vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm cause
d.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I am disputing the late payments reported on my auto loan with XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX 

I was never late on this account, and under the FCRA, credit bureaus must ensure maximum accuracy. I request that you investigate and provide proof of these late payments. If no proof can be provided, the account should be updated to show on-time payments.

This account was active during the COVID-19 disaster period, so late payment reporting may also violate the CARES Act.

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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Subject : Identity Theft and Fraudulent Account with XXXX XXXX XXXX ( XXXX XXXX Dear Consumer Financial Protection Bureau, This complaint concerns identity theft resulting in a fraudulent utility account with XXXX XXXX XXXX ( XXXX ) in the name of XXXX XXXX. This account was opened in XX/XX/year> without authorization. 
Background : In or around XX/XX/year>, a utility account was opened with XXXX XXXX XXXX ( XXXX ) using XXXX XXXX 's stolen identity. 
This fraudulent account is negatively affecting XXXX XXXX 's credit reports. 
XXXX XXXX has disputed this fraudulent activity with XXXX and credit reporting agencies, but the issue remains unresolved. 
Desired Resolution : The CFPB is requested to investigate this matter and work with XXXX XXXX XXXX and the relevant credit reporting agencies to remove the fraudulent XXXX account from XXXX XXXX 's credit reports. 

1. I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX  {$320.00} XXXX. XXXX XXXX XXXX I have been dealing with the issue for years. I have had to fight traffic tickets and bad dead. A person has been using my info for over 7 years Previous Actions Taken : XXXX XXXX contacted XXXX XXXX XXXX to dispute the account and inform them of the identity theft. 
[ Describe any disputes filed with credit bureaus ] Disputes have been filed with the credit reporting agencies ( XXXX XXXX XXXX  ) to remove the fraudulent account from his credit reports. 
Conclusion : The CFPB is respectfully requested to review this complaint and take action to correct XXXX XXXX 's credit reports and ensure he is not held responsible for the fraudulent XXXX XXXX XXXX utility account opened due to identity theft. 
Thank you for your time and assistance. 

Sincerely, 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 2025-06-29 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: CL Holdings LLC
State: IL

Complaint narrative:
I Have no knowledge of these companys also my bankruptcy is over 7 years old and should be removed along with any acount associated with it.

1 ) Jeffcapsys XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the Chase Sapphire Reserve card on XX/XX/year> using a referral link that clearly stated I would receive a XXXX point signup bonus. At no point during the application was there any mention of a XXXX point bonus. 

My application was acknowledged by Chase well within the official timeframe when the XXXX point offer was available. I have screenshots and timestamps confirming this. 

I spent over an hour during the application process and was transferred more than XXXX and now being told no such offer above XXXX is available. I also was unable to access the {$150.00} XXXX benefit that was promoted as part of the card benefits during this window due to unclear activation steps and timing. 

Chase has denied my request to correct the signup bonus, stating I only qualified for XXXX points despite no such offer being visible during application. I am requesting that they honor the XXXX points that were advertised when I applied and offer appropriate consideration for the XXXX credit and the customer service delays I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
My name is XXXX XXXX ; I am an upstanding Texas consumer. I am submitting this notice under oath to inform you that there are material misstatements and unauthorized trade lines on my consumer reports resulting from Equifax Data Breach ( Case No. 1:17md02800 ). These trade lines were reported as a result of identity theft, and the placement of this materially false information violates my rights under the following federal laws : 15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2 ( a ), credit agencies must remove information obtained through identity theft once they get an appropriate report. I believe that the entries below on my credit report are outdated, time barred, fraudulent and made through unfair means : XXXX. Fraudulent XXXX XXXX XXXX XXXX Balance : {$590.00} : Account XXXXXXXX XXXX Fraudulent : XXXX XXXX : Balance : {$310.00} : Account XXXX XXXX Fraudulent : XXXX XXXX : Balance {$26000.00} : Account XXXX XXXX Fraudulent : XXXX XXXX : Balance : {$23000.00} : Account XXXX XXXX XXXX XXXX : Balance : {$960.00} : Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
b'CFPB Complaint Letter\nConsumer: XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXCompany: Lockhart, Morris & Montgomery\nAccount in Question: Alleged XXXX XXXX XXXX XXXX\nSummary of Complaint:\nI am filing this complaint because Lockhart, Morris & Montgomery has reported a debt to the credit bureaus that I previously disputed through a formal Debt Validation Notice, sent via USPS Priority Mail with tracking numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nGrounds for Complaint:\nNo Debt Validation Received:\nAs of today, I have not received proper debt validation in response to my written request. Under the Fair Debt Collection Practices Act (FDCPA), they are legally obligated to provide written proof of the original creditor, contract, breakdown of charges, and chain of assignment. They have not done so.\n\nFalse or Misleading Reporting (FCRA Violation):\nThis debt is being misrepresented as an education loan, which it is not. The loan was issued directly by XXXX XXXX as XXXX XXXX XXXX XXXX XXXX, where I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not a federal or private student loan, nor was it used at an accredited school. Misclassifying this debt could lead to improper coding and negative weight on my credit file.\n\nIncorrect Balance/Charges:\nWhen I left XXXX I owed approximately XXXX on the XXXX XXXX However, Lockhart, Morris & Montgomery is reporting a significantly higher amount, which does not match the final deduction records from XXXX I believe they are adding unauthorized interest or fees.\n\nCredit Damage:\nAs a result of their failure to validate and inaccurate reporting, my credit score has dropped from XXXX XXXX XXXX  harming my ability to secure housing, refinance, or obtain insurance. This was done without verifying the debt as required by law.\n\nResolution Sought:\nImmediate removal of this account from all credit reporting agencies until full validation is provided.\n\nA full and itemized debt validation letter as required by 15 U.S.C.  1692g.\n\nCorrection of the debt classification if reporting continues  it should not be labeled as an education loan.\n\nCease all collection activity until compliance with federal law is fulfilled.\n\nSupporting Evidence Attached:\nUSPS eReceipt showing delivery confirmation of debt validation letter\n\nCopies of tracking numbers for all letters sent\n\nSummary of the nature of the alleged XXXX XXXXoan arrangement\n\nI have attached copies of my master file it has several accounts that are in violation.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
Repeated phone calls XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX Unverified debt Link in description is not valid ( XXXX ) Identified only as XXXX XXXX XXXX, XXXX XXXX TN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau
State: VA

Complaint narrative:
I am disputing a debt placed in collections by a modeling agency I signed up with several years ago. The service was advertised as a modeling course that included online and in-person training. 

Due to personal circumstances, I was never able to attend or participate in any part of the program. I never accessed the online portal or received any instruction or benefit from the services they offered. Despite this, I was charged the full amount and the account was eventually sent to collections.

I do not believe it is fair or appropriate to be held financially responsible for services I never received or used. I had no interaction with the program after the initial signup, and the charges appear to be based solely on enrollment, not actual service provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage account opened at XXXX XXXX on XX/XX/year> under the account number XXXX XXXX XXXX XXXX XXXX This accounts have resulted in several fraudulent remarks appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-06-29 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$520.00} and XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$620.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hereby address my complain t directly to all pertinent credit reporting agencies, XXXX, XXXX, and XXXX XXXX respectively. Any financial institution or collection agency, including debt buyers must have a subscriber agreement with all agencies. They must as part of that agreement abide by the regulations in place through the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Fair and Accurate Credit Transactions Act. XXXX XXXX was given all documentation pertaining to an identity theft account that was procured in XXXX by my former husband. This account still shows a {$15000.00} balance, even though it went into default in XXXX. However, I submitted the proper documentation to offset this account and have it removed permanently as my rights under the three federal laws in place. Accordingly, Military has violated their subscriber agreement with each credit bureau and should be fined and/or sanctioned by the Consumer Financial Protection Bureau XXXX and their subscriber agreement should be rescinded. XXXX XXXX responded as follows : XXXX XXXX XXXX, Thank you for contacting the Exchange credit report. After review, your XXXX XXXX account charged over to collections XX/XX/XXXX, due to missed payments. We empathize with your situation and understand your concern. Unfortunately, we can not remove the account from your credit report. This account will remain on your credit report seven years after the last activity date. If the negativity is still shown on your credit report after this period, please contact that specific bureau and request an account update. Your account should automatically fall off your credit report seven years from the date of the delinquent date, XX/XX/XXXX. Currently, your debt is being handled by our 3rd party XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ). Please contact XXXX at XXXX regarding your current balance and all other payment arrangements. If you have any further questions about your account, please feel free to contact our collections department at XXXX or email XXXX. Thank you for your service and have a great day. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our online store! XXXX XXXXXXXX XXXX does not get a pass on following the rules. XXXX XXXX even refused to acknowledge my identity theft complaint filed with the Federal Trade Commission, even though they previously requested it. Therefore, I respectfully request all credit reporting agencies, along with the Consumer Financial Protection Bureau to enforce my rights under the Fair and Accurate Credit Transactions Act, and to delete all Military Star tradelines accordingly. 

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 2025-06-29 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: NC

Complaint narrative:
I reviewed all three of my credit reports and identified a tremendous number of fcra violations. According to the FCRA, this is a violation of the FCRA laws therefore, with the proof that I have attached, the creditor is required to delete this account from credit reports due to violating FCRA guidelines. 

On the attached documents, I have highlighted the areas of this discrepancies on all three credit reports. 

On ( XXXX  ) it shows the the account has no data reported for XX/XX/XXXX and XXXX and XX/XX/XXXX. On XXXX it shows 90 days past due for XX/XX/XXXX and charge off on XX/XX/XXXX From XXXX XXXX XXXX its reporting as a charge off On Equifax it shows the account has no data on XX/XX/XXXX, but shows 120 days past due on XXXX 
On ( XXXX ) it shows 120 days past due for XXXX and XX/XX/XXXX. 
On ( Equifax ) it shows no data in XX/XX/XXXX and 150 days past due on XX/XX/XXXX Equifax On ( XXXX  ) it shows 30 days past due for XX/XX/XXXX and 60 days past due XX/XX/XXXX. On ( Equifax ) it shows 60 days past due for XX/XX/XXXX and 90 days past due on XXXX. 

These are all tremendous amounts of inaccuracies errors and FCRA violations! 
The creditor has had more than enough time to report accurate information has failed to do so therefore, I am requesting removal of the accounts due to violation of my consumer rights and due to violations of the FCRA Laws!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX and a mobile account at XXXX XXXX XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries which are XXXX  on XXXXXXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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