vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: DC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I got these inquiries in my credit report that : Not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JPMCB AUTO JPMCB XXXX My SOCIAL SECURITY IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
I am writing to formally dispute a charge/issue associated with my account XXXX XXXX XXXXXXXX account XXXX : XXXX, which I believe to be inaccurate or erroneous. The issue I am disputing is as follows : Amount in question : {$4700.00} Description of issue : [ Briefly explain why you are disputing the charge, such as an unauthorized transaction, incorrect billing, service not rendered, etc. ] I request that this issue be investigated and that any necessary corrective action be taken. Please provide a response in writing within [ time frame, e.g., 30 days ] outlining the findings and any steps that will be taken to resolve 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
Between XXXX and XX/XX/year>, I sent multiple written disputes regarding a {$2100.00} collection account being reported by Jefferson Capital Systems. The account was first disputed with XXXX on XX/XX/year>, and again with XXXX on XX/XX/year>, stating that both the amount and the original creditor were inaccurate. On XX/XX/year>, I sent a formal debt validation letter directly to Jefferson Capital Systems via certified mail. 

To date, I have not received any proper documentation validating this debt. Jefferson Capital has not provided a breakdown of the balance, any contract bearing my signature, or proof that they are legally authorized to collect on this alleged debt.

Additionally, the credit bureaus have reported inconsistent informationlisting Jefferson Capital as the collector, while the debt appears to be originally tied to XXXX XXXX. This creates a confusing and inaccurate profile on my credit report. 

Despite my formal dispute and request for validation, Jefferson Capital continues to report this debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Account Number XXXX TransUnion / Equifax Subject : Formal Dispute Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am formally disputing the inaccurate and inconsistent information being reported on my credit file in direct violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The following account contains material errors that must be deleted immediately under federal law. 

Disputed Account Details : Date Opened : TransUnion ( XX/XX/XXXX ) vs. Equifax ( XX/XX/XXXX ) High Balance : TransUnion ( {$500.00} ) vs. Equifax ( {$660.00} ) Date Last Reported : TransUnion ( XX/XX/XXXX ) vs. Equifax ( XX/XX/XXXX ) Date Last Active : TransUnion ( XX/XX/XXXX ) vs. Equifax ( XX/XX/XXXX ) Date of Last Payment : TransUnion ( XX/XX/XXXX ) vs. Equifax ( XX/XX/XXXX ) These discrepancies clearly violate the accuracy and maximum possible accuracy standard required by 15 U.S.C. 1681e ( b ). The inconsistencies between TransUnion and Equifax prove that at least one bureau is reporting incorrect information. Because these inaccuracies are materially affecting my credit report, I am demanding an immediate investigation and complete removal of the erroneous information under 15 U.S.C. 1681i.

Additionally, if the information can not be verified, it must be deleted within 30 days per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Continued reporting of inaccurate data is a willful violation of the FCRA and exposes your agency to legal liability, including damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Trans Union and Equifax has left me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's Office. Additionally, I am prepared to seek legal action against your organization for noncompliance. 

Please provide me with written confirmation that this account has been deleted from my file within the legally mandated timeframe. I expect a response within 30 days of receipt of this letter. Send written response to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX, Michigan 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
IM filing a formal complaint against Loan Servicers : EXPERIAN, XXXX, AND XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. DEPARTMENT OF EDUCATION.

1. ILLEGAL CREDIT REPORTING- the credit bureaus continue to report student loan that are now unverified and legally questionable due to the dissolution of the DEPARTMENT OF EDUCATION.

2. FAILURE TO VERIFY LEGITIMACYOF DEBT.

The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agency 's abolishment.

3. UNFIAR AND DECEPTIVE PRACTICES, Continued collection of these debts constitutes a violation of my rights under the FCRA ( 15U.S.C 1681 ) AND FDCPA ( 15U.S.C1692 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized charge on my credit card account I did not authorize this transaction, nor did I receive any goods or services related to it. 

This charge was made by a former employee without my permission. As soon as I became aware of the unauthorized use, I took immediate steps to secure my account. I request that this charge be removed from my account and that a fraud investigation be conducted. 

I kindly ask that you respond to this dispute in writing and confirm the resolution as soon as possible. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this unauthorized charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
I have made numerous attempts to rectify the matter by contacting the companies directly as well as contacted the reporting agency to obtain pertinent information as to the method of verification used to verify the validity of the account status. In response I only received a generic letter stating the account had been verified yet nothing in regards to the processed used to verify the accuracy. One reporting agency ( XXXX ) even prolonged the process by saying my personal information submitted was not legible and that I had to resubmit the request even though the exact same information was submitted and accepted by the other agencies. I have retained a copy for my records. 

Letters were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The same generic responses each time. 

I'm not sure as to the dollar amount however there are two accounts reporting in the same time frame about a 2 months apart. One account JPMCM Auto reporting more than 30 days late on XX/XX/XXXX and the other is XXXX XXXX showing 30 days late reported on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please find below the email I sent them and I have attached their response as well. 

Subject : Request for Refund of Excessive Late Fees - [ Docket No. XXXX ] Dear Payment Department, I am writing to request a refund for the late fees charged to my credit card account, ending XXXX, which I believe exceed the permissible amount according to the Consumer Financial Protection Bureau 's ( CFPB ) final rule on credit card late fees. [ Docket No. XXXX ] The CFPB 's final rule sets a late fee safe harbor threshold of {$8.00} for large credit card issuers, which I understand applies to your institution. I have been charged late fees exceeding this amount on the following dates : XXXX Fee : {$25.00} XXXX Fee : {$37.00} XXXX Fee : {$25.00} XXXX Fee : {$37.00} XXXX Fee : {$37.00} XXXX Fee : {$37.00} XXXX Fee : {$37.00} XXXX Fee : {$37.00} XXXX Fee : {$37.00} I request that you review my account and refund the difference between the late fees I was charged and the {$8.00} threshold set by the CFPB, and also adjust the interest rate applied. 

I look forward to your prompt response and resolution to this matter. Please contact me at the phone number or email address listed above if you require any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment
of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
Re : Dispute of Unlawful Collection Attempt by XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am writing to formally dispute an unlawful collection attempt by XXXX XXXX XXXX in relation to the above-referenced account. The account in question was charged off by the original creditor, and I believe that XXXX XXXX XXXX is attempting to collect a debt that is no longer valid or legally collectible. 

To the best of my knowledge, the account was charged off by the original creditor on XX/XX/year> and I have not received any valid or accurate documentation indicating that now has the right to collect on this debt. Furthermore, I have not been provided with any proof that XXXX XXXX XXXX owns or has purchased this debt nor have I been provided with any legally required documentation substantiating their claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you investigate this matter and remove any inaccurate or misleading information related to XXXXXXXX XXXX XXXX attempts to collect on this charged-off account. If XXXX XXXX XXXX can not provide the necessary proof of their claim or validate their right to collect on this debt, I request that you remove this account from my credit report. 
I appreciate your prompt attention to this matter and expect a resolution in accordance with the law. 

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 explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> I submitted a written request to Experian, Equifax, and Transunion. I sent it per the instructions on there website, and included a copy of my ID, and a recent utility bill with my address.

I received a response from the three bureaus saying that they don't believe it was me who sent the request and to please call them to initiate a dispute. The problem is, I called the numbers and had to wait on hold for over 1 hour before eventually hanging up because I don't have the time to sit and wait until infinity. SO I sent another letter, saying " yes, this is me please believe me '' and I received the same response back.

I called back again ... ..and this time waited for 90 minutes before having to hang up. 

As a consumer I have the right to dispute information on my credit report without having to wait on hold for 90 minutes or be told by the bureau they won't investigate something for me because they don't believe I sent my own letter. I demand my rights to have items incorrectly reporting investigated.

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