vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: 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: FL

Complaint narrative:
During my first travel to XXXX on XX/XX/year> while I was out of my hotel room to have lunch or dinner, someone entered my room and used my credit card to purchase items without my authorization in the amount of {$1300.00}. They never took the card with them, they just made a purchase through some wireless Point of Sale device and left my card on my room. When disputing this fraudulent charge with Chase, they said that they could not return the charges given that I used my credit card afterwards. While on XXXX I only used my credit card through an XXXX called XXXX XXXX with the exception of a Taxi charge that I did pay with a Card Present transaction. The only transaction after the fraudulent charge was the Taxi, after noticing the discrepancy on my charges I quickly called Chase and they decided to cancel that credit card and issue me a new one. After several weeks going back and fort having Chase remove the charges, they finally reinstated them and told me that they were unable to refund me for the unauthorized charges, breaking their agreement on the XXXX Liability Protection that is prominently touted on their website as one of their major benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: American Financial Network Inc.
State: NJ

Complaint narrative:
XXXX XXXX [ XXXX ] of American Financial Network , Inc. - XXXX XXXX, FL, a broker 's agent who we were trying to work with expressed great unprofessionalism. XXXX XXXX called me a " XXXX '' on a phone called, lied that it was his assistant, then on a separate phone call on XX/XX/year> discriminated against me saying that I was " XXXX XXXX XXXX '' and I " didn't know about XXXX ' '', only assuming that XXXX ' is the work that I do for my employer. XXXX XXXX is incredibly unprofessional and disrespectful and should be investigated as he is going against XXXX. By XXXX XXXX calling me a " XXXX, '' refers to me as a " XXXX XXXX XXXX is considered as XXXX harassment or XXXX XXXX XXXX XXXX XXXX XXXX XXXXr ). Age discrimination ( especially treating me as less competent because I " sound '' young ). Unfair lending practices ( as XXXX is making it harder for me to get financing or services based on my identity ). Going against Equal Credit Opportunity Act ( XXXX ) which prohibits discrimination in lending based on sXXXX and age. Since XXXX harassed me based on my XXXX XXXX XXXX, thats a violation and should be fine or his licensed revoked. 
XXXX XXXX - XXXX # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dept Of EdXXXX XXXX XX/XX/2018 Loans show late payments. Was in XXXX, in deferment /forbearance applied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dept Of Ed/XXXX XXXX XX/XX/year> Loans show late payments. Was in XX/XX/XXXX in deferment /forbearance applied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dept Of EdXXXX XXXX XX/XX/year> Loans show late payments. Was in XXXX, in deferment /forbearance applied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I mailed a goodwill adjustment request to Chase regarding four late payments from XXXX on a closed credit card account. I was not disputing the accuracyonly requesting a discretionary removal based on years of perfect payment history since and my current efforts to expand my small business. 

In XX/XX/XXXX, I received a voicemail from a Chase Executive Office representative, XXXX XXXX, but despite seven follow-up calls, I was never able to reconnect. I followed up by email and received only a template response that stated Chase must report accurately, without addressing the nature of my request or engaging in dialogue. 

These late payments are nearly six years old and do not reflect my current financial behavior. They are disproportionately affecting my ability to lease a vehicle and access fair financing options as a business owner. I am asking the CFPB to help initiate a meaningful review of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I have been a victim of identity theft. As a result, fraudulent accounts and/or transactions have been made in my name without my knowledge or consent. These debts are not my responsibility, and I am requesting their immediate removal from my records.

Please consider this letter a formal dispute of any and all fraudulent debts and accounts listed under my name. I did not authorize these charges or open these accounts, and I request that you : 1. Remove the fraudulent debts and charges from my account ( s ).

2. Cease any collection activity related to these fraudulent items.

3. Confirm in writing that you have removed the debts from your records and credit reporting.

4. Provide any documentation related to the debts, such as applications, transaction records, and any communication associated with the account.

In support of my claim, I have enclosed the following documents : A copy of my government-issued photo ID A completed FTC Identity Theft Report Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am entitled to have inaccurate information removed from my credit file. I expect your cooperation in resolving this matter quickly and in accordance with federal law.

Please confirm in writing that these fraudulent debts have been removed and that my name and credit will no longer be associated with them. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On Tuesday XX/XX/year> I sent a wire from my XXXX account under XXXX XXXX to my Bank of America account XXXX XXXX. The wire was returned because the name did not match however, if further investigation was done on Bank of America side theres documentation that I changed my name with Bank of America from XXXX XXXX to XXXX XXXX was I was married. The initial wire coming from XXXX was XXXX but was returned XXXX dollars less because Bank of America changed a fee for returning the wire because the last name did not match but the account number matched and the first name and whatever information provided for the transaction Im sure matched. I have received cash transfers in the past with my last name not matching before. I am requesting the XXXX dollars be returned to me. Im in the process of divorce due to XXXX XXXXXXXX and the incoming wire is needed to provide for my children. The following day after I realized the wire was returned that same wire was processed again into my Bank of America account. The contact centeXXXX for Bank of America said there I spoke with XXXX from XXXX she said her and her managers or financial centers could do nothing about the fee. I am requesting this fee be returned. Both accounts belong to me. It cant be that hard to refund this fee. I work for a bank and have helped several customers in this exact situation. Im told the fee cant be refunded but at my discretion I can refund it using a differenXXXX XXXX. Im certain BOA can make right by this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
Per FCRA 6802 a financial institution is not allowed to report information regarding transactions with consumers unless they provide information of how to opt out. They provided no such information. In any case, I revoked their authorization to report any information on me to this agency. Per 15 USC 1681ad2A1 states transactions between consumers and the person making the report are not to be included in the report. Yet this company is allowing that to occur even after I revoked the ability for the institution to do so. I also informed them that reporting any late payments is illegal per FCRA as open end credit accounts can not be reported late under any circumstances. This company has ignored my documentation and continued reporting the information even after being made aware of inaccuracy. You would think that MY CONSUMER REPORT is theirs the way that they are refusing to correct said information. They continue to ignore federal law. I also heard they were under fire from the CFPB for doing some of the same things ... they agreed to clean it up but haven't. If Transunion couldn't verify the information with the third party and deleted the XXXX account, how is Equifax verifying the same information with that same party? ( see attached Deletion from XXXX  ). Per federal law, all agencies are to keep accurate information. So if one agency is adhering to that, what makes Equifax exempt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Frost bank called me asking me about an online application that I did not open an account. Ive never opened an account online and whoever it is had my information and I need to put a fraud alert on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

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. Account Name : LVNV Funding LLC # : XXXX. Amount : {$1300.00} I looked at my XXXX XXXX XXXX  credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer. And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. Delete account LVNV Funding LLC from from my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief