vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Today, XX/XX/year>, I was locked out of my Chase Bank online account. I believe I was locked out because I used my card the day before and I do not use the card often. Problem started when I logged in to my account and I was forced to call to verify my identity. I called the number on the website, which was not the same number on the back of my card, nor their fraud department number. So when the customer service representative asked to send me a one time passcode and to verify my identity, I said sure, thinking I was going to enter that number into the website to verify myself as Chase was able to verify my number. 

But when the text message says they will never call and ask for the passcode, and Chase continued to ask me the passcode to verify me I refused. When I refused to read them the passcode, I experienced many different responses each of the 7 times I called in and was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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  Balance : {$7000.00} ; DP OF EDUC XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} ; XXXX XXXX XX/XX/year> ; XXXX  XX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the validity of the disputed information within 30 days. Furthermore, if the disputed information is the result of a data breach, it must be deleted or blocked within 4 business days of receiving this notice. If the validity of the item can not be verified, you are legally obligated to remove it from my credit report. I have submitted an affidavit attesting that my credit file contains fraudulent accounts and unauthorized inquiries. Therefore, I strongly urge you to delete or block the disputed items promptly to avoid further escalation. Should you fail to verify the disputed information in compliance with the FCRA and continue to report it, I will be compelled to pursue legal action for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, I have enclosed a copy of this provision. This statute gives me the right to initiate a lawsuit in any competent state or federal court, including small claims court. I hope this matter can be resolved promptly and without further complications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRespond to EQUIFAX \nI XXXX XXXX WILL SEND THIS INFORMATION BELOW EQUIFAX HAD REQUESTED!\n\nDear XXXX XXXX:\nWe have received your request concerning inaccurate information on your Equifax credit file.\nWe were unable to locate a credit file in our database with the identification information you provided, In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number and Date of Birth. We ask that you please send us a copy of two different items - one from each of the two categories listed below. One item will verify your identity and the other will verify your current address.\nCategory 1) IDENTIFICATION\nPlease make a copy of one of the following items.\nThe item you choose MUST contain your complete 9-digit Social Security number.\nPay stub with complete U.S. Social Security number W-2 form with complete U.S. Social Security number\nValid Social Security Card\nNote: A 'Work Permit Only' card is not valid proof of a SSN.\nCategory 2) CURRENT ADDRESS\nPlease make a copy of one of the following items.\nThe item you choose MUST contain your current mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\nDriver's license\nRental/lease agreement or house deed\nPay stub with address\n Utility bill (i.e. gas, electric, water, cable, residential telephone bill) with current service address.\nAgain, we need a total of two items - one item from each of the categories above - to process your request.\nPlease submit those items along with this letter to the following address:\nEquifax Information Services LLC\nXXXX XXXX XXXX XXXX XXXX\nTo ensure that your request is processed without delay, please enlarge photocopies and ensure the information is legible. Illegible documents or documents that contain highlights may cause delay in processing as we may have to ask you to resubmit your request with more legible documents.\nPlease return this letter along with the requested information and your original correspondence/request to the address below.\nEquifax Information Services LLC\nXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cashapp closed my account supposedly violated their terms or service which I don't know how

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
To XXXX XXXX XXXX XXXX for account # XXXX this is now my 3rd time filing a complaint. 

Thank you for your response regarding the charged-off account with a reported balance of {$4900.00}. However, I am formally disputing your position and requesting clarification and compliance with federal regulations. 

While you state the debt was charged off and not canceled or forgiven, a charge-off is, by definition, an accounting action in which a creditor has determined the debt is unlikely to be collected and has removed it from its books as a receivable asset. This action often coincides with a cessation or significant reduction in collection efforts, which may trigger IRS reporting requirements under certain conditions.

According to IRS Form 1099-C Instructions and Treasury Regulation 1.6050P-1, a creditor is required to file Form 1099-C for cancellation of indebtedness of {$600.00} or more if any of the following identifiable events occur, including but not limited to : A discharge of indebtedness in bankruptcy, A settlement or agreement to discharge the debt, A decision or policy to discontinue collection activity, A significant period of non-payment ( more than 36 months ) suggesting abandonment of the debt. 

You have acknowledged that the account was charged off in XX/XX/year>, and no valid payments have been received since XX/XX/year>, with attempted payments returned due to insufficient funds. If there has been no meaningful collection activity since that time, it may fall within the IRSs definition of an abandonment of collection efforts.

I am requesting the following : 1. Proof of ongoing collection efforts since XX/XX/year> to substantiate your claim that the debt remains actively pursued. 
2. Written policy documentation outlining your criteria and timeline for issuing Form 1099-C, in accordance with IRS regulations .

3. If the account has been transferred or sold, identify the current owner or collection agency with full contact details.

Please be advised that under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I reserve my right to dispute the validity and reporting of this debt. Failure to validate and/or correct inaccurate information may constitute a violation of federal law.

I request your full compliance within 15 days of this letter. If not, I will escalate this matter to the the IRS, and other relevant authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX a victim of identity theft demand the removal and deletion of listed accounts : XXXX XXXX  Account XXXX Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Date Opened XXXX I am submitting this complaint because a credit reporting company failed to block fraudulent information from my credit report as required under Section 605B of the Fair Credit Reporting Act. 

I am a victim of identity theft and have provided all the required documentation under FCRA 605B to the credit bureau, including : A copy of a valid government-issued ID ; A copy of a police report or FTC Identity Theft Report documenting the identity theft ; A written statement identifying the specific fraudulent items and requesting the blocking of such information. 

Despite providing these documents and making the request on [ insert date ], the credit bureau has failed to block the disputed information within the required 4-business-day window or has reinserted the information without providing proper notice, which violates FCRA Section 605B.

As a result, the fraudulent information remains on my credit report and is negatively affecting my creditworthiness, including being denied credit and/or receiving unfavorable terms due to the presence of accounts or inquiries that are not mine. 

I am requesting that the CFPB take action to ensure the credit reporting agency complies with its legal obligations under FCRA 605B and immediately and permanently block the fraudulent information from 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 2025-06-10 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: MI

Complaint narrative:
XXXX XXXX a victim of identity theft demand the removal and deletion of listed accounts : XXXX XXXX  Account XXXX Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Date Opened XXXX I am submitting this complaint because a credit reporting company failed to block fraudulent information from my credit report as required under Section 605B of the Fair Credit Reporting Act. 

I am a victim of identity theft and have provided all the required documentation under FCRA 605B to the credit bureau, including : A copy of a valid government-issued ID ; A copy of a police report or FTC Identity Theft Report documenting the identity theft ; A written statement identifying the specific fraudulent items and requesting the blocking of such information. 

Despite providing these documents and making the request on [ insert date ], the credit bureau has failed to block the disputed information within the required 4-business-day window or has reinserted the information without providing proper notice, which violates FCRA Section 605B.

As a result, the fraudulent information remains on my credit report and is negatively affecting my creditworthiness, including being denied credit and/or receiving unfavorable terms due to the presence of accounts or inquiries that are not mine. 

I am requesting that the CFPB take action to ensure the credit reporting agency complies with its legal obligations under FCRA 605B and immediately and permanently block the fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am disputing the accuracy of the information on my Equifax Credit report reported by XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Account # XXXX I am unaware of this debt and did not authorize this. I've never had a contract with this debt collector for any debt. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-10 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Loan type : credit card Credit limit : {$3500.00} from XX/XX/XXXX to XX/XX/XXXX High balance : {$1700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1900.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3200.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3300.00} from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Loan type : credit card Credit limit : {$5000.00} from XX/XX/XXXX to XX/XX/XXXX High balance : {$170.00} from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Loan type : credit card Credit limit : {$1600.00} from XX/XX/XXXX to XX/XX/XXXX High balance : {$1200.00} from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Loan type : credit card Credit limit : {$2400.00} from XX/XX/XXXX to XX/XX/XXXX High balance : {$1000.00} from XX/XX/XXXX to XX/XX/XXXX I did not open, authorize, or benefit from either of these accounts. I was a XXXX in XXXX when these first three accounts was opened, and I have no knowledge or record of authorizing either credit line. These are clear instances of identity theft and credit fraud. 
XXXX XXXX lists all four accounts as terminated two accounts ( XXXX XXXX ) one account ( XX/XX/XXXX ) and the last account ( XX/XX/XXXX ), yet they continue to appear as derogatory items on my credit report, negatively impacting my score and financial reputation.

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