vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am submitting this complaint against TransUnion regarding a collection account reported by XXXX XXXX XXXX. This account is marked as Placed for Collection and reflects a balance from a previously charged-off account by XXXX XXXX XXXX which was allegedly sold to XXXX XXXX XXXX XXXX claimed to be purchased by XXXX XXXX XXXX 

I disputed this account via mailed letter with full identity documents and legal language under FCRA. TransUnion dismissed my dispute, citing that the method of mailing ( Mailform ) looked like it came from a third party. This is false I personally submitted this dispute with all proper documentation. 

TransUnion has failed to provide any chain of title, original signed contract, or legal validation for this debt under FCRA 611 ( a ) and 623. They are now reporting a collection account with no proof, while simultaneously blocking my right to dispute based on their personal judgment of my mailing method. 

I am requesting that this account be fully deleted from my TransUnion credit report, or that proof of legal debt ownership and assignment be provided. Failure to respond accurately is a willful violation of my rights under federal 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 2025-06-25 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:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX Experian and Innovis for inaccurately reporting a charged-off account that has been legally canceled through the issuance of a 1099-C form.\n \n ACCOUNT DETAILS:\n\tCreditor/Furnisher: XXXX XXXX\n\tPartial Account Number: XXXX\n\tType of Account: Personal Loan/ Charge-Off\n\tReporting Bureaus: [XXXX, Experian, XXXX   list all that apply]\n \n ISSUE DESCRIPTION:\nThe account referenced above was charged off and later canceled by the creditor, who subsequently issued an IRS Form 1099-C, acknowledging the debt forgiveness.\nDespite this, the creditor and credit bureaus continue to report the account as an active charge-off, which is inaccurate and misleading. This contradicts the IRS record and implies an ongoing obligation, which no longer exists.\n VIOLATIONS:\nThis is a violation of the FCRA, specifically:\n\t 1681s-2(a)(1)(A)  Furnishers must not report information known to be inaccurate\n\t 1681e(b)  Failure to ensure maximum possible accuracy\n\t 1681i  Failure to properly reinvestigate after being notified of a dispute\nThis inaccurate reporting affects my creditworthiness and has led to denials and increased interest rates.\n \n REQUESTED RESOLUTION:\nI am requesting the CFPB to investigate this matter and compel:\n1.\tThe credit bureaus to remove the account immediately from my credit file\n2.\tThe furnisher to cease reporting this debt as a charge-off\n3.\tFull documentation and explanation from the furnisher regarding why this is still reported after debt cancellation'

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 2025-06-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nI am filing a complaint against XXXX XXXX XXXX XXXX Equifax, XXXX XXXX and XXXX  for inaccurately reporting a charged-off account that has been legally canceled through the issuance of a 1099-C form.\n \n ACCOUNT DETAILS:\n\tCreditor/Furnisher: XXXX XXXX\tPartial Account Number: XXXX\tType of Account: Personal Loan/ Charge-Off\n\tReporting Bureaus: [Equifax, XXXX XXXX   list all that apply]\n \n ISSUE DESCRIPTION:\nThe account referenced above was charged off and later canceled by the creditor, who subsequently issued an IRS Form 1099-C, acknowledging the debt forgiveness.\nDespite this, the creditor and credit bureaus continue to report the account as an active charge-off, which is inaccurate and misleading. This contradicts the IRS record and implies an ongoing obligation, which no longer exists.\n VIOLATIONS:\nThis is a violation of the FCRA, specifically:\n\t 1681s-2(a)(1)(A)  Furnishers must not report information known to be inaccurate\n\t 1681e(b)  Failure to ensure maximum possible accuracy\n\t 1681i  Failure to properly reinvestigate after being notified of a dispute\nThis inaccurate reporting affects my creditworthiness and has led to denials and increased interest rates.\n \n REQUESTED RESOLUTION:\nI am requesting the CFPB to investigate this matter and compel:\n1.\tThe credit bureaus to remove the account immediately from my credit file\n2.\tThe furnisher to cease reporting this debt as a charge-off\n3.\tFull documentation and explanation from the furnisher regarding why this is still reported after debt cancellation'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Complaint Type : Consumer Loan Solar Financing Company Name : Dividend Solar Finance LLC Complaint Summary : I financed a solar energy system through Dividend Solar Finance LLC on XX/XX/XXXX ( Loan ID XXXX ) . The vendor, XXXX XXXX, promised a XXXX performance warranty and ongoing maintenance, which were key inducements to my purchase. XXXX XXXX has since gone out of business and is unable to honor the warranties, leaving me with unsupported equipment. This constitutes a material breach of contract. 

Under the FTC Holder Rule ( 16 CFR 433 ), Dividend as the loan holder is equally subject to claims and defenses I could assert against XXXX XXXX. I submitted a formal cancellation request to Dividend Finance ( dated XX/XX/XXXX ), requesting full loan cancellation and cessation of collections. Dividend Finance has failed to respond after nearly 30 days. 

I am requesting CFPBs assistance to compel Dividend Finance to : - Cancel the loan in full due to breach of warranty - Cease all collection activities - Provide written confirmation of the loan cancellation. 

Attached Documents : - Loan cancellation request letter ( XX/XX/XXXX ) Maturity Date XXXX/XXXX/XXXX Financed Amount : {$45000.00} Annual Percentage Rate : 8.99 % XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
I was looking over my credit report and aI noticed unauthorized hard inquire on my credit report i did not give hand written consent to furnish anything on my credit report. these hard inquires and accounts have violated my consumer rights. 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. Account name : XXXX XXXX XXXX, Account name : XXXX ( XXXX ) has violated my rights. 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 an 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. They company also stated they were doing a soft pull and not a hard pull.

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 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account opened at XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had to cancel flights for my wife and I bought with the credit card due to getting sick. The amount was {$3200.00} ( minus {$250.00} of refund received from the XXXX ). I filed a case with the Chase Sapphire Reserve travel insurance on XX/XX/year> - I uploaded all documents necessary. 
On XX/XX/year> I get a response stating they need more information to review my claim " Please provide the following : Any unused vouchers, tickets, or coupons from the Common XXXX ( such as planes, trains and cruise ships ) Confirmation that the travel arrangements were cancelled with the Travel Supplier. '' - I did not receive any vouchers, tickets or coupons, I only had the partial refund confirmation from the XXXX which I already uploaded on XX/XX/year>. I have also already provided the confirmation for cancelling my trip with the XXXX on XX/XX/year>. I responded to the letter and uploaded the same documents again. The letter said I'd get a response within 7 business days.

There was no response after 7 business days, so I called Chase and was told the Adjuster is reviewing the document and I'd get a response by XX/XX/year>. On XX/XX/year>, I get a " reminder '' email to upload missing documents- the documents I already uploaded on XX/XX/year> and again on XX/XX/year>. 
I called Chase today ( XX/XX/year> ), and I was told by the representative that they can't help me get the issue resolved today, and also that there was no supervisor who could talk to me today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$25.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$42000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00}

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 2025-06-25 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint concerns the Chase XXXX XXXXXXXX credit card sign-up bonus and the associated 3-month minimum spend deadline. Due to delays that were entirely outside of my control including Chases mishandling of my account and card delivery I was unable to begin using my card in a timely manner. I am requesting that the deadline be adjusted to reflect when my account was truly made usable. 

I was approved for the Chase XXXX  XXXX card on XX/XX/year>, and made an online purchase the same day. That transaction was flagged as fraudulent. I immediately called Chase to confirm that the charge was legitimate, but was told I failed the identity verification check, which was based on publicly available data. On XX/XX/XXXX, I went to a local Chase branch and confirmed my identity in person with a banker named XXXX XXXX. We spoke with a Chase phone representative who said a new account and card would be issued, and I was advised not to use XXXX XXXX until I received the physical card. 

However, no new account was created. My original XXXX account was instead closed, and I later received a card linked to the same ( now closed ) account number. I returned to the same Chase branch on XX/XX/XXXX and XX/XX/XXXX to investigate further. XXXX informed me that my account had been closed for fraud and no replacement account had ever been issued. He escalated the issue internally, and the decision was made to reinstate my account. I was told this would take several business days. 

My account was reinstated on XX/XX/year>, this time with a new account number. I assumed a new card would be sent automatically, but after several days of waiting, nothing arrived. I contacted Chase again and was informed that no card had been issued. A new card was finally sent via expedited shipping, which I received on XX/XX/XXXX. 

All of the delays above were caused by Chases internal processes and miscommunication. I could not reasonably begin spending on the card until XX/XX/XXXX nearly a full month after my original approval date. Despite this, Chase insisted that my XXXX spending deadline remained tied to XX/XX/XXXX. 

When I contacted customer service, one representative told me my deadline was XX/XX/XXXX and mentioned there was an off-the-record grace period until XX/XX/XXXX. When I asked for confirmation in writing, I was transferred to a supervisor who said no grace period exists and that no extension could be granted. 

I escalated the issue by writing to XXXX XXXX XXXX on XX/XX/XXXX. I was contacted by a representative named XXXX, who acknowledged the details and said she would escalate to their marketing team. Unfortunately, she followed up and informed me that the extension had been denied and that there was no further escalation path.

Company response to consumer: Closed with explanation