vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXXXXXX XXXX  regarding the mishandling of a due date change request, the misapplication of a promised late fee waiver, and the subsequent reporting of a past due balance that has negatively impacted my account. 

On XX/XX/year>, I contacted XXXXXXXX XXXX to request a change to my payment due date. I was informed by their representative that the due date change would take effect after two billing cycles, and that I would still be responsible for making payments on the original due date in the meantime. However, I was assured by the representative that I would be eligible for, and granted, a one-time late fee waiver under these circumstances. 

After making the payment late, I contacted XXXXXXXX XXXX again to request the promised waiver. At that time, I was informed that the waiver had been successfully applied and that the fee would be removed. 

Despite these assurances, the late fee was not removed, and my account was reported with a past due balance. Additionally, I am now being charged fees that are higher than usual, without justification. 

This series of events may constitute violations of several consumer protection regulations, including : 1. Regulation Z ( Truth in Lending Act - 12 CFR 1026 ) : XXXXXXXX XXXX failed to clearly disclose the terms and conditions regarding the late fee waiver and due date change, which may be misleading or deceptive.

2. Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681 ) : Reporting my account as past due after an agreement was made and allegedly honored constitutes inaccurate credit reporting. 

3. Dodd-Frank Wall Street Reform and Consumer Protection Act - UDAAP Provisions ( 12 U.S.C. 5531 ) : The bank 's practices may be deemed unfair or deceptive acts or practices ( UDAAP ), as they misrepresented the waiver and due date change, which resulted in financial harm to me. 

I respectfully request that the CFPB investigate this matter and assist in ensuring the following : Removal of the late fee in accordance with the promise made to me. 
Correction of any negative or inaccurate information reported to credit bureaus. 
Recalculation of any excessive or erroneous fees charged. 
Assurance that XXXXXXXX XXXX implements corrective measures to prevent this issue from recurring with other consumers. 

Thank you for your attention to this matter. I am happy to provide additional documentation or recordings of the calls if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Experian account was hacked a few months ago I placed multiple fraud alerts on there they changed a-lot of my personal information and I had a really hard time accessing the account again through Experian, they applied and inquired for credit cards, I called experian and had all information changed back to correct and informed them 2 credit cards that were on file that I had no knowledge of they removed one of the fraudulent cards and inquiries with the help of XXXX XXXX and experian but they did not remove the other card I have called the number for the company that is saying the account is mine and they have send me a letter in the mail confirming that it is not mine and they even stated on the phone that the card was sent to XXXX XXXX  XXXX XXXX pa an address which I never lived an address which also is linked to a person with a similar name as me I wish to dispute anything on my account or credit file from XXXX till now and I would like to get the credit card that says I owe over 2000 off my account and I would like to get all late and derogatory marks for this off my account my credit was good last XXXX from all this is has been poor ever since due to late payments and non payments as well as collections Ive attached pictures of the screenshots that I have of incorrect information from experian that someone changed that shows incorrect phone number and address. These pictures also show phone number that Ive never had my number has always been XXXX and I have always lived at XXXX XXXX XXXX XXXX pa XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
Re : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Experian, I am writing to formally notify you that I am a victim of a data breach, and as a result, several accounts on my credit report have been compromised. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am requesting that all accounts affected by this breach be immediately deleted and blocked from my credit report.

The following accounts have been falsely reported to your agency and must be blocked without delayas they are the direct result of identity theftand were never authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently openedusing my personal information, and I have attached all necessary supporting documentation ( such as my identity theft affidavit, police report, and any additional records you may require ). Failure to comply with FCRA Section 605Bis not only a violation of my rights under federal law but also exposes your agency to potential civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
__________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.

Shape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.

Shape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .

Shape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate information and accounts that do not belong to me. I have submitted multiple dispute requests regarding these discrepancies. I am formally requesting that all unverifiable and incorrect information be removed from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was misled into withdrawing funds and depositing them into a fraudulent account based on an impersonation of a Chase employee who had detailed knowledge of my account, sent spoofed messages, gave me fake temporary cards, and claimed this was part of a Chase investigation. I was instructed not to speak to bank staff under the guise of a compromised account. I did not authorize these transactions knowingly or willingly. The individual who contacted me identified himself as a Chase Fraud Department employee and used official-sounding language, including stating that 'this call may be recorded for quality and training purposes. ' He advised me not to share my passwords over the phone consistent with actual Chase policy and provided a Chase Employee ID when I asked for verification. All of these details led me to believe I was speaking to a legitimate Chase representative. I was contacted repeatedly by someone claiming to be from Chase Fraud Department, using exact Chase phone greetings, language, and communication protocols. They sent texts and placed calls that mirrored Chases real communication style and processes. They had access to my exact account information, led me to believe I was assisting in an internal investigation, and provided fake Chase Visa cards and PINs as part of this ruse. I now know this was a sophisticated scam involving impersonation of Chase employees and possible access to confidential customer data. I am requesting a full investigation and believe this qualifies as unauthorized fraud under Regulation E and potential identity theft. They had access to my entire online banking profile and Chase has barely given me any information about what has happened and what will happen with my funds. I was manipulated into accepting fraudulent Chase Visa cards with PINs as part of what I believed was an internal Chase investigation. I now understand this was a scam. The individual impersonated Chase and had access to my account info. I never authorized the creation of these cards or transfers made through them. 

In total I gave this individual {$32000.00}. 

I have never made a real true complaint until today XX/XX/2025.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing my credit report and seen inaccurate transactions. Someone was trying to my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: WA

Complaint narrative:
I am writing regarding the collection notices I have received from both XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for an alleged debt of {$1000.00} related to my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
I am formally disputing this debt for the following reasons : XXXX. I previously sent a detailed letter to XXXX XXXX XXXX on XX/XX/XXXX, requesting specific documentation regarding these charges, including itemization of all claimed fees and confirmation of the application of the purchase premium coverage I obtained at lease inception. 
XXXX. In response to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX letter requesting identity theft documentation, I want to clarify that I am not claiming identity theft. I am disputing the validity and calculation of the debt itself. 
XXXX. I have not received the detailed documentation I requested in my XX/XX/XXXX letter that would validate these charges. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and all applicable state consumer protection laws, I request the following : 1. Complete verification of the debt, including : Itemized statement of all fees being claimed Documentation showing how fees were calculated Confirmation regarding my purchase premium coverage and its application to the disposition fee Copies of all relevant lease documents showing the contractual basis for these charges Detailed account statement showing all payments and charges since lease termination 2. Immediate cessation of all collection activities while this dispute is being investigated. 
XXXX. Written confirmation that this account will not be reported to any credit bureaus during the investigation period. 
XXXX. The name and address of the original creditor, as the debt appears to have been transferred from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I expect a written response within 30 days addressing all points above. Until I receive proper verification of this debt, I consider it disputed in full. This letter serves as my formal dispute under the FDCPA and FCRA, and I expressly reserve all my rights under federal and state consumer protection laws. 
Please direct all future communication to me in writing at my address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: VT

Complaint narrative:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had XXXX late payments listed on the account XXXX XXXX XXXX, which I actually paid on time. 

Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. However, my credit report incorrectly reflects late payments for the following months : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I have attached a copy of my report to this complaint highlighting the dates in question. I am now requesting that you investigate this account and update these payments as paid on time immediately. 

Thank you for your understanding and prompt attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( TransUnion and XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance and Past Due : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : 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 non-monetary relief