vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX regarding a collection account reported under account number XXXX. First and foremost, this is not an admission that I owe any debt. I do not acknowledge ownership of this debt, and I dispute its validity. Upon reviewing this account, I noticed it is listed as an individual debt. However, this same collection account is being reported on both my credit report and my brothers, despite it not being a joint account. This appears to be a case of duplicate or inaccurate reporting, and it is damaging to both of our credit files. On XX/XX/year>, my brother contacted XXXX XXXX XXXX on our behalf in an attempt to resolve this matter. During the call, he made a pay-for-delete offer, which is a standard and legal negotiation where a debt collector agrees to request deletion from the credit bureaus upon payment. The representative from XXXX XXXX XXXX falsely stated that they " can not ask the credit bureaus to delete the account, '' which is untrue and intentionally misleading. Debt collectors are under no obligation to report accounts to the credit bureaus and when they choose to report, they are required to report accurately. Furthermore, they can absolutely request deletion at their discretion, and many collectors do this routinely. To summarize : The account is marked individual but is reported to both my and my brothers credit files. We are not admitting ownership of this debt. We were given false and misleading information during a negotiation attempt.This inaccurate reporting is causing unfair harm to our financial standing. I respectfully request that the CFPB investigate XXXX XXXX XXXX and require the following : Immediate deletion of this account from both credit reports due to duplicate and inaccurate reporting. Accountability for the false statement made on the XX/XX/year> call regarding their ability to request deletion. 
Thank you for your time and attention to this complaint.

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 2025-06-30 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: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX regarding a collection account reported under account number XXXX. First and foremost, this is not an admission that I owe any debt. I do not acknowledge ownership of this debt, and I dispute its validity. Upon reviewing this account, I noticed it is listed as an individual debt. However, this same collection account is being reported on both my credit report and my brothers, despite it not being a joint account. This appears to be a case of duplicate or inaccurate reporting, and it is damaging to both of our credit files. On XX/XX/year>, my brother contacted XXXX XXXX XXXX on our behalf in an attempt to resolve this matter. During the call, he made a pay-for-delete offer, which is a standard and legal negotiation where a debt collector agrees to request deletion from the credit bureaus upon payment. The representative from XXXX XXXX XXXX falsely stated that they " can not ask the credit bureaus to delete the account, '' which is untrue and intentionally misleading. Debt collectors are under no obligation to report accounts to the credit bureaus and when they choose to report, they are required to report accurately. Furthermore, they can absolutely request deletion at their discretion, and many collectors do this routinely. To summarize : The account is marked individual but is reported to both my and my brothers credit files. We are not admitting ownership of this debt. We were given false and misleading information during a negotiation attempt.This inaccurate reporting is causing unfair harm to our financial standing. I respectfully request that the CFPB investigate XXXX XXXX XXXX and require the following : Immediate deletion of this account from both credit reports due to duplicate and inaccurate reporting. Accountability for the false statement made on the XX/XX/year> call regarding their ability to request deletion. 
Thank you for your time and attention to this complaint.

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 2025-06-30 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: KY

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 non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX ] - Creditor Name : [ XXXX XXXX XXXX XXXX - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: WA

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-30 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: NJ

Complaint narrative:
I write as a XXXX XXXX resident and wrongful impersonation victim under XXXX. XXXX. Fraudsters have opened multiple credit accounts in my name without authorization, harming my credit and exposing your agencys failure to verify permissible purpose and proper identity authentication. The fraudulent tradelines you report are as follows : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$3600.00} XXXX. XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$16000.00} XXXX. XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$78.00} XXXX. XXXXXXXX XXXX XXXX Opened XX/XX/XXXX {$94.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$240.00} XXXX. XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$78.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ), you must delete fraudulent entries upon receipt of a valid identity theft report. Section 1681b permits disclosure of credit data only for a permissible purpose, which can not include phantom accounts opened by identity thieves.15 U.S.C . 1681c-2 ( a ) ; 15 U.S.C. 1681bXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX to XXXX ) entitles consumers to place a security freeze on credit files and obligates credit furnishers and CRAs to destroy or block access to personal data that is no longer needed or is fraudulent.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In 2025, we opened a business checking account with Bank of America. We were pushed into their XXXX system without an explanation of its requirements. It does not suit our needs. 

On XX/XX/year>, we requested a cancellation of positive pay on our account. It was denied due to an incorrect request. Another formal request was issued on XX/XX/year> on company letterhead. Positive pay was still not turned off resulting in several cancelled payments to vendors. 

We've been in contact with representatives at the bank almost constantly for the last several weeks via phone calls and emails. We've been given the run around constantly, told positive pay has been disabled, kicked out of XXXX, and we're now completely unable to access our funds of over {$200000.00} currently in the account. 

They have lied, deceived, and proven to be wildly incompetent or criminal.

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 2025-06-30 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-30 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirm ng that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
To Whom It May Concern, I am writing to formally dispute XXXX late payments reported on my credit report for the account listed below. I have thoroughly reviewed my payment history and can confirm that I have never been late on this account. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As mandated under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are required to ensure the maximum possible accuracy of the information they report. The late payments in question are incorrect, and I am requesting that you conduct a thorough investigation into this matter. 

Please provide documentation that validates the reported late payments. If no such proof can be provided, I demand that these inaccurate entries be removed or corrected immediately to reflect on-time payment history, as required by law.

Thank you for your prompt attention to this matter. I look forward to receiving a response within the 30-day timeframe allowed under the FCRA.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am experiencing persistent issues with my Chase Sapphire Reserve credit card, which is repeatedly declined, leading to my account being blocked. This has become a frequent occurrence, requiring me to contact Chase customer service multiple times per week to unblock the card. 

Despite these frequent calls, no clear explanation has been provided by Chase representatives regarding the cause of these declines and blocks, nor have I been offered any solutions or advice on how to prevent them from happening. This situation is particularly frustrating given the {$550.00} annual fee associated with the Chase Sapphire Reserve card, as I am unable to consistently use the card for its intended purpose. 

These recurring issues and the time spent resolving them are unprofessional and unacceptable. I expect a premium card like the Chase Sapphire Reserve to function reliably and for Chase to provide clear guidance on how to avoid these ongoing disruptions. 

Actions Taken : Ongoing : Repeated calls to Chase customer service ( multiple times per week ) to unblock the account. 

Ongoing : Attempts to use the card for various transactions, which are frequently declined. 

I have not been given specific dates or amounts by Chase that triggered these blocks, as the company has not provided a clear explanation for the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is inaccurate personal information on my TransUnion credit report that needs to be corrected. It includes outdated address entries that I no longer reside at and employer information that is completely incorrect. These must be removed and updated immediately. The addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are outdated and should be permanently deleted from my file. My only current and accurate address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and that is the only address that should appear in my report. Additionally, the employment section is inaccurate. My current employer is XXXX XXXX XXXX, and that is the only employer that should be listed. Any other employers appearing on my credit report, including XXXXXXXX XXXX XXXX, are incorrect and must be deleted. Under the Fair Credit Reporting Act, 15 USC 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Under 15 USC 1681i, I have the right to dispute any incorrect data and request a proper reinvestigation. These errors may lead to delays in credit applications and identity verification. Im requesting immediate removal of all inaccurate personal information, along with written confirmation and an updated copy of my report once corrected.

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 2025-06-30 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 Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation