vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Phone : XXXX Date : XX/XX/XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting, Failure to Investigate, and Violations of FCRA To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against the nationwide consumer reporting agencies ( XXXX XXXX XXXX XXXX ) for knowingly and willfully reporting inaccurate information on my consumer credit file, and for failing to perform a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Background Facts 1. I have recently identified multiple inaccurate and fraudulent entries on my credit reports connected to an address that has no relation to me : XXXX XXXX XXXX XXXX, XXXX, NY I have never lived at this address, and my valid government-issued identification proves that my only lawful residence is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 2. Despite submitting an FTC Identity Theft Report and written disputes with supporting identification, the credit bureaus have continued to report accounts and inquiries tied to the false XXXX address, in violation of their legal obligations. 
3. Specifically, the following hard inquiries appear on my reports without my authorization and are connected to the fraudulent XXXX address : XXXX XX/XX/XXXX JPMCB AUTO XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. In addition, JP Morgan Chase Auto opened and reported an account using the mismatched XXXX address. This account is tied to a motor vehicle that was fraudulently registered without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account No. : XXXX 5. These inaccuracies have severely damaged my credit profile, causing my scores to drop from the XXXX into the XXXX range, impacting my ability to secure housing, employment, and financial stability. 



Violations of Law The credit bureaus continued reporting of inaccurate addresses, fraudulent inquiries, and mismatched account information constitute direct violations of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of consumer reports.

15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation after receiving disputes with supporting documents.

15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft upon receipt of an FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I received a notice that a writ of summons has been filed to garnish my wages today, XX/XX/year>. I am not aware of this debt and I was never properly served nor given a chain of custody for the original debt from the creditor with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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 1666b ( a ) Time to make payments A creditor XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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!

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

Complaint narrative:
Account is duplicate on credit report when should have been closed but appears on credit report twice one is closed other is open in delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: UT

Complaint narrative:
Heres a strong, clear version you can paste into the What happened? box : On XX/XX/2025, I placed a {$250.00} order deposit with Tesla, and on XX/XX/2025, I placed a {$500.00} order deposit. Tesla denied my financing applications.

Through my original CFPB complaint ( Ref : XXXX ), Tesla responded on XX/XX/2025, confirming that I was eligible for refunds of both deposits ( {$250.00} + {$500.00} = {$750.00} ). 

Tesla only refunded the {$500.00} deposit. The {$250.00} deposit has not been returned, despite Teslas written commitment to the CFPB that both would be refunded.

I am requesting CFPBs assistance to ensure Tesla completes the full {$750.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing this complaint because LexisNexis has failed to comply with its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of the negative information reported in my file. 

I have repeatedly requested that they verify the accuracy of the information through the original source, which in this case is the court. However, LexisNexis has repeatedly closed my disputes with evasive and unfounded excuses such as : Claiming they could not continue the investigation because they supposedly do not have a copy of my drivers license. 
Stating that they attempted to contact me by phone but were unable to reach me. 

These justifications are merely attempts to avoid their responsibility, as none of them eliminate their legal duty to verify directly with the court, which is the primary and reliable source of this information. 

The fact that LexisNexis refuses to verify information directly with the court demonstrates a violation of the FCRA, since they are closing my disputes without conducting a reasonable investigation and without relying on the original source. 

I respectfully request that the CFPB intervene to ensure LexisNexis complies with the law by : 1. Verifying the information directly with the court, as the original source.

2. Immediately deleting any negative information that can not be properly verified.

3. Monitoring and sanctioning LexisNexis for its repeated practice of closing disputes with administrative excuses instead of complying with the law.

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

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA.

Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 

Details of the Disputed Account Account Number : XXXX Account Name : XXXX XXXX XXXX. 

This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me. 

FCRA Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) : Reinserted items must not be placed back into a consumers file unless the furnisher certifies the accuracy and completeness of the information, and written notice is provided to the consumer within XXXX business days. You failed to comply. 

15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : You are required to conduct a reasonable reinvestigation of disputed items. No such proper reinvestigation has occurred. 

15 U.S.C. XXXX ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Allowing an unverifiable and inaccurate item to reappear demonstrates reckless disregard of this duty. 

15 U.S.C. XXXX : You are required to block and remove information that is the subject of identity theft or inaccurate reporting upon notification. Reinsertion of unverifiable data is a clear violation. 

15 U.S.C. XXXX and XXXX : Willful and negligent noncompliance with the FCRA subjects you to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages. 

Demands Accordingly, I demand the following : Immediate deletion and permanent blocking of this account from my credit file. 
Written confirmation within XXXX days that this account has been permanently deleted and will not be reinserted in the future without full compliance with 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ). 

Compensation for damages caused by your unlawful reinsertion, including but not limited to {$1000.00} per violation as allowed under 15 U.S.C. XXXX, as well as any actual damages sustained.

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

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-09-09 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:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TRANSUNION credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-09 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: NY

Complaint narrative:
I am submitting this complaint regarding fraudulent accounts that have appeared on my credit report. These accounts do not belong to me and are the result of identity theft. The accounts are as follows : XXXX XXXX account in the amount of {$570.00} XXXX XXXX Account in the amount of {$460.00} I have never applied for or opened these accounts and have no knowledge of them. I have already disputed these items directly with the credit bureaus and provided proof of my identity and supporting documentation, but the accounts remain and continue to harm my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting. Fraudulent accounts should be blocked and permanently removed from my file under Section 605B. I am requesting that these accounts be fully investigated, blocked, and deleted, and that I receive written confirmation of the outcome.

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 2025-09-09 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: NY

Complaint narrative:
I am submitting this complaint regarding fraudulent accounts that have appeared on my credit report. These accounts do not belong to me and are the result of identity theft. The accounts are as follows : XXXX XXXX account in the amount of {$570.00} XXXX XXXX Account in the amount of {$460.00} I have never applied for or opened these accounts and have no knowledge of them. I have already disputed these items directly with the credit bureaus and provided proof of my identity and supporting documentation, but the accounts remain and continue to harm my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting. Fraudulent accounts should be blocked and permanently removed from my file under Section 605B. I am requesting that these accounts be fully investigated, blocked, and deleted, and that I receive written confirmation of the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app refuses to give me a refund I was scammed do to their company failure

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

Complaint narrative:
I was a victim of the Equifax Breach Settlement. Reference number # XXXX, and I was referred by the Assisted Identity Restoration Services of Experian, in which the CFPB and the FTC have failed miserably in properly handling my complaint against the unauthorized account with XXXX XXXX opened on XX/XX/year>, and it is currently delinquent with an outstanding balance of {$230.00}. In addition, XXXX XXXX XXXX XXXX  loan appears on the reports as " charged off '' for {$9500.00}. I do not own a vehicle, as this was either mistaken identity, a mixed file, or identity theft. I contacted them in XXXX 2025 to report a " hard inquiry '' that I did not authorize. The customer service credit department reassured me that the unauthorized inquiry would be removed ; however, it was not removed, and as a result, an account was opened without my approval or authorization. In addition, I requested a Debt Validation record of the charges, but they have not complied, in violation of the Fair Credit Reporting Act ( FCRA ). This erroneous and fraudulent account continues to be reported by the 3 CRAs and is hurting my character and credit history. The CFPB report was filed and closed, and referred to the FTC. Yet, the FTC site conveys the same message ... that my case needs to be referred to the CFPB, each platform avoiding accountability to enforce the violations, which does not help me resolve the identity theft of my credit file at all. It is my final warning to the CFPB and the FTC that I will file a federal complaint for violations of the Fair Credit Reporting Act and Title 15, Section 1681c-2 of the U.S. Code is the " Block of information resulting from identity theft '' provision of the Fair Credit Reporting Act ( FCRA ). This law requires consumer reporting agencies ( CRAs ) to " block '' effectively remove information from a consumer 's file that the consumer identifies as resulting from identity theft, after receiving the necessary proof. This proof includes the consumer 's identity, an identity theft report, and an identification of the specific information in question. The CRA must act on this request within four business days.

Company response to consumer: Closed with explanation