vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-03 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: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by TransUnion under XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite my formal disputes submitted on XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 6 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$600.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$6000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

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 2025-06-04 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: GA

Complaint narrative:
Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 ( Identity Theft ) Dear Credit Bureau Representative , I am writing to formally request the blocking and removal of fraudulent information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2. This statute provides that a consumer reporting agency must block information identified as resulting from identity theft within four business days of receiving appropriate documentation.

I have been a victim of identity theft, and as a result, fraudulent accounts and/or inquiries appear on my credit report. These accounts were opened or used without my knowledge or consent. Under 15 U.S.C. 1681c-2, I am exercising my right to have this information blocked. I do not authorize any of these accounts. PLEASE SEE ATTACHMENTS BELOW

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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I have no knowledge of an account like this and less that I have a balance in collection. This information was disputed through disputes by credit agencies and it never sent written information referring to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

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 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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX and the only income I receive is from my XXXX XXXX XXXX XXXX  ( XXXX ) account. Recently, a debt collector by the name of XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, TX ( XXXX ) garnished my checking and savings accounts held at Chase Bank. This garnishment has frozen all my available funds. I contacted Chase Bank, and they informed me that only Social Security is protected from garnishment and that XXXX XXXX XXXX XXXX  are not protected. This is incorrect under Texas law. 

According to Texas Government Code 821.005 ( b ), TRS benefits are unassignable and exempt from garnishment, attachment, or any other legal process. This protection is explicitly stated and should apply to my situation. I consider this an act of elder financial abuse. I am unable to access any funds to pay for basic living expenses. I need urgent assistance to resolve this situation and stop the unlawful garnishment of my protected retirement funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: WA

Complaint narrative:
TransUnion, XXXX and Experian contains multiple inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and misrepresent the status of the account. 
Here are the core issues : Different Open Dates : TransUnion reports XX/XX/year> XXXX and Experian report XX/XX/year> Different Last Payment Dates : TransUnion and Experian report XX/XX/year> XXXX  reports XX/XX/year> Experian shows Paid with settlement comments XXXX  and TransUnion show Charge Off or Derogatory despite the {$0.00} XXXX reports $ XXXX and Experian report $ XXXX Payment Status on Experian, Experian marks the payment status as Unknown, despite listing the account as Paid and noting that it was Settled in full for less than full balance. 
I took action by formally disputing these inaccuracies with all three credit bureaus. I requested either full deletion of the account or immediate correction to reflect the proper status, settlement, and accurate reporting across all data points. So far, no consistent resolution has been provided. 
This inaccurate and conflicting reporting is in violation of FCRA 607 ( a ) and 611 ( a ) and is causing ongoing damage to my credit profile. I am requesting that this account be either : 1.Fully deleted from all credit reports due to unverifiable and conflicting information, and OR 2.Updated across all bureaus to accurately reflect : Open date : XX/XX/year> Last payment date : XX/XX/year> Status : Paid Settled in full for less than balance Balance : {$0.00}. 
I appreciate your time and attention to this matter. I expect a prompt and thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Please ensure that all updates and resolutions are communicated to me within the legally mandated timeframe. I look forward to a swift resolution of these inaccuracies.

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 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: NC

Complaint narrative:
Unable to get a response about my 4XX/XX/XXXX I traded in. They never responded to my request to give me my phones or give my a credit for my XX/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 2025-06-04 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:
I am writing you about the the Fraudulent use of my social security number due to the XXXX XXXXXXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. The inquiry was not authorized AXXXX 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 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

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 2025-06-04 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

HERE IS THE ITEMS I AM ASKING YOU TO VERIFY AS ACCURATE : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Texan Credit Corporation
State: AZ

Complaint narrative:
Credit report showing delinquency when it is not accurate.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
Subject : Follow-Up to Chime Complaint : Unauthorized Credit Activity and Misuse of Personal Information. 
I previously submitted complaint regarding misleading marketing and referral tactics used by Chime Financial. But that is not all. 
In addition to the deceptive referral program already indicated in a separate complaint, I am reporting that a credit card account was created under my name without my informed consent. 
I initially signed up for Chime solely to facilitate the transfer of funds between banks, following a referral from a friend. I was led to believe that signing up and providing basic personal information would result in a referral bonus. At no point was I informed, nor did I authorize, Chime to open a credit account under my name, nor did I intend to apply for credit. 
However, Chime created and issued a " Chime XXXX XXXX XXXX credit Card '' in my name without proper disclosure or consent. This account : was reported to the Credit Bureaus as an open line of credit. 
It was issued without any stated credit limit, yet appeared on my credit report, and has negatively impacted my credit score and history. 
These activities are clear violations of the federal regulation under FCRA & FDCPA and etc. Under the : FCRA ( Fair Credit Reporting Act ) 604 Permissible Purpose : Chime had no valid reason to access or report my credit without clear, written consent.

CFPB Regulation Z Truth in Lending Act ( TILA ) : Failure to clearly disclose credit terms prior to issuing a credit product. 
UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) under the Dodd-Frank Act, 1031 : Misrepresenting a product ( referral-based checking signup ) and using that data to enroll me in an unwanted credit service without full transparency. 
I am requesting the CFPB investigate Chime for : Opening and reporting a credit card account without my express permission, Neglecting to inform me about the impact on my credit report, Using misleading advertising and sign-up processes to obtain and misuse consumer data. 
I would like Chime to : Immediately close the unauthorized credit account, Remove any credit bureau reporting related to it, Provide written confirmation of the removal and corrective action, And be held accountable for deceptive financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I had went to a restaurant, I had lost my phone and someone went into and stole most of my money from my account. There were XXXX XXXX  payments XXXX being {$170.00} and the other being {$700.00}. I contacted the bank and they filed a claim but it was denied. The payment was not made by me because i didnt have my phone at the time. Im a college student not making that much money. I am very careful with my money and I just need help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: MD

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 2025-06-04 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was nor reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has never been late on payments. I have attached a copy of my report to this complaint on the following dates. { XX/XX/year> } I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your time and attention to this matter.

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 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: VA

Complaint narrative:
They contacted my mom who lives in another state regarding my past due balance. I have never given them her number. Im an adult and have been for over XXXX  years. There is XXXX legal reason for them to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NV

Complaint narrative:
Vicitm of Identity Theft, used my personal information to obtain goods, services and stolen use of a credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Equifax under 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 Despite my formal disputes submitted on XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 5 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$500.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$5000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
On XX/XX/year> I was reviewing my XXXX bureau credit report and to my surprise I discovered 13 Credit cards that I never applied for nor authorized along with 3 fraudulent address, and 26 credit inquiries, These accounts are a FRAUD not open by me nor authorized by me. I contacted all three credit bureaus and have not received an answer as of yet. I have taken steps to file a federal trade commission identity theft report, and I am current filing a police report for Identity theft....

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