vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint because my mobile phone number has been blacklisted in the XXXX system due to it being previously tied to a closed Chase account. I now bank with XXXX  XXXX XXXX, but I can not use XXXX with my new account because Chase still has my phone number associated with their system and has not removed it. 

Since early XX/XX/year>, I have made repeated attempts to resolve this issue. I contacted XXXX and XXXX  XXXX XXXX, both of whom confirmed that the number is still tied to Chase and that only Chase can remove it. I then contacted Chase through their phone support, online message center, and XXXX support. I was transferred multiple times between departments including customer service, online support, and a so-called XXXX XXXX XXXX but no one has been willing to take responsibility or provide a solution. 

I provided my full name, phone number, previous ZIP code, and any verification details requested. Still, I was told they couldnt verify me or assist. Ive been given inconsistent information and told different things by different representativesyet my phone number remains blacklisted, and no one at Chase will take action to resolve it. 

XXXX support also told me that Chase is the only institution that can remove my number from their internal system, but Chase refuses to escalate or correct the issue. As a result, I have been unable to use a basic banking service ( XXXX XXXX for several weeks. 

I am requesting that Chase remove my mobile phone number from their XXXX system entirely so that I can register it with my current bank. I also request a formal explanation as to why my number was blacklisted and why no support team has resolved this issue after weeks of effort on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-24 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My identity was stolen and used to try and obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AZ

Complaint narrative:
While I was reviewing my credit profile I noticed this error and fraudulent account has posted to credit report. I am in the process of buying a house and this inaccurate account is hindering my ability to purchase my home. Please remove this item immediately, so i may move forward with the home buying process.

I was affected by the Equifax data breach and my information was leaked and I believe this account is due to Identify theft from that data breach.

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Equifax/Experian/TransUnion are reporting inaccurate personal information that appears on my credit report. The inaccurate information consists of my : Name Employment Address

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In XXXX, I missed two payments on my Home Equity Line of Credit ( HELOC ) with State Employees Credit Union ( SECU ) payments due XX/XX/XXXX and XX/XX/year>. This was not due to financial hardshipI had over {$10000.00} in my SECU checking and savings accounts at the time. The issue was that I was never properly notified that these payments were due. 

SECU did not send any emails, SMS texts, mobile app notifications, or online banking alerts. I check their app and website frequently, and at no point did I see any notice or warning of a missed payment. 

I only became aware of the missed payments after SECU reported them to the credit bureaus, which caused my credit score to drop by over 100 points. That credit bureau alert was the first and only indication I had that something was wrong. 

SECU later claimed they mailed physical notices and made two phone calls. However, I never received any of those letters at the time, and I have no voicemails or call records confirming I was contacted. More importantly, SECU failed to use reliable and modern notification methods like digital alerts or email, despite having my correct contact information and my frequent engagement with their app and online platform. 

SECUs own alert system requires manual enrollment and does not support HELOC accounts for digital alerts at all. This means there was no way for me to receive proactive digital notifications, despite being regularly logged into their platform. 

As soon as I discovered the issue through the credit report, I paid the full overdue amount immediately. I also submitted multiple written requests for a goodwill adjustment, explaining the lack of notice and my swift action once I became aware. These requests were denied using template responses that did not address the communication failure. 

This situation was not caused by financial irresponsibilityit was the result of SECUs failure to use modern and effective notification methods. I am requesting a one-time goodwill adjustment to remove or revise the negative credit reporting based on the lack of proper notice, my immediate repayment, and the severe credit score impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
The company did not provide details of accurate billing and payment information. I submitted several request to have this disputed with providing proof and have not recieved the detailed info of payments. Proper re-investigation was not done.

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 2025-04-24 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: CA

Complaint narrative:
The company did not provide details of accurate billing and payment information. I submitted several request to have this disputed with providing proof and have not recieved the detailed info of payments. Proper re-investigation was not done.

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 2025-04-24 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: CA

Complaint narrative:
The company did not provide details of accurate billing and payment information. I submitted several request to have this disputed with providing proof and have not recieved the detailed info of payments. Proper re-investigation was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST FINANCIAL BANCORP
State: WI

Complaint narrative:
Creditor Reporting Charged-Off Account as Open and Delinquent for Over 20 Months I am filing this complaint because First Financial Bank is inaccurately reporting a charged-off account on my credit reports. The account was charged off approximately XX/XX/year> after 120 days delinquency, yet the original creditor is still reporting the account as open and past due every month since the charge-off. 

When I contacted the creditor directly, they claimed that they own the collections agency the debt was charged off to, which they use as justification for continuing to report it as open and late. However, this is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires all furnishers to report data accurately. Once an account is charged off, it should be reported as closed and charged off, not still accumulating late payments each month. 

This inaccurate reporting is harming my credit score and creates a false impression that I am continuing to miss payments on an open account, which is not the case. 

I am requesting that the CFPB investigate this issue and that First Financial Bank be required to correct the credit reporting to accurately reflect the charge-off and stop reporting new delinquencies on the account. 

Contacts at XXXX are : XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I am writing to formally dispute the presence of an account listed as XXXX XXXX XXXX on my credit report. I have no knowledge of this account ending in XXXX and have never opened or authorized any account with your institution. This entry is inaccurate, unauthorized, and is negatively affecting my credit profile. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am demanding that this account be immediately investigated and removed from my credit reports with all major credit bureaus ( XXXX XXXX, and XXXX XXXX. Failure to resolve this matter promptly will leave me no choice but to escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly seek legal counsel. 

Please provide written confirmation of the removal of this unauthorized account, or a detailed explanation and proof of any alleged debt, including a signed agreement or application that clearly shows my authorization. If you can not provide such documentation, you are legally obligated to delete this account from my credit file.

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 2025-04-24 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: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-24 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: EdFinancial Services
State: FL

Complaint narrative:
To who it may concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed

an executive order to abolish the U.S. Department of Education, thereby creating a material Legal Void concerning all student loan obligations previously managed under its authority. DEMAND FOR VERIFICATION & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : Immediate cessation of collection efforts until full legal verification is provided.

A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

WRITTEN Confirmation that you will cease reporting this unverified debt to credit bureaus.

If you fail to comply, I will escalate this matter to CFPB, FTC, and pursue legal action for violating of my consumer rights. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report regarding XXXX XXXX XXXX XXXX  XXXX XXXX credit card account ( Account Number ending in XXXX ). 

According to the credit report I obtained, there appears to be a record indicating late payments associated with this account. However, upon careful review of the payment history and account details, there is no evidence of any late payments. The report reflects consistent, on-time payments each month, and the payment history section clearly shows a pattern of zero delinquencies ( status code 0 ) from the accounts opening date in XX/XX/XXXX through XX/XX/XXXX. 

Furthermore, the Amount Past Due column has remained at {$0.00} for the duration of the reporting period, and the status of the account is listed as Pays As Agreed. 

Given this evidence, I respectfully request that this error be corrected and that the inaccurate late payment designationif it exists in any version of the credit filebe removed immediately from my credit profile. Maintaining an accurate credit report is critical, and I am requesting this correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this dispute and provide written confirmation once the correction has been made.

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 2025-04-24 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief