vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Three transactions took place in XXXX XXXXXXXX, California at a XXXX XXXX on XX/XX/year>2025 using my XXXX  XXXX  account, for the amount of {$150.00} each totaling {$450.00}. I reported to Chase Bank right away and they reinbursed me while they investigated. After 3 days Chase ended up denying the claim and withdrew all XXXX transactions totaling to {$450.00}. The transaction states that my account was used " In Person '' but at the time of purchase I was working at my place of employment in XXXX, Illinois. There was no possible way it was used I who made these purchases. I have tried calling XXXX 's and XXXX XXXX  but I have not been able to resolve. I did not give anyone access to my phone or apple account. Nor was my phone stolen or left unattended. I have a passward setup to enter my phone. 

I would like to have this resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: RI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: RI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-04 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: MS

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, Equifax & XXXX  credit report on XX/XX/year>2025, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have complained about this company last year and I still get the same information from them that DOES NOT prove they legally can collect these debts. They have 3 accounts with them and now recently they have sent out a new collection letter from 20 years ago that is definitely NOT my account it's for XXXX XXXX however my ex-husband had his name on all our cell phone accounts we had until 2014 when we divorced. So they keep sending me payment summary pages. I asked for the contract that they got from original creditor that states they can collect the debt, and they have yet to prove they own these accounts. I am so tired of them NOT giving me what I have the right to ask for and I told them in the letter that IF they can't provide the contract then they need to delete these collections and stop contacting me. But they replied with the same papers which is summary page. I don't have dates except on the letters I sent out and they responded back with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXXXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX  XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
My husband and I purchased a used vehicle from XXXX XXXX XXXX, GA in XX/XX/XXXX. The company has done multiple things wrong and refuses to fix them claiming everything is valid. We specifically asked if it was a smokers vehicle and were told no. My guess is they covered the smell to get us in there. The day after we bought it we went on vacation and upon returning the smell slapped us in the face. On XX/XX/XXXX I spoke to our lender who advised us they do not provide loans to the area we live in and not sure how it got pushed through. I asked for my loan documents they had to be sent to me so I could compare them to mine and upon receiving the documents I notice a document that I do not have in the documents I received from the dealership and it is most definitely not my signatures. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX who advised they had all new staff so they had no one to charge and they could only apologize. I advised that is not acceptable and I wanted the contract rescinded. I called back on XX/XX/XXXX to speak to the GM XXXX who was out the day prior and was met with our finance person XXXX who I was told yesterday by XXXX  he no longer worked there. XXXX advised the document I was referring to only required printed names and not our signature. When I advised it was signed his story changed to well I never give my clients that document. I told him I would not argue with him I wanted to speak with the GM. Upon speaking with the GM he claims according to their compliance department all signatures a valid which is not true. He also tried to make the claim they got our application to go through because of where I work in XXXX XXXX but whats funny is I dont work for XXXX XXXX and the company I work for is not in XXXX XXXX XXXX His answer to this problem is to trade me out of the car. Your dealership committed fraud on multiple things and you want to trade me out of the car.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting this report as Chase has still not removed unfair & false items from my credit report. 

My credit report unfairly shows a {$420.00} past due item from XX/XX/XXXX. The past due item is false & unsubstantiated as all of my official statements from Chase prove {$0.00} past due. 

Attached are statements proving {$0.00} past due. To put {$420.00} past due on my credit report is discriminatory & unethical. I did not miss a payment every month of XXXX. 

From XX/XX/XXXX to XXXX, I did not miss any payments. Chase simply sent my statements for {$60.00} due each month, & every statement said {$0.00} past due. 

The credit reporting from Chase is not only disappointing, but discriminatory. Chase put false items on all three credit bureaus : XXXX XXXX & XXXX Chase unfairly put a false payment history for late payments from XX/XX/XXXX to XXXX. 

For XXXX, Chase put 120 days past due & 180 days past due. This is blatant discrimination & completely unethical. As stated previously, I did not miss a payment in XXXX. 


I finished paying a settlement agreement of {$1200.00} yesterday, XX/XX/XXXX. 

Attached is a copy of the settlement agreement that I received in the mail on XX/XX/XXXX. 

I paid {$300.00} on XX/XX/XXXX, {$300.00} on XX/XX/XXXX, and {$600.00} on XX/XX/XXXX. 

The right thing for Chase to do is to remove the derogatory account status, remove the {$420.00} past due, & to remove the inaccurate payment history from all three credit bureaus for the months of XX/XX/XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
TeleCheck is the payment service used by XXXX XXXX XXXX ( XXXX  XXXX ). When I went to pay originally it declined my payment. I notified the XXXX XXXX and they directed me to TeleCheck. I reached out on XXXX to share to which they told me that I didn't have enough history in their system, they corrected the issue, wait 24 hours and then I can make a payment. Payment was due on Wednesday. I tried on Wednesday XX/XX/year> and it was decline again after 24 hours. I called and did not get any answer. They request all your banking information over the phone automatically which feels wrong too. I called on XXXX ( now a late payment ) because it was declined gain after another attempt. They reported the same reason. There is no other alternative way to pay my XXXX XXXX XXXX and TeleCheck is placing me at risk for my credit, my child losing care, and late fees. I have escalated to a supervisor requesting proof that I am clear to process my payment from here on out without decline ( and they did not provide any assurance ). This is unacceptable. They are telling me I don't have enough history on their " guidelines '', lacking a transaction history. How do I do build this, if no transaction is allowed? They can not guarantee when a payment will go thru. Basically, they told me to continue getting declined. TeleCheck case number is : XXXX, Supervisor XXXX. They record the calls. I requested a supervisor and they said they will send me to the resolution department which can take up to 3 days to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: ND

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-04 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ 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 2025-09-04 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: FL

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccuracies that do not meet the FCRAs standard of maximum possible accuracy. These errors are causing ongoing harm and must be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint concerns the reporting of a fraudulent account under my name. I never applied for, authorized, or maintained this account, and its presence on my credit report is false and misleading. The continued reporting is damaging to my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-04 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} 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