ) and FDCPA XXXX ( XXXX ). 

Failure to Investigate After Prior Disputes This account has been disputed multiple times ( previous rounds included ), yet the same false late pay pattern reappears. 

This repeated re-reporting after dispute shows noncompliance with 611 ( a ) ( 1 ) ( A ) and willful disregard of reinvestigation duties.

B. Violations Established Statute Violation Summary FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation after consumer dispute.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate or unverifiable data.

FCRA 623 ( a ) ( 3 ) Failing to flag the account as disputed across all CRAs.

FCRA 623 ( a ) ( 5 ) Re-aging of account by falsifying Last Activity and Last Reported dates.

FCRA 1681e ( b ) Failure to maintain maximum possible accuracy across bureaus.

FDCPA 1692e ( 8 ) Failure to communicate that a disputed debt remains disputed.

FDCPA 1692f ( 1 ) Reporting debt or delinquency status not authorized by contract or law. 
XXXX Harm and Pattern of Abuse This case establishes that furnishers like XXXX XXXX / XXXX : Continue reporting Negative statuses despite the account being paid as agreed. 

Use automatic re-aging and monthly revalidation mechanisms to keep the consumers report derogatory, even after resolution. 

Participate in systemic negligence, alongside other furnishers named in this complaint.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$510.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$170.00}

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 2025-10-20 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Im disputing inaccurate and/or unverifiable information on my TransUnion credit file. Please investigate and delete or correct the items below within 30 days, and provide the Method of Verification and the name, address, and telephone number of each furnisher per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 2 ). I also request you confirm permissible purpose for the inquiries listed ( FCRA 604 ) and certify your reasonable procedures to assure maximum possible accuracy ( FCRA 607 ( b ) ).

A. Disputed Tradelines ( delete if not fully verified with original signed records ) 1. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Collection, Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$2500.00}, Last Reported XX/XX/XXXX. Issues : Balance exceeds original high credit ( {$1900.00} ) ; furnisher must possess chain-of-title, original agreement, itemized statement, date of first delinquency ( DOFD ), and proof of assignment. Meets FCRA requirements notation is not verification. Requested remedy : Delete for failure to substantiate under 611/ 623 ( a ) ( 1 ) ( a ) ( 3 ). 
XXXX. XXXX Charge-off, Acct # XXXXXXXX XXXX XXXX XXXX XXXX DOFD XXXX, Last Reported XX/XX/XXXX. Issues : Simultaneous reporting of charged off and purchased by another lender ; inconsistent high-credit values across bureaus ; requires original contract and charge-off calculation support. Remedy : Delete or correct ; provide MoV. 
3. XXXX Charge-off, Acct # XXXXXXXX XXXX XXXX XXXX XXXX, DOFD XXXX, Last Reported XX/XX/XXXX. Issues : Same as above ( conflicting remarks ; needs original contract, itemization, DOFD ). Remedy : Delete or correct ; provide MoV. 
4. XXXX Paid collection/charge-off, Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Last Reported XX/XX/XXXX. Issues : Still coded as collection/chargeoff despite {$0.00} balance and payment after charge-off. Under 623 ( a ) ( 2 ), furnisher must promptly update to avoid misleading status. Remedy : Update to Paid/Closed, {$0.00} balance, no derogatory coding or delete.

B. Inquiries to be removed for lack of permissible purpose ( if not authorized ) Please delete any inquiry for which you can not document my written authorization or a firm offer of credit/insurance under 604. Disputed TransUnion inquiries include ( dates from your file ) : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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