vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address an issue with my credit report concerning a late payment on XX/XX/year> that were inaccurately reported during the XXXX pandemic. During this period, I experienced significant hardship due to job loss and, as a result, made accommodations with XXXX to ensure my account remained in good standing. I was assured by XXXX that the account would not be negatively affected during this time frame. 

Under the CARES Act, I was entitled to certain protections, including the option for forbearance and relief from adverse credit reporting for accounts in good standing prior to the pandemic. However, I have noticed that late payments have been reported on my credit report, which is directly contradicting the assurances made to me and the protections I am entitled to under the Act. 

I previously submitted a dispute to Experian regarding these late payments, and I recently received notification that the results of my dispute indicated that the late payments will remain on my account. However, I feel that a proper investigation was not conducted. There are clear records in XXXX ' system showing that I called in and entered into a payment plan, and these should be reflected accordingly on my credit report. 

I respectfully request the following : A thorough reinvestigation into the reporting of these late payments. 

A clear explanation of the steps taken during your investigation, including confirmation of who was contacted at XXXX. 

The removal or correction of the late payments from my credit report to accurately reflect the accommodations made under the CARES Act. 

If this matter is not resolved to my satisfaction, I will have no choice but to proceed with arbitration as the next step.

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 2025-07-06 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Subject : Chase Reporting Inaccurate Account Not Listed on Any Credit Bureau Request for Removal and Damages Under FCRA 605B and 611 Company : JPMorgan Chase Bank , N.A . 
Product : Credit Card Issue : Incorrect information on credit report Consumer Complaint Narrative : I am submitting this formal complaint against JPMorgan Chase regarding a credit card account, partial account number XXXX, which continues to appear in my Chase mobile app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX XXXX XXXX of todays date. 
In support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security card , proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the Chase account in question as unauthorized or related to identity theft, current copies of all three bureau reports showing the account has been deleted, and a screenshot from my Chase app clearly displaying that the account remains visible and active internally. 
Under the Fair Credit Reporting Act ( FCRA ), Chase is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with 605B [ 15 U.S.C. 1681c2 ]. Furthermore, under 611 [ 15 U.S.C. 1681i ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. Chases continued retention and display of this accountdespite its removal by all three credit bureaus and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. 
This situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that Chase may still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA 616 [ 15 U.S.C. 1681n ] and/or negligent noncompliance under FCRA 617 [ 15 U.S.C. 1681o ].

Therefore, I am requesting that Chase permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the distress, harm, and violation of my rights under federal law. 
Please confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX my date or birth is XXXX XXXX. 
My account number it is in Experian XXXXExperian report the my payment To XXXX XXXX on XXXX XXXX of {$240.00} it is in collection. I do has the evidence can show I do not own money to XXXX XXXX. The payment is paid.

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 2025-07-06 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a tradeline that Jefferson Capital Systems is furnishing to XXXX. The account references a debt originally opened with XXXX XXXX XXXX on XX/XX/XXXX, but Jefferson Capital is reporting a Date Opened of XX/XX/XXXX, which is not accurate and appears to be an attempt to re-age the debt. This is a violation of FCRA Section 623 ( a ) ( 5 ).

Jefferson Capital contacted me and advised that if I intended to dispute the debt, I needed to do so in writing by XX/XX/XXXX. They stated that it would stop the collection and reporting process until proof was furnished. I complied and sent a certified dispute letter on XX/XX/XXXX, which was delivered and signed for. In that letter, I lawfully requested : Full debt validation and breakdown Proof of ownership Proof of assignment or sale from the original creditor A copy of the original signed contract Acknowledgment that the original creditor had already removed this tradeline after a previous dispute To date, Jefferson Capital has not responded with any documentation, yet continues to report the tradeline to XXXX. This is a clear violation of FDCPA Section 809 ( b ) ( 15 U.S. Code 1692g ), which requires a debt collector to cease collection and reporting until validation is provided. 

Additionally, I have disputed this tradeline with XXXX, and they have allowed the account to remain with no proof provided. FCRA Section 611 ( 15 U.S. Code 1681i ) requires the credit bureau to conduct a reasonable investigation, which includes : Contacting the furnisher, Requiring documentation, and Providing the consumer with a description of the procedure used to verify. 

To date, XXXX has not provided a description of the investigation or what Jefferson Capital sent as verification. An " electronic response '' or checked box does does constitute account verification by law. Simply accepting a generic statement from the furnisher is not considered a reasonable investigation under the law. As a consumer, knowing my rights, I am aware that reporting agencies profit from the collection agencies and therefore do very little follow the law as requires them to do more than the automate processes the rely on. They also rely on the fact that most consumers will get tired of fighting and may not actually sue or file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Colony Brands, Inc.
State: TX

Complaint narrative:
Inaccurate XXXX have formally disputed the charge-off entry listed on my credit report from Montgomery Ward for account XXXX XXXX I believe this account is inaccurately reported and request a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe the following information is incorrect and this account was wrongfully charged off as I had no balance on the account. This was disputed with all three credit bureaus, however since XX/XX/year> this is matter is still reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This all started on XXXX XXXX when I check my bank account on the XXXX I noticed that my XXXX  bank payment went through twice. I then called the bank and they refused to do anything about the problem. I asked for a supervisor and then refused to get me on. All they had to do is reverse the XXXX payment but they refused. I admit I yelled at the banker for not doing anything. On Thursday they sent be an email saying my XXXX XXXX  account was only hold. I noticed they put a hold on for no reason. I called them and asked why. They then told me it was because the interaction I had with the banker. They kept my funds it has nothing to do with fraud or money laundering or illegal trans actions. A few days later I not a letter saying my other bank account was on hold. Due to the interaction I had with the person on the phone. They illegally froze my second account and refused to let me access my money. In the mean time I let all debit transactions go through and let all my ach payments bounce even though I had plenty of money. Witch caused me all kind of late changes and charge backs. And since they illegally froze my account I was not able to pay any of my bills. My gas is shut of and my water is shut off due to them illegally closing my bank account And even though my account was frozen they excepted my direct deposits from Social security and SSi payments that is federal benefits a f post and my work deposit go through but yet they would not give me the money. They sent me a letter telling me to go up and get my money before XX/XX/XXXX. I then went to the bank to close out my account and withdraw my money and they refused to allow me to withdraw my money and refused to lift the hold on my account so I can do a bank to bank transfer for my funds so that I can pay my bills and get my gas and water turned back on. I never knew a finical institution hold your money or funds and let me access fund when their was nothing illegal going on. What they did was illegal. My bank accounts are now closed and don't have the money and still cant pay my bills and they credit card bills are recurring late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$1300.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$8600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$2700.00}

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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX ( Acct XXXX ) RE : Debt Validation Request Account Number : N/A Amount Reported : {$1500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX ( Acct XXXX ) RE : Debt Validation Request Account Number : N/A Amount Reported : {$1500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I contacted the company to request an Investigation of Inaccurate Charges I formally disputed the charge-off entry listed on my credit report from I believe this account is inaccurately reported and I requested a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe the following information is incorrect : Due to incorrect account balance, I was never provided the information as requested, I also asked to have the documentation verifying the charges on my account, and if they were unable to validate the accuracy of this information within 30 days, I requested its immediate removal from all credit bureaus. This has been an ongoing issue since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> TD Bank cut a check for {$35000.00} they never contacted me to see if this was authorized by me. I did not see this until XX/XX/year>, when I went into the account to see if my tenant rent was paid. That's when I saw that we were missing {$35000.00} dollars from the saving account. I went right down to TD Bank and file a fraud report. They supplied me with the information that XXXX XXXX cut a check from Bill Pay. Another red flag should have gone off because I have never set up or even used Bill Pay on this account I feel at this point the bank has washed their hands of the entire matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I lost my wallet which contained my Social Security card, state ID, and bank cards. I was not able to recover it and replaced the documents when I could. 

Since then, accounts and inquiries I do not recognize have appeared on my XXXX XXXX. These were not opened or authorized by me. I believe I am a victim of identity theft. 

I have attached my cXXXX XXXX, a bank statement with my current address, and a dispute letter. Please investigate and permanently remove any fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I lost my wallet which contained my Social Security card, state ID, and bank cards. I was not able to recover it and replaced the documents when I could. 

Since then, accounts and inquiries I do not recognize have appeared on my XXXX XXXX. These were not opened or authorized by me. I believe I am a victim of identity theft. 

I have attached my cXXXX XXXX, a bank statement with my current address, and a dispute letter. Please investigate and permanently remove any fraudulent information.

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 2025-07-06 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: GA

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXXXXXX

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