vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Additional Information for CFPB Review Claim No. XXXX I am submitting the attached portal-generated record from the Chase Card Benefits claims system, which reflects all documents submitted for Purchase Protection Claim No. XXXX, including submission dates. 

As shown in the attached record, I have provided all required documentation, including proof of purchase, billing statements, police report, and supplemental information. Several documents have been submitted more than once in response to repeated requests. 

This information is provided to assist the XXXX in confirming that my file is complete and that the ongoing lack of resolution appears to relate to claim handling and document management rather than any failure to provide requested materials.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
Today I contacted Lockhart Morris and Montgomery for account number ending XXXX on my credit report an amount of XXXX. The date they have on the report is different with all three credit bureaus, XXXX XXXX XXXX XXXX. Also I contacted the above and they told me it was inaccurate and if I paid them XXXX dollars they send the dispute letters for me. That is where I received the information. 
XXXX XXXX XXXX XXXX last XXXX XXXX Disputed Item : Inaccurate date opened. 

Requested Action : Reinvestigate the account Verify documentation for the opening date Correct or delete the account if the furnisher can not validate it Please send written results after the reinvestigation is completed. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This correspondence serves as my official notice disputing the accounts listed. I have no connection to these accounts and did not approve their creation. I respectfully request their deletion and a detailed review. Documentation 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 2025-12-09 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records 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 2025-12-09 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: MA

Complaint narrative:
A fraudulent XXXX XXXXllection account, reported by XXXX XXXX XXXX XXXX XXXX on my Experian credit report even though I never opened, authorized, or used any XXXX XXXXunt. This is the result of identity theft. 

I obtained an FTC Identity Theft Report on XX/XX/year> confirming that this account is fraudulent. The reported balance is incorrect and does not belong to me. I did not receive any services, did not apply for this account, and did not give anyone permission to use my information. 

Under FCRA 15 USC 1681c-2, I am requesting the immediate blocking and permanent deletion of this fraudulent collection. I have submitted a signed affidavit of identity theft along with my FTC report to support this request. 

I am asking Experian and XXXX XXXX XXXX to remove this account, stop all reporting, and provide written confirmation that the account has been 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Dave Operating, LLC
State: OH

Complaint narrative:
XX/XX/year> I went to do a mobile deposit. The check was " rejected. '' I had already wrote void in big letters across the check so I had to take my college refund check back to the school to have it reissued Yesterday, I followed up with my college about the new check only to find out the can't reissue it because it has been cashed. It wasn't possible to attempt to cash the check with anyone else after I wrote void on the check. My college printed a copy of the cashed check ( picture included ) and told me they either kept the funds, someone stole my check possibly via data breech, or they deposited the money in another account. I included the rejected check from Dave, my activity log for those days, the copy of the cashed check, ect. The picture of the cashed check is the same exact signature as mine and the same exact photo as the rejected check. I contacted the bank and they insisted they never cashed it. They sent me an email confirmation saying they didn't. Also picture included. I went to the police department to file a report and they're in the process of getting warrants to investigate whose bank is printed on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 implore you to promptly address this discrepancy on my credit report. I XXXX that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
I am submitting this complaint regarding inconsistent and conflicting information being reported by TransUnion, Equifax, and Experian on the same XXXX account, listed as XXXXXX/XX/XXXX with a reported balance of {$910.00}. While reviewing my credit reports, I discovered that TransUnion shows a Date of Last Activity of XX/XX/year> and a Date Reported of XX/XX/year>, whereas Equifax lists the Date of Last Activity as XX/XX/year> and the Date Reported as XX/XX/year> for the exact same account. Experian, however, reports a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and shows the account as 30 and 60 days late, which does not match the dates or activity displayed on the other two credit reports. These discrepancies create a conflicting and confusing representation of my credit history and do not match the records I have maintained for my personal finances. I carefully reviewed my statements, prior communications, and payment logs to understand whether any of these reported dates corresponded to actual activity, and I could not identify any transactions or events that justify three separate reporting timelines for one account. The inconsistent information affects the accuracy of my credit profile, and because each bureau is reporting different dates, statuses, and timelines, I am unable to determine which information if any is being reported correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
I am submitting this complaint regarding inconsistent and conflicting information being reported by TransUnion, Equifax, and Experian on the same XXXX account, listed as XXXXXX/XX/XXXX with a reported balance of {$910.00}. While reviewing my credit reports, I discovered that TransUnion shows a Date of Last Activity of XX/XX/year> and a Date Reported of XX/XX/year>, whereas Equifax lists the Date of Last Activity as XX/XX/year> and the Date Reported as XX/XX/year> for the exact same account. Experian, however, reports a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and shows the account as 30 and 60 days late, which does not match the dates or activity displayed on the other two credit reports. These discrepancies create a conflicting and confusing representation of my credit history and do not match the records I have maintained for my personal finances. I carefully reviewed my statements, prior communications, and payment logs to understand whether any of these reported dates corresponded to actual activity, and I could not identify any transactions or events that justify three separate reporting timelines for one account. The inconsistent information affects the accuracy of my credit profile, and because each bureau is reporting different dates, statuses, and timelines, I am unable to determine which information if any is being reported correctly.

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 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
I authorize this complaint to be published in the CFPB public Consumer Complaint Database. 

After my original CFPB complaint was forwarded to Portfolio Recovery Associates ( PRA ), I submitted proof that the alleged debt is not mine and that I do not owe any collections. 

Despite this, PRA continued contacting me. They called me again on XX/XX/year> at XXXXXXXX XXXX, which woke me up. They consistently use different phone numbers, making it impossible for me to block them. I have formally requested that they stop calling me and permanently delete my personal information, but PRA has not honored this request. 

This continued contact after ( XXXX ) being notified the debt is not mine, and ( XXXX ) after a formal CFPB complaint, is extremely concerning. Their ongoing calls feel like harassment and appear to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits continued communication after a consumer disputes the debt. 

I am submitting this public update to document PRAs repeated failure to stop contacting me and to request additional CFPB review of their conduct. I am asking for : XXXX. Permanent deletion of my personal information XXXX. Confirmation that the alleged debt is not associated with me XXXX. Immediate cessation of all communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I discovered multiple hard credit inquiries on my TransUnion credit report that I did not authorize, request, or initiate. These inquiries were made without my knowledge or consent and were conducted with no permissible purpose under the Fair Credit Reporting Act ( FCRA ).

The companies involved obtained my credit report unlawfully, violating FCRA 604 ( a ) ( 2 ) and 604 ( f ), which prohibit accessing a consumer report without a legally permissible purpose or without the consumers authorization. These unauthorized inquiries occurred on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These inquiries are causing harm to my credit profile, decreasing my creditworthiness, and exposing me to additional risk. I never applied for credit with these companies and never provided written or verbal authorization for them to access my TransUnion file. 

I am requesting proper reinvestigation because these inquiries are inaccurate, unauthorized, and legally impermissible.

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 2025-12-09 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: TX

Complaint narrative:
my idenity has been stolen i am being phyically harmed threw smart devices any account ive had r own has been taken over all XXXX credit berus are ignoring me ive had backruptcy on my credit report loans grants refinace my reprts are being edited i cant do nothing im my phone everything gets edited this is coming from someone in the goverment i see it in my phone the logins every time i call the credit i get ask stuff i never heard of down to my mothers middle name being changed this has become a very dangers issue for me n my family my grandkids are suffering anyone around me im crying out for help ive tried to dispute some of the things i see in the reports i never get an answer i cant even see my credit reports ony hacked phone a hacker is not going to go to the point of messing with my wifi n all device in my home setting up cameras in my home im not that important i know to much and has seen to much and XXXX trying to be stop i never get thr reports that so call get sent money is being taken from me then all evidence in my phone being edited

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am filing a complaint regarding an IC System account that is being inaccurately reported on my XXXX XXXX XXXX XXXX credit file. The account contains multiple factual errors, including future dates and impossible reporting timelines, which violate the Fair Credit Reporting Act ( FCRA ) accuracy requirements under 15 U.S.C. 1681e ( b ).

The account is being reported with a dual status of Collection / Charge-Off. An account can not simultaneously be in collections and charged off. This violates Metro 2 reporting standards and results in misleading, inconsistent information.

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 2025-12-09 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: TX

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

Company 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 2025-12-09 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: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 implore you to promptly address this discrepancy on my credit report. I XXXX that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ater my vehicle was repossessed on XX/XX/XXXX, I redeemed it by making the required payment to the lender the very next day.. Subsequently, I entered into a new payment agreement that replaced the original XX/XX/XXXX contract. This updated agreement established a new monthly payment amount of {$750.00}, replacing the original amount of {$430.00}. Despite this, my TransUnion credit file still reflects the original payment terms. I have paid on time every month since the repossession.

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 2025-12-09 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:
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 explanation