vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I got in touch with a person on offer up. I wanted to buy their XXXX XXXX. I sent the offer but the person told me it was not letting them accept it. The following day they asked if I would like to do the transaction outside the XXXX I agreed and said I would send the payment via XXXX XXXX after eceiving proof of shipping. We agreed and the person sent me a picture of them at the XXXX XXXX, then sent me a tracking number and a picture of the label. I then sent a {$420.00} payment via XXXX XXXX. Come to find out that the person just bought the label online and never actually shipped the package. There is XXXXwo tracking numbers because the sender got the address wrong the first time and supposedly went to go correct it. Here is the first tracking number : XXXX. The second and valid tracking number is : XXXX. Ive contacted XXXX various times. The first time they told me the package was dropped off but XXXX hadnt picked it up. The second time I was told that the package wasnt dropped off and to contact the shipper. The shipper has since not answered and now I dont have {$420.00} nor a camera. I disputed it with chase on XX/XX/XXXX and it was rejected on XX/XX/XXXX saying it was an authorized charge however it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent reporting to credit bureaus regarding the closed account on XXXX XXXX, [ Account closed by credit grantor ] which you claim [ such as I owe {$740.00} ] included late fees after closed account.

I request that you provide me with a copy of any viable evidence showing the account is being reported accurately.

I am requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report..

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount [ {$740.00} ]. I am also requesting the record that reflects the process by which my signature was generated/executed. Under the FCRA, furnishers of credit data are required to report only complete and accurate information. Reporting a balance higher that of the maximum credit limit is clear evidence of inaccuracy. FCRA 1681g and 1681h by failing to provide requested disclosures, contracts, and original documentation validating the debt. 
The CFPB took action against XXXX XXXX for failing to provide proper disclosures about credit card fees and penalties. This case highlights the importance of transparency and the consequences of failing to notify consumers of changes to their account terms.

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 2025-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I have disputed this account dated XXXX XXXX for the amount of XXXX because I have never lived there. My last dispute was XXXX XXXX I have sent them proof and also request proof and they did not comply. On XX/XX/year> they said the account was accurate and updated. That is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: UT

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX and their continued negative credit reporting while we are involved in ongoing litigation with them. 
We have been in active legal dispute with XXXX XXXX for over a year, concerning the cancellation of our timeshare agreement. As part of our effort to resolve the matter, we retained legal counsel, who formally advised us to cease making payments on the account while the litigation is pending. This advice was given due to the potential negative implications continued payment could have on our legal case. 
Our attorney has also provided a formal statement for the credit bureaus, clarifying the litigation status and the recommendation to withhold payments. Despite this, XXXX XXXX has continued to report negative information to the credit reporting agencies, which we believe is unfair and prejudicial, especially given the legal context and ongoing dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 XXXXXX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NE

Complaint narrative:
I am writing this affidavit because I have fraudulent accounts on my credit report, I have disputed with letters and calls however they were not able to provide me with proof or details. So I am now exercising my rights under the FCRA law that allows me to request for unauthorized accounts and information to be removed. These are the following accounts that I demanding to be removed. XXXX, XXXX, XXXX XXXX, XXXX, And these are the names of all unauthorized inquiries I am reporting as fraud. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: MS

Complaint narrative:
This company have been calling and texting me harassing me about paying debt that I didnt know that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CO

Complaint narrative:
A XXXX XXXX from I.Q Data international called myself and my partner today XX/XX/year>. He called me first i missed the call. The number was shown XXXX. A few moments later the same number called my partner at XXXX. Stated his name was XXXX XXXX with I.Q data international. Immediately he was asking for us to pay our debt of XXXX XXXX I had answered the phone and was being very nice told him we couldnt pay that if we could do a payment plan and he immediately became very defensive saying if we didnt pay this debt TODAY, we were going to be in detrimental financial trouble. I asked how and what would that entail. He refused to say just said we needed to pay this debt today or he would go ahead with the collections process of garnishing our wages and such. He was very threatening on the phone so I handed the phone to my partner which was on the phone another 19 minutes. He was bringing up to ask our specific family members for money which was very striking as how would this strange man on the line know our personal relationships with our families.? That was very scary to say the least. The tactics this company uses is very bad and is causing many people distress! They refuse to work with consumers who barely make a living and threaten us with legal action. 
The number my partner was given to call back was XXXX and the mans extension XXXX is XXXX. After reading many other peoples comments about this company and this specific man is illegal!! This company needs to be investigated on how their practices are and how they communicate with consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I dispute the Hyundai XXXX XXXX account ending in XXXX as the result of identity theft. I never authorized this account to be charged off. The vehicle tied to this account was declared a total loss and was fully settled by insurance. I never consented to any continued liability after the settlement, and I did not authorize Hyundai XXXX XXXX to report this account as delinquent or charged off. There are XXXX late payments reflected on my XXXX  credit file yet the account is inaccurately listed with a charge-off balance of {$3300.00} and ongoing monthly derogatory updates through XXXX. 

This tradeline violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and federal tax law : FCRA 1681c-2 ( c ) XXXX  failed to block identity theft-related data within 4 business days of receiving my FTC Identity Theft Report ( Ref. No. XXXX ), photo ID, proof of address, and written statements FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) illegal re-aging by continuing monthly updates after the XXXX charge-off FCRA 1681i ( a ) ( 5 ) ( A ) refusal to delete unverifiable or misleading data 26 U.S. Code 6050P no 1099-C was ever issued for the charge-off over {$600.00}, making the reporting noncompliant and misleading This charge-off is fraudulent and not based on any valid delinquency. The 24-month payment history clearly shows CO updates ( Charge-Off ) without any prior 30, 60, 90, or 120-day late entries. There is no valid basis to report this as a legitimate charge-off.

I demand that XXXX permanently delete this identity theft-related account within four ( 4 ) business days, as required by FCRA 1681c-2 ( c ), and provide written confirmation. If XXXX fails to comply, I will escalate to the FTC, IRS Criminal Investigation Division, CFPB enforcement, and pursue all legal remedies under FCRA 1681n and 1681o. XXXX has also repeatedly reinvestigated Hyundai XXXX XXXX Account ending in XXXX, which is a current, positive account with no dispute on file. I never initiated any dispute or requested a reinvestigation for this account. It is properly reported as pays as agreed. The repeated reinvestigation constitutes unlawful interference under FCRA 1681i ( a ), which only permits reinvestigation when initiated by the consumer. This interference is harmful, unnecessary, and part of a broader pattern of reckless or automated misconduct by 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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-30 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: CO

Complaint narrative:
I have been trying to get a hold of the bureaus in regards to an error on my credit file. Back in XXXX I lost my job and it really set me back. so I called XXXX XXXX  to see if they had any available plans for me and the rep advised he could put XXXX payments towards the end of my loan and I agreed however, I was never informed this would cause a recurring late on my account or I would have never agreed. I had family who had offered to lend me money etc. This is not my fault. 

XXXX XXXXXXXX XXXX is also an issue. This account type is reporting as a " Mortgage account ''. This was for a water softener, at no point was this a mortgage. Under FCRA all accounts must report to " maximum accuracy '' and this is not compliant and must 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 explanation