vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I went into Chase Bank in XXXX XXXX, California and requested to initiate an international wire transfer for {$15000.00} from my account. 
Within one minute after the wire was sent, I came upon information that led me to believe that the intended recipient was a fraud. I immediately asked the banker to cancel the wire. The Chase banker immediately called his wire department and fraud department, and I was immediately issued a Case number before I left the branch. 
As the wire recall was immediate ( and the local time at XXXX XXXXXXXX XXXX  was XXXX XXXX ) the fraudulent recipient could not have received, and did not receive, the money. Being that the recall was so fast and no harm was done, I believed, of course, that the funds would immediately be returned to my account. 
Chase Bank has refused to work with XXXXXXXX XXXX to retrieve the {$15000.00}. I have written multiple demand letters to Chase Bank, placed at least a dozen calls to them, and visited the branch multiple times in an attempt to resolve this issue. XXXX requires an Indemnity form from Chase Bank in order to release the funds back to me. Chase Bank has never sent me any written correspondence, including email, regarding this issue they will only talk to me verbally. Chase Bank has verbally told me that they do not provide Indemnity forms for international transactions, only for domestic transactions. 
However, as per Chases own wire transfer agreement, all wire transfers include an indemnity clause, signed by the sender at the time of the transaction. I completed this process and was not permitted to send the wire without signing the indemnity section of the transfer form. Chase therefore already holds the authority to provide XXXX with the indemnification required to complete the recall and return of funds but simply refuses to do so. 
The same indemnity clause protects Chase from liability arising from third-party claims, except in cases of negligence or willful misconduct. Chase Bank has willfully obstructed me from receiving my money back, particularly given the clarity of the situation provided by XXXX. 
It has been nearly eight months that Chase Bank has refused to provide XXXX with the Indemnity form so that I can have XXXX wire the {$15000.00} back to my Chase account. 
Accordingly, I demand that Chase Bank immediately transmit a properly executed indemnity form to XXXXXXXX XXXX  via the appropriate SWIFT and/or official channel and confirm in writing within five ( 5 ) business days that this has been completed by providing proof of transmission and follow through to return the {$15000.00} to my account as soon as XXXX confirms release. I also demand that Chase Bank fully agree to cooperate in retrieving my funds without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I viewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am a consumer by law and my information was misused. I listed below the item with a discrepancy that indicates the company name, balance, and date of the last report : Account Name XXXX XXXX Bankruptcy XXXX {$0.00} Date XX/XX/year>

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 2025-07-09 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this asking for chain of custody and signed promissory note. Equifax keeps updating it as verified and thats not true. Equifax resolved it as verified in less than 24 hrs, impossible!

* * These accounts continue to report inaccurate and inconsistent balances, past-due amounts, and date-of-last-payment fields. * * No supporting documentation has ever been provided by the furnisher to validate these claims.

Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report inaccurate information and must correct or delete any information that can not be verified.

* * I hereby demand the following : * * 1. Immediate deletion of the disputed accounts due to unverifiable data ; 2. A full summary of how your reinvestigation was conducted ; 3. Written documentation used to validate the information or deletion of the items if unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
I have disputed this asking for chain of custody and signed promissory note. XXXX  keeps updating it as verified and thats not true. XXXX  resolved it as verified in less than XXXX hrs, impossible! 

* * These accounts continue to report inaccurate and inconsistent balances, past-due amounts, and date-of-last-payment fields. * * No supporting documentation has ever been provided by the furnisher to validate these claims.

Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report inaccurate information and must correct or delete any information that can not be verified.

* * I hereby demand the following : * * 1. Immediate deletion of the disputed accounts due to unverifiable data ; 2. A full summary of how your reinvestigation was conducted ; XXXX. Written documentation used to validate the information or deletion of the items if unavailable.

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 2025-07-09 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: OH

Complaint narrative:
I have disputed this asking for chain of custody and signed promissory note. XXXX  keeps updating it as verified and thats not true. XXXX  resolved it as verified in less than XXXX hrs, impossible! 

* * These accounts continue to report inaccurate and inconsistent balances, past-due amounts, and date-of-last-payment fields. * * No supporting documentation has ever been provided by the furnisher to validate these claims. 

Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report inaccurate information and must correct or delete any information that can not be verified.

* * I hereby demand the following : * * 1. Immediate deletion of the disputed accounts due to unverifiable data ; 2. A full summary of how your reinvestigation was conducted ; 3. Written documentation used to validate the information or deletion of the items if unavailable.

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 2025-07-09 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: SC

Complaint narrative:
RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-07-09 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc 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 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 2025-07-09 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
A new collection account from XXXX. XXXX XXXX was added to my credit report on XX/XX/year> for a balance of {$320.00}. I did not authorize, open, or validate this debt, and I have never received any written communication or debt validation notice from this company. This account appeared shortly after a previous fraudulent XXXX XXXX collection was already investigated and removed from my credit profile just last week. Its highly suspicious that another XXXX. XXXX  account appeared immediately after the first one was deleted, with a different balance. This feels like retaliation or an attempt to re-age the debt using a new account number. This violates multiple sections of the Fair Credit Reporting Act : 15 U.S. Code 1681e ( b ) The credit reporting agency and data furnisher are required to maintain maximum possible accuracy. 15 U.S. Code 1681i ( 5 ) Any account that is inaccurate, incomplete, or unverifiable must be deleted from the consumers file. This account is unverified, fraudulent, and inaccurate. I demand its immediate removal. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/year> Status : Collection account. {$320.00} past due as of XX/XX/year> Balance : {$320.00} Original Balance : {$320.00} Balance Updated : XX/XX/year> Recent Payment : None Monthly Payment : None

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Request for Validation of Debt Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. $ 1692g Dear Sir/Madam, I am writing to formally request validation of the debt that you claim I owe. Please note that this is not a refusal to pay, but a request for proof and clarification of the alleged debt, as provided under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
I have no knowledge of these XXXX collection accounts. I am a victim of identity theft this was not me that set these accounts up XXXX XXXX XXXX {$910.00} XX/XX/XXXX and complete credit solutions {$2500.00} XX/XX/XXXX have tried multiple times to dispute this information. and no resolution from XXXX XXXX. Complete credit solutions was removed from my XXXX XXXX, but not removed on my XXXX  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 2025-07-09 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: FL

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.

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 2025-07-09 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: AZ

Complaint narrative:
A new collection account from XXXX. XXXX XXXX was added to my credit report on XX/XX/year> for a balance of {$320.00}. I did not authorize, open, or validate this debt, and I have never received any written communication or debt validation notice from this company. This account appeared shortly after a previous fraudulent XXXX XXXX collection was already investigated and removed from my credit profile just last week. Its highly suspicious that another XXXX. XXXX  account appeared immediately after the first one was deleted, with a different balance. This feels like retaliation or an attempt to re-age the debt using a new account number. This violates multiple sections of the Fair Credit Reporting Act : 15 U.S. Code 1681e ( b ) The credit reporting agency and data furnisher are required to maintain maximum possible accuracy. 15 U.S. Code 1681i ( 5 ) Any account that is inaccurate, incomplete, or unverifiable must be deleted from the consumers file. This account is unverified, fraudulent, and inaccurate. I demand its immediate removal. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/year> Status : Collection account. {$320.00} past due as of XX/XX/year> Balance : {$320.00} Original Balance : {$320.00} Balance Updated : XX/XX/year> Recent Payment : None Monthly Payment : None

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