vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am submitting this complaint to request that Equifax take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my Equifax consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$1600.00} XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$1200.00} XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balancebof {$1000.00} XXXX XXXX XXXX XXXX - Opened XXXX/XXXX  With a balance of {$24000.00} XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$450.00XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$1400.00} XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$860.00} XXXX XXXX XXXX  XXXX - Opened XXXX XXXX XXXX With a balance of {$2200.00} XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$3000.00} I expect that Equifax will act swiftly to resolve this matter as stated in my FTC reports ( # XXXX ) ( # XXXX XXXX and block the fraudulent information from my credit report as required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NAME / ACCOUNT NUMBER XXXX. XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIERES XXXXXXXX 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion CREDIT REPORTING AGENCY has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don XXXX XXXX XXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nathan & Nathan, P.C.
State: AL

Complaint narrative:
On XX/XX/XXXX ( XXXX Sunday ) I received a fraudulent small claims summons from XXXX XXXX, XXXX. Nathan & Nathan , P.C . located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX falsely accusing me of owing them money. Someone by the name XXXX XXXX is listed as the plaintiff. They are falsely claiming to be XXXX XXXX because XXXX XXXX has no physical location is in XXXX, XXXX. My account with XXXX XXXX has been closed by XXXX XXXX since XX/XX/XXXX. I have no contract with these people trying to illegally take money from me. They have many negative reviews from other people as well. They are scammers. The paperwork states it was filed in XXXX of XXXX which makes no sense. They need to be investigated and shut down. I never gave them permission to have access to any of my personal information. They stole my information for financial gain.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, This letter serves as my first formal dispute regarding inaccurate information on my Experian credit report. I am disputing the accuracy and completeness of the following accounts and requesting a full Method of Verification under the Fair Credit Reporting Act ( FCRA ) 611 and 609.

Accounts in Question : XXXX. XXXX Account Number : XXXX Charged Off Balance {$49000.00} ( as of XX/XX/XXXX ) XXXX. XXXX XXXX Account Number : XXXX Closed Opened XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Closed Balance {$13000.00} ( as of XX/XX/XXXX ) I respectfully request that you provide the method of verification, including : The name and contact information of the party who verified each account The method and documentation used in the verification process If you are unable to provide this information within the legally required timeframe, I request that the accounts be immediately removed from my credit file and that I receive an updated copy of my report. 

Sincerely, 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the XXXX XXXX XXXX XXXX might constitute mail fraud under Federal and State law.

You may wish to consult with a competent legal advisor before your next communication with me. 

XXXX  - XXXX * * * * - In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX or XXXX days late without a preceding XXXX or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX or XXXX days late without a preceding XXXX XXXX XXXX days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX XXXX XXXX days late without a preceding XXXX XXXX XXXX days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error.XXXXI keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a verified victim of identity theft and was affected by the XXXX data breach. As a result, multiple fraudulent accounts, addresses, names, and credit inquiries were added to my credit report without my knowledge or consent. I submitted an official FTC Identity Theft Report ( Report XXXX. XXXX ) and sent formal disputes to the credit reporting agencies requesting removal of this information under FCRA Section 605B ( 15 U.S.C. 1681c2 ).

Despite submitting proper documentation, the credit bureaus have failed to block or delete the fraudulent information within the required 4 business days, as outlined in the FCRA. In addition, there is evidence that some of these creditors are preparing to or have already issued Form 1099-C cancellation of debt notices to the IRS based on debts I did not legally incur a clear violation of IRS 26 U.S. Code 6050P and a federal offense. 

I am now facing financial hardship, emotional distress, and potential tax liability for debts I never owed. These continued violations are affecting my ability to obtain housing, employment, and financial stability for me and my family.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase Freedom Credit Card has a promotion in its Ultimate Rewards program that gives you a statement credit option of Pay Yourself Back where you get XXXX  % more value in statement credit from donations you make to select charities. The charities include XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ). I donated {$23.00} to XXXX on XXXX and XXXX XXXX XXXX on XXXX. They honored the XXXX  % bonus statement credit option for XXXX XXXX XXXX, but not for XXXX, when the latter was clearly listed as part of the promotion. 

For XXXX XXXX XXXX, I earned XXXX points ( pts. ) for the donation. XXXX XXXX = XXXX pts. so it should only cost XXXX pts. to for the statement credit. But they did not make this an option and showed only that I could redeem credit by paying XXXX points. 

I called Chase to complain about this error on XXXX on XXXX and XXXX, but they ignored the problem of the proper statement credit bonus. 

I messaged Chase on their online banking website about the un-resolved problem on XXXX o Response : they responded to another issue about rewards points that was irrelevant to my complaint. 
XXXX o Response : they said I had to donate directly to the charitys parent organization, XXXX XXXX may not be eligible. 
XXXX : I said I did donate directly to the parent organization and provided them the receipt of the parent organization with address of the parent organization. 
o Response : they said I had to donate directly to the charitys parent organizationXXXX XXXX XXXX may not be eligible. 
XXXX : I reiterated that I donated to the parent organization with proof shown on the receipt o Response : they said I had to donate directly to the charitys parent organization, XXXX XXXX may not be eligible. No adjustment can be made. 
XXXX : I said they are wrong about me donating to anyone but the parent organization. Furthermore, I attached an email from XXXX saying that they dont have any parent or XXXX XXXX, just XXXX main organization. I requested that they credit me {$23.00} and redeem it with XXXX points. 
o No response XXXX I followed up with my prior request that they credit me {$23.00} and redeem it with XXXX points. 
o No response XXXX I followed up with my prior request that they credit me {$23.00} and redeem it with XXXX points. 
o Response : I would receive a reply within 5 business days. I have not received any reply since then. No resolution addressing my points supporting my statement credit with XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CT

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 XXXXXXXX XXXX XXXXXXXX BALANCED {$270.00} XXXX XXXX BALANCED {$790.00} XXXX XXXXXXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$34000.00} XXXX XXXXXXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$810.00} 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XXXX XXXX someone ordered a replacement card for my account had it delivered to an address that is not mine. Then XXXX XXXX walk into 2 separate chase banks withdrew money without being ID 'd with drew XXXX  dollars then went to XXXX  and did XXXX  cahs back transactions within XXXX minutes. Overdrew my accounts. Somehow they were able to hack the account call chase get a debit card go into the bank with draw my money with no ID and no one chase thought any of this was suspicious. The police department ar involved. I am still missing almost XXXX and was charged for the over draft which has not been returned. They did refund the cash back charges from XXXX they conduct their investigation. So apprenently someone can walk into a chase with your debit card and with draw money from your account no id required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: CT

Complaint narrative:
This is letter that I sent. 
I am writing to formally dispute inquiries listed on my credit report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are recorded as having been made on behalf of the XXXX  XXXX XXXX XXXX for XXXX XXXX. The associated contact information for these inquiries is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX I did not authorize these inquiries and have no existing or prior relationship with any such agency that would justify an insurance underwriting inquiry. I believe these inquiries may have been made in error or as a result of unauthorized use of my personal information. 

After contacting the XXXX XXXX XXXX at the XXXX  XXXX of XXXX, I was advised that I may be the victim of identity theft or misuse of personally identifiable and/or personal health information ( PHI ). I was also informed of potential remedies, including : Filing a disclaimer of improper appointment Filing a report with the XXXX XXXX for identity theft or unlawful use of PHI Investigating the possibility of PHI being used in a business filing without my knowledge or consent Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that these unauthorized inquiries be removed from my credit report. Please investigate this matter and provide me with confirmation that these entries have been deleted or, if not, a detailed explanation as to why. 

Enclosed with this letter are copies of my identification and any supporting documentation you may require for this investigation. I request a written response confirming receipt of this dispute and the actions taken to resolve the matter. 

Please contact me at the phone number or email listed above if additional information is required. 

Thank you for your prompt attention to this matters. 
Sincerely, XXXX XXXX I called the on Friday XX/XX/year> and I was told to send in Id and untity bill and that I may address did not match. I have had number of issues with internet and fraud/impersonalization with calls. I sent email and attempted calling, I need assistance in getting answers and this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing to formally dispute a fraudulent XXXX entry on my credit file ( Report # [ Your TransUnion Report Number, if available ] ). This entry is inaccurate, misleading, and the result of identity theft, which constitutes a violation of federal credit reporting laws, including : Fair Credit Reporting Act ( FCRA ) 605 Prohibits reporting of inaccurate information.

FACTA ( Fair and Accurate Credit Transactions Act ) Requires removal of fraudulent accounts.

11 U.S. Code 525 Protects against wrongful credit reporting due to XXXX  errors.

Dispute Details : Incorrect XXXX  Filing : [ List detailsChapter 7/13, case number if known, date filed ] Creditor/Reporting Agency : [ Name of creditor or court reporting this ] Reason for Dispute : I DID NOT FILE XXXX. This is a case of identity theft/fraudulent 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 non-monetary relief