vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
I disputed an account reported by XXXX XXXX  with all three credit bureaus ( Experian, XXXX, and XXXX  ). My dispute challenged the accuracy, validity, and authorization of the account and requested full documentation, including verification of the debt and legal authority to report it. 

Experian accepted my dispute without requiring additional ID and has not provided any results or communication within the XXXX period required under the Fair Credit Reporting Act ( FCRA ). Equifax and TransUnion initially requested identity verification, which I provided shortly after. 

As of today, XX/XX/year>, I have not received any communication, documentation, or verification from XXXX XXXX  regarding this account from any bureau. XXXX XXXX has failed to respond to my dispute entirely. This is a violation of FCRA XXXX XXXX, which requires a response within 30 days. 

I am requesting immediate removal of this account from my credit report due to XXXX XXXX  failure to verify the debt and the bureaus failure to complete their reinvestigation within the legal timeframe.

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 2025-06-15 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: NY

Complaint narrative:
I opened a Chase Sapphire Preferred credit card on XX/XX/year>, under a XXXX welcome bonus offer for spending {$4000.00}. In early XXXX, Chase launched a new XXXX offer for the same card, requiring {$5000.00} in spending. 

I called Chase shortly after the new offer became available and asked if I could be matched. A representative verbally confirmed that I could qualify and said they would add a note to my account. I was told that if I spent {$5000.00} within the first 3 months, I would receive the XXXX bonus. 

After I reached {$4000.00} in spending and received the XXXX points, I called again to confirm next steps. A second Chase representative verbally reassured me that if I spent a total of {$5000.00} in the first 3 months, I would receive the remaining XXXX points to match the new offer. 

I followed those instructions and completed the {$5000.00} spend within the promotional window. However, Chase did not award the additional points. When I followed up again, I was told they would not honor the offer. Their secure messages gave inconsistent reasons one said the offer wasnt available, another claimed I missed the spend deadline ( which I did not ).

This feels misleading. I was verbally assured twice by Chase agents that I would receive the full XXXX points if I followed their instructions. I complied, but the promise was not honored. I believe Chase records customer service calls, and I ask that the CFPB request a review of those recordings. 

I am requesting that Chase award the full XXXX bonus, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
I have been contacted electronically by the debt collection agency known as Hunter Warfield. They did not sent a validation letter by mail to verify or validate the debt, but instead sent an email only. The alleged debt is from an apartment complex called, " XXXX XXXX XXXX. '' I have never once resided at or had any transactions with any such institution under that name, nor would it be possible for anyone to provide such evidence because it does not exist. I ask for cease of contact immediately unless the institution can provide the following ; Contract between myself and XXXX, itemized list of charges, receipts of repairs if any of the items charged are for repairs, proof of when the itemized list was sent within 30 days after the end of tenancy, and proof of when Hunter Warfield got permission to contact me via email and omitting US postal communication. All of what I am asking for is required by law and therefore it should be no problem providing the evidence requested if the alleged debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am the victim of identity theft and discovered multiple unauthorized inquiries on my XXXX  report. These inquiries were made by Truist Bank ( twice ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. I never applied for accounts with any of these institutions and did not authorize any applications. These entries were made fraudulently using my personal information without my knowledge or consent. I have filed an identity theft report with the FTC and am requesting that ChexSystems remove all unauthorized inquiries and block any associated records under FCRA Section 605B. These entries are damaging my reputation and consumer file, and I demand immediate deletion of all fraudulent data.

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 2025-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX Beach XXXX XXXX Arverne, NY XXXX XXXX XXXX Subject : Dispute of Charge-Off Request for Investigation Under the Fair Credit Reporting Act I am writing to formally dispute inaccurate and/or incomplete information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Specifically, I am disputing the charged-off account reported by Jefferson Capital Systems XXXX account number : XXXX. I have obtained a copy of my credit report from your agency, and I believe this item is either inaccurately reported, incomplete, or unverifiable. I respectfully request that you conduct a full investigation into this account, as required by law. 

In accordance with the FCRA : Under Section 611 ( 15 U.S. Code 1681i ), you are obligated to investigate my dispute within 30 days of receipt. 
If the information can not be verified, it must be deleted from my credit report. 
If any correction is made, or if the item is deleted, I request that a corrected copy of my credit report be sent to me. 
Please also provide me with the name, address, and phone number of the entity that verified the account, if applicable. 

Please confirm receipt of this letter and notify me of the results of your investigation. If this charge-off can not be verified with proper documentation, I request that it be promptly removed from my credit file. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Early Warning Services, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX ID Type : Drivers Licenses ID # : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation on the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 

Bank : XXXX XXXX XXXXXXXX ( Open date : Unknown ) Account # : XXXX Routing # : XXXX Bank : XXXX ( Open date : Unknown ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX  ( Open date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX ( Open date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Open date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Open date : XX/XX/XXXX ) Account # XXXX Routing # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning consumer report immediately! Ive attached a copy of this report to this request. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Financial  Corporation
State: IL

Complaint narrative:
This company is reporting inaccurate information on my credit report that is not correct please delete this off my credit report

Company response to consumer: Untimely response
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company is reporting inaccurate information on my credit report that is not correct please delete this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted formal disputes to Experian for multiple accounts that I believe were inaccurately or unlawfully reported. These included accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian marked these accounts as verified or updated, but failed to provide the required notice under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). I was not informed of my right to add a XXXX consumer statement, nor did I receive a proper description of the verification process or the contact details of the furnishers. 

This is a violation of federal law and renders the reinvestigation process legally invalid. I am requesting full deletion of these tradelines and a compliance review of Experians dispute handling procedures. 

I have attached a screenshot showing the outcome of my Experian disputes to support this complaint and verify the accounts referenced.

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 2025-06-15 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: PA

Complaint narrative:
To Whom It XXXX Concern : I am writing to dispute inaccurate and unauthorized information listed on my credit report. This relates to an account with XXXX, listed under account number XXXX, and reported by a third-party debt collection agency, XXXX XXXX XXXX. 



Dispute Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Nature of Dispute : I have no knowledge or records of ever opening an account with XXXX. I do not acknowledge this debt. I have previously contacted the collection agency and, under 15 U.S. Code 1692c, requested that they cease all further communications.

This account is being falsely reported and is damaging my creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am requesting that you immediately investigate this item. If the account can not be verified as accurate and belonging to me, it must be promptly removed from my credit report. 

Additionally, please document the results of your investigation and send me a copy of my updated credit report once the matter is resolved. If this account has been furnished by XXXX XXXX XXXX, they are also in potential violation of the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection activity after receiving a written request to cease communication. 

Enclosed are copies of my identification and any relevant documents to assist in your investigation. 
Thank you for your immediate attention to this matter. I expect a written response within the 30-day investigation period as required by law. 

Sincerely, 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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
It has been almost a year and a half and Wells Fargo tried to offer me {$1300.00} for {$5000.00} that was taken out of my account from somewhere in Pennsylvania and then when they try to send me the {$1300.00} they then stopped the payment and took it back and I have had nothing but heartache with these people and then I found out there was a lawsuit against them so I'm very upset that they will not give me back my {$5000.00} and I have no way to prove all of this except for what they have and my phone number is not the same it is XXXXbecause they never sent me anything even when I asked for all of my paperwork

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Fraud Department Subject : Dispute of Unauthorized Fraud Alert Placement Under FCRA To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a fraud alert that has been unlawfully placed on my credit file by Equifax. I did not request, authorize, or consent to the placement of a fraud alert on my credit report. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-1, a fraud alert may only be placed upon the explicit request of the consumer, who must affirm in writing that they believe they have been or are about to become a victim of fraud. I have made no such claim and provided no such authorization.

The presence of this unauthorized fraud alert has negatively affected my ability to obtain credit and other financial services, and constitutes a willful and/or negligent violation of the FCRA and my rights as a consumer. Specifically, Equifax appears to have violated : FCRA 1681c-1 ( Unauthorized placement of fraud alert ) FCRA 1681e ( b ) ( Failure to maintain accurate information ) FCRA 1681i ( Failure to reinvestigate disputed information ) I demand the immediate removal of the unauthorized fraud alert from my credit file and request a written confirmation of the removal, as well as an explanation as to how and why this alert was added without my consent.

Please process this request within the timeline required by law. I am attaching a copy of my government-issued photo ID and a utility bill or bank statement as proof of my identity and address. 



If this matter is not resolved promptly and in compliance with federal law, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and will consider legal action to protect my rights. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a formal dispute with all three credit bureaus regarding a closed account from XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ). The reporting of this account is materially inaccurate and non-uniform across Equifax, Experian, and TransUnion, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Summary of FCRA Violations : 607 ( b ) : Inaccuracy and inconsistency across CRAs Equifax shows a " last updated '' date of XX/XX/XXXX, which is inconsistent with closure and final payment status. This raises concerns of unlawful re-aging.

TransUnion and Experian last reported the account in XXXX, suggesting it was closed years earlier.

Experian also reports a 30-day late mark, while Equifax and TransUnion show the account as current or paid as agreed, creating further material conflicts. 

623 ( a ) ( 3 ) : Failure to reflect a dispute The account does not reflect any dispute notation on any of the reports, despite my prior disputes a clear violation if the account was challenged and not marked accordingly.

611 : Inadequate reinvestigation The ongoing inconsistencies in delinquency status, dates, and reporting history suggest that no proper reinvestigation has taken place.

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 2025-06-15 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: MO

Complaint narrative:
I formally disputed the reporting of an open XXXX XXXX XXXX auto loan account ( Account # : XXXXXXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} ) due to material inaccuracies and FCRA violations across Equifax, Experian, and TransUnion. Despite my disputes, the account continues to be misreported. 

FCRA Violations and Inconsistencies : 607 ( b ) : Failure to ensure accuracy and consistency Delinquency status is conflicting : Experian : 180 days past due TransUnion : 120 days past due Equifax : different tier entirely Last activity or update dates are inconsistent : Equifax shows a recent update as of XX/XX/XXXX Experian lists last activity as XX/XX/XXXX Reporting/verification dates do not align between CRAs 623 ( a ) ( 3 ) : Failure to reflect dispute status Dispute status is shown on some reports but missing from Equifax, violating the requirement to indicate that an account is disputed across all CRAs.

611 : Failure to conduct proper reinvestigation Despite multiple discrepancies and a prior dispute, no meaningful correction or uniformity has been achieved. The inconsistencies continue, harming my credit profile.

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 2025-06-15 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: FL

Complaint narrative:
I am filing a complaint against both XXXX XXXXXXXX and Experian regarding a charged-off credit card account that is being reported with significant factual inaccuracies and legal violations under the Fair Credit Reporting Act ( FCRA ). 

This account reports a charge-off amount of {$460.00} on a {$300.00} credit limit, which raises questions about accuracy and overlimit practices. Additionally, the account is marked both paid in full for less than full balance and settled, which are conflicting and misleading terms. Experian continues to report delinquencies and a charge-off status for nearly a year after the charge-off date ( XX/XX/year> ), which is a form of re-aging and unlawful under FCRA 623 ( a ) ( 5 ).

Furthermore, the Date of First Delinquency ( DOFD ) is not listed, and the account is set to remain on file until XXXX XXXX extending beyond the seven-year legal reporting limit allowed under FCRA 605 ( c ) ( 1 ).

I previously disputed this account with Experian, but they marked it as investigation complete without making any corrections, despite these clear issues. This failure to resolve the dispute constitutes a violation of FCRA 1681i ( a ) ( 5 ) ( A ). 

I am requesting the immediate deletion of this account or full correction in accordance with federal law. Ive attached supporting documents including my ID, proof of address, and screenshots of the report in question. PLEASE ALSO SEE ATTACHED DOCUMENTS.

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 2025-06-15 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: NJ

Complaint narrative:
I noticed an unauthorized and fraudulent account on my credit report. Please remove hard inquiry and fraudulent account off my credit report.

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 2025-06-15 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: LEXISNEXIS
State: GA

Complaint narrative:
In the past two months I, XXXX XXXX have submitted multiple disputes LexisNexis to : Cease reporting and deletion of my entire consumer file from LexisNexis database, LexisNexis have failed to do so after receiving my dispute. LexisNexis also is refusing other mailed disputes I have sent them recently this past XXXX, by forwarding the letters back to my address.

Company response to consumer: Closed with explanation