vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
am submitting this complaint because JPMorgan Chase Bank and XXXX  are in clear violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report and verify a JPMCB Card account that has not been verified and was never opened or authorized by me. 

This account, listed as JPMCB CARD, Account XXXX. XXXX, is being reported on my personal XXXX  credit file even though it is classified by Chase as a Business Card. I have no business relationship or signed contract with JPMorgan Chase for this account, and they have failed to provide any original signed application or proof of authorization despite repeated certified requests. 

Background : On XX/XX/year>, I mailed a certified dispute letter to JPMorgan Chase demanding verification of this account and requesting copies of the original signed credit agreement and application. 

Att

ached is the USPS green card confirming Chase received the dispute package. JPMorgan Chase has not responde
d or provided any proof that this account belongs to me. 

Despite this, XXXX  continues to report the account on my personal credit file and even reflects a 120-day late payment as of XX/XX/year>, which is false and severely damaging to my credit. 

Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX is required by law to block identity theft-related information within 4 business days of receiving proper documentation. XXXX  has failed to do this, despite receiving my FTC Identity Theft Affidavit, police report, and proof of identification. 

FCRA 611 ( 15 U.S.C. 1681i ) XXXX  failed to perform a reasonable reinvestigation and continues to verify an unsubstantiated account. 

FCRA 623 ( a ) ( 3 ) JPMorgan Chase failed to accurately report information and did not properly respond to notice of dispute.

FCRA 604 and 607 Reporting a business account on a personal consumer report is an unauthorized and unlawful furnishing of business credit data to a consumer file.

Additional Facts : I am a verified victim of identity theft with supporting documentation including : FTC Identity Theft Affidavit Police Report confirming identity theft Form XXXX relating to my stolen passport Both XXXX  and Chase have disregarded this documentation and continue to publish and share false information that is causing financial harm and reputational damage. 

Harm Suffered : Damage to my personal and business credit scores Loss of business and financing opportunities Wasted time and resources attempting to get this account verified Emotional distress caused by continued violations despite certified correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-11 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-11 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I reviewed my Early Warning Services ( EWS ) Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, un-authorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair and equitable manner that it be investigated and, if necessary, be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 filing a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding several collection accounts reporting on my credit report without proper validation or legal grounds.

The following debt collectors are reporting collection accounts that I believe to be inaccurate, unverified, or misreported : - 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either not properly validated upon request, do not include full documentation from the original creditor, or appear duplicated or re-aged without notice as required by FCRA 611 and 809 of the FDCPA.

I request that these items be thoroughly investigated and removed from all credit reports unless the debt collector can provide full validation of the alleged debt, including : - Original signed agreement - Full account history - Proof of assignment or ownership of the debt - Breakdown of amount owed Reporting unverifiable, outdated, or inaccurate information is a violation of the FCRA and FDCPA. I respectfully request your assistance in facilitating a timely investigation and resolution of these matters.

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 2025-11-11 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: NJ

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnion 's failure to remove unauthorized accounts from my credit report, despite my previous dispute submission on XX/XX/XXXXXXXX  ( Tracking Number : XXXX ). This is my second attempt to resolve this matter, and I am beyond frustrated with the continued negligence. The unauthorized accounts listed below are still being reported, despite clear evidence and my repeated requests for removal. XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX. I have never authorized TransUnion to report these accounts, nor did I give permission for them to be included in my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), it is unlawful for TransUnion to report any account without the written authorization of the consumer. This clearly has not occurred in my case, making the continued reporting of these accounts a violation of my rights under the FCRA. It is completely unacceptable that, despite my valid disputes and evidence of identity theft, these unauthorized accounts remain on my report. 

Additionally, I previously submitted a complaint to the Federal Trade Commission ( FTC ) before XX/XX/XXXX, regarding the unauthorized reporting of these accounts. However, due to the ongoing FTC website shutdown, I am currently unable to file a new FTC report to further support my case. This situation is adding further difficulty and frustration to an already unjust process. 

As a consumer, I am entitled to an accurate and fair representation of my credit report, and TransUnions failure to act in compliance with the law is causing XXXX  XXXX. These unauthorized accounts are damaging my creditworthiness and creating an unnecessary and unlawful burden on my financial health.

Therefore, I am requesting the immediate intervention of the CFPB to ensure that TransUnion removes these unauthorized accounts from my credit report. I seek the CFPBs assistance in holding TransUnion accountable for its failure to comply with FCRA regulations and prevent further damage to my credit profile. I request that the CFPB facilitate the deletion of the aforementioned accounts and ensure that no further unauthorized information is reported in the future.

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 2025-11-11 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:
I am filing a complaint regarding inaccurate and illegally re-aged reporting on a XXXX credit card account that is currently being reported by all three bureaus ( TransUnion, Experian, and Equifax ). 

The XXXX account was CLOSED and charged off in XX/XX/XXXX, but all three bureaus are reporting new late payments, new charge-off codes, updated balances, and updated past-due amounts in XXXX, XXXX, XXXX, and XXXX, which is factually impossible. 

The account is reporting different dates, different payment histories, and different delinquency timelines on each bureau. This violates the following sections of the FCRA : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information the furnisher knows is inaccurate FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 ( a ) failing to correct inaccurate information after prior disputes Specific issues include : 1. All three bureaus report late payments and charge-offs years AFTER the account was closed in XXXX. 
2. The bureaus show different first delinquency dates, different charge-off dates, and different payment histories for the same account.

3. TransUnion and Experian are reporting 110 % and 100 % utilization on a closed, charged-off account.

4. All three bureaus show monthly CO codes in XXXX, XXXX, and XXXX, which is impossible because a charge-off can only occur once. 
5. The account is being re-aged and updated years after closure, extending delinquency beyond legal limits.

I have disputed this several times, and the bureaus continue to verify information that is demonstrably inaccurate, inconsistent, and impossible. 

I am requesting that this XXXX account be immediately deleted from TransUnion, Experian, and Equifax, as it can not be accurately verified.

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

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-11 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: Experian Information Solutions Inc.
State: MD

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>, 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 2025-11-11 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: CA

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 2025-11-11 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: EQUIFAX, INC.
State: CA

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 2025-11-11 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: FL

Complaint narrative:
Experian ( CFPB # XXXX ) Update ( XX/XX/year>XXXX  ) : 605B + 611 Data-Breach Block and Method of Verification Request mailed via USPS Certified Mail today to Experian Information Solutions, Inc. , XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

All items remain unverifiable under 611 ( a ) ( 1 ) ( A ). Experian must block disputed entries within four ( 4 ) business days of receipt per 605B ( c ) ( 1 ).

Due to ongoing breach-related contamination, Experian is required to manually verify all retained items under 611 ( a ) ( 7 ).

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint concerns an auto loan account reported by XXXX XXXX XXXX XXXX ( # XXXX ). The account is being reported as a collection/charge-off with a {$0.00} balance, opened XX/XX/XXXX, and last reported in XXXX XXXX. 
This account is being inaccurately reported across all three credit bureaus with derogatory payment history extending beyond the charge-off date, which is a Metro 2 compliance violation and violates FCRA 623 ( a ) ( 1 ) ( A ) ( accurate reporting ). Once an account is charged off and closed, continued late-payment notations are prohibited, yet the account still reflects 120+ days late statuses across multiple months following closure. 
Furthermore, I have sent written disputes and validation requests to both XXXX XXXX XXXX XXXX and the credit bureaus, requesting verification of the charge-off balance, date of last activity, and original contract. It has been over 60 days, and I have not received any written proof of ownership, payment breakdown, or legal basis for continued reporting. This violates FCRA 611 ( a ) ( failure to reinvestigate disputed information ) and FDCPA 809 ( b ) ( failure to provide written validation ).

The data furnished is factually inaccurate the account reflects XXXX  balance and paid status yet continues to appear as a negative derogatory tradeline affecting the score calculation. This is inconsistent, incomplete, and misleading to potential creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following items on my credit report, which I believe to be inaccurate or incomplete. These items are adversely affecting my credit score, and I request that the necessary corrections be made in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the disputed accounts separated by each bureau. 

Charged Off Accounts 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 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 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 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 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 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 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 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 XXXX 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 non-monetary relief