vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I requested several times in XX/XX/year> and XX/XX/year> that JP Morgan provide information ( Name, Last XXXX digits of Account Number, and Financial Institution ) as to who received my money ( approximately {$1900.00} ) from my Chase Acct ending in XXXX in XX/XX/year> ( See CFPB Complaint XXXX ). 

The JP Morgan Customer Service Department then replied with a letter dated XX/XX/year>, via the CFPB portal and this letter mentions : " We confirmed that the funds went directly to the merchant, we can not give out information about the account the funds were sent to ... Our records show that when you contacted us to file a claim, you reported it as an unauthorized transaction but when you provided documentation to us, it showed that you canceled with the merchant ... '' I then replied to this letter on XX/XX/year>, via the CFPB Portal ( See CFPB Complaint XXXX ) with these follow up questions : " Are you not able to give out information about the account the funds were sent to because the funds were transferred to the account using debit card information? I ask because you do provide this information when I pay for something by check. XXXX booked me at another hotel and later cancelled the reservation because the merchant never responded to them either as evidenced by the documentation you reference above. Why are you acknowledging the evidence that I did not authorize this transaction to the merchant while at the same time not refunding my money? Furthermore, can you please confirm that you can not provide any account information whatsoever for this merchant despite having given them my money without my authorization? Lastly, why would you suggest that I continue to contact this merchant when they didnt respond to me or XXXX as evidenced by the documentation that you reference? '' I then received a follow-up call from JP Morgan Customer Service Department XXXX XX/XX/year>, informing me that the Claims ( Fraud ) Department didn't allow them to review the documentation they referenced in their letter dated XX/XX/year>, that was submitted to the CFPB Portal in response to my Complaint XXXX. 

Therefore, my follow-up question to JP Morgan is as follows : Why did the JP Morgan Customer Service Department post the letter dated XX/XX/year>, to the CFPB portal in response to CFPB Complaint XXXX if they arent allowed to review the documentation they reference in this letter? Wouldnt it make more sense for the JP Morgan Claims Department to have sent the letter directly to the CFPB portal in this case in order to ensure accuracy of the information they provide therein?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AZ

Complaint narrative:
I am the victim of fraudulent activity involving these accounts. I request their immediate deletion from my report and an investigation into their origin. Supporting paperwork is attached.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: IL

Complaint narrative:
On XX/XX/year> I sold my vehicle to XXXX the agreement was for them to pick the vehicle up up and provide me with a check. Well the picked vehicle up and no check was given. I reached out to them An they continued to give me the run around and Refused to return my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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
Consumer complaint received 2025-09-04 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: 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 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 2025-09-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 the victim of identity theft, and my credit file contains inaccurate and fraudulent information. 
This is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681i ) for immediate investigation, blocking, and removal of the following items : 1. Fraudulent/Negative Accounts Please delete the following accounts from my file, as they are fraudulent and not mine : Student Loan Negatives Depted / Nelnet {$2800.00} balance, XXXX days past due Depted / Nelnet {$5000.00} XXXX, XXXX days past due Depted / Nelnet [ XXXX account XXXX reporting XXXX days past due ] Consumer Finance Negatives XXXX. XXXX XXXX {$1000.00} balance, late payments XXXX. XXXX closed, XXXX days past due ( orig. {$1300.00} ) XXXX. XXXX closed, XXXX days past due ( orig. {$2000.00} ) XXXX / XXXX Negatives XXXX. XXXX XXXX {$0.00} balance, but XXXX & XXXX late history XXXX. AustinCapBk {$0.00} balance, negative history XXXX. Self / Lead {$0.00} balance, negative closure XXXX. XXXX XXXX {$0.00} balance, Experian negative Collections / XXXX XXXX. Pro Collect {$860.00} collection XXXX. Fraudulent Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Experian This address does not belong to me and is associated with fraudulent activity. It must be removed from all my credit files. 
Legal Basis FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block identity theftrelated information within 4 business days after receipt of identity theft documentation.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires deletion of disputed information that can not be verified as accurate. 
Enclosures XXXX. Copy of government-issued ID 2. 3. 4. Copy of Social Security card Proof of current address ( utility bill, lease, etc. ) FTC Identity Theft Report / Police Report I demand deletion of the above fraudulent accounts and removal of the fraudulent XXXX address. Please provide me with updated credit reports once the corrections are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 the victim of identity theft, and my credit file contains inaccurate and fraudulent information. 
This is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681i ) for immediate investigation, blocking, and removal of the following items : 1. Fraudulent/Negative Accounts Please delete the following accounts from my file, as they are fraudulent and not mine : Student Loan Negatives Depted / Nelnet {$2800.00} balance, XXXX days past due Depted / Nelnet {$5000.00} XXXX, XXXX days past due Depted / Nelnet [ XXXX account XXXX reporting XXXX days past due ] Consumer Finance Negatives XXXX. XXXX XXXX {$1000.00} balance, late payments XXXX. XXXX closed, XXXX days past due ( orig. {$1300.00} ) XXXX. XXXX closed, XXXX days past due ( orig. {$2000.00} ) XXXX / XXXX Negatives XXXX. XXXX XXXX {$0.00} balance, but XXXX & XXXX late history XXXX. AustinCapBk {$0.00} balance, negative history XXXX. Self / Lead {$0.00} balance, negative closure XXXX. XXXX XXXX {$0.00} balance, Experian negative Collections / XXXX XXXX. Pro Collect {$860.00} collection XXXX. Fraudulent Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Experian This address does not belong to me and is associated with fraudulent activity. It must be removed from all my credit files. 
Legal Basis FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block identity theftrelated information within 4 business days after receipt of identity theft documentation.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires deletion of disputed information that can not be verified as accurate. 
Enclosures XXXX. Copy of government-issued ID 2. 3. 4. Copy of Social Security card Proof of current address ( utility bill, lease, etc. ) FTC Identity Theft Report / Police Report I demand deletion of the above fraudulent accounts and removal of the fraudulent XXXX address. Please provide me with updated credit reports once the corrections are complete.

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 2025-09-04 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 have no relation to these accounts and suspect identity theft. Please investigate and remove them from my records. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of XXXX Credit Report Information Dear XXXX  XXXX XXXX, I am writing to formally dispute inaccurate information listed on my XXXX  credit report dated XX/XX/XXXX ( Confirmation # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), Section 611, I request an investigation into the following account ( XXXX ), as I believe the information is either inaccurate, incomplete, or unverifiable. 
Account ( XXXX ) in Dispute : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX o Reported balance : {$1900.00} o Status : Collection/Charge Off o Issue : I do not recognize this account and request validation. The account is reported with a first delinquency date of XX/XX/XXXX, but was allegedly opened on XX/XX/XXXX, which is inconsistent and inaccurate. 
XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX o Reported balance : {$17000.00} | Status : Charge Off / Repossession o Issue : The balance reported is inconsistent, showing different high credit and charge off amounts across multiple months. This account contains conflicting information and must be corrected or removed. 
XXXX XXXX XXXX ( XXXX  ) Account XXXX XXXX  XXXX o Reported balance : {$510.00} | Status : Unpaid Collection o Issue : This account duplicates prior Progressive information already reported with XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, marked Paid ). Reporting duplicate collections for the same original debt is inaccurate. 
XXXX. XXXX XXXX XXXX Acct XXXX XXXX  XXXX o Balance : {$15000.00} | Status : Charge Off o Dispute : Account reporting is incomplete and unverifiable. I dispute its accuracy. 
Requested Action : Please conduct a reinvestigation of the above accounts. 
If the furnisher can not verify the accuracy with proper documentation, I request that the disputed items be corrected or deleted from my credit file in compliance with the FCRA. 
Attached are copies of my identification ( drivers license ) to assist in verifying my identity. 
Please provide me with written confirmation of the results of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear XXXX XXXX XXXX, I am writing to formally dispute inaccurate information listed on my XXXX credit report dated XX/XX/XXXX ( Confirmation # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), Section 611, I request an investigation into the following account ( s ), as I believe the information is either inaccurate, incomplete, or unverifiable. 
Account ( XXXX ) in Dispute : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX o Reported balance : {$1900.00} o Status : Collection/Charge Off o Issue : I do not recognize this account and request validation. The account is reported with a first delinquency date of XX/XX/XXXX, but was allegedly opened on XX/XX/XXXX, which is inconsistent and inaccurate. 
XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX o Reported balance : {$17000.00} | Status : Charge Off / Repossession o Issue : The balance reported is inconsistent, showing different high credit and charge off amounts across multiple months. This account contains conflicting information and must be corrected or removed. 
XXXX XXXX XXXX ( XXXX ) Account XXXX XXXX XXXXXXXX o Reported balance : {$510.00} | Status : Unpaid Collection o Issue : This account duplicates prior Progressive information already reported with XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, marked Paid ). Reporting duplicate collections for the same original debt is inaccurate. 
XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX o Balance : {$15000.00} | Status : Charge Off o Dispute : Account reporting is incomplete and unverifiable. I dispute its accuracy. 
Requested XXXX : Please conduct a reinvestigation of the above accounts. 
If the furnisher can not verify the accuracy with proper documentation, I request that the disputed items be corrected or deleted from my credit file in compliance with the FCRA. 
Attached are copies of my identification ( drivers license ) to assist in verifying my identity. 
Please provide me with written confirmation of the results of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, 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