vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
There are several balances listed and being reported on my chexsystems report that were charged off and should have been removed because of the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # : XXXX, XXXX XXXX XXXX Missouri XXXX This discharge was sent to chexsytems and banks that reported it. It should have been removed or at least cleared and balances should not be showing as owed.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for repeated and unjustified denials of my applications for credit, despite my long-standing, excellent customer history with them. I have spent over {$10000.00} in purchases through XXXX over time, have consistently met my obligations, and have demonstrated creditworthiness. 
On the most recent occasion, XXXX  denied my application without providing a valid or detailed reason, in violation of : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which prohibits creditors from discriminating or arbitrarily denying credit without a legitimate basis.

Regulation B, 12 C.F.R. 1002.9, requiring timely and specific adverse action notices, including the principal reason ( s ) for the credit denial.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m, requiring clear disclosure of any consumer reporting agency used in making the decision, and the right to dispute inaccurate information. 
XXXX refusal to extend credit appears to be a pattern of deceptive and retaliatory tactics, which is especially concerning given my payment history and lack of any legitimate risk factors. The repeated denials, without any substantive explanation or opportunity to correct alleged issues, are effectively blacklisting me from future credit with them despite my proven record. 
This has caused : Loss of financial opportunity Unjustified harm to my consumer profile Frustration and disruption to planned purchases

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
This debt does not belong to me and may be the result of an error or identity theft. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Cease all collection activities until you provide complete validation of this debt. 

Provide all supporting documentation, including any signed contract or agreement bearing my signature that proves I am legally responsible for this loan. 

If you can not provide proof that this account is valid and belongs to me, you must immediately remove it from your records and notify all credit reporting agencies to delete it from my credit file. 

I have never had any dealings with RECEIVABLE MANAGEMENT SE, and the continued reporting of this account is causing harm to my credit profile and personal reputation.

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 2025-08-10 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fig Tech Inc.
State: GA

Complaint narrative:
Accounts were updated but never removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After 9 disputes, the furnisher and CRAs have proven one thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced Metro 2s technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data.

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits. 

This isnt a mistakeits willful, harmful, and unlawful.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax  XXXX XXXX XXXX XXXX, GA. XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : FTC Identity Theft Affidavit Request for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am writing pursuant to my FTC Identity Theft Affidavit to formally dispute and demand the immediate deletion of the following fraudulent accounts from my Experian, Equifax, and TransUnion credit reports : Regional Acceptance {$15000.00} XXXX XXXX XXXX  {$890.00} XXXX {$660.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} I recently learned that my identity was stolen, and the perpetrator fraudulently obtained credit, goods, and services in my name, including a credit card, a cell phone, insurance, and an apartment. These accounts were opened without my knowledge, authorization, or consent. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, and 1681s-2, you are required to block and delete all information resulting from identity theft within 4 business days of receiving proof of my identity theft report. Under the Fair Debt Collection Practices Act ( FDCPA ), any attempt to collect on fraudulent debt is prohibited. 

Furthermore, based on my research, my personal information was part of both the Equifax Data Breach and the National Public Data Breach, which further substantiates that I am a victim of identity theft. 

I have enclosed copies of my FTC Identity Theft Affidavit, police report, and proof of identification. Please provide written confirmation once these accounts have been permanently deleted from my credit file. 

Failure to comply will result in my filing formal complaints with the CFPB, FTC, and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax  XXXX XXXX XXXX XXXX, GA. XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : FTC Identity Theft Affidavit Request for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am writing pursuant to my FTC Identity Theft Affidavit to formally dispute and demand the immediate deletion of the following fraudulent accounts from my Experian, Equifax, and TransUnion credit reports : Regional Acceptance {$15000.00} XXXX XXXX XXXX  {$890.00} XXXX {$660.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} I recently learned that my identity was stolen, and the perpetrator fraudulently obtained credit, goods, and services in my name, including a credit card, a cell phone, insurance, and an apartment. These accounts were opened without my knowledge, authorization, or consent. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, and 1681s-2, you are required to block and delete all information resulting from identity theft within 4 business days of receiving proof of my identity theft report. Under the Fair Debt Collection Practices Act ( FDCPA ), any attempt to collect on fraudulent debt is prohibited. 

Furthermore, based on my research, my personal information was part of both the Equifax Data Breach and the National Public Data Breach, which further substantiates that I am a victim of identity theft. 

I have enclosed copies of my FTC Identity Theft Affidavit, police report, and proof of identification. Please provide written confirmation once these accounts have been permanently deleted from my credit file. 

Failure to comply will result in my filing formal complaints with the CFPB, FTC, and my State Attorney Generals office. 

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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company is harassing me refuses to remove a a negative item on my credit file Due to a two data breaches one from XXXX XXXX XXXX XXXX  I won a lawsuit I was issued a check from XXXX XXXX  please rectify immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hello, Made an ACH / Electronic payment on XX/XX/XXXX, posted XX/XX/XXXX for {$1000.00}. Was attempting to use my credit card on vacation so I wouldn't carry that much cash and I see the amount has posted to my principal balance fine but the available credit is still not reflecting payment. Called PayPal Mastercard and was told that there is a temporary hold on this payment. Again, this has to be a violation of some kind under Reg Z and/or check 21 practices since this was an Electronic Payment from a bank to a bank. Funds should be available within a given 3 day time frame at the most given weekend and holiday posting times. Can something be done about this? Am I entitled to further compensation due to this violation?

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems for violations of the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ). 

Jefferson Capital Systems is attempting to collect a debt allegedly owed to the original creditor XXXX The reported balance is {$1300.00}. I believe the company has engaged in unfair or unlawful practices, including but not limited to : Failing to provide proper debt validation when requested. 
Continuing to contact me after I requested they cease communication. 
Reporting inaccurate or unverified information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$390.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
Summary : Complaint Regarding Unfair Forfeiture of Chase XXXX XXXX  XXXX  Without Proper Disclosure To the Consumer Financial Protection Bureau, I am filing this complaint regarding JPMorgan Chase Bank , N.A . for the forfeiture of my Chase XXXX XXXX XXXX following the closure of my Chase Sapphire Reserve account, without adequate disclosure of this consequence at the time of account closure. 

Background XXXX. I closed my Chase Sapphire Reserve account in XX/XX/XXXX. At the time, I had XXXX XXXX Rewards points, worth approximately {$1000.00}. 
XXXX. During the account closure call, the Chase representative did not inform me that my points would expire in 30 days if not redeemed or transferred. Had I been told, I would have immediately redeemed or moved the points to another Chase card. 
XXXX. In XX/XX/XXXX, I logged in intending to use my points and discovered my balance was XXXX. 
XXXX. On XX/XX/XXXX, I called Chase Customer Support and spoke with XXXX ( potentially mispelled ), who confirmed that the representative who closed my account should have disclosed this expiration policy. She acknowledged this disclosure was not made, but stated she could not reinstate my points. Instead, she offered only to file an internal process improvement ticket for future customers. 

Why This Is a Problem XXXX. The forfeiture of over {$1000.00} in earned rewards without notice constitutes an unfair business practice and a failure to disclose a material term at a critical momentthe point of account closure. 
XXXX. The loss was entirely avoidable had I been given the required information. The banks own representative confirmed the omission and indicated it was contrary to proper procedure. 
XXXX. I have been a loyal Chase customer for over 10 years as a Chase Sapphire Reserve cardholder ( from XX/XX/XXXX to XX/XX/XXXX ) and remain a current Chase customer via my XXXX XXXX XXXX. 

Requested Resolution I am requesting that Chase : XXXX. Reinstate the forfeited XXXX XXXX Rewards points, or XXXX. Provide equivalent monetary compensation of {$1000.00}, reflecting the cash value of the points at the time of forfeiture. 

Given that the forfeiture resulted directly from the banks failure to disclose a material term, I believe this is a reasonable and fair resolution. 

Sincerely, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
A very close family member was in a car accident on XX/XX/XXXX and ended up passing within 2 weeks so I was consumed with that situation. Then we also had some close family friends that lost some family members in the Texas floods in XXXX- we helped them for almost 2 weeks. 

Due to these catastrophic circumstances, I was late on my TJX bill that was due XX/XX/XXXX. I paid my bill on XX/XX/XXXX. TJX charged me some late fees but they graciously agreed to waive them for me. That is not my complaint. 

When I went online to look at my statement, it told me that there were no statements available to me. I called and asked them why I couldn't see my statements online. I could only see the final amount of what they said I owed ( which included fees that did NOT reflect the fees they agreed to waive ). Again, I asked why I couldn't see the statements online. They said it was because I was behind on my payment ( which after they credit the account, I was NOT behind ). 

So it basically seems like they are NOT allowing customers to see their statements to get an itemized bill- they are ONLY allowing the customers to see the amount that they want the customer to pay. Why are they allowed to withhold a customer statement even if the customer is behind on their payment? Is that legal for them to withhold customers ' statements for any reason?

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