vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding an unauthorized and fraudulent account opened in my name by Portfolio Recovery : Account # XXXX This account was created after my personal information was stolen from my vehicle on XX/XX/XXXX. A police report was filed at the time documenting the theft. I am only now discovering this account on my credit report, which I did not authorize or recognize. I do not have any contractual agreement with Portfolio Recovery or the original creditor associated with this account. 

Actions Taken : On XX/XX/XXXX, I sent a dispute letter to Portfolio Recovery including a copy of my police report, requesting immediate removal of this fraudulent account and a cease and desist regarding reporting to credit agencies. 

To date, I have not received a response from Portfolio Recovery. 

I have also filed a report with the Federal Trade Commission documenting this identity theft. 

Legal Basis : Federal Law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 & 1681i ( a ) : Consumers may dispute fraudulent accounts and request the blocking/removal of information resulting from identity theft. Credit reporting agencies must investigate and correct inaccuracies. 

Federal XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Debt XXXX XXXX not attempt to collect debts that are fraudulent, unauthorized, or not owed by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX et seq. : Prohibits unauthorized access to consumer credit information and protects consumers from deceptive or unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Good Afternoon I apologize if my XXXX is not good, but I am looking for options. 

I own a trading company in XXXX, usually import poultry proucts from the XXXX or other countries. 

In XXXX operation, a company from XXXX, asked to receive payment in a XXXX Bank. 

XX/XX/XXXX - From XXXX, I transfer the value of {$57000.00} XXXX DLLS in domestic currency. XXXX is the platform who gave this service. This platform, send the money from XXXX to the XXXX, so JP Morgan, who is the bak they work with, can send the wire to my supplier in the XXXX bank, in this case XXXX. 

XXXX now, XX/XX/XXXX of 2025, the amount has not been received in my supplier account, but also was not rejected to the origin bank, in this case JP Morgan. As a customer, and because this was a domestic transaction, I would like to know what institutions I can reach for to get help and check where my wire transfer went. Both banks, according to my XXXX and my supplier, are investigating this, but no good news untill now, so I am checking how or with who ( Gov intitutions ) can I do research to I can get real information about this This is the information I have from this operation : JP Morgan XXXX Bank ID XXXX ) Wire Transfer for {$57000.00} XXXX DLLS Transaction Reference : XXXX Senders Reference : XXXX XXXX : XXXX Value Date : XX/XX/2025 XXXX : XXXX Beneficiary XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Routing : XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I was XXXX  XXXX  and XXXX  and someone open a loan in my name with Bank of America for {$92000.00}.. I have medical documentation and police report that I did not open a loan for {$92000.00} and {$60000.00} in Bank of America and they want to foreclose my home for that amount which I had to pay and I need XXXX XXXX credit to investigate those two loan and the police need evidence of who open those loans! The plan for {$60000.00} was open in XXXX and closed XXXX and Bank of America foreclosure on my house with my association and took my house away and sold it and {$190000.00} and say I owed them {$60000.00} on that house! The bank and association robbed me my house and XXXX XXXX and XXXX me and my daughter and stole my house away from me and sold it and took {$120000.00} for themselves and have me paying back those loan I did not receive!

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 2025-11-20 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-21 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: VA

Complaint narrative:
I am writing to follow up on my previous disputes regarding the inaccurate and unverified negative items currently appearing on my credit report. Despite prior investigations, the following accounts continue to be reported incorrectly : 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
Consumer complaint received 2025-11-21 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:
In XX/XX/XXXX, I moved apartments in New York and called XXXX to cancel my service. XXXX confirmed the cancellation. Immediately afterward, my XXXX account disappeared from their system. When I attempted to log in, the account no longer existed, and customer service representatives repeatedly told me they could not locate any active or closed account under my name. 

Despite this, XXXX began reporting the account as delinquent starting in XX/XX/XXXX. 

From XXXX through XXXX, I made multiple attempts to resolve the issue directly with XXXX. Each time, XXXX was unable to find the account, provide billing statements, or offer any documentation supporting the alleged balance. I asked for verification, copies of bills, and an explanation of charges, but XXXX could not provide any information because the account was not accessible in their system. 

In XXXX, I received a Final Settlement Offer by email, which referenced an account number. When I attempted to view the account online again, XXXX website displayed consistent errors, including Error Loading Bill, No Payment History Available, and We are temporarily unable to show your bill history. Screenshots showing these messages are attached. 

At no point since XXXX has XXXX been able to provide verification of the account, billing statements, payment history, or even locate the account internally. Because XXXX can not validate the debt or provide documentation, the negative reporting is inaccurate under the Fair Credit Reporting Acts requirement that furnishers report only verifiable, accurate information. 

I have an otherwise clean credit history with no other derogatory marks or collection items. I am requesting that this unverified XXXX derogatory account be removed from my credit reports. 

I am also providing the below in a single PDF document : XXXX  full credit report ( PDF ) showing the XXXX derogatory tradeline. 
XXXX  full credit report ( PDF ) showing the XXXX derogatory tradeline. 
Equifax full credit report ( PDF ) showing the XXXX derogatory tradeline. 
Screenshots from my XXXX account portal showing : Error Loading Bill No Payment History Available We are temporarily unable to show your bill history XXXX Final Settlement Offer email ( XX/XX/XXXX ). 
Move-out documentation from XX/XX/XXXX confirming my previous address. 
New lease agreement beginning XX/XX/XXXX, confirming my move to a different apartment. 
Screenshot showing all other accounts in good standing ( Clean slate/ no collections ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
In XX/XX/XXXX, I moved apartments in New York and called XXXX to cancel my service. XXXX confirmed the cancellation. Immediately afterward, my XXXX account disappeared from their system. When I attempted to log in, the account no longer existed, and customer service representatives repeatedly told me they could not locate any active or closed account under my name. 

Despite this, XXXX began reporting the account as delinquent starting in XX/XX/XXXX. 

From XXXX through XXXX, I made multiple attempts to resolve the issue directly with XXXX. Each time, XXXX was unable to find the account, provide billing statements, or offer any documentation supporting the alleged balance. I asked for verification, copies of bills, and an explanation of charges, but XXXX could not provide any information because the account was not accessible in their system. 

In XXXX, I received a Final Settlement Offer by email, which referenced an account number. When I attempted to view the account online again, XXXX website displayed consistent errors, including Error Loading Bill, No Payment History Available, and We are temporarily unable to show your bill history. Screenshots showing these messages are attached. 

At no point since XXXX has XXXX been able to provide verification of the account, billing statements, payment history, or even locate the account internally. Because XXXX can not validate the debt or provide documentation, the negative reporting is inaccurate under the Fair Credit Reporting Acts requirement that furnishers report only verifiable, accurate information. 

I have an otherwise clean credit history with no other derogatory marks or collection items. I am requesting that this unverified XXXX derogatory account be removed from my credit reports. 

I am also providing the below in a single PDF document : Experian full credit report ( PDF ) showing the XXXX derogatory tradeline. 
XXXX  full credit report ( PDF ) showing the XXXX derogatory tradeline. 
XXXX  full credit report ( PDF ) showing the XXXX derogatory tradeline. 
Screenshots from my XXXX account portal showing : Error Loading Bill No Payment History Available We are temporarily unable to show your bill history XXXX Final Settlement Offer email ( XX/XX/XXXX ). 
Move-out documentation from XX/XX/XXXX confirming my previous address. 
New lease agreement beginning XX/XX/XXXX, confirming my move to a different apartment. 
Screenshot showing all other accounts in good standing ( Clean slate/ no collections ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-20 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: NC

Complaint narrative:
I have an account I noticed on my credit report on XX/XX/year>. The amount was approximately around {$6000.00} from XXXX XXXX XXXX. I reached out about my knowledge on this account letting them know I wasnt responsible along with an affidavit. Information from where this came from the property notifies that it was an identity theft.

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 2025-11-20 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft/inaccurate reporting The CRAs and furnishers listed have reported Charge-offs, collections and delinquencies that are fraudulent or unverifiable. 

I requested XXXX XXXX and deletion under FCRA 1681i, 1681S2 1681c2 and validation under FDCPA 1692g ( b ) I also requested the XXXX purges all addresses except XXXX Place Point XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX Police Report # : XXXX XXXX OH Police Department

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 2025-11-21 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: KY

Complaint narrative:
I am writing to dispute the presence of a hard inquiry on my credit report as listed below. This inquiry was made without my knowledge or consent, and I request its immediate removal from my credit file. 

XXXX XXXX : XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage force-placed multiple insurance policies on our VA-backed home loan, including Hazard, Flood, Windstorm, and an unsolicited Earthquake policy, even though we already had active and sufficient coverage in place. 

PHH also told us that our hazard insurance must be equal to or higher than the loan balance, which violates VA guidelines. VA only requires replacement-cost coverage, and we have always met that requirement. 

Even after we provided proof of coverage, PHH continued to charge force-placed insurance and raised our mortgage payment. This created a false escrow shortage and caused severe financial hardship. We fell behind on other bills, struggled to afford food, and experienced extreme stress. My spouse developed XXXX  due to the stress caused by PHHs actions. 

PHH has delayed correcting the issue and repeatedly placed us on hold for multiple days. They only talked briefly with us when we stated we would report the problem to the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-11-20 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.

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable credit reporting by JPMorgan Chase Bank ( JPMCB ). The information being reported about a closed credit card account is incorrect and can not be validated by the lender. 

I paid the credit card in full in XX/XX/year> and requested that the credit card account be closed. Instead of closing the correct account, Chase mistakenly closed my debit card and left the credit card active in error. Several months later, Chase reported an alleged unauthorized charge of approximately {$30.00}, and the balance was then increased to over {$420.00} without any billing statements, documentation, or proof of authorization. When I contacted Chase multiple times to request transaction records, statements, or verification, representatives were unable to provide any documentation. I was only given a date, with no evidence of what the charge was. 

Chase has continued to report this unverifiable balance on my credit report as a charge-off despite not being able to provide proof. Reporting unverifiable information is a violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) accuracy requirements ), FCRA 611 reinvestigation requirements, and FACTA documentation requirements. A verbal statement that the dispute is denied is not a lawful validation process. 

I am requesting that JPMorgan Chase Bank provide proof of : Original statements and billing history Itemized transaction details for the alleged charge Documentation showing how the balance increased Authorization of the transaction Evidence that proper closure procedures were followed If documentation can not be provided, the account should be immediately removed from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation