vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had a Chase XXXX XXXX card for over 9 years. It is the card I use the most. I have other Chase credit cards. My credit is excellent. 

XXXX is offering a promotion for a new Chase XXXX XXXX card where you would get XXXX XXXX rewards points if you applied for the new card. This promotion can still be found on both the Chase and XXXX XXXX websites. 
There were only XXXX stated requirements in the offer, namely : XXXX. You can not have received a new card bonus during the past 2 years ( which I had not ) ; and XXXX. You could not be an existing card holder. I was an existing card holder so I cancelled my existing card on XX/XX/year>, and applied for the new card ( whose terms I liked better ) on XX/XX/year>. 
My application was denied because I was an existing cardholder ( even though I was not ). I called Chase and was told to apply after XX/XX/XXXX because that was when their system would recognize that my card had been cancelled. 
I did that and received XXXX letters from Chase, XXXX saying I still had a card and another saying this was a duplicate application. I was told various things when I called Chase to try to understand this. 
I called again today, XX/XX/XXXX, to see about the status of my applications. 
I had made XXXX applications by now based on the various things I was told, like call XXXX, you still have an existing card, you need to pay off the remaining balance even though it was not due ( which I immediately did on XX/XX/XXXX ). 
The call today was very puzzling. First I was told that I had to wait " XXXX billing cycles '' before my application would be considered. I asked to speak to someone else and was told all of my applications have been denied, no reason given. 
The new card bonus expires on XX/XX/XXXX, so it looks like my application will not be able to be approved in time. 
This latest " XXXX billing cycles '' excuse seems very suspicious to me. It appears that anyone cancelling their existing card and applying for the new card would not be able to meet the deadline of XX/XX/XXXX. 
XXXX of the rejection letters I received from Chase states " You may eligible to change your existing credit card for the card product you applied for '' but " a product change is not eligible for a new cardmember bonus. '' Bottom line, I think Chase set up this undisclosed " XXXX billing cycles '' requirement to thwart people form getting the XXXX XXXX XXXX XXXX points. 
Chase notified me on XX/XX/XXXX that my card was cancelled. You mean to tell me that their computers were incapable of matching my cancellation with my applications? Something is wrong here. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
Please remove these items from my Credit report : - ADDRESSES : - XXXX PALM XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : - XXXX  INQUIRIES : - 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 had not checked my Credit report in a long time. I went to the bank and was informed of these items. This is identity theft and a nightmare.

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 2025-09-10 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: PA

Complaint narrative:
Please remove these items from my Credit report : - ADDRESSES : - XXXX PALM XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : - XXXX  INQUIRIES : - 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 had not checked my Credit report in a long time. I went to the bank and was informed of these items. This is identity theft and a nightmare.

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 2025-09-10 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: IL

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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened XXXX or more accounts in my name without my knowledge or consent. I did not authorize these accounts or request overdraft services. Despite this, Wells Fargo charged me overdraft fees and other related charges tied to accounts I never opened or approved. 

When I contacted Wells Fargo, I requested documentation showing how these accounts were opened and proof of my authorization. To date, the bank has not provided this information or reversed the fees. This has caused financial harm, stress, and the potential for damage to my credit. 

I am filing this complaint because these actions violate my consumer rights under federal law, including the Electronic Fund Transfer Act and the Consumer Financial Protection Act, which protect against unauthorized accounts and unfair fees.

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 2025-09-10 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: EQUIFAX, INC.
State: GA

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 1681.

15 U.S.C 1681 section 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 a 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 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 2025-09-10 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: MI

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 XXXX 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 XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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, as proof from the XXXX 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
Consumer complaint received 2025-09-10 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS XXXX XXXX XXXX  AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( XXXX  ), XXXX XXXX CODE XXXX, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER XXXX XXXX XXXXXXXX. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN XXXX XXXX IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-09-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My name is XXXX XXXX, I'm at risk of identity theft, debit and credit card fraud on XX/XX/year> my mom mailed my wallet that I forgot in Utah back to me in XXXX, Nevada. Where I was currently living at the time. XXXX arrival was supposed to be by XX/XX/year> on Friday but was never in my mailbox, I never received my wallet. My wallet included my ID and XXXX different bank cards, including credit cards. I noticed withdrawn deposits in my bank that where not made by me and since then, I have had to switch accounts, to protect my money and XXXX XXXX, i've also had casino send me letters, stating that I'm not welcome back in places that I have not been to at that time, my banks are aware of the fraudulent activity. XXXX of my banks has informed me that someone has came into the branch in person, portraying to be me with my identification, switched cards and phone numbers, lady knows she messed up from there they did not want to help me out anymore and are accusing me of fraudulent. I'm still in the process of filing complaint to the XXXX. 
Postal service because they delivered my wallet to the wrong mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-10 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: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history. I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION XXXX XXXX XXXX. ALL INCORRECT INFORMATION THAT DOESNT BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT. -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was opened XX/XX/XXXX with the amount {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened XX/XX/XXXX with the amount {$1300.00} XXXX XXXX  XXXX XXXX XXXX XXXX ) was opened on XX/XX/XXXX with the amount {$2300.00} -SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX with the amount {$600.00} XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} .. ALL ABOVE INCORRECT INFORMATION DOESN'T BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT.

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 2025-09-10 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: ND

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX 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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
[ XXXX XXXX [ XXXX Beaverland XXXX MICHIGAN XXXX [ MIDLAND CREDIT XXXX XXXX XX/XX/XXXXXXXX MI XXXX XX/XX/year> Re : Request for Debt Validation under XXXXXX/XX/XXXX XXXX Account Number : [ Insert if available ] To Whom It XXXX Concern, This letter is sent in response to your claim of an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting full validation of this debt. 

Please provide the following : XXXX. Proof of the debt the original signed contract or agreement bearing my signature. 


XXXX. XXXX of ownership documents showing that you are authorized to collect this debt, including the chain of assignment or transfer from the original creditor. 


XXXX. Detailed accounting a complete itemization of the alleged debt, including principal, interest, fees, and any other charges. 


XXXX. Creditor information the name and address of the original creditor, and proof that this debt is owed to them. 



Until such validation is provided, you must cease all collection activity and not report or verify this alleged debt to any credit reporting agency, as doing so without proper validation is a violation of the FDCPA and the Fair Credit Reporting Act. 

If you fail to provide the requested documentation, or continue with collection activity without validating the debt, you will be in violation of federal law, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This is not a refusal to pay but a request for validation. Please note that all communications regarding this matter must be in writing. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing multiple inaccurate accounts on my credit report. I previously submitted disputes directly to the credit bureau ( XXXX ), but they were marked as verified without providing any supporting documentation from the furnishers. This violates the Fair Credit Reporting Act ( FCRA ) XXXX, which requires a reasonable reinvestigation and disclosure of the method of verification.

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 2025-09-10 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: PA

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies, including an account for which I have no agreement, contract, or direct relationship. I disputed this with all three credit bureaus and the reporting company, yet the bureaus responded that the account was verified despite no proper validation or documentation being provided. This appears to be a violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), as consumers are entitled to accurate reporting and validation of debts. The continued reporting of this unverified account has been detrimental to my credit health, financial opportunities, and overall well-being.

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