vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to escalate my prior complaint regarding the mishandling of my recent Chase business line of credit application. Despite my companys long-standing and favorable banking relationship with Chase, this process has been characterized by inconsistent treatment, misleading explanations, and what appears to be misrepresentation of underwriting decisions. 

Facts of Record : I, XXXX XXXX, represent XXXX XXXX XXXX XXXX XXXX, a legally registered and actively operating business. 
I maintain a personal credit score exceeding XXXX and have had over {$180000.00} flowing through my Chase business checking account throughout the two years of banking with chase. 
XXXX XXXX XXXX XXXX has had a positive 2+ year relationship with Chase with no overdrafts, returned items, or delinquent history. 
Instead of being considered for the advertised no documentation unsecured line, I was directed to submit extensive documentation. 
The outcome was an insulting denied credit line application for {$220000.00} and an approval of only {$3000.00} business credit card limit, despite my established history, XXXX XXXX XXXX, have thousands of dollars flowing through the business accounts and the fact that I already hold a Chase business ink credit card of {$25000.00} approved over two years ago as soon as the account was open, under weaker financials than today. 

Recent Escalation Attempt : On XX/XX/year> at approximately XXXXXXXX XXXX I received a call from a Chase XXXX Back XXXX representative who identified herself only as XXXX ( no last name provided ). This call can be verified by internal phone logs. During that call, XXXX provided inaccurate and conflicting reasons for my credit denialreasons which do not align with my actual financial and banking profile. 

This raises the appearance that Chase is offering false or shifting denial rationales rather than a transparent explanation. Such conduct is not only unprofessional but could raise serious concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the requirements of USC 1681g, these invalid accounts must be removed within XXXX days.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement of any kind with this debt collector. A legal contract is signed by two parties and I did not partake in any such actions. More so, this company did not properly follow all the XXXX validation steps which makes this unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation and my rights have clearly been violated.

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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported on my credit file. I never authorized, opened, or used this account. Its reporting is false and unfairly harming my financial record.

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 2025-08-29 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: PA

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AK

Complaint narrative:
I am filing this complaint because all three credit bureaus are reporting a late payment history on my account with XXXX XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/year> ) even though this account has long been closed, paid in full, and carries a XXXX balance with no past due amount. This reporting is not only factually inaccurate but also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA requires consumer reporting agencies to maintain information that is accurate, complete, and not misleading. By continuing to report derogatory late payment notations on a paid and closed account, the bureaus are misrepresenting the true status of my credit obligations. Under 15 U.S.C. 1681e ( b ), the agencies must ensure maximum possible accuracy, yet this account is being reported in a way that implies I am delinquent or was delinquent when, in reality, the account was resolved properly and in good standing. 
I also exercised my right to dispute this error under 15 U.S.C. 1681i ( a ). However, the reinvestigation failed because the erroneous late payment markers were left intact. A proper reinvestigation requires the credit bureau to obtain verifiable evidence from the furnisher that the information is correct. Simply checking internal databases or echoing what was previously reported does not meet the legal threshold. Because the account reflects a XXXX balance and XXXX past due, there is no lawful basis for a late payment to remain attached to this file. 

This mistake has not been harmless. The lingering late payment on a paid account has dragged down my credit score for years. I was recently denied approval for a refinance on my auto loan, and the explanation letter from the lender specifically cited delinquency history. It has been humiliating and financially damaging to be penalized for something that is not accurate. I have had to pay higher insurance premiums and was even questioned by a potential employer during a background check because of this blemish. The toll on my peace of mind has been enormous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to USC 1681g, these unauthorized accounts must be deleted within 15 days.

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 2025-08-29 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: TX

Complaint narrative:
Experian is reporting inaccurate late payment information on my XXXX account, number XXXX XXXX XXXX XXXX XXXX  dated XX/XX/year>. This account is closed, yet Experian continues to display it as having derogatory late payment history. Once an account is closed with no outstanding obligations, it should not continue to reflect new or ongoing delinquency. The reporting creates the misleading impression that I am currently behind on a financial obligation that no longer exists. 

This inaccuracy violates the requirement that credit bureaus maintain maximum possible accuracy in consumer credit reporting. Instead of reflecting the true status of this account, Experian has allowed false late payments to remain on my file. I have already disputed this matter, yet the response I received was dismissive and failed to provide any substantive verification. Experian has clearly relied solely on the furnishers unverified data rather than conducting the reasonable reinvestigation that the law requires. 

The damage from this error has been significant. I recently applied for credit and was denied because the report created the false impression that I was delinquent on an account. Being portrayed as irresponsible with my finances when I have acted responsibly is both unfair and damaging. It is emotionally distressing to continually face the same error despite repeated attempts to correct it, and it has caused me unnecessary humiliation and frustration when dealing with lenders who assume the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is still reflecting inaccurate accounts that were not taken off. I need the documents Ive submitted to be properly reviewed so I can finally stop worrying about this recurring issue.

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 2025-08-29 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud with
in four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX  XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-29 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-29 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: DE

Complaint narrative:
I am filing a complaint against Equifax Information Services LLC for illegal reinsertion of a previously deleted account in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : Creditor : XXXX XXXX XXXX XXXX  Closed Date : XX/XX/XXXX Equifax Last Reported : XX/XX/XXXX This account was previously removed from my credit file after I disputed it for inaccurate reporting. However, Equifax reinserted the same account with derogatory information without providing me : Written notice within XXXX business days of the reinsertion, Verification documents from the furnisher, or Certification of accuracy as required by FCRA 1681i ( a ) ( XXXX ) ( B ). 

Equifax is reporting factually inaccurate information, including : A {$460.00} balance on a {$450.00} credit limit ( 102 % utilization ), Charge-off status and derogatory payment history years after the account was closed, Updated reporting dates in XXXX and XXXX, which constitutes illegal re-aging. 
FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i : Failure to conduct a proper reinvestigation.

FCRA 1681i ( a ) ( 5 ) ( B ) : Illegal reinsertion without notice to consumer.

FCRA 605 ( c ) : Re-aging of derogatory information beyond allowed reporting periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year>, my Wells Fargo account went negative. As soon as I received the low balance alert, I immediately sent a XXXX transfer at XXXX PM on the same day, which posted instantly and covered the transactions that had caused the overdraft. 

Despite this, Wells Fargo still charged me XXXX overdraft fees totaling {$70.00}. When I called customer service, the representative admitted that I did cover those XXXX transactions. However, she said my XXXX XXXX auto loan was later deducted, which pushed my account negative again, and because of that, the overdraft fees remained in place. 

Wells Fargos XXXX XXXX XXXX policy states that if an account is brought positive by the end of the same business day, overdraft fees will not be charged. I met this requirement my XXXX transfer brought my account positive well before cutoff yet I was still charged overdraft fees. 

Why I am filing : I covered my account with an instant XXXX transfer at XXXX PM on XX/XX/year>. 
Wells Fargo acknowledged that my transactions were covered. 
I was not notified that my XXXX XXXX auto loan would draft that same day, which pulled me negative again. 
The fees are inconsistent with Wells Fargos stated overdraft and grace period policies.

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 monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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