vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had to change checking accounts due to fraud from XXXX which I have a case open with cfpb .I went onto chases website and changed my external banking info to the new checking account.I did not find any means to delete the old account on the website so I thought they would use the new account.no they didn't.so I saw that the pymt had not gone thru so I called chase and the lady took a payment over the phone from the new account.she explained to me that they charged the default pymt method even though I provided the correct account info.she said it was because I didn't delete the old account.So she guided me to external accounts page where I linked my account already and told me delete the old account.there was no way on my end to do so she it did from her end. as they did use the same info to successfully charge my new external account.so its all fixed I ask the lady and she says thats it all fixed! NOT SO FAST they charged me interest even though I payed the full amount due and more for a payment of $ XXXX XXXX try to use my card and it doesn't go thru.I call chase and then low and behold they inform me my card is suspended! Why? because they suspend you when you dont make apymt she tells me.I explain what happened and they say there is nothing they can do it is suspended until the XXXX wasnt I told this onI was leaving on vacation but I cant because my card is suspended and I am losing money because I pay all my bills with this card I made reservations that are now cancelled.I am losing money due to my card not going thru to pay my bills.now I have late fees which I will have negotiate late fees with my other creditors. they have damaged my credit and embarrassed me when my card was denied at the local grocery store.I think they should be punished not me as did my part and they didn't do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-15 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my third and final attempt to dispute two unauthorized XXXX  XXXX XXXX accounts that are still being reported on my credit file. I have already sent my FTC Identity Theft Report, proof of identity, and multiple written disputes, yet nothing has been done to remove them. The bureau has not conducted a proper reinvestigation as required under 15 U.S.C. 1681i ( a ) and instead relied on the furnishers to update the accounts without addressing my actual dispute. I never gave written permission for these accounts to be reported, which violates 15 U.S.C. 1681b ( 2 ). On top of that, the accounts are being reported with inaccuracies, violating 15 U.S.C. 1681e ( b ). 

Under 15 U.S.C. 1681c-2, you were required to block this identity theft-related information after I provided all required documentation, but you chose not to. I have also demanded a Method of Verification under 15 U.S.C. 1681i ( 7 ) and received no proof, no original signed contract, and no explanation of the procedures used to verify the accounts. This is willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. 

Your failure to act after repeated disputes has caused me ongoing stress, emotional distress, and unnecessary hardship. I have been forced to spend time, energy, and resources to correct something that should have been fixed months ago. The continued reporting of these unverified accounts has damaged my credit, disrupted my financial stability, and taken a serious toll on my peace of mind.

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 2025-08-15 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: SC

Complaint narrative:
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.

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 2025-08-15 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: HI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-08-15 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: VA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-08-15 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Upon reviewing my credit reports from all three major credit bureaus ( Equifax, XXXX, and XXXX  ), I discovered that the late-payment history XXXX bank has reported is inconsistent among the bureaus. This raises serious concerns about the accuracy, completeness, and reliability of the information you are furnishing. Please see screenshots inserted. 
XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 30 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due Equifax : 60 days past due XX/XX/XXXX XXXX  : 60 days past due XXXX  : 60 days past due Equifax : 90 days past due XX/XX/XXXX XXXX  : 60 days past due XXXX  : 60 days past due Equifax : 90 days past due Under the Fair Credit Reporting Act ( FCRA ), XXXX bank violated 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) the duty to provide accurate information ). XXXX bank furnished different late-payment information to different credit bureaus. 

Duty to report accurately : The mortgage companies must ensure the information they report to credit reporting agencies ( CRAs ) is complete and accurate. 
Uniform reporting obligation : Under FCRA 623 ( a ) ( 1 ) and the CFPB interpretation, a furnisher must not provide data that it knowns or should know is incorrect. 

I demand that XXXX bank : XXXX. Investigate the accuracy of all late-payment information XXXX bank has furnished for my account to each credit bureau XXXX 
2. Identify and provide documentation showing exactly : o The source from which XXXX bank obtained the late-payment data ; o The records XXXX bank relied on ; and o The method used to determine and verify my alleged late payments. 
3. Confirm whether this same information was furnished uniformly to all credit bureaus. 
If XXXX bank is unable to verify with documentary evidence that these late payments are accurate and reported uniformly, you must, under the FCRA : Immediately remove the unverified late-payment entries from all credit bureaus ; or Correct them to reflect a current/on-time status across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
These Metro 2 violations are causing material harm to my creditworthiness and are grounds for a formal complaint to the CFPB, FTC, and potential civil legal action under FCRA 623 and 611

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
These Metro 2 violations are causing material harm to my creditworthiness and are grounds for a formal complaint to the CFPB, FTC, and potential civil legal action under FCRA 623 and 611

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
It says as of XX/XX/year> that all my accounts have past due and its being reported as late payments on my credit report when there is no payments due until XX/XX/year>XXXX  and I wont be paying at this anyway since I am enrolled in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I opened an auto loan with BMW Financial Services ( XXXX # XXXX ). On XX/XX/XXXX, the vehicle was flooded and deemed a total loss due to a natural disaster. From XX/XX/XXXX through XX/XX/XXXX, the account was reported in collection status. From XX/XX/XXXXXXXX  through XX/XX/XXXX, it was reported as a charge-off. On XX/XX/XXXX, I received a Form 1099-C from BMW Financial Services stating that the remaining loan balance of {$7100.00} had been canceled due to an identifiable event ( Code H Other actual discharge before identifiable event ). I have since filed my XXXX taxes and reported the canceled debt as income in compliance with IRS requirements. 
Despite the cancellation and proper tax reporting, as of XX/XX/XXXX, both XXXX  and XXXX  are still inaccurately reporting the account as an open account with a {$0.00} balance and a charge-off status. This is inaccurate and misleading because : The debt was legally canceled and is no longer owed. 
The account should be reported as closed, not open. 
A charge-off status is misleading after the issuance of a 1099-C and tax reporting.

The reported dates and statuses do not reflect the true date of cancellation, date of first delinquency, or accurate account history. 
I have disputed this directly with both XXXX and XXXX  and provided them with a copy

of the 1099-C as proof. The account has not been corrected. I am requesting that the CFPB requi
re the furnisher and the credit bureaus to delete the account from my credit reports or, at a minimum, update the account to accurately reflect that it is closed with no derogatory notation, in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-08-15 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-15 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: FL

Complaint narrative:
I have seen that the same inaccurate accounts continue to appear on my credit report, and they still have not been removed. For this reason, I am requesting a thorough review of the attached documents so I can finally stop worrying about this matter.

Company response to consumer: Closed with non-monetary relief