vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested my credit card account to be closed in early XXXX. Despite this, the account remained open and was reported late in XXXX. Additionally, a new credit card account was opened in my name without my authorization, and charges were made to it. I contacted Chase multiple times to dispute the charges and have the incorrect reporting corrected. Chase initially stated they would fix the issue but later refused to remove the negative reporting. This has caused a significant drop in my credit score, impacting my ability to secure financing. I have supporting documentation, including statements, letters, and past due notices, proving my claims. I request that the CFPB investigate Chases failure to close my original account, the unauthorized opening of a new account, and the inaccurate reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: WI

Complaint narrative:
My information was exposed in a data breach. These accounts do not belong to me. 



XXXX XXXX XXXX - acct : XXXX, bal- {$240.00}, opened : XX/XX/XXXX XXXX XXXX -acct : XXXX, bal- {$1600.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX, Bal- {$730.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX acct : XXXX, Bal- {$630.00} XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$160.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$520.00}, opened : XX/XX/XXXX XXXX  it XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$1300.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$2200.00}, opened : XX/XX/XXXX XXXX  XXXX, Bal- {$700.00}, opened : XX/XX/XXXXXXXX XXXX - Bal {$810.00}, XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: WI

Complaint narrative:
My information was exposed in a data breach. These accounts do not belong to me. 



XXXX XXXX XXXX - acct : XXXX, bal- {$240.00}, opened : XX/XX/XXXX XXXX XXXX -acct : XXXX, bal- {$1600.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX, Bal- {$730.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX acct : XXXX, Bal- {$630.00} XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$160.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$520.00}, opened : XX/XX/XXXX XXXX  it XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$1300.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$2200.00}, opened : XX/XX/XXXX XXXX  XXXX, Bal- {$700.00}, opened : XX/XX/XXXXXXXX XXXX - Bal {$810.00}, XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has now infiltrated 2 of my credit reports in an attempt to insert fraudulent files. XXXX XXXX XXXX has stated they have a XXXXXXXX XXXX  under my name. I have had XXXX XXXX and phone for over a decade. XXXX XXXX XXXX never notified me with a letter and instead market credit down for an account they fraudulently made and hope to sneak on while XXXXXXXX XXXX Equifax  have legal issue. I XXXX XXXX XXXX XXXXXXXX should be held liable for this deceptive measure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
XX/XX/year> XXXX I received a notification on my XXXX XXXX account that Exter Finance is reporting on my credit the account as a repossession when they do not have possession of the vehicle, that is illegal to be reporting inaccurate information to the bureaus. In that matter I am not responsible for any debt for this company. I need them to show proof of my signatures stating that the vehicle has been repossessed. They are now committing identity fraud and violating my rights by knowingly furnishing information on my credit report that they weren't prvivied to. I do not owe Exter Finance anything. They have also put a block on my license which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their failure to correct inaccurate reporting on my credit file, specifically regarding an auto loan account with XXXX XXXX XXXX ( Account # XXXX ). Despite multiple disputes, they have wrongfully verified inaccurate and misleading information in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Details of the Inaccuracy : 1. False Past-Due Balance : The account is reported as Voluntarily Surrendered/Never Late, yet it still reflects a past-due balance of {$7200.00} as of XX/XX/XXXX. Since the vehicle was surrendered in XX/XX/XXXX, no past-due balance should exist. 
2. Incorrect Last Payment Date : The last payment date is falsely reported as XX/XX/XXXX, even though the vehicle was surrendered in XXXX. 
3. Harm to My Credit Score : The continued reporting of a false balance on a closed and surrendered account is causing significant harm to my credit score by inflating my credit utilization ratioone of the key factors in credit scoring. This is materially misleading and damaging to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their failure to correct inaccurate reporting on my credit file, specifically regarding an auto loan account with XXXX XXXX XXXX ( Account # XXXX ). Despite multiple disputes, they have wrongfully verified inaccurate and misleading information in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Details of the Inaccuracy : 1. False Past-Due Balance : The account is reported as Voluntarily Surrendered/Never Late, yet it still reflects a past-due balance of {$7200.00} as of XX/XX/XXXX. Since the vehicle was surrendered in XX/XX/XXXX, no past-due balance should exist. 
2. Incorrect Last Payment Date : The last payment date is falsely reported as XX/XX/XXXX, even though the vehicle was surrendered in XXXX. 
3. Harm to My Credit Score : The continued reporting of a false balance on a closed and surrendered account is causing significant harm to my credit score by inflating my credit utilization ratioone of the key factors in credit scoring. This is materially misleading and damaging to my financial standing.

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 2025-02-22 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation 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 ( 1 ) promptly delete that item of information from the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 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 2025-02-22 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
On Or around XX/XX/year> I was a victim of Bank Fraud in which I had to file a complaint with The CFPB and it was resolved. This made me begin to also check my credit file with all 3 Bureaus XXXX, Equfax, and Experian. I then noticed some abnormalities with my name, addresses and some accounts. I then filed disputes against all items and found out that Experian had put a freeze on my account due to fraud without notifying me or without my consent. After not recieving any results I took things a step further and filed XXXX XXXX, which was discharged XX/XX/year>. These accounts are still being reported to my credit file and has caused me a great deal of hardship. I am challenging and filing a dispute against Experian under the laws of : 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). I am also challenging and filing a dispute against Equifax under the laws of : 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). I am chellenging and filing a dispute against XXXX under the laws of:15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). These companies have been investigated for improper investigations and I believe I am a victim.

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 2025-02-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stems from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-22 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed fraudulent accounts and unauthorized inquiries.

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 2025-02-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To whom this may concern, Hello! I am attaching a FTC report containing 5 fraudulent accounts. I am submitting this two Chex Systems to block the 1 account attached to this CFPB report as well as remove the address listed in the FTC report.

I have attached 2 accounts in the FTC report to XXXX which are fraudulent accounts in lieu of FCRA 605B to be blocked from my XXXX report. 
Last I have attached two accounts with XXXX which were recently blocked and appeared back on my XXXX credit report without any kind of notice to me. Those two accounts are fraudulent per FCRA 605B and should be blocked from continuing to be reinserted unto 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by Capital One. 
The account appears on my credit report with a balance of {$6100.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX XXXX XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus XXXX XXXX XXXX XXXX XXXX  ) to place a fraud alert on my credit file. 
I have reached out to Capital One to dispute the fraudulent account, but they have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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