vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is knowingly reporting false, inaccurate, manipulated, and misleading information to XXXX  in violation of the Fair Credit Reporting Act and FDCPA. 

Attached screenshots show the following violations : XXXX XXXX XXXX  changed the Date Opened to XX/XX/XXXX, which is TWO YEARS after the Date of First Delinquency ( XX/XX/XXXX ). This is illegal re-aging under FCRA 623 ( a ) ( 5 ).

2. They are reporting the account as OPEN, even though this is a purchased charged-off account from XXXX XXXX. Debt buyers can not report purchased defaulted accounts as OPEN.

3. They are reporting the account as OVER 120 DAYS PAST DUE.

Debt buyers can not report past-due payments or delinquency on a closed/charged-off account. This is deceptive and violates FDCPA 807 and CFPB Regulation F.

4. They classified the account as a BANKING loan, which misrepresents the true nature of the debt.

5. They recently updated the account in XX/XX/XXXX, which artificially refreshes the account, damages my score, and creates the appearance of new delinquency. 

6. The Date of First Delinquency ( XXXX ) and the Date Opened ( XXXX ) do not match, which is a major inaccuracy and violates FCRA XXXX ( b ). 

These actions are misleading, deceptive, and harmful. I request that Portfolio Recoverys account be deleted entirely from my XXXX credit report due to clear violations of the FCRA and FDCPA.

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 card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
Re : Formal Dispute of Charge-Off - XXXX  XXXX Account : Account XXXX Amount : {$470.00} Re : Formal Dispute of Charge-Off - XXXXXXXX XXXX  Account : Account XXXX |Amount : {$2100.00} Re : Formal Dispute of Charge-Off - XXXX XXXX XXXX Account : Account XXXX Amount : {$2500.00} Re : Formal Dispute of Collection - XXXX XXXX XXXX Account : Account XXXX Amount : {$2500.00} Re : Formal Dispute of Charge-Off - XXXXXXXX XXXX  Account : Account XXXX Amount : {$930.00} This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). The above-referenced account is being reported with inaccurate, incomplete, and/or unverifiable information, which is a violation of : FCRA XXXX Maximum possible accuracy standard FCRA 607 ( b ) Duty to assure accuracy FCRA 609 ( a ) ( 1 ) Requirement to supply documentation upon request FCRA 611 ( a ) ( 1 ) ( A ) Mandated reinvestigation duty FCRA 623 ( a ) ( 1 ) ( A ) Prohibition of furnishing inaccurate information You are required to provide : All documentation containing my signature ; A complete Method of Verification under FCRA 611 ( a ) ( 7 ) ; Proof of permissible purpose under 15 U.S.C. 1681b. Failure to validate this account requires its immediate and permanent deletion.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
I am writing to formally report a concerning experience involving a loan refinancing process that I believe may constitute unfair lending practices and a potential bait-and-switch scheme.

I received an online offer to refinance my auto loan. I accepted the offer and began the application process. During this process, the loan company conducted multiple hard credit checks. Subsequently, they returned with a new offer that was significantly higher than the original offer I had accepted. The revised loan terms and amount did not appear reasonable or consistent with the initial offer that prompted me to apply.

This experience raises concerns that the initial offer was used as bait to attract applicants, only to be followed by unfavorable and substantially different terms, which I believe may constitute a deceptive or unfair practice.

I respectfully request that this matter be reviewed to ensure compliance with applicable laws and to prevent others from experiencing similar issues.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am submitting this complaint because JPMorgan Chase Bank , N.A . has failed to respond to my identity theft disputes and continues to report multiple fraudulent accounts that do not belong to me. 

Over 55 days ago, I sent Chase a formal written dispute regarding several accounts that were opened without my authorization. Along with my dispute, I included my FTC Identity Theft Report, proof of identity, and all supporting documentation confirming that I am a victim of identity theft. I requested full validation of each alleged debt and asked for the immediate removal of all fraudulent accounts from my credit file. 

To date, JPMorgan Chase has not provided any response, verification, or documentation supporting the validity of these accounts. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, Chase is legally required to conduct a reasonable investigation and provide validation within the mandated timeframe. Allowing more than 55 days to pass without any response is a direct violation of my consumer rights. 

These accounts do not belong to me, I did not authorize any of them, and I have supplied all required identity-theft documentation. Because Chase failed to investigate or validate the debts within the required timeframe, I am requesting that the CFPB intervene to ensure all fraudulent accounts and any related negative reporting are permanently removed. 

Chases failure to investigate is causing ongoing damage to my creditworthiness, financial stability, and my ability to secure essential services.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Please correct/update this inaccurate information on 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I have 5 - {$100.00} XXXX gift cards that I was gifted from a family member for the holidays and every time I use them they keep declining and put on hold for fraud then cancelled. And I call their customer service line they say tough luck only thing we can do is replace the cards and cancel the old ones and I can't use the card anywhere as it keeps declining and cancelling. {$500.00} wasted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MT

Complaint narrative:
b"I sent this information, and you sent back a message asking if I had heard from the Company.  NO, I HAVE NOT.\nPLEASE REFER TO XXXX sent as a complaint.\nOMB XXXX XXXXPlease help me. I have to close that account and pay my husband's funeral bills.\nRegards,\XXXX XXXX XXXX XXXX XXXX

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: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate accounts that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, a fraudulent transaction in the amount of {$2500.00} was posted to my XXXX XXXX, issued by XXXX XXXXXXXX XXXX. I promptly disputed this transaction, but my dispute was repeatedly closed without proper investigation, despite my providing supporting documentation. On XX/XX/XXXX, I received an email stating that my account had been closed due to a failure to comply with the terms of the Customer Agreement. I later confirmed via a XXXX XXXX representative that the account closure was a mistake, and they issued a {$250.00} goodwill credit as an acknowledgment of the error. 

However, after the account was closed, I was locked out of all XXXX XXXX servicesincluding access to statements, payment history, and XXXX XXXX though I remained enrolled in autopay and continued making timely payments. I made payments of {$91.00} on XX/XX/XXXX, {$2900.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. On XX/XX/XXXX, I received an email stating my account was past due by {$110.00}, which was confusing because I had made a payment just three days earlier. I contacted support and was told the payment had been reversed by my bank, which is completely false. I confirmed with XXXX XXXXXXXX XXXX that no such reversal took place, and I was never notified of any reversal by either XXXX XXXX XXXXXXXX or XXXX XXXX. 

To make matters worse, I could not access my statements or XXXX to verify anything myself, and XXXX XXXX delayed or ignored my multiple requests for copies of statements. I eventually received XXXX XXXX statement only after persistently requesting it. During this time, my credit score dropped nearly 200 points due to inaccurately reported late paymentsdespite being on autopay and actively making payments. I have screenshots and payment confirmations showing I attempted to stay current, but I was blocked from managing my account due to XXXX XXXX ' admitted account closure error. 

This has caused severe damage to my credit, emotional distress, and financial disruption. I have already submitted disputes to the credit bureaus and contacted XXXX XXXX directly. I am now seeking the CFPBs help to resolve this matter and to require XXXX XXXX to remove all inaccurate late payment reports from my credit history, correct my account information, and provide a written resolution. I believe XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( Reg Z ), Gramm-Leach-Bliley Act ( GLBA ), Unfair or Deceptive Acts and Practices ( UDAP ), and NY General Business Law 349.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, a fraudulent transaction in the amount of {$2500.00} was posted to my XXXX XXXX, issued by XXXX XXXX XXXX. I promptly disputed this transaction, but my dispute was repeatedly closed without proper investigation, despite my providing supporting documentation. On XX/XX/XXXX, I received an email stating that my account had been closed due to a failure to comply with the terms of the Customer Agreement. I later confirmed via a XXXX XXXX representative that the account closure was a mistake, and they issued a {$250.00} goodwill credit as an acknowledgment of the error. 

However, after the account was closed, I was locked out of all XXXX XXXX servicesincluding access to statements, payment history, and XXXX XXXX though I remained enrolled in autopay and continued making timely payments. I made payments of {$91.00} on XX/XX/XXXX, {$2900.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. On XX/XX/XXXX, I received an email stating my account was past due by {$110.00}, which was confusing because I had made a payment just three days earlier. I contacted support and was told the payment had been reversed by my bank, which is completely false. I confirmed with XXXX  XXXX XXXX that no such reversal took place, and I was never notified of any reversal by either XXXX  XXXX XXXX or XXXX XXXX. 

To make matters worse, I could not access my statements or XXXX to verify anything myself, and XXXX XXXX delayed or ignored my multiple requests for copies of statements. I eventually received XXXX XXXX statement only after persistently requesting it. During this time, my credit score dropped nearly XXXX points due to inaccurately reported late paymentsdespite being on autopay and actively making payments. I have screenshots and payment confirmations showing I attempted to stay current, but I was blocked from managing my account due to XXXX XXXX ' admitted account closure error. 

This has caused severe damage to my credit, emotional distress, and financial disruption. I have already submitted disputes to the credit bureaus and contacted XXXX XXXX directly. I am now seeking the CFPBs help to resolve this matter and to require XXXX XXXX to remove all inaccurate late payment reports from my credit history, correct my account information, and provide a written resolution. I believe XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( Reg Z ), Gramm-Leach-Bliley Act ( GLBA ), Unfair or Deceptive Acts and Practices ( UDAP ), and NY 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