vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I purchased multiple items through XXXX XXXX that never got delivered to my house, after a few days I reached out to XXXX XXXX and they admitted my stuff was indeed mid delivered, after waiting for replacements I called back and they changed it to the items were delivered and they would take no action. So I disputed the charges with Chase card services. It seemed everytime they called I was at work driving the school bus and when I would return the call no one in that department was available, so they ended up closing the dispute not on my favor. I asked for a review of that decision as XXXX XXXX was working with me trying to get ahold of the merchants during this time a neighbor had come over and brought some stuff he received in the mail a few weeks earlier that he forgot he had, it was indeed a few of the items I was missing but not all. I had already purchased the items again so I just wanted to return them. XXXX XXXX returned one for me and the merchant admits to receiving the items again but claims it was not returned as it was sent so he refused to refund or resend back the item, the other company has never responded and I see online is in the middle of selling out to another company but I have the receipt from the post office showing it was returned and when. And the other items were successfully refunded, only 2 items were never received and I was told I was out of luck because all these proceedings took so long to resolve and now Chase is telling me Im responsible for the {$1100.00} balance when {$900.00} of that I have proof I returned and never got refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
After reviewing a copy of my credit report, I noticed that I have fraudulent collections listed on my credit report. The negative collections have affected my ability to obtain new credit.I have been a victim of identity theft. Please delete the negative collections.

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 2025-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified 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 XXXX XXXXXX/XX/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 2025-07-12 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: PA

Complaint narrative:
I am filing this complaint regarding three collection accounts currently being reported on my credit reports by : 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 On XX/XX/year>, I sent a formal dispute letter under Section 609 of the Fair Credit Reporting Act ( FCRA ) to the credit bureaus, requesting full verification of these debts, including : A signed contract or agreement Itemized billing statements Proof of assignment or chain of custody Verification that the information was confirmed before reporting To date, none of the collectors nor the credit bureaus have provided any of this documentation. Despite this, the accounts remain on my credit reports and are still being reported as accurate and verified.

These accounts are negatively impacting my credit score, contributing to recent credit denials, and causing ongoing emotional and financial stress. I have an extended fraud alert on file, and these agencies also failed to comply with FCRA 605A, which requires them to take extra steps to verify my identity before reporting new or disputed derogatory information.

ACTION! 
I am requesting the immediate deletion of these three collection accounts from all credit reporting agencies ( TransUnion, Equifax, and Experian ) due to : Failure to respond to my XX/XX/year> dispute Failure to verify the debt under FCRA 609 and 611 Ongoing inaccurate reporting that violates federal law I have attached my original 609 letter, ID, and credit report excerpts to support this complaint. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I would like to dispute a inaccurate information on my credit report. I recently reviewed my credit file and found an account that does not belong to me.The details are as follows : 1. creditor name : Spring Goak Cap 2. account number : XXXX 3.Opened XXXX XXXX XXXX. Reported XXXX XXXX Status charged-off This account is not mine.I have never opened or authorized any account with Spring Goak cap i believe this maybe a case of identity theft or a reporting error. I request that this account be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
Company : Remitly Transaction IDs : XXXX and XXXX Date of Transfer : XX/XX/2025 Issue Type : Money was not delivered I made two international money transfers through Remitly on XX/XX/2025, to my account at XXXX XXXX XXXXXXXX. Both transactions ( IDs listed above ) are marked as completed on Remitly, but no funds were received in my XXXXXXXX XXXX account. 

I contacted XXXX XXXX XXXXXXXX, and they have confirmed in writing that no such funds have been credited to my or any account under the provided account number. 

I contacted Remitly via email at XXXXremitlyXXXX  on [ XX/XX/XXXX XXXX ], and I have not received any response after more than 7 days. 
Texted their support agent through XXXX almost every XXXX hours but nothing happend since. 

This delay is financially stressful, and the lack of communication from Remitly is unacceptable. 

I am requesting the immediate return of my funds or successful delivery to the intended account. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
After reviewing a copy of my credit report, I noticed that I have fraudulent collections listed on my credit report. The negative collections have affected my ability to obtain new credit.I have been a victim of identity theft. Please delete the negative collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
After reviewing a copy of my credit report, I noticed that I have fraudulent collections listed on my credit report. The negative collections have affected my ability to obtain new credit.I have been a victim of identity theft. Please delete the negative collections.

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 2025-07-12 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: IL

Complaint narrative:
Accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts, and their presence on my credit report is completely unacceptable. This false reporting presents misleading information about my financial history and is a serious violation of my rights. 
I take the accuracy of my credit profile very seriously. I request immediate clarification regarding the origin of these accounts and who is responsible for reporting them.

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 2025-07-12 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:
This is a formal request for the removal of an address that does not belong to me and is inaccurately reported on my credit file. As required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are obligated to maintain accurate consumer information. I have never resided at this address, and its continued appearance constitutes a violation of your duty to report correct data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the immediate deletion of an address that is incorrectly listed on my credit report. I have attached proof of my current and past residences, and this disputed address is not among them.

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LEXISNEXIS
State: MS

Complaint narrative:
I am confused by your recent correspondence dated XX/XX/year>, as I previously responded to the initial email from the escalation department on XX/XX/XXXX at XXXX XXXX CST. In that response, I provided the supportive documents via email and uploaded the same information on to the consumer portal. 
Therefore, I am unsure if you are referring to the documents I submitted, which include my light bill and tax form reflecting my full name, current address, and zip code. Both documents contain verification of my identity, which I believe should have expedited the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please see all attached documents for supporting evidence related to my formal complaint against XXXXXXXX XXXX 
These attachments include : Copies of my loan agreements Dispute resolutions confirming cancellation/refund Screenshots of the false credit report entry from Experian Communication history with XXXX customer support I respectfully request a thorough investigation and immediate correction of the inaccurate credit reporting

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 2025-07-12 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:
XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all 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 2025-07-12 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: FL

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed.

* * All these items will be required or under FCRA these illegal items must be removed within 30 days * * An explanation of what this illegal account is for.

Documentation that shows I agree to pay this illegal debt The agreement that grants you authority to collect on this alleged illegal debt A copy of your state license, including state number.

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX XXXX  . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX  report. 

Remove all negative fraudulent items not associated with me!

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX  Date Opened XX/XX/XXXX Balance {$550.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$610.00}

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 2025-07-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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