vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Freedom Unlimited Chase credit card was fraudulently used from XX/XX/XXXX to XX/XX/XXXX while I was XXXX XXXX XXXXXXXX, and the amount was around XXXX USD. Chase said they will return my balance and send a new card, but I have not receive any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 explanation
Consumer complaint received 2025-03-06 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Mortgage Lending LLC
State: IL

Complaint narrative:
On XX/XX/year>, I was contacted by XXXX XXXX, a representative from United Mortgage Lending , LLC, who pitched me a mortgage offer that seemed too good to be true, competing with the lender I was already working with. After a lengthy conversation, XXXX collected personal details from both my wife and me, stating that he would begin the application process and follow up at a specific time. He also assured us that he would not perform a hard credit pull until we had clarity on the deal and numbers. 

Despite this assurance, XXXX proceeded to pull our credit reports without our consent. I attempted to reach him multiple times via phone, text, and email but was completely ignored. Frustrated, I sent a message requesting to speak with a manager. Shortly after, a manager ( whose name I didnt catch ) called me, apologized, and assured me that the two hard inquiries would be removed. 

I requested email confirmation, but after that conversation, the manageXXXX disappeared as well. When I followed up a few days later, he claimed that he had contacted the credit bureaus and was told it would take XXXX days for the inquiries to be removed. He then suggested I call the bureaus myself to expedite the process. However, when I contacted all three credit bureaus, I was informed that no disputes or cases had been opened on my behalf and that the hard inquiries would remain on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Identity Theft Report Number : XXXX Report Number : XXXX Complaint Against : [ Insert Name of Collection Agency or Credit Bureau ] Nature of the Complaint : I am filing this complaint to request the immediate blocking and removal of fraudulent information from my credit report due to identity theft. Despite multiple attempts to update my personal information and dispute fraudulent accounts, the reporting agencies have failed to comply with my requests as mandated under the Fair Credit Reporting Act ( FCRA ). 

Issues : Fraudulent Accounts : Unauthorized accounts have been opened in my name, which I have disputed multiple times. However, they remain on my credit report.

Personal Information Inaccuracy : The agencies have failed to update my personal information despite numerous requests. My correct information is as follows : Full Legal Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( All other addresses must be removed ) Phone Numbers : Request for deletion of all incorrect phone numbers Social Security Number & Date of Birth : Request for privacy protection and removal from public display Employer Information : Request for removal of all outdated employer details Failure to Block Fraudulent Information : Under 15 U.S.C. 1681c-2, agencies are required to block fraudulent data upon request. They have failed to do so.

Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), agencies are required to disclose how disputed accounts were verified. They have not provided this information. 

Failure to Protect My Personal Data : My personal information was compromised due to multiple data breaches, including : Equifax breach ( XXXX ) XXXX breach ( XXXX ) Experian breach ( XXXX ) These breaches have led to identity theft, and I demand corrective action immediately. 

Legal Violations : The credit reporting agencies and collection agencies have violated multiple provisions of the FCRA and related consumer protection laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

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 2025-03-07 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Identity Theft Report Number : XXXX Report Number : XXXX Complaint Against : [ Insert Name of Collection Agency or Credit Bureau ] Nature of the Complaint : I am filing this complaint to request the immediate blocking and removal of fraudulent information from my credit report due to identity theft. Despite multiple attempts to update my personal information and dispute fraudulent accounts, the reporting agencies have failed to comply with my requests as mandated under the Fair Credit Reporting Act ( FCRA ). 

Issues : Fraudulent Accounts : Unauthorized accounts have been opened in my name, which I have disputed multiple times. However, they remain on my credit report.

Personal Information Inaccuracy : The agencies have failed to update my personal information despite numerous requests. My correct information is as follows : Full Legal Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( All other addresses must be removed ) Phone Numbers : Request for deletion of all incorrect phone numbers Social Security Number & Date of Birth : Request for privacy protection and removal from public display Employer Information : Request for removal of all outdated employer details Failure to Block Fraudulent Information : Under 15 U.S.C. 1681c-2, agencies are required to block fraudulent data upon request. They have failed to do so.

Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), agencies are required to disclose how disputed accounts were verified. They have not provided this information. 

Failure to Protect My Personal Data : My personal information was compromised due to multiple data breaches, including : Equifax breach ( XXXX ) XXXX breach ( XXXX ) Experian breach ( XXXX ) These breaches have led to identity theft, and I demand corrective action immediately. 

Legal Violations : The credit reporting agencies and collection agencies have violated multiple provisions of the FCRA and related consumer protection laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

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 2025-03-07 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: GA

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. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Received a call from XXXX XXXX XXXX. The merchant closed my complaint without proper resolution. I previously submitted proof of payments and requested a lease satisfactory letter. I paid more than the settlement amount. Now they have placed me in collections for over {$400.00}. No notice was sent to me from the collection agency just a phone call. This is predatory lending at its finest. I paid the required settlement amount. I dont owe anything else. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Kriya Capital, LLC
State: NC

Complaint narrative:
I sent off certified letter on XX/XX/year> to the reporting depts collectors XXXX XXXX XXXX and Credence service asking for validation on account XXXX also XXXX that competent evidence bearing my signature showing that I have ever had some contractual obligation to pay XXXX XXXX XXXX and XXXX XXXX thats reporting one account two different times with different account balances.The original creditor XXXX XXXX reported this account as charge off also written off.I never received a 1099-C form which is a Cancellation of Dept or was I notified this dept was being sold off to multiple companies. Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also15 USC 1692e False or Misleading Representation and section 623b Violations of the Fair Credit Act also section 807-8 Violations of the Fair Dept Collection Practices Act.I asked for these two accounts be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-06 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXXXXXX XXXX  2. The following personal information is incorrect Former : XXXX, XXXX 3. The following personal information is incorrect Former : XXXX, XXXX, XXXX 4. The following personal information is incorrect Also Known As : XXXX, XXXXXXXX XXXX 5. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. violation of section 605 A 15 USC code 1618 C-1. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXXXXXX  Please remove this inaccurate information from my credit report. 

16. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

17. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

18. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

19. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXXXXXX XXXX  2. The following personal information is incorrect Former : XXXX, XXXX 3. The following personal information is incorrect Former : XXXX, XXXX, XXXX 4. The following personal information is incorrect Also Known As : XXXX, XXXXXXXX XXXX 5. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. violation of section 605 A 15 USC code 1618 C-1. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXXXXXX  Please remove this inaccurate information from my credit report. 

16. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

17. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

18. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

19. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from 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