vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XXXX XXXX XXXX JPMCB has committed gross, Egregious misconduct when Chase Bank has Put these charge off accounts back on my consumer report at : XXXX, XXXX, XXXX accounts ending in # XXXX, # XXXX, # XXXX under a fictitious address of XXXX XXXX XXXX XXXX XXXX XXXX, this address Identification number of XXXX. Please see document from XXXX report. Chase Bank did this just to add these charge off accounts back on my consumer report. JPMCB knows very well the only address that I have been Is corresponding with them with is at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please see documents from chase where thats the Address they have been writing back at. This company has committed Fraud in its purest form to put these Accounts back on my consumer report under a made up address in violation of my due process rights with the FCRA. Why not use the Address that I gave them on file?? I guess its Easier just broke the law. Issue two ; These accounts are invalid on its face where I have been incarcerated in the XXXX XXXX XXXXXXXX XXXX since XXXX, I have been a victim of Identity theft. Where someone used my personal information to open up these 3 accounts with JPMCB. Please see letter from Chase bank dated XXXX XXXX XXXX Ref : XXXX Which is submitted on record for review, the bulk of Chase Bank argument stems from checking Account ending in XXXX Which they state was the driven force of making the Accounts belong to me, denied my dispute. But in the same breath this is the same Executive officebon XX/XX/XXXX, XXXX in Ref : XXXX for checking Accounts # XXXX, # XXXX was disputed and ruled in my favor. Where JPMCB can't be talking out of both sides of its mouth. Please see attached letter from Chase bank. From this letter it shows that I was the victim, all payments on this accounts where not of my doing, more over chase bank knows it was reporting inaccurate information on each of these Accounts # XXXX balance {$2600.00}, # XXXX balance {$4800.00}, # XXXX balance {$1200.00}. All of these Accounts are reporting an over the credit limit which chase checking Account XXXX was the driven force of all payments where I have already been clear of these Accounts, but they still went out there way to report these Accounts on my consumer report, its sad that this company has went this far to make me be the owner of these Accounts. But I digress, pray that JPMCB do the right thing, clear my name or my next step will be to take legal actions in federal District court in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NC

Complaint narrative:
XXXX reported to Transuion, XXXX, and XXXX that all of my student loan accounts were delinquent on XX/XX/XXXX. My accounts are supposed to be in forbearance since XX/XX/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 2025-04-13 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: NC

Complaint narrative:
XXXX reported to XXXX, Equifax, and XXXX that all of my student loan accounts were delinquent on XX/XX/XXXX. My accounts are supposed to be in forbearance since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX reported to XXXX, XXXX, and Experian that all of my student loan accounts were delinquent on XX/XX/XXXX. My accounts are supposed to be in forbearance since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TrueAccord Corp.
State: MI

Complaint narrative:
On XX/XX/year> I sent a letter to the creditor to provide me with the information listed below : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The creditor received the letter by certified mail on XX/XX/year>. They have not responded to my request. 

Since they have not responded to my request in the 30 day time frame, I want this account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are several accounts that are inaccurate on my report. 
XXXX XXXX  XXXX {$1700.00} - not my account XXXX XXXXXXXX XXXX XXXX {$35000.00} - not my account 21 inquiries- no knowledge/permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: VA

Complaint narrative:
XX/XX/scrub>April 1, 2025 Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
I am a victim of XXXX XXXX and submitted a request for a credit block with all appropriate documentation on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating my case was closed due to Equifax requesting additional information via mail and not hearing from me, which is impossible as the case was not even open for XXXX hours. I uploaded and submitted all required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am following up on my initial complaint regarding my Citibank account, which has been frozen for nearly a month. I have not received any response from either the XXXX XXXX XXXX XXXX XXXX XXXX or the Consumer Financial Protection Bureau ( CFPB ) to date. 

Resolution Requested : Immediate Access to My Account I request that Citibank restore my online access to my account as soon as possible, or alternatively, reissue the card to allow me to access my funds.

Clear Communication I need clear communication from Citibank explaining why my account was frozen, what needs to be done to resolve the issue, and why there has been a delay in resolving this. 
Branch Visit Option If necessary, I am prepared to visit the nearest Citibank branch ( in XXXX ) to resolve this, but I prefer a resolution without requiring travel. 
If these resolutions are not met, I will pursue legal action through small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
I am a victim of identity theft. Pursuant to 15U.S.C.1681c2, I hereby demand that you block the fraudulent information identified below within XXXX ( XXXX ) business days of receiving this letter. 
Enclosed are my FTC IdentityTheft Report ( XXXX ) and a copy of the police report, both of which trigger your legal obligation to block the disputed data. 

Account to Be Blocked Field Experian Furnisher / Tradeline XXXX XXXX XXXX ) Partial Account # XXXX Balance {$1200.00} Date Opened XX/XX/XXXX MostRecent DateReported XX/XX/XXXX Status Collection / Chargeoff ( Derogatory ) Legal Basis for the Block 1. 15U.S.C.1681c2 ( a ) Upon receipt of a valid identitytheft report, a consumerreporting agency must block the disputed information within XXXX business days. 
XXXX. 15U.S.C.1681c2 ( c ) During the block, the agency may not rereport the information unless it later receives material information proving the accounts authenticity. 
XXXX. 15U.S.C.1681s2 ( a ) ( XXXX ) ( A ) Data furnishers are prohibited from reporting information they know, or should know, is inaccurate. To date, no signed contract proving liability has been produced. 
XXXX. 15U.S.C.1681e ( b ) Experian must employ reasonable procedures to ensure maximum possible accuracy ; the conflicting bureau data and lack of documentation violate that standard. 

Requested Resolution XXXX. Block the XXXX XXXX XXXX tradeline and any associated hard inquiries within XXXX ( XXXX ) business days. 
XXXX. Refrain from rereporting the tradeline for at least XXXX ( XXXX ) yearor permanentlyunless original, signed documentation validating the debt is obtained. 
XXXX. Provide written confirmation to the address above that the block has been applied and the information has been removed from my credit file. 

Notice of Intended Action Failure to comply will constitute willful and/or negligent noncompliance with the FCRA, entitling me to seek : * Statutory damages of up to {$1000.00} per violation ( 15U.S.C.1681n ) and actual damages ( 15U.S.C.1681o ) ; * Complaints filed with the FTC, and my State Attorney General; * Civil litigation for additional relief, including defamation and emotional distress. 

Thank you for your prompt attention to this matter. I expect your written confirmation within the timeframe prescribed by 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 2025-04-13 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: CA

Complaint narrative:
Under These Laws, My Rights Have Been Violated : 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete, and you are required to reinvestigate the matter within 30 days.

15 U.S.C. 1681c, any outdated negative items ( over 7 years or 10 years for bankruptcy ) must be removed.

15 U.S.C. 1681g, I am entitled to full disclosure of what is on my credit file and how it was sourced.

15 U.S.C. 1681s-2, furnishers of information have a duty to ensure that information is accurate and correct any inaccuracies. 

FTC REPORT : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I received a message from TD Bank stating my account has incurred a negative balance of {$1400.00} due to a bounced check that was written by my XXXX of {$1900.00}. Since then Ive been receiving notifications stating that my Checking account is currently overdrawn of {$1400.00}. I dont understand how come only a specific portion of the bounced check is currently in negative balance and not the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation