vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received this notification today in my chase app and I call because I never applied for freedom rise card, I dont have any delinquency report or collections my car is all paid a long time ago, I do t have any mortgage I rent I dont expect buy a house for the moment, my cell phone light everything is on time my rent too, so I cant believe that send me this letter makes me feel frustrated, angry, disappointed with the bank because I ban see they dont have control about who send this notification and says no was ours so who do that thats my concern ; just say sorry and call all credit agencies to reported, like XXXX month ago my score in experian was XXXX and now XXXX with no explanation, is too much points I loose when nothing are changing, I work hard to have a better score and pay puntual and be responsable looks like is a mistake, so I need to know whats going on.? Whats wrong? Really affects. XXXX I have a critical health issue XXXX a single mom works all day and I handled with this pain all the days of my life, and. XXXX Im the worse person ever, y pay my cards punctually I dont own nothing I pay on time everything Dear XXXX XXXX XXXX XXXX Thank you for applying for a new XXXX XXXX XXXX Platinum account. We reviewed your application, and we're unable to approve this account for you at this time. We know this isn't the answer you were hoping for, and we'd like to give you more information about our decision. 
We based our decision on the following reason ( XXXX ) Serious delinquency, public record, or collection item Too few accounts currently paid as agreed Balances on revolving accounts are too high compared to credit limits No recent non-mortgage balance information Details about the credit bureau and credit score we used to make this decision are included at the end of this letter. This information can help to build awareness around credit health, which is an important part of being approved for a future application. 
We have a free tool that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize the following inquiries : INQUIRIES NOT RECOGNIZED 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 I was never late in the follosing accounts Account name Account number Reason for dispute XXXX  XXXX  XXXX  XXXX  This account was never paid late, please correct it. 
XXXX XXXX This account was never paid late, please correct it. 


15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-05-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize the following inquiries : INQUIRIES NOT RECOGNIZED 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 I was never late in the follosing accounts Account name Account number Reason for dispute XXXX  XXXX  XXXX  XXXX  This account was never paid late, please correct it. 
XXXX XXXX This account was never paid late, please correct it. 


15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: OR

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-14 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
No Due Process : I was not told what the debt was, who the original creditor was, or given a chance to dispute it. Thats a basic denial of due process, which violates Texas court procedure and constitutional fairness. 

No Verified Documentation : XXXX never presented : The original creditors name A signed contract or account statement Proof that they legally own the debt Thats a huge legal hole, and the court should not have issued judgment without it. 

XXXX  Into Signing Judgment : The judge had the me sign and go, giving the impression she wasnt being sued, when in fact, it was a final judgment against her. That can be seen as procedural misconduct or confusion leading to an unjust outcome. 
I was not informed of the identity of the original creditor, the basis of the claim, or any supporting documentation. Plaintiff did not provide a contract, billing statements, or assignment documents. 
The court proceeding lasted only minutes. I was told to confirm her name and address, and was then told to sign paperwork without any explanation. No evidence was presented, and no hearing or trial took place. 
The process left the me unaware that a judgment was being entered against her. I believed she was simply confirming personal information or attendance, not agreeing to a final judgment. 
This judgment was entered without proper explanation, legal representation, or a meaningful opportunity to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
I have {$2000.00} on the Gemini exchange for buy limit orders but no cryptocurrency at the moment. The problem that Im having is that on the second of this month I received a scam text claiming to be Gemini, but I quickly realized it was a scam text and got off the phone after talking to the scammer for about XXXX minutes. I did not give them any personal information about my account but just to be safe I changed my password and notified Gemini. To be cautious Gemini froze my account, which was fine at first because I wanted to be safe. I did what they asked me to do. I sent them a picture of myself with the requested information, but they have not unfrozen my account. My buy limit orders will not be triggered until my account is unfrozen. I have sent them several emails, but they have completely stopped replying to my emails and it is very disrespectful. At this point I need your agency to assist me to get my account and frozen, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
15 USC 1681b ( a ) ( 2 ) Permissible Purpose of consumer reports. Please remove this incorrect personal information. As a consumer this must be deletedimmediately.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA and CDIA Guidelines Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the ongoing inaccurate and noncompliant credit reporting being conducted by several furnishers listed on my Experian credit report. This letter is filed under the Fair Credit Reporting Act ( FCRA ) 1681i and the Metro2 Credit Reporting Resource Guide maintained by the Consumer Data Industry Association ( CDIA ). 

The following accounts are reporting inaccurate, incomplete, or unverifiable data and violate FCRA standards and Metro2 formatting requirements : XXXX. XXXX XXXX Account # XXXX Reporting a frozen {$270.00} balance since XXXX with no verified updates. 

Metro2 Violation : Stale activity, missing last payment date, and invalid XXXX coding. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Charged off in XXXX, still being reported with no updates or supporting validation. 

Metro2 Violation : Inconsistent activity status, no recent data from furnishers. 

XXXX. XXXX XXXX XXXX XXXX Accounts # XXXX & # XXXX Appear to be duplicate tradelines tied to XXXX XXXX XXXX  and XXXX XXXX. 

Metro2 Violation : Reporting without proper DOFD validation, no account ownership chain documentation. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Delinquencies ( 60 days late ) from XXXX still affecting credit profile despite the account being paid and closed. 

Metro2 Violation : Delinquency not suppressed on closed positive account. 

XXXX. XXXX / XXXX  Account # XXXX Charge-off reported with gaps in payment history and missing context for consumer dispute flag. 

Metro2 Violation : Irregular consumer information indicator ( CII ) use and balance inconsistencies. 

XXXX. XXXX XXXX XXXX Account # XXXX Reporting charge-off while simultaneously showing lack of payment activity and static balance. 

Metro2 Violation : Unverified payment rows and outdated balance records. 

respond with complete verification within 30 days, delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS like always does want to admit they are wrong. But if you look at the documentation you will see that I explain all that is going on within each pages due to my Simply they have over charged me on my monthly payment due to the facts they keep adding flood insurance, but instead of back dating to the first time they added the flood insurance, they updated like 3 months in advance. So if i have a payment for XX/XX/year> and its suppose to be {$740.00}. But b/c SPS added the flood insurance the payment goes up to {$930.00} which then throws off the collection of the property taxes. Which then SPS states that they are short. But when they do fix and remove the Flood Insurance. They dont back dated to when it was added. What they do is set up for a future date. For ex. XXXX suppose to be payment of {$740.00} but do to Flood Ins payment now at {$930.00}. Remove the flood, but they do not back date to time when they added to the mortgage and on top the changes don't go into EFFECT till XX/XX/year>. Meaning they want me to pay more than what needs to be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
Verification process for disputed accounts is inadequate. I have filed a claim with the CFPB regarding an account for which I have not received any information, documentation, or electronic communication regarding the debt. When disputed, they only respond that the claim is verified and updated according to FCRA rules. However, no updates are made, and the same issue occurs when the claim is disputed again. 
I have spent multiple weeks and hours per day attempting to obtain a phone number or email address, as the company operates under various names. The original creditor remains unknown, and no record of it has been reported to my credit report. The validity of the claim and the methods used for verification are highly unclear. 
Despite the matching social security number and date of birth, this does not constitute verification but likely accounts for the debts presence on my report. On XX/XX/year>, I finally spoke with a representative of XXXX ( formerly XXXX and XXXX ) who was unable to verify any amount of the debt or provide information about the original creditor. 
The automated systems inability to recognize any information or accounts associated with my social security number further exacerbates the problem. The credit reporting agency systems of the XXXX major agencies are in need of immediate attention. All information on my credit report from these agencies is inaccurate, containing incorrect or incorrectly posted data. 
I would be compelled to dispute all three companies with approximately XXXX accounts. Why are these companies not held accountable to the FCRA laws, which require them to report information accurately or delete it until verification is completed? It is unacceptable that we must constantly monitor their inability to effectively process data and spend our lives disputing and making claims to hold them responsible for adhering to the law. And experian just reported the same company immediately after it was deleted by them with a different amount owed. And they verified the debt this time even though the actual company cant verify the amount, original creditor. Experian just never confirmed the debt or verified anything.

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 2025-05-14 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: OH

Complaint narrative:
Verification process for disputed accounts is inadequate. I have filed a claim with the CFPB regarding an account for which I have not received any information, documentation, or electronic communication regarding the debt. When disputed, they only respond that the claim is verified and updated according to FCRA rules. However, no updates are made, and the same issue occurs when the claim is disputed again. 
I have spent multiple weeks and hours per day attempting to obtain a phone number or email address, as the company operates under various names. The original creditor remains unknown, and no record of it has been reported to my credit report. The validity of the claim and the methods used for verification are highly unclear. 
Despite the matching social security number and date of birth, this does not constitute verification but likely accounts for the debts presence on my report. On XX/XX/year>, I finally spoke with a representative of XXXX ( formerly XXXX and XXXX ) who was unable to verify any amount of the debt or provide information about the original creditor. 
The automated systems inability to recognize any information or accounts associated with my social security number further exacerbates the problem. The credit reporting agency systems of the XXXX major agencies are in need of immediate attention. All information on my credit report from these agencies is inaccurate, containing incorrect or incorrectly posted data. 
I would be compelled to dispute all three companies with approximately XXXX accounts. Why are these companies not held accountable to the FCRA laws, which require them to report information accurately or delete it until verification is completed? It is unacceptable that we must constantly monitor their inability to effectively process data and spend our lives disputing and making claims to hold them responsible for adhering to the law. And experian just reported the same company immediately after it was deleted by them with a different amount owed. And they verified the debt this time even though the actual company cant verify the amount, original creditor. Experian just never confirmed the debt or verified anything.

Company response to consumer: Closed with non-monetary relief