vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to request a reimbursement from CHASE CreditCard on the dispute I submitted ( claim id : XXXX ) regarding a charge on the XXXX of XX/XX/year> from XXXX XXXX  for third-party liability ( TPL ) insurance, which I purchased but never received coverage. 
Im requesting to receive credit back for the charge of service we paid for but did not receive ( lei XXXX plus associated tax see rental agreement ). 
During my rental period in XXXX, I was stopped by the police. They checked the vehicle 's insurance status using their official database and confirmed that no TPL  insurance was active on the vehicle at any point during my rental period. I also checked daily while in XXXX on the official database ( print screens attached ) and there was no TPL coverage on any day during my rental agreement.

To further verify, I contacted the rental car company and requested documentation, including details of the alleged TPL insurance policy, terms, and policy number. To date, the company has failed to provide any proof that TPL insurance coverage existed. 
This strongly indicates that the charge was fraudulent, as the service I was billed for did not exist.

The facts of the case are as follows : 1. I was mandatorily charged for TPL insurance as part of the rental agreement, but no such coverage was provided.

2. Police stopped us during travel and verified that the rental vehicle had no active TPL. We received a verbal warning because we had with us the Chase Damage Collision Insurance documentation.

3. Despite my eforts, the rental company has failed to provide any evidence or documentation to support the claim that TPL insurance was active. 
I am requesting that Chase reconsider this dispute, as it is clear that I was charged for a service that was never rendered. This constitutes a fraudulent charge. 
I have attached the rental agreement to this letter. If additional information is required, please contact me at XXXX. I trust that Chase will prioritize this matter and take swift action to resolve it fairly. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NM

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and dispute regarding multiple unauthorized hard inquiries that have been reported on my credit file without my knowledge or consent. These inquiries have negatively impacted my credit score and do not reflect any credit applications that I have knowingly initiated. 

Specifically, the following inquiries were found on my credit report : XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/XXXX I did not apply for any credit, loans, or services from the above-listed entities. These inquiries were not authorized by me in writing, verbally, or digitally. As such, they constitute inaccurate and potentially fraudulent entries on my credit file. 

I have contacted the credit reporting agencies to begin the dispute process, but I am also seeking your assistance to ensure that these inquiries are fully investigated and permanently removed from my Experian, Equifax and Trans Union credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request the following : A full investigation into how and why these hard inquiries appeared on my credit report. 
Immediate removal of the unauthorized inquiries listed above. 
Confirmation of the outcome of this complaint and the corrective action taken. 

Please find attached a copy of my government-issued ID, a recent utility bill for address verification, and a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this matter. I appreciate your assistance in helping me protect my credit profile from further unauthorized actions. 


Ps, I also noted that on my credit report there is a name that does not belong to me. I was not able to take it up with the credit agencies, but Im hoping you can adjust this issue as well. 

Sincerely, 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 2025-05-21 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and dispute regarding multiple unauthorized hard inquiries that have been reported on my credit file without my knowledge or consent. These inquiries have negatively impacted my credit score and do not reflect any credit applications that I have knowingly initiated. 

Specifically, the following inquiries were found on my credit report : XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/XXXX I did not apply for any credit, loans, or services from the above-listed entities. These inquiries were not authorized by me in writing, verbally, or digitally. As such, they constitute inaccurate and potentially fraudulent entries on my credit file. 

I have contacted the credit reporting agencies to begin the dispute process, but I am also seeking your assistance to ensure that these inquiries are fully investigated and permanently removed from my Experian, Equifax and Trans Union credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request the following : A full investigation into how and why these hard inquiries appeared on my credit report. 
Immediate removal of the unauthorized inquiries listed above. 
Confirmation of the outcome of this complaint and the corrective action taken. 

Please find attached a copy of my government-issued ID, a recent utility bill for address verification, and a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this matter. I appreciate your assistance in helping me protect my credit profile from further unauthorized actions. 


Ps, I also noted that on my credit report there is a name that does not belong to me. I was not able to take it up with the credit agencies, but Im hoping you can adjust this issue as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This item on my Credit report looks like a charge off but I never received a 1099. Can you please have them send me a 1099 for tax purposes. 
Midland Credit Management {$2700.00} XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Some one has used my SSN to open up an account with XXXX XXXX XXXX XXXX, which was never Paid resulting the debt to go to collections. ( Sunrise Credit Services ). I was unaware of this until I saw a derogatory Mark on my credit score.

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 2025-05-21 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've recently received a copy of my credit report and notice several inaccuracies unauthorized accounts and information reporting to my credit report. The remarks have been detrimental to my life and credit health.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I sold some products a facial cleanser and sunscreen through XXXX XXXX to a customer for a total of {$1200.00}. The buyer claimed to have paid me using XXXX, and at the time, I received a notification from my bank indicating a payment had been made. However, I did not immediately open my banking app to verify if the funds had actually arrived in my account, as previous XXXX payments were always received instantly upon notification. 

XXXX days later, I noticed that the payment had not been deposited into my bank account. I contacted the buyer, who told me he would find time to check with his bank and asked me to wait. I also consulted my bank, and they confirmed that there were no issues with my XXXX account other payments sent and received before and after this incident were processed without any problems. After thorough checking, my bank concluded that the payment was never received and suggested that the issue likely lies with the senders bank. They advised me to have the buyer contact his bank directly. 

To this day, the buyer insists that the money was not refunded to his account, yet I have not received any funds either. The buyer refuses to share any banking documentation with me to verify his claim, and he is also unwilling to make the payment of {$1200.00}. Whats more troubling is that he has begun accusing me of setting up a scam, which is both false and offensive. 

Given the circumstances, I suspect there may be a problem with the buyers bank account or that this may be an intentional act of fraud. Therefore, I respectfully request the assistance of the CFPB in conducting a thorough investigation to uncover the truth, help me recover the money that is rightfully mine, and uphold justice. If this is indeed a case of deliberate fraud, I hope that legal oversight will prevent such behavior from harming other innocent people in the future.

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 2025-05-21 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX Email address - XXXX Phone Number - XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern : I am writing in response to a notice I received from your office regarding an alleged debt. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and it serves as my formal request for validation of the alleged debt. Please provide the following information so I may properly evaluate your claim : XXXX. The total amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges. 
XXXX. The name of the original creditor and the original account number. 
XXXX. Documentation showing that I agreed to the debt and that the debt is valid and legally enforceable. 
XXXX. A copy of the original signed agreement or contract ( if applicable ). 
XXXX. Proof that XXXX XXXX, XXXX XXXX is authorized to collect this debt, including chain of title from the original creditor. 
XXXX. Verification that the alleged debt is within the statute of limitations for collection in my state. 
Please also confirm in writing that no negative information has been or will be reported to any credit reporting agency until this debt is validated as required by federal law. This is not a refusal to pay, but a request that your office provide proper documentation. I request that all future communication from your office be made in writing only. Please consider this letter a formal dispute of the alleged debt until validation is received. 
Sincerely, 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 2025-05-21 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 became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within XXXX  days : 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 XXXXXXXX XXXX XXXX XXXX  XXXX delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00}

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I am a victim of identity. I applied online for a XXXX XXXX XXXX XXXX, Indigo and Milestone credit card and all of my applications was denied. I have never applied for or ever had a XXXX Indigo or XXXX XXXX XXXX. Someone stole my Minnesota XXXX XXXX and social security and use my personal information to apply for and received numerous credit card accounts through XXXX XXXX. Because of the identity theft, I am not able to get approved for or receive a credit card from XXXX XXXX. I want to be able to apply online, get approved and receive a XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
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 2025-05-21 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-21 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: CORELOGIC INC
State: DE

Complaint narrative:
I am a victim of the XXXX  XXXX XXXX. I reviewed my consumer report and there fraudulent accounts, addresses, inquiries, employers and names listed that I did not authorize. These accounts are false. My identity has been compromised as a result of the XXXX XXXX XXXX 

I have enclosed : Identity verification Notarized Affidavit of Identity Proof Of Address Dispute Letter FTC Report # XXXX Proof of 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