vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received a call on Saturday XX/XX/XXXX shortly after leaving a nail salon from XXXX saying it was Chase Fraud department wanting to confirm some charges on my account. Person on the phone had my entire account number, last 4 digits of my debit card used to pay at the salon and read to me the last 3 transactions I had including the exact amount I spent on the nail salon and the tip I had transferred on XXXX. This person then said there was another XXXX transfer that was initiated on my account of {$2000.00} but they were going to stop that transaction. No information was provided to the person on the phone as they appear to already have everything and was just confirming numbers with me. Shortly after I received an alert to my chase app and an email saying my password had been changed.I hung up the phone immediately and called Chase directly. Chase confirmed there was an unknown log in to my account using a XXXX XXXX and had me change my user name, password, and add extra security layers to my account and opened a claim for the XXXX transfer of {$2000.00} that had just been made from my account. A police report was filed the next day Case # XXXX XXXX XXXXXX/XX/XXXX and attached to the claim. XXXX days later Chase denies my claim saying it was an authorized transaction as there was no log ins to my account. Despite me receiving XXXX emails from them the day of the transfer, me spending over XXXX with them on the phone and speaking to XXXX different agents to secure my account that same day and they confirmed there was a unknown log in and helped me get that other device locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
After coming out of XXXX in XXXX, we had a loan modification done. 

XXXX year later they ask me to pay an extra XXXX k with no reason. 

We continued to pay the monthly payment. 

I called the bank XXXX XXXX XXXX and sent letters Now in XXXX the bank is sending me into foreclosure. 

Loan modification was never filed with the XXXX XXXX clerks office Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Nelnet, Inc.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX SYNCB/AMAZON card XXXX XXXX XX/XX/XXXX, never had any problems until around XX/XX/XXXX. When digital charges started to show up on Amazon statement. XXXX charges in XXXX day. Called SYNCB/Amazon Fraud debt to dispute charges, they did nothing. Could not even validate charges. Disputed charge of {$2600.00} since XX/XX/XXXX. Amazon has yet to validate debt. Stated they used email to validate account. Which we never use a email for anything. Closed Amazon/Synchrony card XXXX times and requested a validation of account balance. Never received anything, sent a cease and associate letter to Synchrony/Amazon fraud department XXXX Reported fraud to all XXXX credit bureaus, as well as freezing our credit. XXXX Report # XXXX, generated on XXXX XX/XX/XXXX. Spoke with XXXX Fraud department XXXX XXXX, gave me the FTC.GOV to report ID theft as well. SYNCB/AMAZON balance of {$2600.00} dollars is fraud charges. XXXX XXXX XXXX has a XXXX balance. We have disputed these charges back in XXXX, XXXX, XX/XX/XXXX and for the entire year of 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 2025-12-23 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
I received a letter in the mail from Rent Recovery Solutions in XX/XX/2025 notifying me of a debt collection for unpaid rental fees of {$1200.00}. The name of the apartments on the letter said XXXX XXXX. I have never signed a lease agreement or had any involvement with a XXXX XXXX so I called the number to ask about the debt. I immediately assumed it was fraud because the letter was mailed to my maiden name only which I have not used in over 22 years. When I called the agent on the phone would not answer any of my questions with out me giving her my date of birth, last four of my social and address. I did not want to give out that information but they told me they could not help me without it. I gave them the information and then she proceeded to put me on hold for 3 minutes trying to find information on the debt. She could not find a lease agreement. She said the name XXXX XXXX was not the correct name and then said she needed to talk to her supervisor. I stayed on hold as long as I could which was another 4 minutes and then had to drop the call to pick up my child from school. About a week later I received a letter from the same creditor Rent Recovery Solutions saying that if I thought the debt was a result of identity theft I needed to submit a Identity Theft Victim 's Complaint and Affidavit. I checked my credit and can see that Rent Recovery Solutions has shown up on my credit report. I am trying to get this resolved. I don't know who is behind this whether it is Rent Recovery Solutions or some other entity or person.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
Would you mind looking over this entry? Its late work.

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 2025-12-23 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: CA

Complaint narrative:
Please assess the materials included ; the inquiries arrived without advance notice and could be unapproved.

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 2025-12-23 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am disputing a charge on my business credit card that was not authorized by any officer, employee, or agent with authority to bind the company. 

No contract, engagement letter, written approval, or verbal authorization exists from any authorized signer. The merchant has failed to produce any evidence of valid authorization, including a signed agreement or written approval from an authorized user. 

Despite being provided documentation identifying who has authority to approve charges on this account, the issuer has refused to remove the charge. This refusal violates the Fair Credit Billing Act, which requires that charges be authorized to be valid. 

I am requesting immediate removal of the charge, correction of my account balance, and confirmation that no adverse reporting or interest has resulted from this disputed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
I am writing to dispute certain items on my credit report as outlined below. Please review the following accounts, which I believe are inaccurate or improperly reported : Charged Off Accounts : XXXX, Date : XX/XX/year> Late Payments : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed under my credit report. The items in question are reported inaccurately and should be removed or corrected. 

INQUIRIES : XXXX XXXX, Date : XX/XX/year>

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 2025-12-23 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: NV

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX  In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: CA

Complaint narrative:
see attachments, I have provided proof of the inaccurate information also I made a complaint on XX/XX/year> and Experian ensured the CFPB that a proper investigation would be done.

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 2025-12-23 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: VA

Complaint narrative:
Charged-Off Accounts No charged-off accounts currently listed in dispute on Equifax. 

Inquiries I dispute the following inquiries on my Equifax report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX Please verify the authorization and purpose of each inquiry. Remove any inquiries that can not be fully verified. 

Late Payments I dispute the accuracy of the following late payments : XXXX Acct # XXXX XXXX XXXX Acct # XXXX Please verify and remove any inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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 am disputing the following accounts listed in my Equifax credit report : Charged Off Accounts : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-23 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: AZ

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 explanation