vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

JPMCB CARD XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I have the reason to believe Transunion is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date of Birth XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Social XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have the reason to believe XXXX is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date of Birth XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Social XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : DEPTEDXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$510.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX Balance {$1500.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1900.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$18000.00} Account Name XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$2300.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/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 2025-09-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year>, client XXXX XXXX paid {$800.00} toward a {$5000.00} flat fee for immigration legal services. After I performed extensive work including case analysis, motion drafting, and XXXX eligibility research, I discovered she had concealed material documents and was attempting to induce me to file fraudulent immigration documents. Per Connecticut Rules of Professional Conduct, I terminated representation for client misconduct.On XX/XX/year>, she filed a 'Services Not Received " chargeback. I provided comprehensive evidence through Stripe showing : ( 1 ) Signed engagement agreements, ( 2 ) Documentation of dozens of hours of legal services performed, ( 3 ) Detailed explanation that termination was required due to her attempts to submit false documents, ( 4 ) Proof that she still owed {$2200.00} under the flat fee agreement, making her the debtor, not creditor.Despite this overwhelming evidence that services were extensively performed and termination was for client misconduct, Bank of America sided with her false 'services not received " claim without meaningful review of the evidence.

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 2025-09-24 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: MD

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding inaccurate reporting on my credit file that violates the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor/Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Revolving / Flexible Credit Card DateOpened : XX/XX/year>XXXX  Reported Status : Pays as agreed/ Paid and closed / XXXX balance Contradictory Comment : Account closed by credit grantor This reporting is inconsistent and misleading. An account can not simultaneously be reported as pays as agreed with no delinquency while also carrying a derogatory notation such as closed by credit grantor. This creates the false appearance of negative credit behavior when in fact the balance is {$0.00} and the account was paid and closed in good standing. 

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information and request prompt correction or deletion. 

I respectfully request that this account be corrected to reflect only accurate, non-contradictory information, or removed entirely if accuracy can not be assured. 

Please investigate this matter promptly and ensure my credit file reflects truthful and consistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX, this account was reported as a collection for {$8100.00} by American Accounts & Advisers , Inc . I disputed the account and requested validation. The company responded, but did not provide sufficient documentation to prove the debt, including proof that they are licensed to collect in my state of Nevada. 

On XX/XX/XXXX, the account was updated again on my XXXX  report as unpaid, continuing to harm my credit. I believe this is improper because : The company has not provided full validation of the debt. 

I was not given clear documentation showing how the amount of {$8100.00} was calculated. 

I could not confirm that they are licensed to collect debt in Nevada, where I reside. 

I am requesting that the CFPB investigate this matter, as the company is attempting to collect without proper validation and may not be authorized to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
To Whom it May, Under the Fair Credit Reporting Act ( FCRA ) Section 604, a credit bureau is not permitted to provide my credit report unless a permissible purpose exists and my consent has been granted. Since I did not authorize this inquiry, it is a violation of my rights under the FCRA. 

I am requesting that this unauthorized inquiry be removed from my credit file immediately. Please provide written confirmation once the removal has been completed.

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 2025-09-24 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
To Whom it May, Under the Fair Credit Reporting Act ( FCRA ) Section 604, a credit bureau is not permitted to provide my credit report unless a permissible purpose exists and my consent has been granted. Since I did not authorize this inquiry, it is a violation of my rights under the FCRA. 

I am requesting that this unauthorized inquiry be removed from my credit file immediately. Please provide written confirmation once the removal has been completed.

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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing an incorrect address on my TransUnion and Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there or authorized accounts to be linked to this address. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under FCRA 1681e ( b ), 1681i ( a ), 1681g ( a ) ( 1 ), and 1681j ( a ), I request that TransUnion verify, correct, or delete any inaccurate information and provide written confirmation of the updates. Accurate personal information is critical to prevent misattributed accounts and errors in my credit report.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, I received an email notification stating that my Capital One checking account was restricted and required me to submit identity verification documents. I submitted them twice in total, but customer service informed me that their backend system showed it as not passing, and they told me the account needed to be closed, and I could never have any of their accounts again. This explanation and outcome are extremely baffling. First of all, I have not engaged in any illegal activities ; it was all normal usage. When I initially opened the account, I also submitted identity documents, but now resubmitting the proof results in being told to close the account and never have their accounts again. This is simply rogue behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS 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 XXXXXX/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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
My phone was stolen I lost all access to everything an they would let me get back in my acccount it had money in it I had to report my stuff as fraud never got it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: AR

Complaint narrative:
XXXX XXXX also known as XXXX XXXX is trying to send me to collections for a debt I have already paid. I have already reached out to you guys regarding XXXX XXXX not honoring my credit card dispute against XXXX so they were in fact paid already and you guys have proof of that. Fast forward to a year later, Im now getting a letter from a debt collector saying I owe {$7700.00} I stopped using them for their faulty equipment, bogus violations and lockouts. I contacted my state attorney general to which the committed libel against me. They said I was drinking and driving, that I was convicted in Arkansas for a dui, all lies. My charges were in Texas that were later dropped. So I never even needed the device in the first place. If you check their reviews on XXXX  or Im sure you have some already they are a shady company with several class action lawsuits against them. I have kept every email, invoice paid, tracking for returning their equipment and correspondence from them and they need to just leave me alone. I have paid them more than I should have for their bogus violations that the use as tactics to turn up charges. But if you dispute the charges the charge you for that. They need to be stopped and put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
After reviewing my credit report, I found that all three reporting agencies are incorrectly reporting on XXXX XXXX XXXXXXXX account which is false. Im attaching a screen shot of the incorrect information updated and removed from my credit reports. 

Thank 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 2025-09-24 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that XXXX  Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing several accounts reported on my credit report due to inaccuracies in balances, dates, and statuses. The account with XXXX XXXX XXXX XXXX shows a balance of {$23000.00} with a status updated in XX/XX/XXXX and an opening date of XX/XX/XXXX. The XXXX XXXX account shows a balance of {$3700.00} with a status updated in XX/XX/XXXX and an opening date of XX/XX/XXXX. In addition, multiple accounts with XXXX XXXX XXXX are listed with varying balances and dates. These include accounts opened on XX/XX/XXXX, with balances of {$1900.00} and {$1800.00} ; accounts opened on XX/XX/XXXX, with balances of {$2100.00} and {$4000.00} ; accounts opened on XX/XX/XXXX, with balances of {$4000.00} and {$8100.00} ; and accounts opened on XX/XX/XXXX, with balances of {$2000.00} and {$3800.00}. All XXXX XXXX accounts show status updates as of XX/XX/XXXX. I request that each account be fully reinvestigated and verified for accuracy, and I ask that any information that can not be verified be corrected from my credit report.XXXX XXXX XXXX  XXXX XXXX Balance {$23000.00} Status updated : XX/XX/XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$3700.00} Status updated XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1900.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2000.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3800.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation