vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint and Request for Debt Validation JPMCB CARD To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau regarding an alleged debt being reported by JPMCB CARD. I dispute the validity of this debt and request that it be properly validated in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable laws.

JPMCB CARD has furnished information to the credit reporting agencies that I owe a debt. I am exercising my legal rights under federal law to request validation and proof of this alleged debt. Until such validation is provided, this account must be marked as in dispute. 
Specifically, I am requesting that JPMCB CARD provide the following : 1. The name and address of the original creditor.

2. A complete accounting of the alleged debt, including how the amount was calculated.

3. A copy of any signed agreement or contract bearing my signature, establishing my legal obligation to pay.

4. Documentation that JPMCB CARD has the legal authority to collect this debt.

5. Verification that the statute of limitations for collection on this account has not expired.

I am concerned that JPMCB-CARD may be reporting inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Reporting unverifiable information is harmful, misleading, and constitutes an unfair practice.

Therefore, I respectfully request that the CFPB investigate this matter to ensure that XXXX XXXX XXXX complies with the FDCPA and FCRA. If JPMCB CARD can not provide full and proper validation, I demand that this alleged debt be deleted from all credit reporting agencies and collection efforts cease immediately. 

Please confirm receipt of this complaint and advise me of the next steps. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 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: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITOL LLC. DATE OPEN XXXX HIGH CREDIT {$1100.00} .. BALANCE {$1100.00}. I FILE DISPUTES ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint contacted my Insurance Company - XXXX XXXX and stated there is a discrepancy on the home address. XXXX XXXX advised them that the address is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX - Shell Point has XXXX XXXX XXXX XXXX XXXX, AZ XXXX. This address was changed to XXXX from XXXX in XXXX due to growth in homes in Arizona. The Shellpoint representative stated to XXXX XXXX that they will not contact me and that they will not send my homeowners insurance payment until this is corrected, XXXX XXXX asked if they were going to contact me, and they replied to no. I called Shellpoint, and one of the representatives actually told me I have to go to Arizona ( I currently live in Illinois ) and go to the Sheriff 's office to get this corrected. The Sheriff doesn't get involved in these matters. I asked to speak with a supervisor, after a long discussion, they told me I could send in tax records showing the parcel number of the home and that this would be corrected within 3 days. I sent my information in on XX/XX/XXXX. My insurance premium is due XX/XX/XXXX. I checked their website, no updates were made, no emails, no callbacks. Interestingly enough they have paid my insurance premiums and my tax bills for years with the XXXX address on file.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-29 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed that XXXX of my accounts is not being reported accurately. In this account history, XXXX payments are shown as late, when in fact they were made on time and within the required deadlines. 

This error constitutes a clear inaccuracy in my credit file. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting payments as late when they were actually made on time is a direct violation of this legal obligation.

In addition, FCRA Section 611 ( a ) grants me the right to dispute any information I believe is incorrect or unverifiable, and requires the credit bureau to conduct a reasonable reinvestigation. Without verifiable documentary evidence to justify those late notations, the bureau is legally obligated to correct the error and update the history to paid on time. 

The late payments are shown for the following dates : XX/XX/XXXX and XX/XX/XXXX. 

These types of inaccuracies are not simple administrative errors : They negatively affect my credit score. 

They expose me to higher interest rates on loans or credit cards. 

They limit my opportunities for legitimate access to credit. 

They can even impact decisions regarding employment, housing, or insurance, since many entities use credit reports as an evaluation criterion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following items be verified or removed immediately. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following items be verified or removed immediately. 

INQUIRIES : - 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 2025-09-29 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I purchased a weight loss product from a company called " XXXX '' They claimed that a full refund would be given if you did not see results OR FOR ANY REASON, if you, the buyer, returns your empty bottles as well as any unused bottles to them. 
After just XXXX weeks I began contacting them. I had GAINED XXXX lbs, whereas, by their claims, I should have lost XXXX lbs. 
I spoke with a woman who CALLED ME initially upon my receiving the most expensive option, a bounty of XXXX bottles that I ordered totaling just under {$400.00}!!! She explained that the weight gain, " could happen '' although, this ofc, was never advertised in their videos/adverts. she suggested that I continue another few weeks- I was admant that I was not willing to go over the 60 day guarantee which they offer for money back. I waited XXXX more week- still gaining, bit losing weight. 
I am now calling this numer, texting this number RELENTLESSLY, to no avail. 

So I emailed them and again- nothing. 

The company is IMPOSSIBLE TO REACH, I've tried to return my unused product for a refund and had XXXX luck. 

Finally, I disputed the charge thru my AMEX card with which it was purchased. I assumed that went well as they immediately reunded the full amount to my card. 
Now, it's past the time the company will approve a refund and a new bill has appeared on my card for the full amount. 

I could really use some help here. 

EVERYTHING I'VE SEARCHED ON THE WEB RE XXXX REPORTS /VALIDATE THAT THIS IS A SCAM AND THERE ARE MANY, MANY VISTIMS OF THIS SCAM. SOME HAVE BEEN LUCKY ENOUGH TO BE COMPENSATED, BUT MANY, INCLUDING MYSELF HAVE NOT. 

I'm not well off, I couldn't afford to lose this money- but for the claims that they made, I was willing to forgo other necessities to lose these stubborn pounds. They are literally preying on people 's insecurities and it's disgusting. 

Please let me know if I can provide further information. 

I purchased the item on : XX/XX/2025 and it appeared on my card as " XXXX * XXXXXXXX XXXX XXXX XXXX removed the charges and then just reinstated them this month stating that I lost the dispute- I'm LIVID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NJ

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-09-29 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recent XXXX data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the XXXX XXXX, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified by me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IN

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX left XXXX voicemails after XX/XX/year> without identifying themselves or stating they are a debt collector, violating FDCPA 1692d ( 6 ) and 1692e ( XXXX ). see attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Subject : Unjustified closure of checking and credit accounts Problem Description : My bank closed my checking and credit accounts without providing a clear explanation. I have always met my obligations and did not receive proper prior notice regarding the reasons for the closure. This situation has caused financial difficulties, as I rely on these accounts for both personal and business operations. 

Requested Resolution : I request that the bank provide me with a detailed and documented explanation of the reasons for closing my accounts. I also ask that my case be reviewed again and that the bank consider reopening my accounts or offering me alternative options to maintain access to financial services.

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 2025-09-29 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under Fair Credit Reporting Act ( FCRA ) I believe these inquiries does not belong to me they are unknown.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNVFUNDG is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNVFUNDG is a debt collector. They are falsely reporting on my credit!! Account number is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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 disputing the late payment reflected on my credit report, which is an inaccurate portrayal of my payment practices. My records confirm that I have always made payments on time, and therefore, this reporting is erroneous and unjustly damaging to my profile.

Company response to consumer: Closed with non-monetary relief