vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I hold a Chase XXXX XXXX XXXX XXXX issued by Chase with a {$450.00} annual fee. In early 2025, I purchased a {$62000.00} cruise using this card. Due to emergency hospitalization, I was unable to travel and canceled the trip, incurring a loss of {$56000.00}. I filed a trip cancellation claim ( limit : {$20000.00} ) with XXXX XXXXXXXX XXXX, Chases benefit administrator. 
I submitted all required documentation under claim # XXXX. I was later told to consolidate it under # XXXX. In both cases, XXXX XXXXXXXX repeatedly issued form letters stating information was missing, despite confirming by phone that everything had been received. The claim was ultimately canceled. This appears to be a deliberate tactic to deny valid claims and avoid liability. 
I believe this behavior violates consumer protection standards. Chase and XXXX XXXX jointly brand this card, and their reputation is at risk. I request the CFPB to investigate and assist in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I contacted TransUnion about this account 4 time i had disputed it as not mine please send me proof of debt and they have not been able too. as of today the account is still on my credit file as all other credit reports have removed the account when I disputed the account.

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 2025-06-18 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: GA

Complaint narrative:
I am writing to formally dispute a late payment listed on my credit report for my Creditor : XXXX XXXX XXXX XXXX XXXX account account number : XXXX, dated : [ XX/XX/scrub> 2025 ]. 
I believe this late payment is incorrect and the result of a billing error.

As outlined in the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, inaccurate billing details provided by the creditor led to a delay in the payment. This issue has negatively affected my credit report, and I respectfully request that this matter be investigated.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a formal investigation into this late payment. Please verify its accuracy with the creditor. If it can not be verified or is found to be inaccurate, I request that it be removed from my credit report.

Please confirm receipt of this dispute within 5 business days and provide the results of your investigation within the 30-day period as required under the FCRA.

Thank you for your attention to this matter. I look forward to your timely response. 



Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XX/XX/XXXX, I took out a loan from XXXX with an original balance of approximately {$600.00}. The account is now reporting as charged off with a balance of {$1400.00}, which is more than double the original amount. I have not received any documentation explaining how this balance increased so significantly. 

In XX/XX/XXXX, the account status was marked as charged off, but the balance continued to update through XX/XX/XXXX. This appears inconsistent and inaccurate. I contacted the company to request a full breakdown and verification of the account, including any fees, interest, or penalties added. As of this complaint, I have received no response or supporting documentation. 

This unverified and inflated charge-off amount is harming my credit report, and I believe XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and verifiable reporting. 

Because the account remains unverifiable, and the balance and reporting are inaccurate and misleading, I am requesting the complete deletion of this account from my credit reports across all major bureaus.

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 2025-06-18 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: TN

Complaint narrative:
In XX/XX/XXXX, I took out a loan from XXXX with an original balance of approximately {$600.00}. The account is now reporting as charged off with a balance of {$1400.00}, which is more than double the original amount. I have not received any documentation explaining how this balance increased so significantly. 

In XX/XX/XXXX, the account status was marked as charged off, but the balance continued to update through XX/XX/XXXX. This appears inconsistent and inaccurate. I contacted the company to request a full breakdown and verification of the account, including any fees, interest, or penalties added. As of this complaint, I have received no response or supporting documentation. 

This unverified and inflated charge-off amount is harming my credit report, and I believe XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and verifiable reporting. 

Because the account remains unverifiable, and the balance and reporting are inaccurate and misleading, I am requesting the complete deletion of this account from my credit reports across all major bureaus.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In XX/XX/XXXX, I took out a loan from XXXX with an original balance of approximately {$600.00}. The account is now reporting as charged off with a balance of {$1400.00}, which is more than double the original amount. I have not received any documentation explaining how this balance increased so significantly. 

In XX/XX/XXXX, the account status was marked as charged off, but the balance continued to update through XX/XX/XXXX. This appears inconsistent and inaccurate. I contacted the company to request a full breakdown and verification of the account, including any fees, interest, or penalties added. As of this complaint, I have received no response or supporting documentation. 

This unverified and inflated charge-off amount is harming my credit report, and I believe XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and verifiable reporting. 

Because the account remains unverifiable, and the balance and reporting are inaccurate and misleading, I am requesting the complete deletion of this account from my credit reports across all major bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION 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 EXPERIAN 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 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 In accordance with the fair credit reporting act, has violated my rights.

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.

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 2025-06-18 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: PA

Complaint narrative:
I've sent Experian a dispute under FCRA 611 & 623 over a XXXX XXXX ( Acct # XXXX ). 
Its been over 30 days, and Experian still reports it without verification. 
Attach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Experian XXXX XXXX  XXXX XXXX, TX XXXX Re : File # : [ Your Experian ID ] Dispute under FCRA 611 & 623 Account : DriveTime/XXXX, Acct # XXXX To Whom It May Concern : I previously disputed this tradeline under FCRA 623 on XX/XX/year> and requested full verification from XXXX. It has now been over 30 days and you continue to report a repossession with a {$20000.00} balancewithout providing any proof.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : 1. Conduct a * * reasonable reinvestigation * * of this tradeline.

2. Furnish me with the * * written results * * of your reinvestigation and a * * corrected credit file * *.

3. * * Immediately delete * * this entry if XXXX fails to provide complete and accurate verification. 

Enclosed herewith : Copy of my original 623 dispute to Experian ( dated XX/XX/year> ) Copy of my 609 request to XXXX ( dated XX/XX/year> ) Screenshot of your After report showing you still list the repossession If you do not delete this tradeline or substantiate it with complete, recorded proof within 30 days of your receipt of this letter, I will : - File a formal complaint with the * * Consumer Financial Protection Bureau * * - Notify the * * Pennsylvania Attorney Generals * * Consumer Protection Division - Initiate a * * small-claims lawsuit * * against you for statutory damages, costs, and injunctive relief This is your last chance to correct the record. I expect written confirmation of deletion or proper verification by XX/XX/year>. 

Regards, [ signature ] 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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I sent out my disputes for identity theft had all the right information and once they removed capital one off they put it right back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NJ

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 reporting agency, 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} INQUIRIES : XXXX  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 2025-06-18 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 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 TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  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 2025-06-18 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I filed a dispute on XX/XX/2025 in the amount of {$3000.00} with XXXX XXXX  for the anccount not belonging to meidentity theftXXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. XXXX  violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for obtaining my credit report without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I have no account or credit relationship with this company, and I did not apply for credit or initiate any business transaction with them. They accessed my credit report without my knowledge or consent, which led to a drop in my credit score and contributed to the denial of employment opportunities.

I dispute that LVNV Funding had any legal right to obtain my report. They also have not produced a valid signed agreement or provided evidence that they own the debt they claim is mine. This credit inquiry and collection attempt was unauthorized and unlawful. 

I have raised this issue in a pending court case ( XXXX XXXX. XXXX, General XXXX  XXXX XXXX XXXX XXXX XXXX Virginia ) XXXX where I have filed a motion to dismiss and a counterclaim under the FCRA for actual and punitive damages.

I am requesting the CFPB to investigate and take action to prevent future abuse of consumer credit reports by this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Incorrect information on credit report / Poor customer service/ Denial of supervisor access I am submitting this complaint regarding inaccurate and potentially unlawful credit reporting by XXXX XXXX  and poor handling of my dispute attempts. 

I have been trying to resolve discrepancies on my credit report related to my XXXX XXXX XXXX account. I believe I was enrolled in a fixed payment or hardship program and made timely payments ; however, XXXX is reporting late payments that I believe are inaccurate. I no longer have access to my online account or historical statements and have made multiple requests to verify : Whether I was enrolled in a fixed payment or hardship plan My full payment history and dates The reason for any late payment reporting The method and timing of my payments Whether any payments were returned or misapplied On my most recent call to XXXX on XX/XX/scrub>/2025 at XXXX XXXX, I spoke with a representative named XXXX, who refused to connect me with a supervisor even after I clearly explained that I wanted to speak with a supervisor, he asked me why, I responded because I want to. He said my reason wasnt good enough, denied my right to escalation, and refused to take further action. I expressed my concern that I may not be speaking with a legitimate representative and that the issue remains unresolved.

I am requesting : 1. A full investigation of my accounts payment history 2. Verification and proof of any reported delinquencies 3. Documentation of whether I was enrolled in any payment plan 4. Correction of any inaccurate information being reported to the credit bureaus 5. All fees, interest, returned.

I want my credit report to reflect only accurate and verifiable data. This continued misreporting is damaging my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). Please help ensure this is thoroughly investigated and that the account is corrected or removed from my credit reports if it can not be fully verified.

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