vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I rented a car from XXXXXXXX XXXX XXXX in late XXXX, 2024. During the rental period of about a week, XXXX XXXX XXXX XXXX. I reported it to XXXX, my insurance carrier ( XXXX XXXX ) and Chase credit card services. My insurance covered the damages except for the deductible. That is covered by Chase credit card services. They put me in touch with XXXX XXXX XXXXXXXX who manages this sort of thing. They requested paperwork. I sent the paperwork. A month went by. They then sent the exact same request for paperwork. I sent the paperwork. This happened 2 more times. They owe me the money -- - or Chase does. I don't care which. They have a reputation for delaying customers in hopes the customer will go away. I won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

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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 2025-04-25 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: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I keep getting text messages from Resurgent Debt saying I owe XXXX for a gas bill from XXXX XXXX. I sent in a report previously that my identity was stolen, and there were inquiries and errors on my credit report that weren't mine. I do not owe this company this amount, I have never heard of Resurgent, and my credit report shows another credit for the same account named LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX Balance {$190.00} Open Date XX/XX/XXXXXXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  Balance {$3000.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX and for XXXX XXXX I am submitting this complaint for Checking Account : XXXX - Savings Account : XXXX I need dispute claim number XXXX for {$7.00} for clapper to be reopen or appeal to be reopen and investigation again because I disagree with the decision that made on it or provide me a onetime credit to the account for it because I really need the money back and provide me the new update for the new decision and also do the same for all my denied claims and in progress claims appeal them to be reopen or investigation again because I disagree with the decision and provide me the new update decision for all of them when they all get investigated again or prove me a onetime credits for them because I really need the all the money to be refund or credit back to me and also for claim dispute number is XXXX I need the reverse to be put on hold XXXX or before or after until their a new decision update and provide me a onetime credit if it is denied again or all denied again because I need my money back and also tell me what they going to do with the {$7.00} if they cant debit it out of my account because my account is closed by yall and do it to any other fees that will be reverse will it go to a debit collection agency or no what will they do and also provide me a onetime credits for all the reverses fees claims because I cant pay it right now of a hardship I am having and also close all debts cards and accounts for XXXX XXXX and XXXX XXXX and remove access to login banking access username is is XXXX and username is XXXX and also provide me the account balances for saving and checking account and when will I get my {$1.00}. something cents to me by a check to me in a mail to XXXX XXXX XXXX XXXX Pennsylvania XXXX and also send me all my left over funds to that address and look at attachment below please for clapper why I need to dispute it for because I was charge the wrong amount and bill again when I wasnt supposed be bill again etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
TransUnion is currently reporting multiple charge-off and collection accounts that are either inaccurate, unverifiable, or entirely misleading in nature. The following accounts are in dispute : XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX )  {$0.00}, XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX )  {$1200.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) {$530.00}, XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX  ) {$1200.00}, XXXX XXXX XXXX XXXX. ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) {$850.00}, XXXX XXXX XXXX XXXX. ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) {$1800.00}, and XXXX XXXX XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) {$1600.00}. Several of these accounts are duplicated across other bureaus, reported under different names or identifiers, which misrepresents the total amount of debt allegedly owed. Others, such as the XXXX account, are showing a {$0.00} balance but are still listed as derogatory, which creates a deceptive impression of delinquency when in fact, the obligation is not even outstanding. This contradicts the Fair Credit Reporting Acts requirements under 15 USC 1681e ( b ) that mandate maximum possible accuracy. Additionally, I have disputed many of these entries before, and TransUnion has failed to conduct a thorough reinvestigation in accordance with 15 USC 1681i. No account validation, original contracts, or signed documents have been presented by the data furnishers for any of these listings. The continuing inclusion of unverifiable or duplicative information represents a serious violation of federal consumer protection law.

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 2025-04-25 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: FL

Complaint narrative:
On the XX/XX/year> I called and wrote transunion to report the fraud and unauthorized inquiries when I called I was told it would be handled Im want the inquiry cause I never open that inquiry nor thoses accounts. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under FDCPA l 've filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

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 2025-04-25 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: IN

Complaint narrative:
XXXX has put a medical debt on my credit report and list my provider

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX  XXXX XXXX * * * * Balance : {$0.00} & XXXX XXXX * * * * Balance : {$1100.00}

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 2025-04-25 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: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Drivers license stolen and multitude of phone accounts created under my name.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
To Whom It May Concern, I am escalating my complaint regarding Goldman Sachs Bank USAs continued mishandling of unauthorized transactions on my Apple Card account totaling {$3000.00}. 

On XX/XX/year>, I delivered a formal Notice of Intent to Arbitrate to Goldman Sachs designated address as required under the Apple Card Customer Agreement. The notice was received and acknowledged via certified mail. Despite providing overwhelming, third-party evidence and multiple opportunities for resolution, the Bank has refused to reverse the unauthorized charges or properly investigate the matter. 

Goldman Sachs has now had ample time to : Review the merchant order confirmations showing that goods were shipped to an unrelated individual ( XXXX XXXX ) at a California address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA ) Review my Nevada driver license proving my legal address in XXXX XXXX, NV, confirming no connection to the transactions Review multiple dispute reassertions, CFPB complaints, and formal notices documenting procedural violations Instead, the Bank continues to issue boilerplate denial responses, falsely reframing my dispute as an account takeover issue, when the actual claim involves unauthorized charges and unauthorized benefit to a third party a clear violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ). 

Their repeated refusal to acknowledge material evidence or conduct a good faith investigation constitutes a violation of federal consumer protection laws and is indicative of unfair, deceptive, and abusive acts and practices ( XXXX ). 

I have preserved Goldman Sachs prior CFPB responses as exhibits for my upcoming arbitration filing, which document : Repeated denial of valid claims Misrepresentation of the dispute facts A complete failure to meet their burden under the XXXX and XXXX XXXX I will be filing a formal arbitration demand through JAMS immediately after the expiration of the 30-day notice period on XX/XX/year>, seeking : Full reimbursement of {$3000.00} Recovery of any related fees, interest, or penalties Recovery of XXXX arbitration filing and case fees Additional statutory damages where applicable I request that the CFPB continue to investigate this matter not just individually, but in the broader context of Goldman Sachs dispute handling practices, which appear systematically non-compliant and harmful to consumers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've provided all information necessary to take accounts that were in collection and showing that were still opened, while i paid in full all accounts and provided the confirmation of payments. but Experian or Transunion have not updated my credit score report after XX/XX/year>. Even though i have a result from them that the disputes were resolved and accepted, the information does not reflect on the credit 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 2025-04-25 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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