vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX  XXXX,. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


This is a formal complaint against Chase-JPMCB a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

Chase-JPMCB XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
I have no connection with the listed creditors and never approved this inquiry. Please remove it from my credit record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Blake Enterprises, LLC
State: MS

Complaint narrative:
Never gave credit for loan being repaid in cash at the store. Took the funds out my account. Now the store is permanently closed. I have no way of contacting them. This happened in XX/XX/year>. Clerk said I can come in the store and pay. Did that and was still double charged

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  sold an account under my name to another company... 
They sold all of my private and personal information as Names, addresses and Social Security Number. 

Also XXXX XXXX XXXX  is falsely reporting on my credit reports under this account, XXXX XXXX XXXX XXXX XXXX paid all ready in full for this debt By this I will be filling a lawsuit against 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 2025-10-02 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received All Bank Statements and it clearly SEE the problem s they have few Addresses on file, which is completely wrong, I NEVER LIVED IN OR RECEIVED NO MAIL BECAUSE WE WEREN'T ALLOWED TO USE ADDRESS TO RECEIVE MAIL. I did not make address change I am victim of identity fraud, I've explained this few many times. 
They haven't requested a copy from XXXX  it gives you Location I lived in. Which doesn't match what bank has on file. Unfortunately they mailed debit card and funds were used taken from my account, It's being now long time and I still haven't received my money Is getting extremely difficult having to explain over and over I had file froud report to EDD Department. 
I am victim of my identity has being stolen and used. I haven't received money which is bank mistake for not taking extra step to verify or investigate I never received debit card it was mailed to wrong location a location I never lived in.

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 2025-10-02 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
XXXXGreetings, Although there are a few issues of error and also fraud with this account, I submit for the following herein; In accordance with the Fair Credit Reporting Act I believe the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681; to wit: Account name: # XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX) has violated my rights. Federal Statues believed to have been violated in this instant matter: 1. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 2. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 3. 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 4. 15 U.S.C. 1681s-2 (A)(1) A person shall 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. Further; XXXX XXXX XXXX  failed to report and credit payments, as well as violating my protected consumer rights under federal statute, to send credit card statements on time in violation of Regulation Z (1026.5(b)(2)(ii)), a section of the Truth in Lending Act (TILA) implemented by You; the Consumer Financial Protection Bureau (CFPB). This regulation requires that periodic statements be delivered at least 21 days before the payment due date to ensure cardholders have ample time to review their bills and make payments. This was also in violation of 12 U.S.C.  1026.13(a)(7). After which I believe and witnesses that they posted late payments, et al on the 3 major credit reporting agencies. In my certified, notarized letter to XXXX XXXX XXXX, I wrote in part: "the monthly statement for this credit card that I was supposed to receive recently in the mail was retracted? Pulled back somehow to XXXX XXXX XXXX. Thereby I have not received one. Obviously, no statements means no statement of paid accounting available, nor ability to mail in the normal discharge of monthly statements of billing. A very odd situation, one that I have never had happen in my life." - XXXX XXXX want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
XXXXGreetings, Although there are a few issues of error and also fraud with this account, I submit for the following herein; In accordance with the Fair Credit Reporting Act I believe the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681; to wit: Account name: # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX) has violated my rights. Federal Statues believed to have been violated in this instant matter: 1. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 2. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 3. 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 4. 15 U.S.C. 1681s-2 (A)(1) A person shall 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. Further; XXXX XXXX XXXX  failed to report and credit payments, as well as violating my protected consumer rights under federal statute, to send credit card statements on time in violation of Regulation Z (1026.5(b)(2)(ii)), a section of the Truth in Lending Act (TILA) implemented by You; the Consumer Financial Protection Bureau (CFPB). This regulation requires that periodic statements be delivered at least 21 days before the payment due date to ensure cardholders have ample time to review their bills and make payments. This was also in violation of 12 U.S.C.  1026.13(a)(7). After which I believe and witnesses that they posted late payments, et al on the 3 major credit reporting agencies. In my certified, notarized letter to XXXX XXXX XXXX I wrote in part: "the monthly statement for this credit card that I was supposed to receive recently in the mail was retracted? Pulled back somehow to XXXX XXXX XXXX. Thereby I have not received one. Obviously, no statements means no statement of paid accounting available, nor ability to mail in the normal discharge of monthly statements of billing. A very odd situation, one that I have never had happen in my life.XXXX XXXX XXXX XXXXI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.'

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 2025-10-02 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: NY

Complaint narrative:
XXXXGreetings, Although there are a few issues of error and also fraud with this account, I submit for the following herein; In accordance with the Fair Credit Reporting Act I believe the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681; to wit: Account name: # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX) has violated my rights. Federal Statues believed to have been violated in this instant matter: 1. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 2. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 3. 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 4. 15 U.S.C. 1681s-2 (A)(1) A person shall 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. Further; XXXX XXXX XXXXXXXX failed to report and credit payments, as well as violating my protected consumer rights under federal statute, to send credit card statements on time in violation of Regulation Z (1026.5(b)(2)(ii)), a section of the Truth in Lending Act (TILA) implemented by You; the Consumer Financial Protection Bureau (CFPB). This regulation requires that periodic statements be delivered at least 21 days before the payment due date to ensure cardholders have ample time to review their bills and make payments. This was also in violation of 12 U.S.C.  1026.13(a)(7). After which I believe and witnesses that they posted late payments, et al on the 3 major credit reporting agencies. In my certified, notarized letter to B of A, I wrote in part: "the monthly statement for this credit card that I was supposed to receive recently in the mail was retracted? Pulled back somehow to XXXX XXXX XXXX. Thereby I have not received one. Obviously, no statements means no statement of paid accounting available, nor ability to mail in the normal discharge of monthly statements of billing. A very odd situation, one that I have never had happen in my life." - XXXX XXXX  want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.'

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