vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2025, I used XXXX XXXX XXXX ATM ( SEQ # XXXX, location : XXXX XXXX XXXX, XXXX MI XXXX ) to do a cash deposit ( {$570.00} total, XXXX {$50.00} XXXX XXXX, XXXX {$20.00} XXXX XXXX ). I accidentally insert the wrong debit card, I inserted Chase Debit Card instead of Credit Union debit card.

The funds didn't go through my Chase Bank Account. I went to Credit Union One branch next day, they said since I inserted Chase Debit Card, I must contact Chase to get my funds.

I reached out to Chase multiple times, they open 2 claims for me, however both claims were denied. Attached is the XXXX XXXX XXXX XXXX XXXX said Chase must submit Electronic Request for Refund to Credit Union One Accounting department, so that the funds can be sent to CHASE to be deposited to my CHASE Account.

Chase Claim number : XXXX XXXX Claim number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

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 ExperianXXXX XXXX XXXX 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 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 2025-04-24 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: GA

Complaint narrative:
I am filing this complaint because Experian failed to comply with federal law after I submitted a written identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( Section 605B ). 
On XXXX XXXX 2025 I sent Experian a formal identity theft dispute including : FTC identity theft report, affidavit, statement of false accounts and proof of identity. The package was delivered on the XXXX of XXXX and on the XXXX of XXXX the company responded that it would not remove or block the items.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.

In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth, and SSN #. Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results. I am asking that you verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-24 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: NY

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-04-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX [ XXXX : Last 4 digits only ( XXXX ) ] XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX RE : Debt Validation Request under the FDCPA & Dispute under FCRA Account Number : XXXX Original Creditor : XXXX XXXX XXXX Amount : {$430.00} To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I recently became aware of a collection account placed by your company on my credit report regarding an alleged debt originally owed to XXXX XXXX XXXX, account # XXXX, in the amount of {$430.00}. 

I formally dispute the validity of this debt for the following reasons : 1. I have not received any validation of this debt as required under 15 U.S.C. 1692g ( b ). You are obligated to provide : The name and address of the original creditor, A copy of the original contract or account statements, And clear documentation of assignment or ownership rights proving that XXXX XXXX XXXX is legally entitled to collect on this debt. 
2. Pursuant to 15 U.S.C. 1692g ( b ), I am requesting that you : Cease all collection efforts until full validation is provided. 
Provide written evidence of your authority to collect this debt, including assignment from XXXX XXXXXXXX XXXX 
If you can not provide such documentation, you must delete the account from all credit bureaus and cease further collection efforts. 
3. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ), any inaccurate or unverified information reported to the credit bureaus must be promptly corrected or removed. Failure to do so constitutes a willful violation of the FCRA and subjects your company to liability under 15 U.S.C. 1681n and 1681o. 



Demand for Immediate Action : Provide verification of the alleged debt within 30 days, including : Full chain of title and assignment from XXXX XXXX XXXX ; Copy of the original application or agreement; Detailed itemization of the debt. 
If you are unable to provide this, you must : Cease collection efforts immediately ; Remove the tradeline from all credit reporting agencies ; Confirm deletion in writing. 

This is a good faith effort to resolve this matter. Please be advised that I am keeping detailed records of all correspondence for use in any future legal proceedings. 

Sincerely, 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 2025-04-24 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
Im following up on a previous dispute regarding inaccurate late payments reported by Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late marks are not showing on my XXXX report, which reflects a positive payment history, and TransUnion is reporting completely different information. This inconsistency across all three bureaus clearly violates the maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ).

Experian is also reporting these accounts without my consent, which goes against the permissible purpose law under 15 U.S.C. 1681b. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), reports based solely on transactions or experiences between a consumer and the person making the report should not be included in a consumer report unless certain criteria are met. Im the consumer, and I never gave permission for this reporting. 

Whats even more disappointing is that in my last dispute, Experian only corrected one account and completely ignored the rest of the errors I raised, including these. This is unacceptable.

Im asking the CFPB to please step in, take action, and hold Experian accountable for these reporting violations. If this error isnt fixed immediately, I will seek {$1000.00} per violation under 15 U.S.C. 1681o for negligent noncompliance and under 15 U.S.C. 1681n for willful noncompliance. Im simply asking for whats fair, accurate reporting, and accountability. At this point, I am demanding that Experian either correct the inaccurate late payments or remove these accounts entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I want to emphasize that this complaint is not being made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy, as required by law. These errors are having a significant and ongoing negative impact on my life. I urge you to take immediate steps to investigate and correct or remove these inaccuracies. In these challenging times, resolving this matter would not only bring reliefit would be a necessary and meaningful step toward restoring fairness to my credit standing.

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 2025-04-24 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: LA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 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: MO

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report serious concerns regarding the legality and legitimacy of my XXXX XXXX XXXX which I believe were originated and/or serviced in violation of the Family Educational Rights and Privacy Act ( FERPA ) .

I have contacted both the credit reporting agencies and the relevant loan servicers to dispute these accounts. However, I am now escalating this matter to the Consumer Financial Protection Bureau due to the seriousness of the potential FERPA violations and the lack of transparency and proper documentation from the involved parties. 
Specifically, I believe my education records and personally identifiable information were improperly disclosed or used without my prior written consent during the origination or servicing of my loans. As a result, I am questioning the enforceability and accuracy of these loan accounts and requesting your intervention in conducting a full investigation. 
Enclosed are copies of the dispute letters sent to the credit bureaus and loan servicers, along with supporting documentation related to the loans in question. 
Please review this matter and take appropriate action to ensure compliance with FERPA and the Fair Credit Reporting Act ( FCRA ). I respectfully request updates on any findings or resolutions regarding my complaint. 
Thank you for your assistance and attention to this issue. 
Sincerely, 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 2025-04-24 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: MO

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report serious concerns regarding the legality and legitimacy of my XXXX XXXX accounts, which I believe were originated and/or serviced in violation of the Family Educational Rights and Privacy Act ( FERPA ) . 
I have contacted both the credit reporting agencies and the relevant loan servicers to dispute these accounts. However, I am now escalating this matter to the Consumer Financial Protection Bureau due to the seriousness of the potential FERPA violations and the lack of transparency and proper documentation from the involved parties. 
Specifically, I believe my education records and personally identifiable information were improperly disclosed or used without my prior written consent during the origination or servicing of my loans. As a result, I am questioning the enforceability and accuracy of these loan accounts and requesting your intervention in conducting a full investigation. 
Enclosed are copies of the dispute letters sent to the credit bureaus and loan servicers, along with supporting documentation related to the loans in question. 
Please review this matter and take appropriate action to ensure compliance with FERPA and the Fair Credit Reporting Act ( FCRA ). I respectfully request updates on any findings or resolutions regarding my complaint. 
Thank you for your assistance and attention to this issue. 
Sincerely, 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A hard inquiries from the listed below appeared on my credit report dated [ XXXX XXXX ]. I did not authorize this inquiry, nor was I informed or provided any documentation. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ) which requires permissible purpose. I am requesting enforcement action and removal. 
( XXXX  XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation