vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding JPMCB CARD SERVICEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. JPMCB CARD SERVICE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

JPMCB CARD SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/year>

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 2025-09-19 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 filing this dispute because my credit report contains inaccurate and unauthorized accounts. I never opened or authorized these accounts, nor was I notified when they were added. On top of that, the information reported across the three credit bureaus is inconsistent, which directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy.

This issue also violates 15 U.S.C. 1681i, which mandates that disputed information be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which guarantees consumers the right to accurate and complete disclosure of their credit file.

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 2025-09-19 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: PA

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened these accounts, never authorized them, and was never informed of their presence. The inconsistent reporting across the three bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting.

This situation also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees my right to complete and accurate disclosures of my credit file.

Supporting documents confirming my identity and evidence of the inaccuracies have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like these fraud alerts to be removed from my credit report. As I did not request this.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SANTANDER XXXXXXXX USAs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SANTANDER XXXX  USA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. SANTANDER XXXX  USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: OK

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. I am filing this dispute because I am in the process of purchasing a home, and numerous inaccurate and unverifiable items have appeared on my credit reports. These false entries are damaging my creditworthiness, interfering with my ability to obtain mortgage approval, and amount to defamation of my character. I respectfully request that these inaccuracies be immediately removed to ensure my credit file accurately reflects my true and lawful financial history. 

- Please see attached dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
charges where made on my account that i do dont remember making

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and derogatory accounts being reported on my credit file. These accounts contain inconsistent, unverifiable, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). These accounts are harming my credit and were not properly verified under FCRA 611. The credit bureaus and furnishers have a legal duty to maintain accurate, complete, and verifiable information. Failure to provide proper documentation or proof of these debts constitutes a violation of both FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and derogatory accounts being reported on my credit file. These accounts contain inconsistent, unverifiable, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). These accounts are harming my credit and were not properly verified under FCRA 611. The credit bureaus and furnishers have a legal duty to maintain accurate, complete, and verifiable information. Failure to provide proper documentation or proof of these debts constitutes a violation of both FCRA and FDCPA.

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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611, I have the right to dispute inaccurate, outdated, or unverifiable information on my credit report and request that it be corrected or deleted. Since the creditor/collector has acknowledged that the account should no longer be reported, I request the CFPBs assistance to ensure this tradeline is removed from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2025-09-19 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:
I am writing to dispute inaccurate information on my credit report. Upon reviewing a recent copy of my report, I discovered fraudulent accounts that do not belong to me. These accounts are negatively impacting my credit and my ability to obtain credit.I request that you promptly investigate and remove these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}

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 explanation
Consumer complaint received 2025-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading reporting of late payments on my credit report, which has severely harmed my credit standing. These reports are not consistent with the account history and are being furnished in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} * * Reported as 30 days late from XX/XX/XXXX through XX/XX/XXXX. 
This reporting is inaccurate and does not reflect the true payment history of this account. Multiple late notations across several months misrepresent the account status and appear to be excessive or duplicative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6200.00} * * Reported as:90 days late ( XX/XX/XXXX XX/XX/XXXX ) 120 days late ( XX/XX/XXXX ) 150 days late ( XX/XX/XXXX ) This progression of late reporting is not consistent with proper credit reporting standards. The account is being shown with escalating delinquencies in a manner that unfairly amplifies negative impact and misrepresents the true circumstances. 
These errors violate : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit reporting agencies to ensure maximum possible accuracy.

FCRA 611 [ 15 U.S.C. 1681i ], requiring agencies to investigate and correct disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ], which prohibits furnishers from reporting information they know or should know is inaccurate.

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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I really dont remember having this card or debt. It was sent to debt XXXXtors, Mildand XXXX, and I was sued for the debt. The evidence of the bills with the debt have my name but the address on all the bills presented has never been an address I have ever lived at. The debt says it is with XXXX XXXX back in XXXX for over {$2000.00} and we went to court in XXXX XXXX XXXX on XX/XX/XXXX where we have an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted disputes to the credit bureaus regarding late payment marks on several open accounts, including my XXXX XXXX  and multiple XXXX XXXX XXXX These accounts are currently open, in good standing, and reflect recent on-time payments. However, my credit reports still show past XXXX and XXXX late payments that are either outdated, inaccurate, or not reflected on other credit bureau reports . Despite requesting reinvestigation under FCRA 1681i, the late marks remain without correction or proper verification, negatively impacting my credit.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
b'Concora CreditXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Unauthorized Charges on Account Ending in XXXXDear Concora Credit,\n\nI sent a letter in XXXX XXXX XXXX to dispute these charges but was ignored by concora credit OR i thought that concora credit was working to resolve this issue again am writing to formally dispute several unauthorized charges on my credit card account ending in XXXX,  Fair credit billing act (FCBA) has been ignored As a senior citizen at XXXX  years old, I take great care to manage my finances, and I was shocked to find these unfamiliar transactions on my statements. I have attached copies of my statements for your reference.\n\nThe charges in question are as follows: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 XXXXThese transactions were not authorized by me, and I believe they are fraudulent. I have never made these purchases or visited the websites associated with these charges. It is unclear how these charges occurred, and I am requesting a full investigation and resolution of this issue.\n\nFurthermore, I am concerned that these unauthorized charges are contributing to the unusually high balance of XXXX  on my account, which I cannot explain. I have rarely used this card, and I am confident that these charges are the cause of the discrepancy.\n\nI respectfully request that you investigate these unauthorized transactions and reverse the charges from my account immediately. Please provide me with confirmation of your findings and any actions taken to resolve this issue.XXXX XXXX XXXX XXXXThank you for your prompt attention to this matter. I trust you will resolve this issue quickly, and I appreciate your help in correcting this situation.\n\nSincerely,\nXXXX XXXX XXXX XXXXAccount Number Ending XXXX XXXX

Company response to consumer: Closed with monetary relief