vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have tried to communicate with the " '' '' '' '' executive office '' '' '' '' at JP MORGAN Chase but they can not provide a competent reply. 

I have asked for a summary of late fees charged, and when late fees were refunded, and what exactly is due on my account.

Instead I received a reply to a complaint saying the late fee is valid I think the executive office and the people they outsource support to need to go back to JPM training school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: WA

Complaint narrative:
I discovered that a XXXX XXXX account with a {$120.00} balance and charge-off status was reported on my credit file without my knowledge or consent. I did not open or authorize this account and have no relationship with XXXX XXXX. 

I submitted a formal dispute to the credit bureaus, including my FTC Identity Theft Report, government-issued ID, Social Security card XXXX and proof of address. Despite providing complete documentation, the bureaus failed to remove or block the account as required under the Fair Credit Reporting Act ( FCRA 605B ). 

This fraudulent account is damaging my credit and was not verified with any proof of my responsibility. I request full deletion of this account and any related inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TriVerity, Inc.
State: MN

Complaint narrative:
I keep receiving phone calls and letters of harassment from TriVerity , Inc., collection agency for a debt I dont owe and is the result of Identity Theft. The following debt from TriVerity , Inc., is not my debt and is the result of Identity Theft : XXXX XXXX XXXX XXXX, Account Number : XXXX, Reference Number : XXXX, {$1600.00}, The account is a fraudulent account and is the result of Identity Theft. I dont any debt to XXXX XXXX XXXX XXXX . TriVerity is in violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law for phone calls of harassment, profane and obscene language and behavior and letters of harassment received via USPS mail. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my card was charged for the amount of {$380.00} at XXXX in XXXX XXXX, CA. I did not use my card to make this purchase nor authorize anyone to do it. And thus, I went online to report and dispute the transaction. After that, the bank closed my old account and sent me a new card plus I received a conditional credit in my account. However, I just got a letter today with final decision from the bank about my claim. It said that the bank found evidences I used the card to make the purchase. Therefore, Ill have to pay the amount owed and the bank will forfeit the temporary credit. XXXX, Im so disappointed because I truly didnt authorize that transaction. As one of the good loyal customers of Bank of America, I never pay late, and I trust the bank can protect me in this situation. 
Being said that, I request the bank to reconsider my claim and provide me with evidences which can prove that : - my card was present when the purchase happened - the chip was read - the PIN was used - photos from camera showing I was there In case if the bank can not provide the evidences or the decision can not be changed. Ill have to seek for support from the Consumer Financial Protection Bureau in order to resolve this issue with the bank. Thank you for your help and understanding. XXXX looking forward to receiving your feedback.

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 2025-07-28 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: LA

Complaint narrative:
I am currently in the process of purchasing a home, and during the loan underwriting process, an unexpected issue appeared on my credit report. I noticed a charge off account, late payment, closed account, or hard inquiries reported by XXXX XXXX, XXXX This entry is inaccurate and/or unverifiable. I have never received proper notice, validation, or communication regarding this debt or account. I contacted the company directly to request clarification and validation. I also submitted formal disputes to the appropriate credit bureaus. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, furnishers of information have a legal obligation to report accurate information and to promptly investigate disputes. Failure to correct or delete inaccurate or unverifiable information violates this law. This item is damaging my credit profile and directly interfering with my ability to purchase a home. 

I respectfully request that this matter be fully investigated and resolved without delay. I am requesting that the inaccurate or unverifiable item be deleted or corrected immediately, in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
I never did business with CONCORDE AUTO ACCEPT RE : You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. USC 1681b Permissible purpose of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and states.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: ID

Complaint narrative:
On XX/XX/year> I had notifications of credit inquires on several accounts I own, that no one in my household made. I went to the accounts via apps and had new credit card in XXXX XXXX and XXXX XXXX I was able to place a hold on the new cards with credit limits of {$20000.00} each. I then changed my usernames, passwords and on line accounts for XXXX XXXX and XXXX XXXX  and my username and password for XXXX XXXX  and XXXXXXXX XXXX. I placed a fraud alert with the credit agencies and placed a freeze on my credit today. I had a third inquiry on XXXX XXXX though have not seen a new credit card on that account. I did not get an inquiry on XXXX. I noted a new email had been added to my XXXX XXXX contact list that does not belong to any of my family, XXXX. Thank for any help on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: ID

Complaint narrative:
On XX/XX/2025 I had notifications of credit inquires on several accounts I own, that no one in my household made. I went to the accounts via apps and had new credit card in XXXX XXXX and XXXXXXXX XXXX I was able to place a hold on the new cards with credit limits of {$20000.00} each. I then changed my usernames, passwords and on line accounts for XXXX XXXX and XXXX XXXX  and my username and password for XXXX XXXX and XXXXXXXX XXXX I placed a fraud alert with the credit agencies and placed a freeze on my credit today. I had a third inquiry on XXXX XXXX though have not seen a new credit card on that account. I did not get an inquiry on XXXX. I noted a new email had been added to my XXXX XXXX contact list that does not belong to any of my family, XXXX. Thank for any help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: ID

Complaint narrative:
On XX/XX/year> I had notifications of credit inquires on several accounts I own, that no one in my household made. I went to the accounts via apps and had new credit card in XXXX XXXX and XXXXXXXX XXXX  I was able to place a hold on the new cards with credit limits of {$20000.00} each. I then changed my usernames, passwords and on line accounts for XXXX XXXX and XXXX XXXX  and my username and password for XXXX XXXXXXXX and XXXXXXXX XXXX  I placed a fraud alert with the credit agencies and placed a freeze on my credit today. I had a third inquiry on XXXX XXXX though have not seen a new credit card on that account. I did not get an inquiry on XXXX. I noted a new email had been added to my XXXX XXXX contact list that does not belong to any of my family, XXXX. Thank for any help on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
Formal Demand for Proof of Authorization to Report Information on Behalf of Trust or Trustee To Whom It May Concern : I am writing as the living, natural person and rightful beneficiary of the [ XXXX XXXXXXXX XXXX XXXX XXXX  ], a private trust estate. It has come to my attention that your agency is reporting information under the trust name, or associated identifiers without the expressed authorization or legal fiduciary appointment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX  is the first offender. They accessed my credit report and almost authorized an auto loan for a XXXX XXXX without verifying my information properly. 
I'm demanding XXXX XXXX  send a letter to XXXX XXXX and XXXX  to have this fraud inquiry removed from my credit. If not, i will be taking legal action. 

TD Auto Finance can refer to the top paragraph and do the same. I'm not obligated to file a police report. This report directly reports to local law. 

XXXX XXXX XXXX, XXXX needs to also report to all XXXX 's. They authorized a fake application on their website. No attempts were made to fully authorize my credit profile. 

XXXX XXXX  also needs to follow the information above and also send a letter having an inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX  is the first offender. They accessed my credit report and almost authorized an auto loan for a XXXX XXXX without verifying my information properly. 
I'm demanding XXXX XXXX  send a letter to XXXX XXXX and Equifax to have this fraud inquiry removed from my credit. If not, i will be taking legal action. 

TD Auto Finance can refer to the top paragraph and do the same. I'm not obligated to file a police report. This report directly reports to local law. 

XXXX XXXX XXXX, XXXX needs to also report to all XXXX 's. They authorized a fake application on their website. No attempts were made to fully authorize my credit profile. 

U.S. Bank also needs to follow the information above and also send a letter having an inquiry removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I requested debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ), asking the company to prove this debt is mine and provide full documentation. They failed to provide a signed contract, itemized charges, or proof of ownership or collection rights. Despite this, they are still reporting the account to XXXX XXXX  and XXXX, violating both the FDCPA and FCRA ( 15 U.S.C. 1681s-2 ( b ) ). Simply verifying through internal systems or phone calls does not count as a reasonable investigation, as outlined in XXXX v. XXXX  This is causing damage to my credit and violates my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
It is extremely distressing to see false, incorrect, and inaccurate information being reported under my name. I am an honest individual working hard to improve my situation, yet my credit report reflects data that I do not recognize or authorize. 

As a consumer, I know I have rights and protections, but this situation makes it feel like those rights are being ignored. These errors have already impacted my life and credit negatively, causing credit application denials and forcing me to continue living paycheck to paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I received a capital one credit card in the mail that I didnt apply for and received the card in the mail. I immediately called the company to cancel the card and check for activity which there was not. Then I called all major credit bureaus and froze my credit. Although there were no charges I am concerned that my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: OH

Complaint narrative:
I am filing this complaint due to multiple, repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX ( b ), by XXXX XXXX. 

Despite having * * no connection * * to the account holder " XXXX XXXX '' and having notified XXXXXXXX XXXX  * * in writing * * that they were contacting the wrong person, the company has continued to : - Send * * detailed debt collection emails * * to my personal inbox. 
- Disclose * * account balances, account numbers, and creditor names * * without any consent. 
- Continue this communication * * after formal written notice * * to cease contact and remove my email from their system. 

Dates of Unauthorized Emails : - XX/XX/year> - XX/XX/year> - XX/XX/year> - XX/XX/year> These emails contained personally identifiable financial information belonging to another individual. This is a clear violation of my consumer privacy rights and potentially federal regulations regarding third-party disclosure. 

Actions Requested : 1. Full investigation of XXXX XXXX data handling and communication practices. 
2. Permanent deletion of all accounts, communications, and contact data associated with my name and email.

3. Confirmation of FDCPA compliance and consumer protection procedures.

4. Formal penalties or sanctions if violations are confirmed. 

I am attaching the official escalation letter I sent to XXXX XXXX as well as screenshots of each violating communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
called to correct my information with experian because its reporting my decease mothers name XXXX XXXX and the year 1970.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Please advise and help me fix this, thank you

Company response to consumer: Closed with non-monetary relief