vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was going to purchase a XXXX XXXX XXXX XXXX XXXX XXXX online and it was to be delivered to me in New York. On XXXX XX/XX/XXXX, I wired money to a Chase Bank account in XXXX, TX. On XXXX XX/XX/XXXX, when my vehicle wasn't delivered as promised by the company. I realized it was a scam. I contacted Chase Bank Fraud department, as was told that I am not on the account so they couldn't talk to me and refused to take any more information from me. I knew it was a scam and Chase Bank has refused any information I could give them to stop it. My bank, XXXX XXXX XXXX XXXX, reached out to XXXX XXXX XX/XX/XXXX and asked them to reverse the transaction. Chase Bank never replied to the message. XXXX XXXX XXXX XXXX set a follow-up message around XXXX XX/XX/XXXX. Chase Bank responded on XXXX XX/XX/XXXX. 15 days after being first contacted by me to stop the scam and 2 times by my bank. Since this has transpired, I have found the vehicle for sale back online and set the company up. The company sent me two different bank wire transfer instruction emails. Which I know it is a scam, so no money was sent this time, but both bank wire instructions went to 2 different Chase Bank accounts in 2 different states. I reached out to one of the Chase Bank branches that was identified to warn the manager that there was a scam account at their bank, to stop anyone else from being scammed. They have not reached back out and the teller I spoke with told me they can't speak to me. Chase Bank is complicate in the scam and assisting the scam artists, by not reacting to any information from my bank or myself with proof of everything. I have backed everything up as proof of what I am saying and that I am not just an upset customer that is unhappy with a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.

I am disputing the items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you conduct a reinvestigation and provide written documentation of the procedures used to verify these accounts and inquiries. If you are unable to verify their accuracy with complete and accurate documentation, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy. Continued reporting of inaccurate information represents a direct violation of 15 U.S.C. 1681b, as there is no permissible purpose for furnishing such data. 

Disputed Account XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681s-2 The reported dates, balance history, and payment status are inconsistent and unverifiable. If Equifax and the furnisher can not validate this account with complete documentation, it must be removed from my credit report under FCRA Section 611. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX These inquiries were not authorized, and there is no permissible purpose under FCRA Section 604 for their presence. If Equifax can not provide documented proof of authorization, they must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capitol Systems, LLC has been illegally garnishing my check as of XXXX this year. The debt is from a repossession for a XXXX XXXX in 2019. The debt was originally owed to XXXX XXXX XXXX. The debt was removed off my credit due to violating XXXX Laws illegally modifying to the amount owed. Jefferson Capital Systems , LLC bought my debt but Ive never signed any legal agreement with Jefferson Capitol Systems, LLC. Im being sued through the XXXX XXXX XXXX XXXX XXXX, Alabama even though I never owed nor agreed to XXXX, was properly served nor do they have possession of the property theyre suing me for. The Clerks office is currently holding {$2100.00} on the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

I have looked at my Equifax credit report and noticed some things are incomplete and not accurate. 

According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i ( 5 ) ( A ) the credit reporting agency is supposed to do this in regard to, ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, If, after any reinvestigation 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, and according to 15 USC 1681s-2 the credit reporting agency is not supposed to 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 explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the validity of the debt you claim I owe. I do not recognize this debt, nor did I authorize or approve it in any way. Therefore, I request that you provide full validation and documentation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, please provide : The name and address of the original creditor ; The exact amount of the alleged debt and a detailed breakdown of how it was calculated ; A copy of the original contract, agreement, or application bearing my signature ; Proof that I am legally obligated to pay this debt ; Any documentation indicating how this debt is connected to me ; The date of the alleged debt and last activity ; Proof that the debt is within the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( COMPLAINT # XXXX ) regarding inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain. This also applies to XXXX XXXX XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX Account # XXXXXXXX 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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
I purchased a new motorcycle from Harley davidson in XXXX of XXXX. In XXXX I contracted XXXX  and it tried to XXXX  me. XXXX had gotten into my XXXX, XXXX and XXXX. I had to XXXX  from being a XXXX XXXXXXXX due to health reasons. Now I'm XXXX  on a fixed income and because of the XXXX  affecting my XXXX  I have a hard time holding the motorcycle up. I have explained all that to harley davidson I've trying to sell the motorcycle. I'm not trying to XXXX anyone over. I have talked to harley davidson about doing a refinance their response, they don't refinance. I was paying {$460.00} a month I figured if they could refinance the loan for 6 years at {$200.00} a month I could make that payment. They weren't interested. On Friday XX/XX/XXXX I had a missed call from a lady named XXXX from Harley davidson financial that stated they had a deal for me and to contact her before XX/XX/XXXX. I tried calling her back that night no answer and no return call. Then on Tuesday she and a skip tracer that Harley davidson hired started calling friends and family that have nothing to do with the loan telling them they needed to speak with me. The lady XXXX told the people she called that she was from Harley davidson and the skip tracer just left messages. No one they contacted had anything to do with the loan. The people that the skip tracer contacted thought I was in trouble or hurt. The people that XXXX contacted were shocked they were contacted about a debt I had and they had nothing to do with. I have lived at the same address for 30 years, I have had the same phone number for 20 years. I never received a letter from Harley davidson financial about their intentions. It's sad when a company like Harley davidson is XXXX  over a XXXX veteran trying to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MO

Complaint narrative:
Dear [ Name of credit reporting company : Equifax or Experian or TransUnion ], XX/XX/XXXX $ XXXXClosed sold to another company Account XXXX XXXX account type collection .. acct # XXXX Status updated XX/XX/XXXX Disputing error [ s ] on credit report, Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Under the FCRA Laws my medical personal information ( HIPPA ) stolen from XXXX XXXX XXXX XXXX. XX/XX/XXXX : A breach exposed patient data after an outsider gained unauthorized access to some XXXX physician  emails. I'm am asking the it to be deleted from my account.

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 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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 writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any application for credit, services, or employment that would lawfully permit them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for a permissible purpose and with proper authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear CFPB : XXXX XXXX XXXX  : I am disputing the XXXXXXXX XXXX XXXX  XXXX Comenity Capital Bank , account ending in XXXX, alleged balance {$4800.00} ) as fraudulent and unauthorized. I never applied for, opened, or consented to this account. The only interaction I had was attending an initial free consultation at a local clinic. I did not receive, accept, or authorize any services or treatment, yet Comenity inexplicably issued and funded this account in my name without my knowledge or consent. This constitutes identity theft and fraudulent extension of credit.

The continued reporting of this account to XXXX XXXX and XXXX  is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681c-2 : Requires blocking of information resulting from identity theft when a consumer submits an identity theft report.

FCRA 1681s-2 ( b ) : Furnishers must correct or delete information that is inaccurate or unverifiable.

FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy in consumer reports.

I have provided an FTC Identity Theft Affidavit and supporting documentation as formal evidence that this account is fraudulent and unauthorized. No legally valid investigation or verification has been provided by Comenity Capital Bank to substantiate this alleged debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are not mine and may have been created using stolen information. I request a comprehensive investigation and that they be removed from my credit file. Documentation is included.

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 2025-09-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-26 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: TX

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 2025-09-27 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:
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
Consumer complaint received 2025-09-26 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: FL

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 2025-09-26 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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