vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have been working to remove these debt collector inaccuracies from my report for XXXX XXXX XXXX XXXX XXXX XXXX and they do not research. They say the debt is accurate without showing any proof or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint to formally request the removal of a closed account reported by XXXX XXXX XXXX  ( Account ending in XXXXXXXX XXXX XXXX  ) from my credit report. 

This account is no longer active, has been closed, and contains multiple late payment marks that are having a negative impact on my credit profile. I believe that maintaining a closed account with derogatory marks on my credit file is unfair and unhelpful, especially since I am actively working to improve and maintain a positive credit history. 

I am respectfully requesting that this account be deleted entirely from my credit report, as it does not reflect my current financial standing and continues to hinder my ability to qualify for fair credit opportunities. 

Thank you for your time and for assisting in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-complianc
e.

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 2025-06-24 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-complianc
e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-06-24 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: MD

Complaint narrative:
Upon reviewing my Consumer Reports, I found some instances of late payments on several accounts for which I have always made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and this information must be reported with the highest accuracy. I have never missed a payment on the accounts listed below. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you can not provide such proof, I demand that these payments be promptly corrected to reflect their true on-time status, as I have consistently met my payment obligations without delay. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} Late Payments : XXXX, XXXX, XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} Late Payments : 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 non-monetary relief
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-06-24 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:
To whom it may concern i have been a victim of identity theft.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint against JPMCB Card Services ( Chase ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) relating to three charge-off accounts they continue to report to the credit bureaus.

On XX/XX/year>, I sent Chase a formal dispute and request for verification regarding three accounts they have reported under the following balances : {$6000.00} ( Acct ending in XXXX ) {$6100.00} ( Acct ending in XXXX ) {$18000.00} ( Acct ending in XXXX ) In that letter, I specifically requested : Signed agreements or account contracts Full payment and charge-off history Proof of current ownership or servicing rights Evidence of compliance with reporting laws On XX/XX/year>, Chase responded with three generic form letters stating our reporting is accurate, but provided no documentation, no validation, and no investigation findings. This violates : FCRA 611 ( a ) failure to conduct a reasonable investigation FCRA 607 ( b ) failure to ensure maximum possible accuracy Notably, Chases XX/XX/XXXX response shows the actual balances they claim are owed as : {$6000.00} ( XXXX ) {$6100.00} ( XXXX ) {$18000.00} ( XXXX ) These amounts do not match what is currently being reported by the credit bureaus ( e.g., XXXX  reports them as {$6000.00}, {$6100.00}, and {$18000.00} ). Even small discrepancies like these violate the maximum possible accuracy requirement of FCRA 607 ( b ) and show a failure to reconcile data before furnishing. 
Furthermore, Chase has continued furnishing data to XXXX  without marking the accounts as disputed, despite having received my written dispute nearly 30 days ago. This is a violation of : FCRA 623 ( a ) ( 3 ) failure to indicate disputed status when furnishing information As of XX/XX/year>, XXXX  reports ( via XXXX XXXX ) confirm that none of the three accounts are marked as disputed. 
I have also filed formal complaints with other regulatory authorities citing the same violations of the Fair Credit Reporting Act. Chases conduct demonstrates a consistent pattern of noncompliance and failure to conduct meaningful investigations. I respectfully request the immediate deletion of these unverified accounts and full accountability through all available regulatory channels. 
I am now suffering ongoing damage due to Chases continued furnishing of unverified, inaccurate, and legally non-compliant information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Ever since I purchased this home in XX/XX/XXXX my mortgage loan only covers mortgage not the home insurance and not the property tax I pay those separate, I have home insurance which is {$950.00} more less per year of which I pay on XXXX of each year which covers the whole year. Last year when up to {$4200.00} its because was declared as wild fire hazard. On XX/XX/XXXXXXXX  i paid home insurance in full and it will begin XX/XX/XXXX till XX/XX/XXXX. In XX/XX/XXXX I received a letter from my mortgage lender saying that I need a home insurance with that letter there was a link to load copy of the home insurance, and of course I did. In XXXX of XXXX  I received the same letter again, and again I loaded the insurance info. In XX/XX/XXXXXXXX  again same letter, and again I faxed it and loaded through the link. In XX/XX/XXXXXXXX  happened again, I called my lender and explained to them the situation, after long wait finally they gave me a private email address to send the home insurance documents, in few minutes they verified that they received it. The XX/XX/XXXXXXXX  loan statement I notice my payment went over about {$650.00}. since then I've on the phone with my lender about this issuer my payment keeps increasing due to not having home insurance.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Within the PayPal website ( Paypal Mastercard connected to Synchrony Bank ) I tried using my credit card rewards to pay for an account but due to a bug in the Paypal account, the reward points wouldn't pay for the balance.

Then when a bank transfer failed due to requesting the full credit being charged ( the reward points having not been applied ) I went ahead and corrected by making an additional payment. However, 1 month later, they proceeded to close my account and forfeited all my reward points without prior warning. 

I would like to have the reward points given back to me since there was an error on the account that prevented me from using them for several months ( it would say " please try again or call '' I was under the presumption that the bug would be resolved and did not realize my account would close suddenly and forfeit my accumulated rewards before I could use them.

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 monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXXXXXX  To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Request for Blocking of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear TransUnion, I am writing to formally dispute several accounts listed on my TransUnion credit report that were fraudulently opened in my name. As a victim of identity theft, I am requesting the immediate blocking and removal of these items under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

These accounts were opened or reported without my knowledge or consent and are not my responsibility. Under this federal law, you are required to block the information within four ( 4 ) business days of receiving proper documentation. 

Fraudulent Accounts to Be Blocked : XXXX XXXX Charged-off {$590.00} 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 Collections Multiple disputed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off XXXX XXXX Loans Multiple delinquencies ( 120150+ days ) Enclosed Supporting Documents : FTC Identity Theft Report ( www.identitytheft.gov ) Government-issued photo ID Copy of Social Security card ( SSN ending in XXXX ) Proof of address ( utility bill or lease ) In accordance with 15 U.S.C . 1681c-2, a police report is not required when a valid FTC Identity Theft Report is submitted. I request the following : Block and permanently remove all listed fraudulent items Notify all furnishers of these items of the block Provide written confirmation once the block is completed Failure to comply with this request within 4 business days will result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

Thank you for your prompt cooperation. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXXXXXX  SSN : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : 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 2025-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent money to the accounts of XXXX XXXX ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. The amounts sent were {$110.00} for XXXX and {$160.00} for XXXX. XXXX sent me a text from the number ( XXXX ) XXXX saying that all of my payments were refunded and would take 2-3 days to get back into my account. It is now XX/XX/XXXX and I have not received the money, and the people I sent the money to do not have it in their account. I have contacted Chase Banking on XX/XX/XXXX to ask when the refunds would be issued, but they claim that there have been no sign of credits on those days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING Account number : XXXXXXXX XXXX XXXX XXXX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Dear LVNV FUNDING, I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation