vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover found the credit inquiry to be fraudulent back on XX/XX/XXXX and said it would be removed and to only become a XXXX  inquiry and that was in XX/XX/XXXX here it is XX/XX/XXXX and its still showing as a XXXX  inquiry so XXXX gon na attach the information provided by the company through the CFPB this way they will properly correct the information .. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : DiscoverR application ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX Dear XXXX XXXX XXXX XXXX you for your recent correspondence to the Consumer Financial Protection Bureau XXXX CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We received an application for a new account in your name on XX/XX/XXXX, via the internet, which resulted in a credit bureau inquiry. However, the application was declined, and no account was established. We have investigated your concern and as a result, we have deemed the above-referenced Discover card application to be fraudulent. To further assist you with this matter we have sent a request to have the XX/XX/XXXX, credit bureau inquiry changed from a XXXX  inquiry to a XXXX  inquiry. A XXXX  inquiry is only viewable by you and Discover and is not viewed by other creditors. Please allow XXXX  days for this change to take effect. Please be assured we continue to be aggressive in the fight against fraud, a problem that impacts both consumers and XXXX  card companies. Since it Please be assured we continue to be aggressive in the fight against fraud, a problem that impacts both consumers and XXXX card companies. Since it appears that an individual XXXX have accessed certain pieces of your personal information, we encourage you to consider contacting each of the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX on your credit reports. A fraud alert will warn anyone who receives information in your credit file that your identity XXXX have been used without your consent and recipients of your credit file information are advised to verify your identity prior to issuing credit. The contact information for the credit bureau reporting agencies that we report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am filing this renewed complaint against JPMorgan Chase Bank regarding unresolved unauthorized transactions and mishandled disputes on my XXXX  card account ending in XXXX. I previously submitted complaint XXXX XXXXXXXX, which was closed without meaningful resolution. Despite ongoing efforts, Chase has continued collections and negative credit reporting while withholding key records. 

Details : The original disputeincluding fraudulent charges and unauthorized reward redemptionswas submitted via XXXX XXXX XXXX in early 2023. 
I followed up repeatedly via email and fax, requesting a transaction ledger, XXXX  Chat transcripts, and clarity around alleged unpaid balances. 
Chase refused to provide records central to my dispute and has failed to engage substantively with my written concerns. 
Despite my documented communications and requests for resolution, Chase continues reporting the account negatively and pursuing collection. 
I have spent over XXXX hours on this matter and suffered harm to my credit profile and financial well-being. 

My earlier CFPB case ( ref. XXXX ) was closed despite Chase acknowledging XXXX of my complaint. No detailed response or action was taken. I am requesting CFPB assistance to compel Chase to : Provide the records and ledger Ive requested Cease collection and correct credit reporting Propose a good-faith resolution including compensation for time and impact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I filed a dispute with XXXX  on XX/XX/year> because my wages were garnished but the original amount reported to XXXX  was different from the amount that was submitted to the judge for the civil suit. I provided XXXX  with all the relevant documentation including the documents I received from the courts showing the amount owed. In the attached court order the original amount is {$2900.00} but the original amount reported on XXXX  is {$2700.00}. I shared this information with my dispute on XX/XX/year>. Also a dispute that I file last year where I paid for the services and I provided proof of payment via bank statement and still my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Johnson Mark LLC
State: CO

Complaint narrative:
I filed a dispute with Experian on XX/XX/year> because my wages were garnished but the original amount reported to Experian was different from the amount that was submitted to the judge for the civil suit. I provided Experian with all the relevant documentation including the documents I received from the courts showing the amount owed. In the attached court order the original amount is {$2900.00} but the original amount reported on Experian is {$2700.00}. I shared this information with my dispute on XX/XX/year>. Also a dispute that I file last year where I paid for the services and I provided proof of payment via bank statement and still my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-13 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: NY

Complaint narrative:
I pulled my credit report and noticed inaccuracies. I sent a letter to investigate to the bureau, and they returned the status as completed investigation and updated the status and it is still showing many inaccuracies. 
Account Name : XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - No information is available prior to XX/XX/XXXX but the account is noted as being opened in XX/XX/XXXX. That is XXXX  years of inaccurate and incomplete information- There are no late payments noted but the status was suddenly updated to XXXX XXXX in XX/XX/XXXX and has been repeatedly updated every month since. This is not possible. Information is inaccurate. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), which requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, I am formally disputing the accuracy and completeness of the referenced account. Although the account has been marked as investigated and updated, it continues to reflect multiple inaccuracies and contains incomplete data that XXXX misrepresent my credit profile. As such, I respectfully request that the account be promptly updated to reflect only fully accurate and complete information, in compliance with FCRA XXXX ( b ).

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 2025-07-13 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:
My name is XXXX XXXX and I am a Victim of Identity Theft. I am in the process of trying to purchase a house and I have identified that there are a host of fraudulent accounts reporting on my credit report. I would like to take back my identity and clean up my credit profile. I have listed the accounts that are fraudulently reporting on my credit report 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 explanation
Consumer complaint received 2025-07-13 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:
My name is XXXX XXXX and I am a Victim of Identity Theft. I am in the process of trying to purchase a house and I have identified that there are a host of fraudulent accounts reporting on my credit report. I would like to take back my identity and clean up my credit profile. I have listed the accounts that are fraudulently reporting on my credit report 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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I tried to open a XXXX  online checking account twice online and was declined. I contacted the number from the declined application and was told that she wasn't sure why it declined me twice. On two separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXXXXXX  my account was hacked and someone not known to me in a different state defrauded me and wire transferred money from my account. I noticed it on XX/XX/XXXX and immediately reported it to the bank. I submitted a claim with them to reimburse me and they concluded my case on XX/XX/XXXX and said I would not receive any money back.

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 monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since filing my initial complaint on XX/XX/year> Experian has refused to investigate inaccuracies on my credit report. They are out of compliance with Federal law.

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 2025-07-13 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: AR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax : [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXXL ] [ ACCOUNT NUMBER XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I have recently reviewed a copy of my current credit report and there are fraudulent inquires on my credit report that I did not authorize. Here are the companies Names and dates of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I have recently reviewed a copy of my current credit report and there are fraudulent inquires on my credit report that I did not authorize. Here are the companies Names and dates of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
I pulled my credit report and noticed inaccuracies. I sent a letter to investigate to the bureau, and they returned the status as completed investigation and updated the status and it is still showing many inaccuracies. 

Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - No information is available prior to XX/XX/XXXX but the account is noted as being opened in XX/XX/XXXX. That is 7 years of inaccurate and incomplete information- There are no late payments noted but the status was suddenly updated to Charged Off in XX/XX/XXXX and has been repeatedly updated every month since. This is not possible. Information is inaccurate. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ), which requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, I am formally disputing the accuracy and completeness of the referenced account. Although the account has been marked as investigated and updated, it continues to reflect multiple inaccuracies and contains incomplete data that may misrepresent my credit profile. As such, I respectfully request that the account be promptly updated to reflect only fully accurate and complete information, in compliance with FCRA 1681e ( b ).

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 2025-07-13 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: OH

Complaint narrative:
these accounts are MALICIOUSLY being inaccurately reported across the major credit bureaus, including Experian, TransUnion, and Equifax in direct violation of multiple provisions of the fair Credit Act ( FCRA ), 15 U.S.C. 1681 Also included are credit reports from multiple bureaus that are totally inaccurate!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
these accounts are MALICIOUSLY being inaccurately reported across the major credit bureaus, including Experian, TransUnion, and Equifax in direct violation of multiple provisions of the fair Credit Act ( FCRA ), 15 U.S.C. 1681 Also included are credit reports from multiple bureaus that are totally 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 2025-07-13 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: NY

Complaint narrative:
I pulled my credit report and noticed inaccuracies. I sent a letter to investigate to the bureau, and they returned the status as completed investigation and updated the status and it is still showing many inaccuracies. 

Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - No information is available prior to XX/XX/XXXX but the account is noted as being opened in XX/XX/XXXX. That is 7 years of inaccurate and incomplete information- There are no late payments noted but the status was suddenly updated to Charged Off in XX/XX/XXXX and has been repeatedly updated every month since. This is not possible. Information is inaccurate. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ), which requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, I am formally disputing the accuracy and completeness of the referenced account. Although the account has been marked as investigated and updated, it continues to reflect multiple inaccuracies and contains incomplete data that may misrepresent my credit profile. As such, I respectfully request that the account be promptly updated to reflect only fully accurate and complete information, in compliance with FCRA 1681e ( b ).

Company response to consumer: Closed with non-monetary relief