vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This collection account reported by XXXX XXXX XXXX for an alleged {$990.00} balance from 06 XXXX  is NOT mine and constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ).

I have never opened, authorized, signed, benefited from, or had any relationship with this creditor. This is a false, unverified, and unlawful reporting of a debt that does not belong to me. 

The furnisher is reporting : Account # : XXXX Placed in collections : XX/XX/year> Last verified : XX/XX/year> Reported balance : {$990.00} with a {$0.00} Original Balance ( internally contradictory and impossible ) FCRA VIOLATION 1681s-2 ( a ) : The furnisher is reporting information they know or should reasonably know is inaccurate. A {$990.00} owed balance with a {$0.00} original balance is an inherently invalid data structure and a clear sign of mixed file, data contamination, or negligent reporting practices.

FCRA VIOLATION 1681e ( b ) : The credit bureaus are required to maintain maximum possible accuracy. Reporting an account that does not belong to me and that contains contradictory balances is a direct violation of this requirement.

FCRA VIOLATION 1681i ( a ) : Upon dispute, the furnisher must conduct a reasonable reinvestigation. Because no contract, no signed agreement, no proof of benefit, and no chain of assignment exists, the account can not be legally verified. Continuing to report it is unlawful.

FCRA VIOLATION 1681s-2 ( b ) : Once notified of my dispute, the furnisher must provide verifiable evidence supporting the validity of the account. They can not verify what does not exist.

I am demanding an immediate deletion of this account from ALL credit bureaus. 

The furnisher MUST provide : A legally valid, original contract containing my signature Evidence that I used, received, or benefited from this alleged account A complete chain of custody/assignment of the debt If XXXX & XXXX or XXXX can not produce these documents, the account MUST be removed immediately as required by federal law. 

This false reporting is causing measurable financial damage, obstructing credit opportunities, and harming my ability to access essential financial services. 

Please record this as a formal notice of multiple FCRA violations. If this inaccurate information is not corrected and deleted promptly, I will escalate this matter through additional regulatory channels and pursue further legal remedies.

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 2025-12-16 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX XXXX : JPMorgan Chase Bank , N.A . 
Account Type : Mortgage Loan Account Number : Ending in XXXX I am submitting this complaint regarding a XXXX late payment that JPMorgan Chase Bank reported to the credit bureaus on my mortgage account referenced above. The original payment due date was XX/XX/XXXX. I had automatic payments enabled on this account and had elected paperless statements. Unknown to me, the automatic payment setting was XXXX on or about XX/XX/XXXX. I did not receive any email, paper, or electronic notification that automatic payments had been turned off or that my XXXX payment had not been received. Upon discovering the issue, I immediately made a double payment on XX/XX/XXXX to fully cure the delinquency. 

Please note that I requested documentation and/or audit records showing when, how, and by whom automatic payments were XXXX on my mortgage account, including any associated authentication, confirmation, or notification records. I also requested confirmation of any notice provided to me regarding the cancellation of autopay or the missed payment. 

I have an otherwise spotless payment history and have never previously missed a mortgage payment. Prior to this incident, my credit score was approximately XXXX, reflecting a long-standing history of on-time payments. 

Despite escalating this matter through my personal banker, branch XXXX, and an executive-level manager, JPMorgan Chase Bank has refused to remove the late payment, stating that the autopay cancellation was considered my error and that they treat all customers the same. 

I respectfully believe this outcome is unfair and inconsistent with reasonable servicing standards, particularly given : My long-standing positive relationship and history of on-time payments The absence of any notification after autopay was XXXX My immediate corrective action upon discovery The disproportionate and long-term harm caused by a single technical error I am requesting that JPMorgan Chase Bank exercise goodwill and remove the reported late payment from all credit bureaus. I am not disputing the payment timing, but rather requesting a reasonable accommodation given the circumstances and lack of notice. 

Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Checks were stolen from our office and then cashed by a known felon and boyfriend of a former employee, who we assume stole the checks. We filed a police report. All of this information was given to Wells Fargo at the end of XXXX. One day after I called WF to notify them of the fraud a letter was sent saying the " investigation '' determined the checks were authorized. I immediately called to reiterate the facts and was told I would receive a call back. I never did receive a call, so I called back again. At this point, by now XX/XX/XXXX, I received a call back from a manager who I told the entire story to again. I called again on XX/XX/year> and was told there had been no status change, the stolen checks, which I have repeatedly said were not authorized, which were cashed by the same felon were somehow categorized as " authorized ''. 
At this point I believe the investigator at the bank is acting in bad faith. He/she has never reached out to me, though I was told several times that he/she would to get further clarification. This has dragged on for a month and a half. I've been a Wells Fargo customer for at least 3 decades and have never experienced such a mismanaged issue.

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 monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see the attached file. PLease remove dispute remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-12-16 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: PA

Complaint narrative:
I submitted a formal credit dispute along with all required identity verification documents, including my government-issued identification, utility bill, Social Security card , and a valid FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute stating that the request did not come from me or an authorized party. No reinvestigation was conducted, and the dispute was dismissed without addressing the accuracy of the information I disputed. Under the Fair Credit Reporting Act, once a consumer submits a dispute with sufficient proof of identity, the credit reporting agency is required to conduct a reasonable reinvestigation. Closing the dispute without doing so constitutes an improper handling of my dispute.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
bank account open in my name i never open or lived in that state like a bank rounting XXXX XXXXXXXX XXXX XXXX citibank XXXX XXXX in XX/XX/XXXX and XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX rounting # XXXX XXXX # XXXX open XX/XX/XXXX and has my info incorrect like id # not mine and truist bank open XX/XX/XXXX r # XXXX XXXX # XXXX and has my wroung id # not mine some one has my id # and SS # and d.o.b.info i filed a police report in my home town of XXXX nc on XXXX and case # XXXX FOR ID FRAUD IF U WANT A COPY OF MY NCDL AND SS # NUMBER PLZ SEND ME SOME INFO ABOUT IT WITH A NUMBER TO CALL TO VERIFY AND POLICE DEPT WILL DO THAT BEFORE XXXX ANY OF MY PERSONAL INFO OVER.

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 2025-12-16 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: TX

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me.

Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Alleged law firm now trying to collect 2 amounts. Fraud and misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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