vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
In XXXX, I completed a full move-out inspection with a witness present. At that time, I was told everything was up to standard, no cleaning or repairs were needed, and that I was good to go. About a year later, ( XXXX ) I received a call from a debt collector claiming I owed {$260.00} to the apartment complex. When I contacted the complex for clarification, they told me the charge was for a cleaning fee. 

I asked why this issue was never mentioned during my inspection, and they stated that letters had been mailed to meletters I never received. When I asked if I could resolve the matter directly with the complex, I was told it was now strictly between me and the debt collection agency. 

The agency informed me I could pay either in full or in installments, but that the debt would remain on my credit report regardless. In XXXX, I emailed XXXX XXXX once again requesting proof that a cleaning service was hired. They provided only minimal evidenceone dirty vent and some residue from oven cleaning supplies. I explained that none of this was mentioned at my inspection and asked for a detailed receipt justifying the {$260.00} charge. Their response was that they would no longer answer any further questions. 

To this day, the debt collection agency continues to refuse removing the account from my credit report, even if I pay it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-30 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from XXXX XXXX XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: VA

Complaint narrative:
Someone hacked my account and took all my money please help me cashapp closed my account and will not help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and potentially unlawful credit reporting by multiple furnishers. Specifically, this complaint concerns the reaging of debt and ongoing reporting of late payments on accounts that have been charged off or closed, causing significant and unfair harm to my credit profile. 
XXXX. XXXX XXXX XXXX This account was charged off in XX/XX/XXXX. 
Since then, it has been reporting new late payments each month from XX/XX/XXXX through the present. 
Once an account is charged off, no new billing cycle should be occurring, and no new delinquencies should be reported. 
This appears to be a case of reaging, as the account is being made to look as though it is newly delinquent each month, which is misleading and harmful. 
XXXX. USAA This account was closed on XX/XX/XXXX. 
Despite closure, it is reporting XXXX late payments every month since that date through to the present. 
As no new payments should be due after an account is closed, this repeated reporting of severe delinquency each month is inaccurate and possibly a case of improper reaging. 
XXXX. USAA This account was closed on XX/XX/XXXX, and reported as a charge-off. 
Like the other XXXX accounts, it is showing monthly late payments post-closure/charge-off, which is inconsistent with proper credit reporting standards. 
This too appears to be reaging, creating the false impression that I am repeatedly falling behind on an account that is no longer active. 
Action Taken I have already disputed this information with the credit reporting agencies, requesting : Proof that there were active billing cycles and due dates each month after the account closures or charge-offs. 
Verification that I genuinely became XXXX days delinquent each month, as reported. 
To date, I have not received any evidence supporting the ongoing delinquency reporting, and the credit reports remain unchanged. 
Why This Is Harmful This kind of inaccurate reporting is not only damaging to my credit score, but it also falsely portrays me as continuously delinquent on accounts that should be static. The continued reporting of fresh late payments after a charge-off or closure is : Highly misleading to creditors and potential lenders ; A potential violation of the Fair Credit Reporting Act ; A form of unfair reaging, which may be illegal under both federal and state 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 2025-09-30 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:
PLEASE BLOCK AND REMOVE. 
This account is invalid and should be deleted immediately. I did not authorize or approve it. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 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: FL

Complaint narrative:
I am seeking a refund in the amount of {$870.00} for rebooking a trip which was cancelled due to negligence by Chase XXXX. 

On XX/XX/XXXX, I purchased airfare via Chase XXXX for an international trip for myself, and my Spouse ( XXXX XXXX ) ( Trip ID # XXXX ). The trip total was {$2500.00}. After booking I made XXXX name change requests, to correct my spouse 's name. I made these requests by speaking with Chase XXXX support via their customer service support line ( XXXX ). I was informed via the phone that the name change requests were submitted successfully. 

The day before the flight ( XX/XX/XXXX ), I proceeded to check-in and discovered the Check-in page did not contain my XXXX name. I contacted Chase XXXX, via the Customer service phone line, and was informed that her seat was cancelled and never reissued. I was informed that there was nothing Chase XXXX could do, and directed me to purchase another airline seat at my own expense. I purchased another airline seat for my spouse, for {$2100.00} on XX/XX/XXXX via XXXX XXXX directly. 

Due to Chase XXXX  negligence, my spouses airline ticket was never reissued, which caused me to double-pay for my spouse 's ticket XXXX day before the flight. This was extremely upsetting and completely unexpected. 

I spoke with all parties, including Chase XXXX, the airline ( XXXX XXXX ). I requested compensation for this issue, and none was given. I submitted an insurance claim ( Claim ID : XXXX ) via Chase Card Benefits and was approved {$1200.00} for Trip Cancellation which partially covers the replacement airfare of {$2100.00}. I am seeking the full amount, which is an additional {$870.00}. 

Chase XXXX Benefits does not cover the full amount of the replacement airfare as the insurance policy covers only the original amount paid, not the replacement amount. The replacement cost was substantially higher due to the airlines dynamic pricing raising the airfare price for a last-minute seat on the flight. 

I am holding Chase XXXX accountable for this issue, as I was informed by their customer service team that the Name Change Request was successful. Due to this negligence by Chase XXXX, my spouses ticket was never reissued, resulting in my need to purchase an additional seat at my own expense at a much higher fare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
Hi i just checked my credit report it says my account went in to collections due to con XXXX bill of {$3700.00} i have never owed con XXXX any electricity bill it states the address listed on that bill is my previous address and i have not lived there for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX 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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have an auto loan with American Honda XXXX. My monthly payment is {$770.00}, and I have mostly consistently made my payments besides personal things that have happened in my life. However, I recently discovered that the finance company incorrectly listed my loan under the wrong Social Security Number. As a result, none of my payment history has been reported to the credit bureaus since the start of my loan. Because of this error, my credit has not reflected my on-time payments, and now I am being shown as late for this months payment, even though the reporting issue was caused by their mistake. This situation is unfairly harming my credit profile and could impact my ability to secure future credit. I am requesting the following resolution : Immediate correction of my Social Security Number on file. 
Backdating and reporting of my full and accurate payment history to all three credit bureaus ( XXXX XXXX XXXX XXXX ). 
Removal, refund or waiver of any late fees associated with this issue. 
Written assurance that no negative marks ( such as late payments ) will be reported to my credit file as a result of this error. 
I have documentation of my payments and communication with the lender confirming the mistake, and I am prepared to provide it. I ask that this matter be resolved promptly to avoid further harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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