vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXXonsumer 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. This is a formal complaint against JPMCB - CARD SERVICE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s- 2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
JPMCB - CARD SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have unauthorized hard inquiries that are violating FCRA 604 ( a ) ( no permissible purpose ).

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 2025-09-25 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-25 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
My bill was paid off to the balance ofXXXX from {$390.00} and I have returned the equipment from XXXX  and I have disputed this with both credit companies and they despite it removed it and it keeps coming back on my report And there are hard inquiries on my report that I have not or don't know where they came from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6400.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$26000.00}

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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Bradley G Nykamp PC
State: UT

Complaint narrative:
Unfair XXXX XXXX Practices XXXX XXXX Payments. 

I am submitting this complaint regarding the conduct of XXXX XXXX XXXX, a debt collection firm based in XXXX XXXX XXXX, Utah. 
Despite my repeated attempts to make voluntary payments toward my outstanding balance, XXXX XXXX XXXX has intentionally blocked my access to their online payment portal. When I attempted to use their system, I received an error stating that my file was invalid or has been blocked from payment, even though I entered the correct file number and zip code. 
When I contacted their office, I was told that my payments were considered voluntary and that I must work it out with them directly. This behavior appears to be a deliberate attempt to control the payment process, possibly to pressure me into unfavorable terms or agreements. I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and constitutes unfair and coercive collection tactics. 
I am willing and actively trying to resolve my debt, and I believe blocking payment options is unethical and potentially unlawful. 
Requested Action : XXXX XXXX XXXX XXXX refusal to accept voluntary payments. 
Require them to unblock access to their payment portal or accept mailed/bank payments without harassment. 
Ensure they comply with FDCPA and Utah consumer protection laws. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX E-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal Master Complaint concerning the inaccurate, misleading, and unlawful reporting of the NATLCRSYS account # XXXX. The way this account is being reported constitutes serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Irregularities Identified Contradictory Account Status XXXX  : Account reported as Closed. 

XXXX  : Account reported as Closed. 

XXXX  : Account reported as Open. 

A tradeline can not simultaneously be open and closed. This violates FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ).

Inconsistent Dates of Activity XXXX  : Last activity reported as XX/XX/XXXX. 

XXXX  : Last activity reported as XX/XX/XXXX. 

XXXX  : Last activity reported as XX/XX/XXXX. 

These discrepancies show no proper verification or reinvestigation as required by FCRA 1681i ( a ). 

Failure to Mark Account Correctly During Dispute Consumer disputes were filed, yet the bureaus and NATLCRSYS continued to report the account as derogatory/negative without proper dispute notation across all platforms. 

This is a violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to mark accounts as disputed when applicable. 

Debt Collector Misrepresentation NATLCRSYS, acting as a debt collector, is misreporting the status of this account across bureaus. 

This constitutes a false, deceptive, and misleading representation under FDCPA 807 ( 15 U.S.C. 1692e ).

Failure to Validate the Debt As required by FDCPA 809 ( 15 U.S.C. 1692g ), a debt collector must provide proper validation upon request. NATLCRSYS has failed to provide sufficient validation while continuing to report.

Continuing to report a debt without validation is a direct FDCPA violation.

Laws Violated FCRA 1681e ( b ) : Failure to assure maximum possible accuracy. FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher reporting information known or should be known to be inaccurate.

FCRA 623 ( a ) ( 3 ) : Failure to properly mark account as disputed.

FDCPA 807 ( 15 U.S.C. 1692e ) : Prohibition of false or misleading representation by a debt collector.

FDCPA 809 ( 15 U.S.C. 1692g ) : Failure to validate debt and continued collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I received this email and I think it's phishing. 


XXXX Issued by synchrony Your XXXX CREDIT CARD online credit request. 
Hi XXXX, Thank you for your recent XXXX CREDIT CARD XXXX XXXX. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX XXXX CREDIT CARD Credit Services Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission XXXX ( FTC ) consumer website. 

This is an unmonitored email box. Please do not reply to this email. 

ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your XXXX CREDIT CARD account. You XXXX receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX CREDIT CARD account. 

Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. XXXX I think this is phishing and I clicked and filled out my information and nothing happened. I'm afraid they now have my information. 

Thank you, XXXX XXXX XXXX quoted text

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 2025-09-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is a supplemental complaint to the one I submitted on XX/XX/XXXX, complaint ID : XXXX. 

The mortgage application I had with Truist was formally terminated on XX/XX/XXXX. At that point, the transaction between Truist and myself was closed, and Truist no longer had any authorization to disclose information about my application, complaint, or reimbursement efforts to any third party. Despite this, on XX/XX/XXXX, my real estate agent referenced details about my ongoing reimbursement efforts that I never shared with her. She sent a text the morning of XX/XX/XXXX, " Just heard that Truist is still reviewing your appraisal refund request should know later today if they are not able. '' She was not aware that I had formally filed a complaint against Truist after terminating my mortgage application and was still seeking reimbursement for incurred fees. The only logical explanation is that this information was communicated to her by someone at Truist. 

I did not provide any written or verbal consent allowing Truist to share nonpublic personal information with my real estate agent after the application was terminated. Based on the circumstances, I believe this information my have been shared by loan officer, XXXX XXXX, who was my original point of contact during the application process and has a professional relationship with my real estate agent. This raises significant concerns about whether Truist improperly disclosed information in violation of federal privacy protections, specifically those outlined under the Gramm-Leach-Bliley Act.

Attached to this complaint is the email correspondence in which I formally requested the termination of my mortgage application. My request was submitted on XX/XX/XXXX, and I consider this the official termination date. Any disclosure of my personal information to unauthorized parties after this date constitutes a violation of my privacy rights.

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 2025-09-25 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive found late payment entries on my credit report that I believe to be incorrect. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I request that these late payments be verified, and if they can not be validated, I ask that they be corrected or removed from my 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