vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted XXXX XXXX printer service for assistance in setting up my new printer. The agent on the phone stated there was malware on my computer and it would cost me {$79.00} to fix the issue. He also talked me into subscribing to XXXX for XXXX years to protect my computer. I paid him via my bank debit card {$720.00}. I then tried to open my computer and it said contact XXXX Support at XXXX where I spoke with a XXXX XXXX XXXX XXXX ID XXXX XXXXXXXX ). She stated that there was fraud on my Chase Acct. and I was to wait for a call from XXXX XXXX ( XXXX ) from the Chase Fraud Dept.He proceeded to tell me that XXXX different withdrawals were made from XXXX for XXXX ( {$10000.00} and {$9800.00} ) as well as a purchase from XXXX for $ XXXX XXXX.He said he could only cancel the last XXXX transaction because the other XXXX were international. He said he would alert the XXXX as to the XXXX XXXX transactions but I was to go to my local Chase bank and withdraw {$200000.00} in cash and when I was in my car he would tell me where to go to deposit the CASH at a special XXXX XXXX XXXX XXXX into a Federal Acct. I went into the bank and spoke with the branch manager and she confirmed it was a scam. I was issued a new debit card and the money in my savings account is now secure however the debit card transaction for {$720.00} they are not sure they will be able to reimburse me. Needless to say I am very lucky I did not fall for the later part of the scam but I appear to be out {$720.00} with no security on my computer from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-06-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2025-06-07 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:
To whom it may concern : XXXX XXXX XXXX XXXX balance of XXXX has been reported to the credit reporting agency with falsified and inaccurate information. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. 

I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name. This collection account is reporting not only as XXXX as of XX/XX/year>, but also shows a XXXX XXXX XXXX XXXXXXXX Account XXXX past due as of XX/XX/year>, past due balance * * *, which is shown above as false information. I do not have an open, active, or validated account with XXXX XXXX XXXX. According to FCRA, I have the right to accurate credit reporting. 

Please remove the XXXX XXXX XXXX act # XXXX account immediately upon receiving this information from my credit report as a collection account. Please provide me with a copy of my new credit report reflecting the removal from reporting as a collection account. Sincerely

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 2025-06-07 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: GA

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX XXXX balance of XXXX has been reported to the credit reporting agency with falsified and inaccurate information. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. 

I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name. This collection account is reporting not only as XXXX as of XX/XX/year>, but also shows a XXXX XXXX XXXX XXXXXXXX Account XXXX past due as of XX/XX/year>, past due balance * * *, which is shown above as false information. I do not have an open, active, or validated account with XXXX XXXX XXXX. According to FCRA, I have the right to accurate credit reporting. 

Please remove the XXXX XXXX XXXX act # XXXX account immediately upon receiving this information from my credit report as a collection account. Please provide me with a copy of my new credit report reflecting the removal from reporting as a collection account. Sincerely

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 2025-06-07 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: CA

Complaint narrative:
After reviewing my credit report, I found some reporting errors on my account from Experian which was not reported accurately dating back to XX/XX/XXXX and XX/XX/XXXX. During the period of Covid-19 and the loss of my job, I was still making on time payments and this report is inaccurate and the attached document shows the inaccuracies from the different reporting agencies. 

According to the CARES ACT, which was signed into law on XX/XX/XXXX, the law was enacted from XX/XX/XXXX and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the Covid-19 crisis and under these circumstances. Please update this information to PAID/AGREED for the following time frame. XX/XX/XXXX, XX/XX/XXXXXXXX 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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
The made a false claim that I was sued for more than 1 account. Yes they were granted the judgement because I was unable to get the paperwork due to a restraining order I had at the time. The reported to the cfpb that I owe for 2 diffrent debts when they were only granted one debt Ill be in closing the documents. Also we will be returning to court on XX/XX/year> to overturn my judgment. They brought my debt unknowingly. I also know they are violating my rights and I have an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern : I am writing to formally request the removal of the following hard inquiries from my XXXX  credit report, which I do not recognize nor recall authorizing : XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX CITI CARDS/ CITIBANK Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX CITI CARDS/ CITIBANK Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX These inquiries were not authorized by me, and I am concerned about the potential negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my prior consent must 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 2025-06-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern : I am writing to formally request the removal of the following hard inquiries from my XXXX  credit report, which I do not recognize nor recall authorizing : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX CITI CARDS/ CITIBANK  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX CITI CARDS/ CITIBANK Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX These inquiries were not authorized by me, and I am concerned about the potential negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my prior consent must 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 2025-06-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern : I am writing to formally request the removal of the following hard inquiries from my XXXX  credit report, which I do not recognize nor recall authorizing : XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX These inquiries were not authorized by me, and I am concerned about the potential negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my prior consent must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  has connected my home address per month {$49.00}, bill paid on advance. agrement was no contact, no installation fees, 23 dayswas XXXX XXXX, no service. no phone connection systems, no XXXX cable use as rrionter use XXXX XXXX XXXX XXXX  has no option to use XXXX for XXXX connection. there was problem and I contacted to cutomer service several times. cutomer services are very poor knowledge. one of cutomer service name XXXX as me a code fro my phone and he terminate my home connection. it was wa fraude service and I was surprice the XXXX cutomer behaviour. 

the XXXX send charge the isntallation fees {$86.00} ( agrement was no installtion fees ) and the frinter did my identity theft to debit collector to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: DC

Complaint narrative:
Ive been with chime since XXXX  this up and coming year is when chime decided they wanted to take my money and not give it back. I would call they would act is if they couldnt do anything else then when I showed proof on my end they try to negate it with false proof on there end example about {$30.00} to {$49.00} dollars was taken from me for a transaction they claim was made by XXXX to complete there transaction a month later never have I ever heard of that when they gave me the amount which is chime it didnt match what I spent on my end the numbers or the date it did t exist and because the guy was caught in a lie he lied and transferred me to another employee and not a manager and if it was they had horrible communication services and not to mention rude as XXXX. Second issue they took my my pay from XXXX to XXXX which took XXXX from me and when I called to receive that back they said I couldnt my my pay went dont because my payment for work change. When I showed proof it didnt this young lady who was a rep says oh it was a large payment of {$2000.00} XXXX told her that was XXXX time she said oh your job payed you XXXX then came back and said oh my mistake that was taxes then says ok I see what your saying itll be all change next payday that was a month and almost a half ago my pay still at {$360.00} she hung up knowing she was lying but just told me what I wanted to hear so that she could get off the phone and not have to deal with the fact that they are stealing money Im a single parent that provides on a daily for me and my child and theyre a multi XXXX dollar company thats stealing from pple like me whos making it with what they have. This has caused a lot of emotional distress and XXXX in which I gad to get back on mirtazapine XXXX just to get my mind right. This has become a huge problem for me and I need justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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