vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute a collection account listed by IC SYSTEM for the amount of {$230.00}, which recently appeared on my credit report. I am completely baffled, as I have no recollection or prior notice of any debt owed to this company. This account is listed as being over XXXX XXXX XXXX and still marked open, yet I have never received a bill, phone call, letter, or even a heads-up that I supposedly owe this money. 

I have tried to trace the origin of this account, but there is no clear information or documentation supporting its validity. I attempted to contact IC SYSTEM directly but was unsuccessful in obtaining any meaningful clarification. At this point, this feels like a case of mistaken identity or a possible reporting error. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609, I am exercising my right to request a full validation of this debt, including the original creditor, a copy of the original contract or agreement bearing my signature, and proof that I am legally obligated to pay this alleged debt. Per FCRA Section 611, I am also requesting this item be investigated immediately and removed if found to be unverifiable, inaccurate, or invalid. 

Additionally, this account may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) if it was placed without my knowledge or without following the proper notice procedures. 

Until this matter is resolved with full transparency and lawful verification, I respectfully request the removal of this collection item from my credit report. If this debt can not be properly validated within the required time under federal law, it must be deleted.

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 2025-07-02 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: NC

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an llc and I applied for funds from Bank of America in XXXX CA and I was denied and they told me that I couldn't get the funds because of my credit report and score but I was later contacted by a manager who told me that the only reason I was denied was because I'm black and he stated that he and other colleagues were confused about the reason for the denial. he then said that my idea 's were to outside the box and I wouldn't get a loan in California and I should go out of state.

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 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agencies responded to me, saying that the items were confirmed and that the inquiry into these accounts was over. My credit report still has a number of errors, though. 

In accordance with 15 U.S.C. 1681i ( 7 ) concerning the Method of Verification, I have the right to comprehend the verification procedure that your organization employs. I want a thorough explanation of all the actions done to guarantee the authenticity of these contested items. 


My credit record still shows inconsistencies in spite of the investigations. I ask that these errors be taken off of my credit report right away.

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 2025-07-02 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: TX

Complaint narrative:
The credit reporting agencies responded to me, saying that the items were confirmed and that the inquiry into these accounts was over. My credit report still has a number of errors, though. 

In accordance with 15 U.S.C. 1681i ( 7 ) concerning the Method of Verification, I have the right to comprehend the verification procedure that your organization employs. I want a thorough explanation of all the actions done to guarantee the authenticity of these contested items. 


My credit record still shows inconsistencies in spite of the investigations. I ask that these errors be taken off of my credit report right away.

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 2025-07-02 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX Months  ago, my US bank credit card was used without my authorization. After this, they conducted their fraud investigation and determined that this was correct. They awarded me the lost money. 

After this, they did not report my credit card account to XXXX XXXX for XXXX months. Throughout these XXXX months, I attempted to contact them to request that they update my annual credit report with this information. I received no response, and had a XXXX  XXXX  of XXXX with XXXX XXXX for XXXX months due to this. This is case number XXXX with CFPB, which is attached to this next complaint as a reference. 

on XX/XX/XXXX, I noticed that my credit score was re-instated with XXXX XXXX due to the wonderful work of the CFPB. My Score was reinstated to XXXX. 

On XX/XX/XXXX, I attempted to use my credit card, which was denied. I attempted again on XX/XX/XXXX, which was denied again. I contacted US Bank to inquire why this was, because the card still showed as unlocked, and I had not been notified of anything regarding this card being locked. I was then informed that US Bank closed my whole credit account, without my knowledge, and that the card was no longer valid. 

I inquired why this was, which I was informed " We actually do not know why we did this ''. I was provided a phone number, which I was told was the only person who knew ( XXXX ) XXXX. I have contacted this person and have not received a reply. I was informed via this persons voice mail that they work in the fraud department. I have had XXXX cases of fraud, after my case 8 months ago which was resolved. 

Closing my credit card account, with no reason why, will affect my credit score yet again. US bank has put me through XXXX the last XXXX  months, so much so that I am looking into legal action is my account is not re-instated. I have spent XXXX months of my life dealing with their uninformed customer service reps, their lost managers, and their department who can only be contacted through FAX ( See attached case study for further info on this ). Closing my credit card appears to be out of spite from my last filing, which is morally wrong to do to a paying customer. 

US Bank, I need you to explain yourself. US bank, I need you to open my credit account back up, or explain to me why it is closed.

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 2025-07-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

SXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Urgent Request for Assistance Regarding Delayed Wire Recall Reference No. XXXX XXXX Dear CFPB Representative, I am writing to formally request your assistance regarding a prolonged and unresolved wire recall issue involving JPMorgan Chase Bank and XXXX XXXX  XXXX 

On XX/XX/XXXX, I initiated a wire transfer in the amount of {$40000.00} from my account at Chase ( Account XXXX. XXXX ) to a recipient account at XXXX XXXX. Unfortunately, this transaction was associated with a fraud incident, and I subsequently requested a recall of the wire in XX/XX/XXXX. The reference number for this case is XXXX XXXX. 

Since then, XXXX XXXX  has been waiting for a Hold Harmless Letter ( HHL ) from Chase to proceed with the refund. I have contacted Chase multiple times, and each time I was informed that the HHL has already been sent. However, XXXX XXXX  has consistently stated that they have not received the HHL to date. 

It has now been over six months, and despite repeated follow-ups with multiple departments at Chase, there has been no progress. XXXX XXXX  has specifically requested that the HHL be emailed directly to either : XXXX XXXX However, Chase has refused to send the letter via email, and no alternative solution has been provided. 

Given the prolonged delay, lack of communication, and the financial impact of this unresolved matter, I kindly request CFPBs help in urging Chase to send the requested Hold Harmless Letter to XXXX XXXX  promptly so the wire recall process can be completed. 

Please let me know if further documentation or clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am a victim of identity theft and Ive made police reports in the past regarding my claim. I want them remove from my Credit report profile as soon as possible. I am entitled to have fraudulent information blocked and deleted under15 U.S.C.1681c-2a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX L Date : 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 2025-07-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Date of Birth : XX/XX/XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX  XXXXXXXX XXXX XXXX BALANCE : {$4800.00}, XXXX XXXX  XXXX XXXX BALANCE {$3400.00}, XXXX XXXX BALANCE {$10000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: WI

Complaint narrative:
In accordance with the fair credit reporting act his creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-07-02 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: WI

Complaint narrative:
In accordance with the fair credit reporting act his creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CT

Complaint narrative:
5th attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : 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 Equifax, Transunion & Equifax Inaccurate address data that I am not associated with. 
Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting.

* 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting agency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate.

The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CT

Complaint narrative:
5th attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : 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 Equifax, Transunion & Equifax Inaccurate address data that I am not associated with. 
Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting.

* 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting agency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate.

The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and 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