vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A credit card account was fraudulently opened in my name with Chase without my knowledge or authorization. I have never opened or used a Chase credit card at any time. The address associated with the account is one where I did not live during the period in question, having not resided there for approximately XXXX XXXX  when the charge occurred. The account activity appears inconsistent with legitimate use, including the opening of a new credit card for a minimal charge of approximately {$50.00}, and the transaction location does not align with where I was living at the time. After disputing the account as fraudulent, Chase conducted an internal review and issued a letter dated XX/XX/year> stating that they completed [ their ] review and confirmed that [ I am ] responsible for this account. Despite my repeated attempts to resolve this matter, Chase has refused to provide meaningful access to their fraud department, including declining to provide the full account number, which has made it extremely difficult to dispute the account further. As a result, this fraudulent account has been reported to the credit bureaus and has caused significant damage to my credit score. I am requesting that Chase remove this fraudulent account, correct all credit reporting, and conduct a proper reinvestigation consistent with federal consumer protection laws and send me all this in writing. This dispute is not about my ability to pay. I could easily pay the balance, but doing so would be an admission of responsibility for an account that was opened fraudulently. This matter concerns identity theft, inaccurate credit reporting, and principle. I should not be required to pay for a fraudulent account in order to correct Chases error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ( FCRA-Based ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX Date XX/XX/XXXX Via Certified Mail ( Recommended ) Credit Bureau Name Credit Bureau XXXX XXXX - RE : Formal Dispute of Unauthorized / Inaccurate Credit Inquiries FCRA 604, 611, 623 To Whom It May Concern, I am writing to formally dispute multiple credit inquiries that appear on my consumer credit report with your agency. These inquiries are inaccurate, unauthorized, or not verifiable, and therefore must be investigated and removed pursuant to the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiries : ( Please investigate and remove the following ) Company Name : TransUnion Date of Inquiry : XX/XX/XXXX Company Name : Experian Date of Inquiry : XX/XX/XXXX Company Name : EQUIFAX Date of Inquiry : XX/XX/XXXX -- - Legal Basis for Dispute XXXX. FCRA 604 ( 15 U.S.C. 1681b ) A consumer reporting agency may only report inquiries made with permissible purpose. I do not recall granting authorization or conducting business with the above-listed entities.

XXXX. FCRA 611 ( 15 U.S.C. 1681i ) You are required to conduct a reasonable reinvestigation of any disputed information and delete or correct information that can not be verified.

XXXX. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they knowor should knowis inaccurate. 


XXXX. Relevant Case XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must do more than simply rely on the furnishers verification. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to conduct a reasonable investigation is a violation of the FCRA. 





-- - Demand for Action Please provide written proof that each disputed inquiry was made with a valid permissible purpose, including : A signed consumer authorization, or A contract or application bearing my signature If you are unable to provide such documentation, the inquiry must be deleted immediately. 

If this matter is not resolved within the XXXX statutory period, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), State Attorney General, and pursuing civil action under FCRA 616617 . 


-- - Enclosures : Copy of government-issued ID Proof of address ( utility bill or bank statement ) Copy of credit report with disputed inquiries circled Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX Equifax Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account for the months of XX/XX/year> and XX/XX/year>. This late payment was reported by XXXX, a currently open loan that I have, that began in XX/XX/year>. I can confirm this late payment entry is inaccurate and this payment was paid on time and at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account for the months of XX/XX/year> and XX/XX/year>. This late payment was reported by XXXX, a currently open loan that I have, that began in XX/XX/year>. I can confirm this late payment entry is inaccurate and this payment was paid on time and at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

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 2025-12-16 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: TX

Complaint narrative:
I am disputing multiple inquiries on my credit report that are unauthorized and directly related to identity theft. I did not apply for credit with these companies, nor did I give consent for my credit file to be accessed. Despite previously disputing these inquiries, they continue to appear on my report, which is unacceptable. Their presence raises serious concerns about the misuse of my personal information and has caused me significant stress and anxiety.

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 2025-12-16 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:
I am filing this complaint regarding inaccurate and unverified collection accounts that continue to be reported on my credit file despite prior disputes. 

I disputed the accuracy and completeness of the following collection accounts with the credit reporting agencies. In response, the bureaus claim the accounts were verified by the furnishers ; however, no documentation or meaningful explanation of the verification process was ever provided. 

The accounts at issue include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$450.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance {$1300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX. ) Balance {$740.00} These companies continue to report the accounts without providing proof of : A valid consumer agreement or signed contract An itemized account history supporting the balances A lawful chain of assignment establishing ownership The credit reporting agencies failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i, relying instead on automated or cursory responses from the furnishers. This practice has been found legally insufficient by federal courts, including XXXX XXXX Trans Union and XXXX XXXX XXXX XXXX XXXX. 

Additionally, I exercised my right under 15 U.S.C. 1681i ( a ) ( 7 ) to request the XXXX of XXXX. To date, no bureau has disclosed how these accounts were verified, what documents were reviewed, or whether verification was conducted manually or through automated systems such as XXXX 

The continued reporting of these accounts without proper verification constitutes ongoing publication of inaccurate and unverified information, in violation of the Fair Credit Reporting Act and CFPB guidance regarding reasonable investigations.

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 2025-12-16 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified collection accounts that continue to be reported on my credit file despite prior disputes. 

I disputed the accuracy and completeness of the following collection accounts with the credit reporting agencies. In response, the bureaus claim the accounts were verified by the furnishers ; however, no documentation or meaningful explanation of the verification process was ever provided. 

The accounts at issue include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$450.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance {$1300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX. ) Balance {$740.00} These companies continue to report the accounts without providing proof of : A valid consumer agreement or signed contract An itemized account history supporting the balances A lawful chain of assignment establishing ownership The credit reporting agencies failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i, relying instead on automated or cursory responses from the furnishers. This practice has been found legally insufficient by federal courts, including XXXX XXXX Trans Union and XXXX XXXX XXXX XXXX XXXX. 

Additionally, I exercised my right under 15 U.S.C. 1681i ( a ) ( 7 ) to request the XXXX of XXXX. To date, no bureau has disclosed how these accounts were verified, what documents were reviewed, or whether verification was conducted manually or through automated systems such as XXXX 

The continued reporting of these accounts without proper verification constitutes ongoing publication of inaccurate and unverified information, in violation of the Fair Credit Reporting Act and CFPB guidance regarding reasonable investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Troy Capital, LLC
State: KY

Complaint narrative:
I have contacted XXXX XXXX XXXX to make arrangements on a debt called XX/XX/XXXX left message got a return call XXXX XXXX listed teh wronf XXXX number. Emailed XXXX from website no response XXXX emailed again direct to email address no response. called XXXX XXXX am left a message as no one was avaiable to take the call. was on hold for XXXX minutes. called XX/XX/XXXX at XXXX am spoke to XXXX. XXXX give me any oither information about her title or last name said she is the only XXXX there besides the lawyer.she asked questions about my employemnt and how much XXXX make amonth and i gave information and offered to pay {$100.00} a month as I only get paid once a month. She said she didnt think that was good enough. I need to be higher, as that would take 8 years to pay off my debt. I explained that I couldnt do anything higher currently. she said she didnt think the client XXXX XXXX would accept that. I asked if she was refusing my payment she said XXXX saying that they will not accept that low of a payment. I aksed her to XXXX ut and get back to me. That I was trying to resolve my debt. XX/XX/XXXX at XXXX pm receieved a call from XXXX stating that XXXX capital was not accepting the offer to pay {$100.00} a month. I could put a down payment of {$1000.00} then pay {$100.00} a month or do {$200.00} a month. I explained that I can not afford to do that. She said we have judgemnt you deciode what you want but we can garnish your check. I asked her if she was XXXX recorded line and she said yes. I asked her are you and XXXX XXXX refusing my offer to pay {$100.00} a month? she said yes the lawyer said that there is nothing you can do but takeon eof the XXXX options I stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing the accuracy and validity of this account and requesting full debt validation. I have not received documentation confirming that I owe this debt or that the balance being reported is accurate. No original contract or complete payment history has been provided.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Account opened in XX/XX/year>, did the first direct deposit on XX/XX/XXXX, second on XX/XX/XXXX. Based on the term should receive XXXX XXXX  bonus before the XXXX of XXXX. I did not receive the bonus and called for help. They told me I have a negative balance so I do not qualify for the bonus, but I have not had any negative balance since the account opened.

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 2025-12-16 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: TX

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and XXXX furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request Dear sir/madam, This letter is sent in response to Jefferson Capital Systems LLC reporting and/or collection activity regarding the above-referenced account. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Please provide the following documentation : 1 ) Proof that Jefferson Capital Systems LLC is the lawful owner to this debt and has the legal right to collect.

2 ) The name and address of the original creditor.

3 ) A copy of the original signed contract or agreement bearing my signature.

4 ) A complete account history, including the date of default.

5 ) An itemized breakdown of the amount being reported.

6 ) Documentation showing the chain of assignment or sale of this debt to Jefferson Capital Systems LLC.

Until proper validation is provided, I dispute the accuracy of this account and request that all collection activity and credit reporting cease.

If you are unable to provide the requested documentation, I request that this account be removed from all consumer reporting agencies, including XXXX XXXX XXXX XXXX. 

This letter is not an acknowledgement of liability or responsibility of this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NC

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 non-monetary relief