vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and report XXXX fraudulent accounts that have been wrongfully reported on my credit file. These accounts were not opened or authorized by me and are the result of identity theft. 
The fraudulent accounts include : - XXXX XXXX XXXX Reported on XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XXXX Reported on XX/XX/XXXX - XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX and XX/XX/XXXX These unauthorized entries have led to inaccurate collections and inquiries on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that these accounts be immediately removed from my credit report and that any related collection activity cease. 
Enclosed you will find my FTC Identity Theft Report and identifying documentation to assist in your investigation. Please confirm in writing once these items have been removed and the matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
I NEVER LIVED AT : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX These accounts were removed and then reinserted without notification of investigation these accounts were not verified I DONT RECOGNIZE THESE ACCOUNTS AS REPORTED WHICH ARE RESULT OF ID THEFT THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUD HARD INQUIRES AND COLLECTIONS APPEARING ON MY CREDIT REPORTS I DEMAND THAT THE AFOREMENTIONED FRAUDELENT ITEMS BE REMOVED LISTED IN THIS COMPLAINT OR LETTER AND ALL COLLECTIONS IN REFERENCE TO THESE ACCOUNTS to CEASE AND DESIST I recently discovered that Credit Bureaus reporting numerous accounts that do not belong to me. Someone has been using my name, social security number, and date of birth to obtain these accounts. These collections, medical and accounts do not belong to me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates , LLC is saying that I owe them {$690.00} from the original creditor of XXXX XXXX Bank. They stated that my account was sold to Portfolio Recovery and that my bank or creditor made a business decision to sell my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I am the primary cardholder and recently discovered several fraudulent transactions made on an unauthorized additional card, which was activated and used without my consent. I never received the physical card in person. 
Fraud Transactions Summary : Date Description Amount XXXX XXXX XXXX XXXX XXXX CA {$370.00} XXXX XXXX XXXX XXXX XXXX CA {$440.00} XXXX XXXX XXXX XXXX XXXX CA {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$2800.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA {$71.00} XXXX XXXX XXXX  XXXX XXXX XXXX CA {$220.00} All of these transactions occurred between XX/XX/XXXX and XX/XX/XXXX and were made without my authorization. The total amount of the fraudulent charges is {$4400.00}. 
Actions Taken : I reported all of these transactions to American Express ( AMEX ) as soon as I became aware of them. The case number is XXXX and the reference number is XXXX. 

Despite my repeated efforts over the past XXXX months, AMEX has rejected my dispute for all the fraudulent transactions and has not provided any further details, such as who activated the additional card, when it was activated, or how it was activated without my authorization ( e.g., signature, phone call, or verification code ). 

I have also filed a police report. The police report number is XXXX. 

I am extremely frustrated and concerned by the lack of resolution and transparency from AMEX regarding this serious case of fraud. These unauthorized transactions have caused me significant distress, and I am seeking urgent assistance in resolving this matter. I respectfully request a thorough investigation and a clear explanation of how this additional card could have been activated and used without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, I sent a formal dispute letter by USPS Certified Mail XXXX XXXX XXXX XXXX XXXX XXXXUSPS shows it was delivered on XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXXXXXXTransworld Systems Inc (TSI) is illegally reporting a XXXX XXXX  collection account ($94) to XXXX XXXX XXXX I formally disputed this account by certified mail on XXXX XXXX XXXX (USPS Certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX). Under the Fair Debt Collection Practices Act (FDCPA  809(b)) and Texas Finance Code  392.202(a), TSI was legally required to cease collection and reporting until they provided full written validation (original contract, detailed breakdown, and proof of authority to collect). To date, they have never sent validation, yet they continued reporting the account as dispute resolved and even newly inserted it on my XXXX report by XXXX XXXX XXXX, despite it not appearing there on my XXXX XXXX XXXX report.XXXXBy law, TSI was required to complete investigation and correction or deletion within XXXX  days of receiving my dispute (Texas Finance Code  392.202(a) and FCRA  611(a)(1)(A)), which means they should have fully validated or permanently deleted the account by XXXX XXXX XXXX  at the latest. Instead, they violated FDCPA  809(b), FCRA  623(a)(1)(A) and  623(a)(2), and Texas consumer laws by continuing to furnish inaccurate, unverified, and reintegrated data to credit bureaus without proper notice.\n\nI respectfully request that CFPB require TSI to immediately and permanently delete this account from all credit bureaus, confirm this in writing, and cease any future re-reporting or transfer of the debt.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a call from a number with a CHASE caller ID. The person said they worked for the chase fraud department and that there had been a possible fraudulent charge made to my account from XXXX. He asked if I made this charge and I said no. He then read to me three other charges from the same day to verify if I had made these charges, which I had. He told me that he would shut down my debit card and reissue me a new one. At some point during the call he sent a verification to my chase app so it all seemed real. Before ending the call he said he would call me back in 24-48 hours to set up out of state fraud alerts. I went to my branch after this call just to verify that it was all legit and not a scammer. My branch manager said that as far as he could tell it all seemed legit and that there were fraudulent charges made to my account at that time, and just to keep an eye on my accounts. 

On XX/XX/XXXX I received a second call from the same number and person. He said that he was calling to set up out of state fraud alerts and sent another verification to my app. He then said he would call me back in 15-20 minutes once he had the alerts set up and to go over everything with me. Within 5 minutes of ending this call, I checked my app and noticed there had been several withdrawals and transfers totaling roughly XXXX. Within an hour a charge to XXXX as well as two separate ATM withdrawals for {$240.00} each were made. I called Chase immediately and they said they could not file a claim at the time because the charges were still pending. I went into my branch on XX/XX/XXXX and they said the same thing since charges were still pending. The charges went through on XX/XX/XXXX and I went back to my branch to file the claims and change my account numbers, username, password, pin, and debit card. 

As of right now the claim for the {$84.00} XXXX purchase and {$1000.00} withdrawal has been approved. The claim for the {$480.00} ATM withdrawals was denied. The claim for the {$7500.00} and {$2400.00} withdrawals is still pending. 

I called Chase about the denied claim and they said even though I had not received the card that was used for this withdrawal, they had to deny it because there was a PIN number used. This was the reissued card that I had not received yet therefore did not choose a PIN number for. Chase denied my request to file an appeal or reopen the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Fraudulent Secured Card Account Bank of America FCRA Violations and Demand for Permanent Deletion To Whom It May Concern, This complaint concerns a fraudulently reported secured credit card account by Bank of America : Account # : XXXX Opened XX/XX/XXXX Balance : {$420.00} FTC Identity Theft Report No. : XXXX I did not apply for this card nor did I authorize any application, use, or transaction. I discovered this fraudulent account only after reviewing my credit file in XXXX. 

This reporting violates : 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) Furnishers failure to investigate accurately 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681c-2 Identity theft protection requirements I demand Bank of America XXXX XXXX following immediately : XXXX. Certified copy of the original application or contract XXXX. Full description of the method of verification XXXX. The complete investigation results with audit history XXXX. Documentation of any ownership, assignment, or securitization XXXX. Metro 2 compliance logs verifying the accuracy of tradeline reporting If accuracy, authorization, and lawful ownership can not be legally validated, this account must be permanently deleted.

Bank of America is now on notice of its potential liability under : 15 U.S.C. 1681n ( Willful violation ) 15 U.S.C. 1681o ( Negligent violation ) 15 U.S.C. 1681q ( False pretenses ) 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Concora Credit is the only negative item on my credit report. They claim that in XXXX of 2024 I was 30 days late. They returned an {$80.00} payment, stating that it did not go thru. I had plenty of money in my checking account so I do not know how this would be possible. Instead of reaching out to me ; call, text, e-mail, etc. they chose to not notify me and instead reported me 30-days late to the credit bureaus. I was under contract to buy a house at the time. This 30-day late resulted in my credit score going from about XXXX to about XXXX. This means I no longer qualified for the loan, I lost the house & my {$5000.00} deposit. I repeatedly requested they remove this late fee as I do not agree it is accurate! I've sent letters, I've begged, I've pleaded, I hired an attorney who's ready to file a lawsuit against them but he said to go ahead and file complaints with CFPB, XXXX XXXXXXXX, etc. first. I even canceled the card in XXXX of this year in hopes to get this removed from my credit report altogether. I had this card for several years and this was the only late payment. 
I'm reaching out to everyone that I can to inform them of this ordeal and warning everyone I know now to do business with this shady credit card company, I wish I never I never got a Concora credit card to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
I NEVER LIVED AT : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX These accounts were removed and then reinserted without notification of investigation these accounts were not verified I DONT RECOGNIZE THESE ACCOUNTS AS REPORTED WHICH ARE RESULT OF ID THEFT THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUD HARD INQUIRES AND COLLECTIONS APPEARING ON MY CREDIT REPORTS I DEMAND THAT THE AFOREMENTIONED FRAUDELENT ITEMS BE REMOVED LISTED IN THIS COMPLAINT OR LETTER AND ALL COLLECTIONS IN REFERENCE TO THESE ACCOUNTS to CEASE AND DESIST I recently discovered that Credit Bureaus reporting numerous accounts that do not belong to me. Someone has been using my name, social security number, and date of birth to obtain these accounts. These collections, medical and accounts do not belong to me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: NJ

Complaint narrative:
I NEVER LIVED AT : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX These accounts were removed and then reinserted without notification of investigation these accounts were not verified I DONT RECOGNIZE THESE ACCOUNTS AS REPORTED WHICH ARE RESULT OF ID THEFT THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUD HARD INQUIRES AND COLLECTIONS APPEARING ON MY CREDIT REPORTS I DEMAND THAT THE AFOREMENTIONED FRAUDELENT ITEMS BE REMOVED LISTED IN THIS COMPLAINT OR LETTER AND ALL COLLECTIONS IN REFERENCE TO THESE ACCOUNTS to CEASE AND DESIST I recently discovered that Credit Bureaus reporting numerous accounts that do not belong to me. Someone has been using my name, social security number, and date of birth to obtain these accounts. These collections, medical and accounts do not belong to me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-14 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
SANTANDER XXXX XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : XXXX XXXX XXXX XXXX Santander XXXX XXXX  FCRA Accuracy and Verification Failures To Whom It May Concern, This complaint involves a fraudulent auto loan account reported by Santander XXXX XXXX : Account # : XXXX Opened XX/XX/XXXX Balance : {$9500.00} FTC Identity Theft Report No. : XXXX I never applied for or accepted any auto loan from Santander. This tradeline was opened due to identity theft and was unknown to me until I reviewed my credit report in XXXX. 

Santander is in violation of : 15 U.S.C. 1681i ( a ) Reinvestigation failure 15 U.S.C. 1681s-2 ( b ) Furnisher investigation failure 15 U.S.C. 1681e ( b ) Maximum accuracy not ensured 15 U.S.C. 1681c-2 Refusal to block identity theft-related information I demand the following documentation immediately : 1. Original loan contract with my wet signature 2. Complete method of verification and date of reinvestigation 3. Securitization and assignment documentation XXXX. Internal dispute results, notes, and XXXX XXXX accuracy logs XXXX. Certification that the tradeline is accurate, verified, and lawfully reportable If this account can not be verified with lawful documentation, it must be immediately deleted. Continued reporting exposes Santander to full statutory liability under : 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681q Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
The payment was not late the portal went down and they said I had to wait for a paper bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal dispute under the Fair Credit Reporting Act ( FCRA ) due to inaccurate, inconsistent, and unverifiable information being reported across Experian, TransUnion, and Equifax. I am specifically requesting : XXXX. * * All open accounts with late payments * * be corrected to reflect a positive payment history with no delinquencies. 
XXXX. * * All closed or charged-off accounts * * be deleted in full from my credit reports, as they are outdated, unverifiable, or were previously disputed and not resolved. 
XXXX. The * * repossession listed for XXXX * * be removed completely, as there is no supporting documentation, payment history, or legal validation provided across all three bureaus. 

Here are the major issues : - XXXX XXXX XXXX Charged off on Experian, missing elsewhere. 
- XXXX XXXX : Balance and late info conflicts. 
- XXXX  XXXX : XXXX and XXXX on Experian, but XXXX lates on Equifax. 
XXXX XXXX  XXXX XXXX : Late on Experian, clean on Equifax. 
- XXXX XXXX XXXX : Paid on XXXX, unpaid on XXXX. 
- XXXX : Repossession on Experian, marked as closed on XXXX. 

These differences violate FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( a ), which require accurate, consistent, and verifiable credit reporting. These accounts are harming my credit standing, and previous disputes have not resulted in any correction or removal. 

I have attached full screenshots of my credit reports showing this evidence.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal dispute under the Fair Credit Reporting Act ( FCRA ) due to inaccurate, inconsistent, and unverifiable information being reported across Experian, TransUnion, and Equifax. I am specifically requesting : XXXX. * * All open accounts with late payments * * be corrected to reflect a positive payment history with no delinquencies. 
XXXX. * * All closed or charged-off accounts * * be deleted in full from my credit reports, as they are outdated, unverifiable, or were previously disputed and not resolved. 
XXXX. The * * repossession listed for XXXX * * be removed completely, as there is no supporting documentation, payment history, or legal validation provided across all three bureaus. 

Here are the major issues : - XXXX XXXX XXXX Charged off on Experian, missing elsewhere. 
- XXXX XXXX : Balance and late info conflicts. 
- XXXX  XXXX : XXXX and XXXX on Experian, but XXXX lates on Equifax. 
XXXX XXXX  XXXX XXXX : Late on Experian, clean on Equifax. 
- XXXX XXXX XXXX : Paid on XXXX, unpaid on XXXX. 
- XXXX : Repossession on Experian, marked as closed on XXXX. 

These differences violate FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( a ), which require accurate, consistent, and verifiable credit reporting. These accounts are harming my credit standing, and previous disputes have not resulted in any correction or removal. 

I have attached full screenshots of my credit reports showing this evidence.

Company response to consumer: Closed with non-monetary relief