vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Problem : On XX/XX/XXXX, I arrived at the XXXX at XXXX hotel for a confirmed reservation, only to be informed that no reservation existed and the hotel was fully booked. This reservation was made through Chase XXXX on XX/XX/XXXX, with confirmation received the same dayover 6 months in advance. I also received an email titled " Get ready! Your trip is almost here '' email on XX/XX/XXXX, a week before the trip, informing me that my stay is coming up. This suggests that my reservation was made through Chase correctly. 

The Impact : This booking failure caused considerable stress, inconvenience, and disrupted our entire travel plans. We were left scrambling for alternative accommodations at the last minute during what should have been the start of our vacation. We were on hold with customer support for multiple hours to figure out accommodation until late in the evening.

Resolution Attempted : After an extensive call with Chase customer support, their representative arranged alternative lodging at XXXX XXXX XXXX XXXX XXXX using my points ( XXXX points ), with a promise to refund these points once I provided the final receipt. I have now fulfilled this requirement and am providing all supporting documentation. 

I have since then emailed their customer support email address, as instructed by the representative during the call. This was XXXX weeks ago, and I have still not heard anything back except for automated no-reply acknowledgement that they've received my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
XXXX XXXX, XXXX last XXXX XXXX XXXX. This CFPB complaint has been filled 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. this fraudulent, inaccurate and false information consists of a personal credit card opened up at XXXX XXXX on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX XXXX XXXX. An auto loan account open with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX. A rental collection account was opened with the XXXX Apartments on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX  Another rental collection account was opened with XXXX XXXX XXXX on XX/XX/XXXX under account the account number XXXXXXXX XXXX XXXX XXXX XXXX. A collection with XXXX wireless on XX/XX/XXXX under the account number XXXXXXXX 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 hard inquires 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 inquires as reported. The aforementioned account maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collection and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proff from the XXXX federal trade commission that all of the aforementioned. consumer credit account, collections and hard inquires 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 2025-08-01 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: GA

Complaint narrative:
I am filing a formal complaint against Equifax/Expirian/TransUnion or XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX for violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Dept Collection Practices Act ( FDCPA ). My credit report shows inaccurate and duplicated accounts, including XXXX XXXX XXXX XXXX XXXX charged off the account, and XXXX XXXX is now reporting it. Both reporting same balance ( {$680.00} ), which is illegal per FCRA 623. Only one can report balance. This is misleading lenders and inflate my debt. 

XXXX XXXX XXXX same as above : XXXX charged off, midland now collecting. Multiple entries showing {$1700.00} owed by both, potentially duplicative reporting.

Violation FCRA 607 ( b ) Inaccurate reporting ; FDCPA 807 ( 2 ) ( A ), misleading representation.

These are being reported by both the original creditor and collection agency for the same debt. Additionally, some accounts are showing incorrect payment history, re-aged debt beyond the statutory 7-year limit, and incorrect dispute resolution updates. These issues are impacting my creditworthiness and are not being properly corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
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. 



List of Unauthorized Inquiries : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: IL

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 ) ( XXXX ) 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 XXXX 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 2025-08-01 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: EQUIFAX, INC.
State: IL

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 ) ( XXXX ) 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
I never said I had identity theft I said i'm being harassed by a creditor. I also indicated that the creditor who has bought a fraudulent debt in my name is trying to collect that debt on two different accounts. IQ data international and tides on wind. are collecting the same debt I also indicated that I have debt on my credit that has reached the statute of limitations and has been on there for nine years another debt that has been on there for seven years that you refuse to delete off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MI

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 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
XXXX am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I found that the reported information is incorrect due to the inaccuracies, in the credit history reporting diferent history in bureau I send this complaint to XXXX  and they delete the collection because the information was incorrect is altered such as payments made, settled accounts, or incorrect balances. I previously submitted a dispute to XXXX XXXX XXXX on XXXX and they just dismissed with out response with supporting documentation to validate my claim. 
My name is wrong they just update the information taking the information from the letter I sent them to dispute I dont think is fear they algate false accusations of me hiring a lawyer from were or how if I dont have money they offer me pay for deletion but I cant afford to paid something that they have not been able to validate legally with contracts or any signature I call the bank and they said they reported as loss and I never received a XXXX the bank said they cant do anything is already reported as loss so why this third party collection agency is charging me if not even the bank could do anything about it any more the way they verify the account is sending me XXXX bills of receipts but any document that demonstrate that I am legally entitled to pay for it who give then the right to ruin my credit that is not a valid collection if you cfpb have a the proper validation document with the original document that makes me the person legally obligated to pay this account and if I dont receive this document within 30 days please delete this collection XXXX XXXX  already did please I ask kindly sorry for my long written but Im frustrated that Im working hard in my credit but Im not able to qualify for this collection Im missing on a lot of opportunities and this is affecting me with a lot of stress and anxiety because its easy to demonstrate all the inaccuracies but instead of deleting they just update the information I dont think thats legal if I have rights as customer that are being violated XXXX XXXX XXXX conducted an investigation but responded with a statement claiming the information was " accurate '' without further explanation or evidence of their review process. This lack of thoroughness in their investigation is both frustrating and unjust, as I believe the reported information is demonstrably incorrect. 

I request cfpb assistance in investigating this matter this account further and holding XXXX XXXX XXXX accountable for their reporting practices. I seek resolution to ensure that my credit report reflects accurate information. 

Thank you for your attention to this serious matter. I look forward to your prompt response.

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 2025-08-01 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: NY

Complaint narrative:
After reviewing my credit report, I found that the reported information is incorrect due to the inaccuracies, in the credit history reporting diferent history in bureau I send this complaint to XXXX  and they delete the collection because the information was incorrect is altered such as payments made, settled accounts, or incorrect balances. I previously submitted a dispute to XXXX XXXX XXXX on XXXX and they just dismissed with out response with supporting documentation to validate my claim. 
My name is wrong they just update the information taking the information from the letter I sent them to dispute I dont think is fear they algate false accusations of me hiring a lawyer from were or how if I dont have money they offer me pay for deletion but I cant afford to paid something that they have not been able to validate legally with contracts or any signature I call the bank and they said they reported as loss and I never received a XXXX the bank said they cant do anything is already reported as loss so why this third party collection agency is charging me if not even the bank could do anything about it any more the way they verify the account is sending me XXXX bills of receipts but any document that demonstrate that I am legally entitled to pay for it who give then the right to ruin my credit that is not a valid collection if you cfpb have a the proper validation document with the original document that makes me the person legally obligated to pay this account and if I dont receive this document within 30 days please delete this collection XXXX XXXX  already did please I ask kindly sorry for my long written but Im frustrated that Im working hard in my credit but Im not able to qualify for this collection Im missing on a lot of opportunities and this is affecting me with a lot of stress and anxiety because its easy to demonstrate all the inaccuracies but instead of deleting they just update the information I dont think thats legal if I have rights as customer that are being violated XXXX XXXX XXXX conducted an investigation but responded with a statement claiming the information was " accurate '' without further explanation or evidence of their review process. This lack of thoroughness in their investigation is both frustrating and unjust, as I believe the reported information is demonstrably incorrect. 

I request cfpb assistance in investigating this matter this account further and holding XXXX XXXX XXXX accountable for their reporting practices. I seek resolution to ensure that my credit report reflects accurate information. 

Thank you for your attention to this serious matter. I look forward to your prompt response.

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 2025-08-01 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:
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. 

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 XXXXXXXX List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2025 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 XXXX 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