vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX vXXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 to request full validation of the debt you are reporting and/or attempting to collect in connection with a repossessed vehicle. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2025-12-08 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: FL

Complaint narrative:
there are a few accts that need to be deleted due to fcra 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 non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
there are a few accts that need to be deleted due to fcra violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding their failure to properly investigate and resolve my credit card dispute under the Fair Credit Billing Act ( XXXX ). The dispute involved a vehicle purchased from XXXX XXXX XXXX, where the dealership presented me with documents that do not contain my name on a single page, including the Bill of Sale, Buyers Guide, and the As Is form. Every document lists only the dealerships name, not mine. Because the contract does not identify me as a party, it is invalid and unenforceable, and therefore the As Is clause can not legally apply. 

I submitted this evidence to Chase along with proof that the dealership misrepresented the vehicles condition. The XXXX XXXXXXXX XXXX XXXX had multiple prior accident and damage events that were not disclosed at the time of sale. Only after obtaining the XXXX report did I discover this. I returned the vehicle to the dealership, showing that I did not accept the defective product or the transaction. 

Despite providing all documentationincluding copies of the dealerships paperwork showing my name is missing entirelyChase denied my claim. They stated that XXXX ruled in favor of the merchant, but Chase itself failed to conduct a fair and complete investigation. The XXXX requires that issuers review the evidence submitted by the consumer. Chase did not address or reference any of the irregularities in the documents, the misrepresentation, or the fact that the contract itself is defective. 

Chase also failed to acknowledge that the As Is clause can not bar a claim where the merchant concealed material defects or submitted contract documents that do not legally identify the purchaser. The denial letter appears to rely solely on Visas decision without applying the independent obligations Chase has under federal law. 

Based on the evidence I submitted, the denial was improper and caused financial harm because I am being held responsible for charges arising from a transaction that was misrepresented and contractually invalid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I wrote a personal check from my XXXX account to my business XXXX account for {$65000.00}. On XX/XX/XXXX the money was removed from my XXXX account, see attached as proof. On XX/XX/XXXX I called Chase to have the hold released from said deposit. They denied my request citing XXXX would not validate a phone check?????? OK! Today, XX/XX/XXXX I go into XXXX who advises, the money was released on the XXXX and they have no holds.XXXX Again!! I called Chase and again I ask for the hold removed. This time, I'm told, " wait and hour and see if it goes becomes available ''. I ask, what if I don't see it, do you call me back? NOPE, I would need to call again. Do better Chase. I am a signer on both accounts, my money was removed from my XXXX account on XXXX, who gets the interest for that money while it sits in limbo? You are trying to hold my money until XX/XX/XXXX, that seems like bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
EASTERN ACCOUNT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN ACCOUNT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a call today at XXXX from someone at Transworld systems. Maybe by the name of XXXX. When I asked whom the creditor was she refused to disclose. As I understand it the debt collector must disclose the original creditor as I XXXX not be familiar with a company by the name of Transworld systems or a person named XXXX ( both of which I do not have any business with that I am aware of ). I was asked to identify myself to a company I am not familiar with that is refusing to disclose who they are doing business for which I believe is required under FDCPA XXXX. In addition, I have never received any written notification from this company. I refused to identify myself and told them not to call this number anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I contacted the collection company numerous Ty times about the debt, I have asked for a valuation of debt and asked for cease and desist. The company refused to respond and still reporting the debt on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
I made a payment through my bank 's online bill pay system last month. The amount was {$180.00} and cleared on XXXX XXXX. I have yet to get credit for that payment to my Mohela account, as on XXXX. I sent a message through the Mohela portal regarding this last week and never got a response. This morning I called their customer service line and, after an extensive wait time and my call having to be " escalated '', was told that they did not receive my payment. Apparently the address associated with Mohela that populated in my online bill pay was incorrect, and was for XXXX, a company they have acquired. They said I would have to contact my bank to find out where that payment went. I contacted my bank, and they said that because this was an " XXXX '' or electronic payment, the physical address didn't matter, just the account number, and my account number for the payment is correct. I even thought I would try talking to XXXX about this, even though I have never had an account with them. When I look up their contact info, it says they are now owned by Mohela and to contact Mohela, so I am back to square one. The Mohela representative told me to " just not worry about '' because it was showing that I didn't have a payment due for XXXX, but I AM worried about it because I want credit for the payment that I made! I feel like every month it is SOMETHING with Mohela, and they refuse to email me any info ( they say they are not allowed ), as if to avoid having any record of their incompetence. I've never dealt with a less professional company.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a XXXX XXXX in assets and thousands in cash and chase has yet to send me a my check from these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$660.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and my credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries still remain on my report. This failure to take action is unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicative of possible identity theft. Your inaction is causing ongoing emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
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 2025-12-08 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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 explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Under the FCRA all documentation of the physical verification process has been requested that took place researching my complaint ( XXXX ). Also I have requested XXXX associated with " charge offs. '' It wouldn't be considered duplicative if the requested documents were furninshed ( e.g. XXXX ). I have not received any documentation pertaining to these derogatory entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
This complaint is regarding my auto loan. My late payments were caused directly by an insurance settlement delay and a delay from the XXXX provider, not by negligence on my part. My total loan balance was approximately {$10000.00}. The XXXX provider paid a little over {$7000.00}, but I was never notified of this payment. Because of the lack of notification, the bank continued to charge late fees and report negative marks to my credit. 

I did not have the vehicle in my possession since XXXX, and the remaining balance ( about {$3000.00} ) is the result of insurance/XX/XX/XXXX delays, not my actions. When I contacted the bank to request a hardship review, temporary payment reduction, or removal of late fees, the bank refused to offer any assistance and demanded that I pay more than {$700.00} within XX/XX/XXXX days, which is not financially possible. 

This is not a voluntary delinquency. The bank is refusing to provide any hardship options even though the circumstances are clearly tied to insurance delays. This has caused serious financial harm and damage to my credit. 

Resolution requested : A hardship review Temporary reduction of payments Removal or adjustment of late fees caused by the insurance/XX/XX/XXXX delay A reasonable repayment plan Correction of negative credit reporting associated with this issue I am simply asking for fair treatment considering that the delays were outside of my control. 

Bank name : global lending

Company response to consumer: Closed with explanation