vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
Hi this account was opened fraudulent and called XXXX XXXX and told them that this account was fraudulent and they couldn't help me. please remove this XXXX XXXX XXXX account on my credit reports. thank 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 explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
Hi this account was opened fraudulent and called XXXX XXXX  and told them that this account was fraudulent and they couldn't help me. please remove this XXXX XXXX XXXX account on my credit reports. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Gulf Coast Collection Bureau Continues to harass me about a medical bill. I recieve frequent text messages to paid the bill or I will have bad credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Subject : Misleading Balance Transfer Advice from Chase XXXX XXXX XXXX XXXX and Financial Harm Complaint : On XX/XX/year>, I contacted Chase and was advised by a representative to open a new Chase credit card, transfer the balance from my existing Chase card to the new one, and then cancel the old account. I followed this guidance and applied for the new card, which resulted in a hard credit inquiry and a new open credit line. 

When I called Chase again on XX/XX/year>, to proceed with the balance transfer, I was told I could not transfer balances between Chase cards and that the original information I received was incorrect. I was informed the matter would be reviewed. I followed up again on XX/XX/year>, and was told that while they confirmed I was indeed given incorrect information on XX/XX/XXXX, they would not honor the balance transfer or offer any resolution. 

This misleading guidance directly caused harm to me and my business : I received a hard credit pull unnecessarily. 

I now have a new account on my credit report that I did not want or need. 

My credit utilization and score have been negatively affected. 

I remain stuck with a high-interest balance I was actively trying to resolve in good faith. 

I am requesting that Chase be held accountable for this situation and either : Approve the original balance transfer as advised, or Provide equivalent financial relief, such as a temporary promotional APR, to mitigate the harm caused by their misinformation. 

I have documentation of the dates and calls, and Chase has acknowledged that their representative gave me incorrect advice. 

Thank you for your attention to this matter. 

Financial Institution : JPMorgan Chase Bank Product : Credit Card Issue : Incorrect information or guidance provided Consumer harm : Credit impact, financial hardship Dates involved : XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
This is my 8th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  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 2025-05-10 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: IL

Complaint narrative:
The reason for me finding this with your agency is because now the portholes for experience transunional Equifax work for people like me and it's deliberate so I'm following this again for reinvestigation again for arbitration to begin expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
I am submitting this statement to formally dispute inaccurate and incomplete information being reported on my credit file. The entries listed below are currently misrepresenting my payment history or account balances, and I respectfully request that the necessary corrections be made to reflect accurate informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE 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 2025-05-10 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: CA

Complaint narrative:
I have requested information from XXXX multiple times. This includes promissory notes for all loans they claim are in my name. I have submitted receipts of on time payments and requested XXXX to prove otherwise, they have returned nothing but a call log between myself and the company. I requested my credit report be updated to reflect all payments current based on the submitted proof of payment.

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 2025-05-10 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: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Please consider this as my formal complaint to the SYNCBXX/XX/XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit 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 2025-05-10 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: TX

Complaint narrative:
Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The letter below was sent to collecting services. 

Re : Request for Forward Flow Agreement or Chain of Title of Ownership of Account Number XXXX I am writing to request documentation that verifies your company 's ownership and rights to collect on the above-referenced account. As you are aware, I previously requested validation of the debt, and your response included a summary statement. 

However, I must inform you that a summary statement is not a valid means of providing validation of the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, validation of a debt must include : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement that the debt will be assumed valid unless disputed within 30 days ; and 4. A statement that if disputed, the debt collector will obtain verification of the debt.

To properly validate the debt, I am requesting that you provide either : 1. A copy of the Forward Flow Agreement between the original creditor and your company, which outlines the terms of the sale or transfer of the debt.

2. The Chain of Title of Ownership, which provides a complete record of all assignments, sales, or transfers of the debt from the original creditor to your company. 

Please provide the requested documentation within 30 days of receipt of this letter. Failure to provide this information will lead me to dispute the debt and report any inaccuracies to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
I recently reviewed a copy of my credit report and noticed there was fraudulent activity. It is hurting my ability to obtain 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 2025-05-10 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there was fraudulent activity. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$6200.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2600.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4800.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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

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 2025-05-10 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under FCRA Dear Experian, I am writing to formally dispute inaccurate information on my credit report, report # XXXX, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ). 

On my credit report, XXXX XXXX XXXX reporting a collection account with account # XXXX as an Open Account. This classification is inaccurate and misleading.

According to the FCRA : - 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that a furnisher of information 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.

- 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) further requires that, after receiving a dispute notice, the furnisher must correct or delete any information found to be inaccurate or incomplete.

A collection account is by nature a closed-ended debt obligation that has been charged off or sold, and there is no longer an active credit relationship. Labeling this as an Open Account misrepresents the nature of the debt and could materially affect my creditworthiness by overstating my active obligations and negatively impacting my credit profile.

I respectfully request that you : 1. Investigate this account pursuant to 15 U.S.C. 1681i ( a ).

2. Verify the accuracy of the account designatio
n.

3. Remove the account if it is found to be inaccurately labeled as Open.

Please provide a written response to this dispute within 30 days, as required by the FCRA. If the information is not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies under the FCRA.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I cashed a workers compensation settlement check for XXXX from XXXX XXXX  XXXX  at my bank Wells Fargo on XXXX XXXX. I have been a member since XXXX check was verified and deposited in my account the next day. I withdrew XXXX on Tuesday XX/XX/year>. On Thursday XX/XX/year> my account was negative XXXX. I called Wells Fargo customer service and they told me that they put the check on hold because the bank on the insurance check ( XXXX XXXX XXXX ) had insufficient funds and I had to contact the insurance company. I called the insurance company and they stated that the adjuster would only talk with the workers compensation lawyer. My account is negative now but was not before I deposited the insurance check. I am confused because I am being punished for a check that was deemed valid. If not the why deposit it into my account and have the funds available to 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 non-monetary relief
Consumer complaint received 2025-05-10 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: IN

Complaint narrative:
I am writing to report that I have been the victim of identity theft and that my personal information was used without my authorization to fraudulently open auto loan accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were not initiated by me, and I did not authorize any applications or agreements with either of these companies. 



Currently, my credit report reflects that I owe {$7000.00} to XXXX XXXX XXXX and {$8300.00} to XXXX XXXX XXXX. These debts are the result of fraudulent activity carried out by individuals who illegally obtained my personal information, likely through a data breach. I have no knowledge of the vehicles or contracts associated with these loans. 



The presence of these fraudulent accounts on my credit profile is causing serious and unjust harm to my credit standing. I discovered the unauthorized accounts while reviewing my credit report and have since taken steps to address the issue, including placing fraud alerts, filing an identity theft report with the Federal Trade Commission ( FTC ), and submitting a police report to my local law enforcement agency. 



I am formally requesting that all auto loan accounts fraudulently opened in my name with XXXX XXXX XXXX and XXXX XXXX XXXX be thoroughly investigated and immediately removed from my credit file. These accounts do not belong to me and should not reflect on my credit history. 



Please confirm receipt of this statement and provide a timeline or process for resolving and removing the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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