vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. to formally dispute the accuracy and verifiability of the information listed below on my credit report. This item is inaccurate, incomplete, and/or can not be verified as required by law.

Creditor/Collection Agency Name : JPMCB Account Number : XXXX Reported Status : Closed, Charge-off, Collections Date Reported : XX/XX/year> Legal Grounds for Deletion Unverifiable Information FCRA 611 ( 15 U.S.C. 1681i ) : The credit bureau must conduct a reasonable reinvestigation to verify the accuracy of this item. If the furnisher can not provide proper validation, the law requires permanent deletion. 

Accuracy Requirement FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus must ensure maximum possible accuracy. Any conflicting, outdated, or incomplete reporting ( wrong dates, balances, status, ownership, etc. ) violates this requirement. 

Obsolete Information FCRA 605 ( a ) ( 15 U.S.C. 1681c ) : Negative items older than XXXX  years ( or XXXX  years for bankruptcies ) may not be reported. If this account exceeds the legal reporting period, it must be deleted immediately.

Debt Collector Violations FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) : If a third-party collection agency is reporting this account, they are required to provide proper debt validation upon request. Until validation is provided, they are prohibited from continuing to report or collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
transunion has violated my rights.

15 usc 1681 section 602 states i have right to privacy.

15 usc 1681 section 604 A section 2 : ,it also states a consumer reporting angency can not furnish a account without my written instruction.

15 usc 1666b : Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-08-21 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: VA

Complaint narrative:
I am very upset because inaccurate accounts are still present on my credit report today. I reviewed my report as I normally do, but this time there were errors that simply should not exist. Refreshing the page did nothingthe inaccurate accounts stayed. Because of this ongoing issue, I demand that the documents Ive submitted be thoroughly examined so this can be resolved immediately and I wont have to worry about it anymore.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint against Equifax, XXXXXXXX XXXX  and XXXX  for systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related CFPB rules, and controlling case law. 

Despite multiple disputes and prior complaints, the CRAs continue to report unverified and fraudulent accounts allegedly tied to my name ( including, but not limited to, accounts furnished by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ). These accounts were previously disputed, yet the CRAs failed to conduct proper investigations as required by FCRA 611 ( a ) and instead relied on furnishers automated responses through e-OSCAR ( parroting ), which courts have consistently held to be unlawful. 

Violations include : Failure to Conduct Reasonable Investigations By merely parroting furnishers, the CRAs violated : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Failure to Provide Full File Disclosure ( FFRD ) Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ), CRAs must disclose all information in my file, including internal codes, source data, and method of verification. Instead, they provided only standard consumer-facing reports. This is a direct violation of : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Equifax, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Failure to Provide Method of Verification CRAs failed to explain how disputed information was verified, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ).

Failure to Correct Known Errors The CRAs continue to report incorrect addresses ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  a police department ) which I never resided at. I have lived at XXXX XXXX XXXX, XXXX XXXX  continuously since XXXX. Continuing to associate fraudulent addresses constitutes willful misreporting. 

Recent CFPB Enforcement Actions show a clear pattern of CRA misconduct : CFPB v. Equifax ( XXXX ) fined for inadequate investigations and disclosures. 

CFPB XXXX XXXX XXXX XXXX XXXX penalized for failure to provide full file disclosures and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint against XXXX, XXXX, TransUnion, and XXXX for systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related CFPB rules, and controlling case law.

Despite multiple disputes and prior complaints, the CRAs continue to report unverified and fraudulent accounts allegedly tied to my name ( including, but not limited to, accounts furnished by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ). These accounts were previously disputed, yet the CRAs failed to conduct proper investigations as required by FCRA 611 ( a ) and instead relied on furnishers automated responses through e-OSCAR ( parroting ), which courts have consistently held to be unlawful. 

Violations include : Failure to Conduct Reasonable Investigations By merely parroting furnishers, the XXXX violated : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to Provide Full File Disclosure ( FFRD ) Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ), CRAs must disclose all information in my file, including internal codes, source data, and method of verification. Instead, they provided only standard consumer-facing reports. This is a direct violation of : XXXX v. Experian, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX Equifax, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Failure to Provide Method of Verification CRAs failed to explain how disputed information was verified, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ).

Failure to Correct Known Errors The CRAs continue to report incorrect addresses ( e.g., XXXX XXXX XXXX, XXXX XXXX  a post office ; XXXX XXXX XXXX, XXXX XXXX  a police department ) which I never resided at. I have lived at XXXX XXXX XXXX, XXXX XXXX  continuously since XXXX. Continuing to associate fraudulent addresses constitutes willful misreporting. 

Recent CFPB Enforcement Actions show a clear pattern of CRA misconduct : CFPB XXXX Equifax ( XXXX ) fined for inadequate investigations and disclosures. 

CFPB v. Experian ( XXXX ) penalized for failure to provide full file disclosures and deceptive practices.

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 2025-08-21 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/25 XXXX and XXXX Cap 1 restricted my account after I made a payment from my XXXX  account which Ive been using to make their payments for over a year. I called the number on the card. The fraud dept said I need to agree to a one time access code to be sent. I agreed to have them send the code but not to giving then permanent access to my wireless carrier and devices for the lifetime of my account. The code is a one time thing. The first lady XXXX sent the code but then she wanted to call my banks ( plural ) and have me verify my details over the phone. I told her I would call the banks and merge the calls. She refused. I ended the call and googled and it said to contact the ftc. That was a red flag and they shouldnt be doing that. 
I called my bank kept the agent on the phone, called the nr on the back of the card again, spoke to XXXX, she acted normal so my bank agent left. XXXX put me through to XXXX who said he would put me thru to his supervisor who was american and based in usa. He put me thru to XXXX who was also in XXXX XXXX and based on the wind sound over the mic, either working outside or near a window letting wind gusts through. 
XXXX promised to help but then refused to at the text msg part when I said I agree to one time permission to send me a code and not permanent access to my account and all devices for the lifetime of the cap one account bcos my account contains all my family on there and their devices contain their access to their school and work accounts etc. XXXX said I wasnt agreeing so he wouldnt send the code. I said I agree to one time access code and send the code. I agree to everything prior to permanent access to my wireless carrier and that their legal and scripting team needed to fix the wording on that. He refused. I told him next he was going to ask for drivers license ss card etc cos XXXX had done the same and then they want to contact the bank from their end which I cant verify what number theyre calling and if it is indeed my bank and I must give all my bank info. I asked him to send me the text code scripting via email. He wouldnt. I asked to speak to legal. He said they dont have a legal department. My husband was also on the phone cos hes the primary. We both said, Capital one doesnt have a legal department? And he hung up. Can someone please help us?! This is highly suspect. 

We cant use the card and its what we use for business. I asked for a reconciliation and for XXXX to close it and he said I will keep getting statements. 

This is what happens if I call XXXX which is the number on the back of the cap one card and on their website. 

I need help. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I successfully referred my father to the Chase Sapphire Preferred card from my Chase Sapphire Reserve card back in XXXX and he was approved on XX/XX/year>. Chase has NOT paid me my referral bonus of XXXX XXXX Rewards points. I watched my father throughout the entire referral and card application process so I can confirm everything was performed correctly. I have referred others successfully in the past and have NEVER made a mistake. Therefore, I know exactly what I am doing and I did NOT make any mistakes this time around. I have already provided Chase with my father 's last XXXX digits of his new card, along with his full name, zip code and phone number, as requested. I provided this information via Secured Message and also via telephone call to a live agent. Chase told me the referral bonus would be credited to me within XXXX weeks of my father 's card approval date. This has failed to happen within their stated timeframe and Chase keeps trying to stall and push back the payout date. Currently, I do NOT see XXXX bonus points pending in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 XXXX 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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-08-21 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: VA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-08-21 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: PA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$950.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still showing on my credit report this morning. Even after refreshing my browser, nothing has been corrected. I demand that the documents I submitted be reviewed thoroughly so this issue is fixed immediately and I no longer have to stress about it.

Company response to consumer: Closed with non-monetary relief