vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank Dispute Department Urgent Fraud Dispute-Unauthorized transaction by Deception ( XXXX XXXX XXXX XXXX ) Dear Chase Dispute Team, I am writing to formally dispute a transaction on my join debit card ending in XXXX related to payment made by deception under U.S. banking regulations. 
Details of the fraud : Transaction Date : XX/XX/year> Merchant : XXXX XXXX XXXX ( XXXX, XXXX ) Amount : {$2000.00} Cardholder : XXXX XXXX with XXXX XXXX XXXX account My wife and I were in XXXX regarding a separate real estate matter with another Company ( XXXX XXXX ). We were approached by an XXXX representative who claimed they could help recover our XXXX funds. Instead, they lured us to their office within hours of our arrival, offered drinks, and aggressively pressured us while we were exhausted from travel. 

Without any legitimate agreement or informed consent, they processed a debit card transaction. They started picturing our bank cards, to keep them for future negotiations. We signed under influences after their drinks provided to us, never received or saw any property or project location, and never authorized this as a purchase. 
This is a pure misrepresentation and manipulation. 


Key points : 1 No real contract- XXXX had forced us for signatures against our will.

2 No product or service was delivered- nothing was received in exchange for the payment. 
3 Merchant is unresponsive- they have ignored all follow- ups by email and What's App.

4 Transaction obtained by deception- we were led to believe this was to assist in a separate refund matter, not to purchase.

property.

5 The deposit was below the minimum requirement which is 5 %, which the reservation requirement wasn't met.

6 The contract is invalid because it was issued without meeting The company 's own minimum- deposit rules.

In Legal Basis : Under the Electronic fund Transfer Act ( Regulation E ), a transaction obtained through fraud, false pretenses. Or coercion is considered unauthorized even if initiated using thee Cardholder 's own card. This case is clearly not a legitimate or voluntary purchase.

I am requesting that Chase : 1 Reverse this transaction and credit our account in full.

2 Treat this as a fraud investigation under Regulation E and Chase 's.

own fraud protection policies.

3 Provide a written explanation of the investigation steps and.

outcome.

I have attached supporting documentation, Including : Copies of XXXX conversations with XXXX representatives Proof no sign refund letter Timeline of events showing the coercive circumstances Evidence of XXXX 's refusal to respond after the payment This is a matter of urgency as this transaction was the result of a criminal act abroad. I expect a full investigation and resolution within the timeliness required by law. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores TransUnion 's failure to uphold consumer protections 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$6500.00} {$0.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$5300.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$12000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$4500.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$760.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
credit report showed an account was opened in my name without my permission company name : current contact phone of current : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am disputing an account that is reporting on my credit files even though it is not my account and I have no financial responsibility for it. The tradeline appears as CAP1/KOHLS DEPARTMEN with a {$2500.00} limit and a reported balance of about {$1900.00} ( roughly 7980 % utilization ). You can see my screenshots showing the XX/XX/year> reporting date and the high utilization. 

I was only an authorized user on a family members Kohls/Capital One card for a period of time. I am no longer an authorized user and have asked to be removed. I never applied for, opened, or agreed to be responsible for this account or its payments. Reporting this account on my credit files is inaccurate and materially misleading because it makes it look like I am using 80 % of a revolving account that does not belong to me, which is damaging my credit standing. I also never consented to any reporting that would treat me as the responsible party. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), the credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they report. Because I am not the obligor on this account and am no longer an authorized user, continuing to report it on my files is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Despite my repeated efforts to dispute the fraudulent, inaccurate, and misleading information appearing on my consumer report, these items continue to remain unresolved. The presence of this unauthorized information has caused me considerable stress and financial hardship, as I never consented to or authorized the association of these accounts with my personal information. As a victim of identity theft, I require immediate assistance in removing these damaging entries that do not reflect my actual credit history or financial behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: MA

Complaint narrative:
I am filing a complaint against NCB Management Services , Inc. for inaccurate credit reporting on a charged-off XXXXXXXX XXXX XXXX  XXXX XXXX The NCBXXXX XXXX XXXX ( XXXX ) an inflated balance above the original {$6500.00} with no payments or new charges, and ( XXXX ) a payment entry that never occurred. I disputed in writing with proof, but NCB verified without correction. This violates FCRA 1681s-2 ( b ) and FDCPA 1692e ( 2 ) ( A ), 1692e ( 8 ), 1692f, and is unfair/deceptive under Mass. ch. 93A. It also appears that NCB and/or XXXX are re-aging the debt by reporting false new activity to reset the delinquency/obsolescence period, contrary to the FCRAs date-of-first-delinquency ( DOFD ) rules ( 15 U.S.C. 1681c ; 1681s-2 ( a ) ( 5 ) ). Whether initiated by NCB or inherited from XXXX, NCB is responsible as the current furnisher. I request deletion from all bureaus, written confirmation, and compensation. Evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

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 1681
n, 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 2025-08-11 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: MD

Complaint narrative:
On XX/XX/2025, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/2025, at XXXXXXXX XXXX in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$0.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/2025, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report is showing inaccurate information in the form of an account that I never opened or approved. I have no connection to the reporting creditor, and this fraudulent reporting is damaging my 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
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
This was supposed to be resolved with XXXX XXXX to take this tradeline completely off my credit report. this was opened when COVID was going on and this was a credit card to help us get through the tough times. I claimed this as disaster relief and it was supposed to be removed completely from credit. Instead this was changed to a " charge off '' on my credit report and still is on here as a delinquency.

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 2025-08-11 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: MI

Complaint narrative:
This was supposed to be resolved with XXXX XXXX to take this tradeline completely off my credit report. this was opened when COVID was going on and this was a credit card to help us get through the tough times. I claimed this as disaster relief and it was supposed to be removed completely from credit. Instead this was changed to a " charge off '' on my credit report and still is on here as a delinquency.

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 2025-08-11 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: MI

Complaint narrative:
This was supposed to be resolved with XXXX XXXX to take this tradeline completely off my credit report. this was opened when COVID was going on and this was a credit card to help us get through the tough times. I claimed this as disaster relief and it was supposed to be removed completely from credit. Instead this was changed to a " charge off '' on my credit report and still is on here as a delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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