vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-17 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: NJ

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The personal information on my credit report were outdated.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 non-monetary relief
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I am submitting this formal complaint to request a comprehensive investigation into all delinquent accounts and late payments being reported on my credit file, as well as the immediate removal of the closed SYNCH/ABCWH account, which no longer serves a permissible purpose. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or can not be fully verified. The credit reporting agencies are required to conduct a reasonable reinvestigation and delete any data that can not be confirmed as accurate. Furthermore, under 15 U.S.C. 1681s-2 ( a ), data furnishers must report information with maximum possible accuracy. Any delinquency or late payment entry that can not be substantiated with full and proper documentation must be permanently removed. In addition, the continued reporting of the closed SYNCH/ABCWH account violates 15 U.S.C. 1681b, which restricts the use of consumer reports to cases with a legitimate need and permissible purpose. Since the account is closed and no longer active, its inclusion is not only irrelevant but also unjustifiably damaging to my credit standing. I respectfully request the CFPB to enforce compliance with federal consumer protection laws and ensure that all late payments, delinquent accounts, and the SYNCH/ABCWH entry are verified with documented proof or permanently deleted from my credit report in accordance with the 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 non-monetary relief
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I am submitting this formal complaint to request a comprehensive investigation into all delinquent accounts and late payments being reported on my credit file, as well as the immediate removal of the closed SYNCH/ABCWH account, which no longer serves a permissible purpose. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or can not be fully verified. The credit reporting agencies are required to conduct a reasonable reinvestigation and delete any data that can not be confirmed as accurate. Furthermore, under 15 U.S.C. 1681s-2 ( a ), data furnishers must report information with maximum possible accuracy. Any delinquency or late payment entry that can not be substantiated with full and proper documentation must be permanently removed. In addition, the continued reporting of the closed SYNCH/ABCWH account violates 15 U.S.C. 1681b, which restricts the use of consumer reports to cases with a legitimate need and permissible purpose. Since the account is closed and no longer active, its inclusion is not only irrelevant but also unjustifiably damaging to my credit standing. I respectfully request the CFPB to enforce compliance with federal consumer protection laws and ensure that all late payments, delinquent accounts, and the SYNCH/ABCWH entry are verified with documented proof or permanently deleted from my credit report in accordance with the 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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in validating and investigating the accuracy of the following debt accounts currently being reported on my credit reports with TransUnion, Equifax, and Experian. 

Accounts in Question : Portfolio Recovery Associates Amount : {$1200.00} Account Number : XXXX Portfolio Recovery Associates Amount : {$1300.00} Account Number : XXXX I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request complete validation of these debts. Please provide : A copy of the original signed contract or agreement A full accounting of the debt including the original creditor Verification that you are legally authorized to collect this debt Documentation of the chain of title and ownership of the debt If this information can not be verified, I respectfully request the permanent removal of these accounts from my credit reports. 

Additionally, I am requesting that the Consumer Financial Protection Bureau ensure the credit bureaus remove the following inaccurate or outdated personal information from my credit file, which may be contributing to reporting errors : Personal Information to Remove : Old addresses Previous employment Outdated phone numbers My Current Accurate Information : Current Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Current Phone Number : ( XXXX ) XXXX Please treat this matter with urgency. I expect an investigation and a written response within the time frame required by law. Thank you for your attention and assistance in ensuring the accuracy and fairness of my credit reports. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
THIS IS A DEBT COLLECTOR TRYING TO GET {$1.00} {$1500.00} WHICH THE ORGINAL CREDITOR IIS XXXX XXXX THIS IS NOT MY DEBT AND NEED THIS REMOVED FROM MY CREDIT FILE NOT MIND

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
The debit card was lost, and unauthorized transactions occurred on the card. I was unaware until I received a " fraud email '' from the bank and I immediately contacted the bank once I saw the email the next day. The bank refuses to explain why the claim was denied and will not credit the account. When I re-opened the claim the associate mentioned " I'm not sure why this was denied in the first place, but I can help you re-open. '' Even after re-opening on XX/XX/XXXX they denied it with no explanation. They sent a letter in XXXX denying the re-open which I received today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I solemnly affirm. Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my security number and card along with other personal identifying information without my consent to apply for goods services or funds unfortunately they succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC. Unauthorized Accounts.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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They are closing my account. I am still missing the remaining balance of {$24000.00}. I sent in police report, my hand written report. I am willing to help, support with the investigation. Willing to press charge to who ever running the unauthorized transaction.

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 2025-07-17 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: Self Financial Inc.
State: NJ

Complaint narrative:
I solemnly affirm. Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my security number and card along with other personal identifying information without my consent to apply for goods services or funds unfortunately they succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC. Unauthorized Accounts.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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
AXCESS FINANCIAL account number XXXX XXXX XXXX XXXX XXXX Date closed XX/XX/XXXX date opened XX/XX/XXXX. I'm unaware of this debt and did not have the opportunity to dispute this debt. If you believe that you sent proper notification please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account XXXX XXXX XXXX XXXX XXXX from my report immediately or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 disputing all negative items on my Equifax credit report due to a recent data breach that compromised my personal and financial information. Equifax failed to protect my consumer data and can no longer verify any negative information linked to my file. I have submitted a formal demand under the Fair Credit Reporting Act ( FCRA ) requesting that all negative items be deleted within 48 hours. I am attaching the legal dispute letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
On XX/XX/XXXX, I used apple credit card to pay {$2700.00} to XXXX XXXX XXXX XXXX  to install the fence but the merchant didn't install it correctly then he promised me to come back to fix it but he never came back. 
I wasn't able to communicate with him. He ignored me. I had to pay {$3000.00} to fix my fence by another contractor That was why I seeked for a helping to dispute {$2700.00} but Goldman Sachs bank kept rejecting my dispute so many times eventhough base on the merchant 's evidence I provided my evidences to prove the merchant is a liar and the service was not provided as agreed by the merchant. 
I called and requested the reason why Goldman Sachs bank denied my evidences so they just sent me the same old merchant 's evidence. Goldman sachs bank doesn't have any new merchant 's evidence. The merchant didn't provide new evidence since XX/XX/XXXX. Goldman Sachs bank sent me emails that there is no evidence to substantiate the claim. This is not right. I sent my evidences to goldmans sach bank dispute department by certified mail and I have post office return receipts. Also I submitted my evidences to apple specialists by chatting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks failure to comply with federal laws governing credit reporting and protections XXXX XXXX XXXX XXXX. 

I have been formally identified as a victim of a severe form XXXX XXXX XXXX, as defined under XXXX U.S.C. XXXX ( 11 ). A valid trafficking victim determination letter was issued on my behalf by XXXX XXXX XXXX, a federally recognized organization under the U.S. Department of Health and Human Services. This letter was submitted along with my identity verification and FTC Identity Theft Report to the credit reporting agency XXXX, requesting deletion of all accounts tied to debt bondage, including the charged-off JPMCB account. 

Under FCRA XXXX and XXXX C.F.R. XXXX, JPMorgan Chase Bank and any related furnishers ( such as XXXX XXXX XXXX ) are required to block and remove adverse information that is the result of trafficking once proper documentation is received. Despite this, JPMCB continues to furnish this account to TransUnion, and it remains on my consumer report. 

In addition : The account is reported as charged off, yet I have not received a Form 1099-C, which is required under IRS regulation XXXX C.F.R. XXXX when a debt is discharged. 

The reporting contains Metro 2 compliance errors, including failure to mark the account as disputed, failure to reflect transfer or sale of the account, and inaccurate balance information. 

I have not received any confirmation from JPMCB that they reviewed or investigated the dispute or blocked the account as required by law. 

I am requesting CFPB assistance to ensure that JPMorgan Chase : Immediately deletes this account from all credit reporting agencies, Provides written confirmation of removal, and Clarifies whether a Form 1099-C was filed with the IRS or is pending. 

This account was incurred as a result of coercive and exploitative circumstances and should not remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Inquiries on my report that Im not aware about and I did not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 writing to dispute a collection account fraudulently listed in my credit report. I do not acknowledge any connection with this account, nor have I received any verifiable documentation to support its legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 writing to dispute a bankruptcy that appears on my credit report. I did not file for bankruptcy, and I strongly suspect this entry is the result of identity theft or a clerical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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: WA

Complaint narrative:
I have disputed the XXXX tradeline over 10 times with Experian. The account allegedly charged off in XXXX, yet XXXX continues to report it as a new charge-off every single month from XXXX through XXXX. 

This is misleading, damaging, and appears to be unlawful re-aging of a debt in violation of the FCRA, specifically XXXX ( a ) ( 5 ). There has been no new activity, no payments, and no legal basis to report ongoing charge-off status for four years straight. 

Despite my repeated disputes, the tradeline remains unchanged and continues to suppress my credit unfairly. The last " update '' in XX/XX/XXXX did nothing to correct the error it simply refreshed the same damaging data again. 

This practice not only appears deceptive but is punitive in nature, causing prolonged financial harm without justification. Im requesting the following : Full removal or correction of the XXXX account A formal explanation and documentation of the original charge-off date An investigation into XXXX reporting practices across all bureaus

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal follow-up to my original dispute regarding an account reporting on my credit file called XXXX. Your previous response stated that the information was verified as accurate, yet you failed to provide the method of verification, the name and contact information of the data furnisher, and proof that a reasonable investigation was conducted. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXXi ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a detailed description of how your investigation was conducted, including : 1. The method of verification you used, 2. The name, address, and phone number of the party who verified the account, and 3. Proof that a reasonable investigation occurred. 

If you are unable to provide this information within four ( 4 ) calendar days of receipt of this letter, you must immediately delete the disputed account from my credit file. Failure to comply is a violation of the FCRA and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and civil legal action. 

This is a time-sensitive matter. Please respond in writing to the address listed above. 

Sincerely, 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