vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase Freedom XXXX card had a balance over {$20000.00} within my {$24000.00} limit. Due to financial hardship and having no income last year, I was unable to pay the full balance immediately, but I made good faith efforts by making large, XXXXXXXX  payments toward it. Despite this, Chase charged me over {$4300.00} in interest over time, making my XXXXXXXX XXXX payments essentially worthlessas the interest rapidly outpaced my ability to reduce the balance. 

I contacted Chase to request an interest adjustment or financial relief due to my hardship, but they refused to offer any support or alternative resolution. The only solution they provided was to close my credit cardwithout regard for how this would further damage my credit and financial standing. Chase never provided a full breakdown of how the interest was calculated, nor did they escalate the matter meaningfully when I requested to speak to someone in a higher position. 

Their rigid exploitative handling of this situation and unwillingness to accommodate a legitimate financial hardship raises concerns of unfair or abusive practices under 12 U.S.C. 5531 ( UDAAP ), and a clear to act in good faith as Chase allowed interest to accrue excessively, essentially nullifying my payments. By ignoring my financial distress, they caused direct financial, emotional, and physical harm to me, and deserve regulatory scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX Opened in XX/XX/XXXX These accounts were added without my consent, and I had no participation in initiating them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX Opened in XX/XX/XXXX These accounts were added without my consent, and I had no participation in initiating them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
Experian, Equifax, and Transunion were notified that the following accounts are reporting inaccurate, or fraudulently : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name MOHELA/NAVIENT Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX BANK Account name XXXX XXXX XXXX  Account number XXXX Original XXXX XXXX XXXX BANK XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX By reporting these accounts they are in violation of Right to Privacy Act 15-USC 6801 . And by failing to properly validate the information they are reporting inaccurate information which violates law of FCRA ( Fair Credit Reporting Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc.
State: IN

Complaint narrative:
This complaint addresses XXXX XXXX XXXX violation of federal law. They are reporting and attempting to collect a vehicle-related debt allegedly assigned from XXXX XXXX. 
The name XXXX XXXX XXXX is not a consumer, it is a copyrighted trust estate. The actions violate : FCRA 15 U.S.C. 1681 ( unlawful reporting ) FDCPA 15 U.S.C. 1692 ( deceptive collection ) GLBA improper use of private identifying data Requested Resolution : Stop all collection, remove reports, and acknowledge the superior secured interest of the Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan unfortunately has been a part of the continued cesspool of illegal, preditory loan servicers, namely Mr. Cooper aka Nationstar. My recent issue with this servicer is Cooper continues to apply forced placed insurance to the loan via escrow impounds. In XXXX XXXX Cooper claimed the insurance that I already separately pay for, had expired. It had not. I then did routine of calling Mr. Cooper informing them of their error. They did nothing.I called a second time to their escrow and insurance department, with my insurance agent on a conference call, who also asserted that I had insurance. Thankfully, I record ALL my calls with Cooper. Even with providing proof and an insurance agent to validate the existing policy, Cooper performs an escrow assessment inflating my mortgage payment with the fraudulent forced placed insurance. I thought commiting fraud, and possibility of criminal prosecution would prompt correction. I have recorded calls with Mr. Cooper reflecting calls in XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this time, they made a payment of their forced placed insurance from the fraudulently inflated escrow impounds. I have now submitted a Notice of Error to Cooper demanding the force placed insurance is cancelled, the fraudulent escrow impounds removed and a refund of fees ind interest immediately. How are your that crooked and still TRY to get away with it. That's a head wedged firmly up a TX corporations XXXX..... make it STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards, auto loan and personal loan on my 3 credit reports. I didnt gove anyone permission or authorization to open these accounts. This is really affecting my ability to take care of my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account ( s ) on my credit report. Please remove from credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account ( s ) on my credit report. Please remove from credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, RE : IMMEDIATE DISPUTE AND DEMAND FOR DELETION - SPRING OAKS CAPITAL - FTC Identity Theft Report No. XXXX This is my first and only formal dispute regarding the fraudulent account reported by Spring Oaks Capital, allegedly opened around XX/XX/XXXX with a reported balance of {$680.00}. I did NOT authorize, open, or consent to any contract with this company. I demand the immediate permanent deletion of this account from all credit bureaus under : FCRA 15 U.S.C. 1681c-2 ( Section 605B ) : Mandating blocking of fraudulent accounts upon identity theft report.

FCRA 15 U.S.C. 1681i ( a ) : Requiring reinvestigation and deletion if unverifiable.

FCRA 15 U.S.C. 1681e ( b ) : Mandating maximum possible accuracy.

FCRA 15 U.S.C. 1681b ( f ) : Prohibiting use of consumer reports without permissible purpose. 

I also formally demand : The forward flow agreement showing how the debt was assigned. 
The complete chain of assignments proving legal right to collect. 
A copy of any signed contract I allegedly executed which I assert does not exist. 

If you fail to comply within 30 days, you are in willful violation of federal law, exposing your company to statutory damages under 15 U.S.C. 1681n and 1681o. 

Attached : FTC Identity Theft Report XXXX. XXXX ( attached for verification ). 

This is your final notice. I demand written confirmation that this fraudulent account has been deleted and blocked across all credit bureaus. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My name was in the XXXX  breach. I was XXXX  since XXXX  and I have a whole bunch of accounts and places rented in my name since then I just got out of the car ration XX/XX/XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
My information was exposed in the equifax data breach please remove all accounts from consumer report under us 605b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CT

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened 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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, RE : IMMEDIATE DISPUTE AND DEMAND FOR DELETION - JEFFERSON CAPITAL SYSTEMS - FTC Identity Theft Report No. XXXX This is my first and only formal dispute regarding the fraudulent account reported by Jefferson Capital Systems, allegedly opened around XX/XX/XXXX with a reported balance of {$2000.00}. I did NOT authorize, open, or consent to any contract with this company. I demand the immediate permanent deletion of this account from all credit bureaus under : FCRA 15 U.S.C. 1681c-2 ( Section 605B ) : Mandating blocking of fraudulent accounts upon identity theft report.

FCRA 15 U.S.C. 1681i ( a ) : Requiring reinvestigation and deletion if unverifiable.

FCRA 15 U.S.C. 1681e ( b ) : Mandating maximum possible accuracy.

FCRA 15 U.S.C. 1681b ( f ) : Prohibiting use of consumer reports without permissible purpose. 

I also formally demand : The forward flow agreement showing how the debt was assigned. 
The complete chain of assignments proving legal right to collect. 
A copy of any signed contract I allegedly executed which I assert does not exist. 

If you fail to comply within 30 days, you are in willful violation of federal law, exposing your company to statutory damages under 15 U.S.C. 1681n and 1681o. 

Attached : FTC Identity Theft Report XXXX. XXXX ( attached for verification ). 

This is your final notice. I demand written confirmation that this fraudulent account has been deleted and blocked across all credit bureaus. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccurate and misleading information being reported on my credit report regarding two student loan accounts with DPT ED/AIDV, reported through XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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