vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
Under 15 U.S.C. 1681c2, the consumer reporting agencies are required to block the disputed hard inquiries within 4 business days of receiving my valid Identity Theft Report and supporting documents. I expect confirmation in writing that the block has been applied in full. 

I am a victim of identity theft as documented in my official FTC Identity Theft Report ( # XXXX ). Multiple unauthorized hard inquiries were made on my credit reports without my knowledge or consent. These inquiries were not initiated by me and I did not apply for these accounts or authorize any credit checks with the following companies : 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 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 I have notified the credit reporting agencies and the companies involved that these inquiries resulted from identity theft and must be blocked under my rights granted by 15 U.S.C. 1681c2 of the Fair Credit Reporting Act. This law requires consumer reporting agencies to block identity theft-related information from a consumers file once the victim provides proof of identity theft and a proper request. 

I have already filed an FTC Identity Theft Report and am submitting it here to support 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 2025-07-14 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: SC

Complaint narrative:
XXXXXXXX XXXX is reporting inaccurate payment history for an account that was voluntarily surrendered and closed in XXXX. According to my XXXX credit report ( as of XX/XX/XXXX ), they are marking the account as late every month from XX/XX/XXXX through XX/XX/XXXX, despite the last payment being made on XX/XX/XXXX, and the account being closed since then. 
This appears to be a case of re-aging the debt, which violates the Fair Credit Reporting Act ( FCRA ). I have contacted XXXXXXXX XXXX and requested a correction, but the inaccurate late payments remain. I request the CFPB investigate this matter and help ensure the payment history is corrected or the account is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
XXXXXXXX XXXX is reporting inaccurate payment history for an account that was voluntarily surrendered and closed in XXXX. According to my XXXX credit report ( as of XX/XX/XXXX ), they are marking the account as late every month from XX/XX/XXXX through XX/XX/XXXX, despite the last payment being made on XX/XX/XXXX, and the account being closed since then. 
This appears to be a case of re-aging the debt, which violates the Fair Credit Reporting Act ( FCRA ). I have contacted XXXXXXXX XXXX and requested a correction, but the inaccurate late payments remain. I request the CFPB investigate this matter and help ensure the payment history is corrected or the account is removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
XXXXXXXX XXXX is reporting inaccurate payment history for an account that was voluntarily surrendered and closed in XXXX. According to my Experian credit report ( as of XX/XX/XXXX ), they are marking the account as late every month from XX/XX/XXXX through XX/XX/XXXX, despite the last payment being made on XX/XX/XXXX, and the account being closed since then. 
This appears to be a case of re-aging the debt, which violates the Fair Credit Reporting Act ( FCRA ). I have contacted XXXXXXXX XXXX and requested a correction, but the inaccurate late payments remain. I request the CFPB investigate this matter and help ensure the payment history is corrected or the account is removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

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 : [ XXXXXXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : [ XXXX 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 2025-07-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I was given as a gift XXXX American Express XXXX XXXX each in the amount of ( {$1200.00} ) totaling ( {$2400.00} ). I had been saving them to use as an emergency fund. However when I try to use them anywhere, online, or in store at XXXX, XXXX, XXXX the cards are always declined. Both cards are active as confirmed by American Express customer service. Since these are XXXX XXXX retailers tell me there isn't any way for them to accept the gift card and they can not enter the cards manually, despite calling American Express XXXX XXXX customer service and them telling me they can, all retailers reject these cards. Online is the same situation, transactions are declined at XXXX and small locally owned shops. I can not use the cards anywhere I try.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to dispute a credit card debt that has been fraudulently reported in my name by TD BANK. I do not recognize this account and have never applied for or authorized the use of any credit or services with this company. 

This is a case of identity theft, and I have no contractual relationship with the creditor. I never opened this account, never received any goods or services, and did not authorize anyone to do so on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-14 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
This is a formal dispute of all XXXX. of XXXX accounts listed on my report. They are inaccurately reported as Over XXXX Days Past Due despite showing Deferred, Disputed, or inactive statuses since XX/XX/year>. 
Violations : XXXX. XXXX U.S.C. XXXX ( b ) Contradictory deferment and delinquency statuses. 
XXXX. XXXX U.S.C. XXXX ( a ) ( XXXX ) Items lacking documentation must be deleted. 
XXXX. XXXX U.S.C. XXXX ( a ) Incomplete and outdated 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 2025-07-14 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XX/XX/XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 

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 # ( FTC NUMBER ), 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 2025-07-14 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to follow up on my ongoing dispute regarding the unauthorized conversion of my Chase savings ( XXXX ) account into a checking account in XX/XX/XXXX, and the resulting monthly maintenance fees that have been continuously charged ever since. 

At no point did I authorize this account conversion. I already had an existing checking account with Chase, so this second checking account created unnecessary duplication and triggered monthly fees which I was unaware of for years. 
Fee History : From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I was charged XXXX XXXX = {$220.00} From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, the fee increased to XXXX XXXXXXXX = {$720.00} Total charged : {$940.00} I have received partial refunds as follows : {$89.00} at a branch {$100.00} over the phone Total refunded : {$190.00} Remaining balance in dispute : {$750.00} What I Was Told by Chase : When I contacted your team, I was informed that Chase is unable to go back that far to reverse fees from XXXX and prior years. I respectfully disagree with this position and asked a valid question that remains unanswered : Since Regulation D was relaxed by the Federal Reserve in XX/XX/XXXX removing limits on withdrawals from savings accounts why wasnt my account automatically converted back to a savings account, or at least reviewed? 

I was never given a proper explanation or offered a solution that restored my account to its original status. While I appreciate the partial refunds already issued, this does not address the full scope of the problem, which originated from an action I did not authorize and which was not automatically corrected despite the change in regulatory policy. 

What I Am Requesting : A refund of the remaining {$750.00} in unjustified monthly maintenance fees A written confirmation that my credit history and account reputation have not been negatively affected Closure of the duplicate checking account to prevent future fees, as I continue using my original checking account I value my relationship with Chase and sincerely hope to resolve this issue without further escalation. I appreciate your attention and look forward to a fair and timely resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
The amount was paid in full and it is reporting on XXXX  as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Team, FollowUp Complaint ( Case # XXXX ) Chase Denied Dispute Without Proof I am writing to follow up on a previously submitted complaint regarding Chase 's handling of a ~ {$3000.00} disputed charge from XXXX. Chase denied my dispute without providing any proof, stating only that they " found no billing error '' but they have not shared the purchase receipt, merchant communications, or any documentation used in their decision. 

This is highly unacceptable and likely violates my rights under the Fair Credit Billing Act, which requires creditors to investigate and provide documentation supporting their conclusions. 

I have already attempted to escalate the issue directly with Chase via email last week and received no response. With the payment due date approaching, Chase continues to demand repayment for a charge I have formally disputed and was told I need not pay. 

I request CFPBs assistance to : Require Chase to produce the evidence supporting their denial. 

Urge Chase to suspend any payment requirements related to this disputed charge until they comply. 

Ensure Chase is held accountable if they fail to meet legal obligations under the Fair Credit Billing Act. 

I have attached Chases denial notice. Please help me ensure Chase properly investigates and resolves this matter with full transparency. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief