vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-31 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: CO

Complaint narrative:
This is not a mistaken complaint I am formally disputing inaccuracies on my credit report that clearly fail to meet the standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial well-being and personal stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are missed payments documented on my credit report that are inaccurate. When disputed with the credit bureau, they were ignored and no follow up has occurred. Ive tried the appeals process with no result and wish to have these inaccurate reports removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis has failed to comply with my legal right to submit a Consumer Statement under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ). On multiple occasions beginning XX/XX/year>, I submitted a signed Consumer Statement along with full identity verification documents, including : Valid drivers license XXXX passport ( picture page ) Social Security card Proof of address ( credit card issuer envelope dated within XXXX XXXX ) Despite XXXX own system confirming receipt and attachment of these materials under Case # XXXX, I have been met with a series of automated responses demanding that I call their customer service line to speak with a representative without citing any statutory authority for requiring phone contact to process a legally permitted written submission. 

I submitted my documents via the LexisNexis XXXX XXXX XXXX and email, per their instructions. I have not received : A written explanation of what they claim is wrong with the documents A confirmation of whether my Consumer Statement has been added to my file Any evidence that my request was reviewed by a human being Instead, I have received at least XXXX nearly identical emails directing me to call their office, which is not a requirement under federal law. LexisNexis has therefore violated : 15 U.S.C. 1681i ( b ) Failure to process my Consumer Statement 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide clear written notice of results 15 U.S.C. 1681g Denial of rightful access and procedural transparency 15 U.S.C. 1681n and 1681o Willful or negligent noncompliance with FCRA My most recent email to them on XX/XX/year> clearly demanded a written justification for their stall tactics, and I gave them XXXX days to comply. Instead, they sent yet another copy-paste message on XX/XX/year>, once again instructing me to call entirely ignoring the legal citations and specific demands I laid out. 

LexisNexis is actively obstructing the federally protected right to add a XXXX XXXX to ones file and is using automation to frustrate that process. I am requesting immediate enforcement action and regulatory investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I've submitted all the required documents for a trip cancellation insurance claim initially on XX/XX/XXXX, and multiple times since then. I have spent countless hours trying to contact a human being at XXXX to resolve this issue. There should be no further hold ups or delays in the adjudication and processing of this claim. 

I have submitted all the requested documents and explanations multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also spent XXXX hours trying to reach and eventually talking with a representative on XX/XX/XXXX who said that the claim should be adjudicated. 

I requested on XX/XX/XXXX that my claim be transferred to a claim supervisor or senior claims XXXX on the claims review team. I also spoke with a representative on the phone who told me that the claim had been escalated, but I have not received any sort of response that indicates that they have evaluated the claim and reviewed all the documents that I have submitted. 

Instead, they have continually sent me the same templated form repeatedly asking for documents that I have submitted. It is virtually impossible to reach a human being who has any ability to influence the adjudication of my insurance claim. 

I have contacted Chase and XXXX XXXX XXXX XXXX via email and their secure messaging portal and by phone to resolve a trip cancellation insurance claim that I submitted. 

Most recently, on XX/XX/year>, I received another templated email requesting the following ( which has already been submitted and explained many times previously ) : Documentation confirming the reason for Trip Cancellation or Trip Interruption ( e.g., medical documents, death certificate, etc. ) Confirmation that the travel arrangements were cancelled with the XXXX XXXX. 

I have already submitted medical documentation in the form of emergency room progress notes from when I was hospitalized, which was the reason for the trip cancellation. 

I have explained both on the phone with a live representative and have digitally communicated that there were no travel arrangements made with a common XXXX or a travel supplier to begin with because I intended XXXX XXXX to the destination as it was located a XXXX XXXX south of where I live. I did make a hotel reservation which I canceled, but there were no non-refundable fees associated with that reservation that I am claiming. That documentation has been submitted and uploaded for reference. 

At this point, I believe that the insurer is engaging in unfair and deceptive business practices and intentionally and illegally delaying the adjudication and payout of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
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 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 2025-07-31 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 a credit card account reported by XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} ; and an auto loan account reported by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$540.00}. These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Original Real Time Transfer on XXXX XXXX My ex husband XXXX XXXX XXXX XXXX {$9900.00} by Accident from a XXXX XXXX transfer into my Chase bank savings account. 
I reported this as an unrecognized credit to Chase as it did not have a name attached to the transfer. 
The funds were reversed on XX/XX/XXXX After XXXX asked me to contact Chase and explain it was not an issue and to try and expedite the money being returned to my account so that I could simply transfer the funds to him directly I contacted Chase again and they credited my account with the funds on XX/XX/XXXX. 
Then I transferred a portion of the funds to Jasons personal XXXX account ( per his request & differing from the real time transfer ) on XX/XX/XXXX - {$7200.00}. 
Then somewhere along the way between communicating with Chase on XX/XX/XXXX they removed the {$9900.00} from my savings account and sent a XXXX XXXX XXXX to the XXXX account. 
I have spoken to Chase XXXX XXXX. on the phone many times and been into my local branch many times and they assured me the funds were transferred into the XXXX account, and yet the funds are missing from the XXXX account. XXXX and I have been on the phone many times with XXXX Limitations and Disputes XXXX. because it is not my account they will not disclose any information to me, but to my ex they state every time that there is no record of this transfer on XX/XX/XXXX. This is a lot of money to me and I have hit a wall in getting help to figure out where the funds are. 

Chase claim # XXXX Was reopened XX/XX/XXXX at XXXX and was sent to the back office on XX/XX/XXXX. 
I was told by a claims XXXX that I would receive an update within XXXX to XXXX business days which I have not therefore I went into the local branch here in XXXX, New Mexico, and I was told that my claim has been escalated to the XXXX office. 

( I also filed a complaint with XXXX and this is now handled by XXXX XXXX office and they do not have any record of a transfer from my savings account XXXX into any XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPG Associates, Inc.
State: GA

Complaint narrative:
I received a voicemail from XXXX Associates on [ insert date ] stating there was a change of status on a file and that I must return their call before XXXX PM. The call did not provide the nature of the debt or identify the original creditor. I was directed to call XXXX or visit mpgassociates.com. 

In a separate call on XX/XX/year>, I received a harassing and deceptive phone call from XXXX. The caller refused to identify themselves and stated, Have your lawyer call me, before abruptly hanging up. When I returned the call, the system prompted me to enter the last XXXX digits of my SSN. After refusing, the call was disconnected. 

At no point have I received written notice or debt validation as required under the FDCPA. These actions appear to be clear violations of 15 U.S. Code 1692g and 1692d.

Requested Resolution : 1. Immediate cessation of all contact from MPG Associates.

2. Full debt validation including original creditor, itemization, and proof of legal authority to collect.

3. Closure of this file if no validation can be provided.

4. Removal of any tradelines or credit reporting associated with this alleged account.

5. A written acknowledgment of violations if applicable, and assurance no further unlawful contact will occur.

6. Monetary damages consideration if harassment or emotional distress continues.o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I closed my Comenity Capital Bank account ending in XXXX after paying it off due to constant technical malfunctions and repeated declines despite full available credit. I informed their team and closed the account voluntarily in good standing. 

Despite this, they reported the account as charged off with a {$310.00} balance to XXXX, which is false and damaging. I have documentation showing no outstanding balance at the time of closure. 

Then, despite reporting the charge-off, they continued to harass me with daily calls, attempting to collect the alleged debt. I have a recorded call where their representative identifies as Comenity Bank Collections proving the company was trying to collect on a debt they already claimed was charged off, a contradiction and violation of both the FCRA and FDCPA. 

I sent multiple dispute and validation letters and received no response from Comenity. They ignored their legal obligation to investigate and correct the false credit reporting and validate the debt.

This conduct violates : FCRA 1681s-2 ( b ) Failure to investigate and report accurate information FDCPA 809 ( b ) Failure to validate the debt FDCPA 1692e and 1692f Misrepresentation and unfair collection after charge-off FDCPA 1692d Harassment through repeated calls These actions caused emotional distress, credit score damage, and financial loss. I am pursuing legal claims and demand full corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am writing to dispute the following information that appears on my TransUnion report from XX/XX/XXXXXXXX XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft, and I never opened this account. 

XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft, and I never opened this account. 

XXXX XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft, and I never opened this account. 

XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft, and I never opened this account. 

XXXX  Overdraft/reserve checking account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft, and I never opened this account.

Thank you for your assistance.

In light of the CFPB lawsuit filed against XXXX  on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.

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 2025-07-31 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: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
I need help with unauthorized purchases in your XXXX XXXX XXXX XXXXXXXX XXXX. My XXXX son with XXXX XXXX bypassed my security apps and made {$870.00} in XXXX purchases on XX/XX/year>. He shares my account due to his XXXX.These charges overdrew my account and used money saved for home repairs. I'm requesting refunds for duplicate charges, particularly the {$100.00} XXXX  charged three times. Why does your system allow repurchasing the same item multiple times? The payments went through XXXX linked to my checking account. I've attached XXXX XXXX transaction screenshots as proof. While I understand the initial purchase may stand, the duplicate charges should be refunded.Given my son 's XXXX XXXX and our financial situation, I hope you'll consider refunding at least the duplicate charges beyond one {$100.00} comprehensive package.

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