vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-04-01 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: HI

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes. Section 604 of the FCRA states that credit reports m
ay only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct theseinaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a number of unauthorized inquiries that have appeared on my credit report. Upon reviewing my account, I was deeply concerned to find inquiries that I never approved or initiated. These entries were made without my knowledge or consent, and I am requesting immediate action to investigate and remove them. 

My credit history is a reflection of my financial responsibility, and I have always been diligent in managing my accounts with integrity. Seeing these unauthorized inquiries has caused me significant distress, as I know how even a single unapproved inquiry can impact my creditworthiness. I have worked hard to maintain and protect my financial standing, and I can not allow these errors to undermine my efforts. 

I want to make it clear that these inquiries do not represent any transaction, agreement, or request made by me. As a consumer, I have the right to ensure that my credit report is accurate and free from any misleading or fraudulent activity. I respectfully ask that these inquiries be removed from my credit file and that my report reflects only the accounts and inquiries that I have legitimately authorized. 

I appreciate your prompt attention to this matter, as it directly affects my financial future. Please provide confirmation once these unauthorized inquiries have been removed or if any further action is needed on my part to resolve this issue. Thank you for your time and consideration in protecting the accuracy and fairness of my credit report. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-01 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: DE

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes.

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct theseinaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
You received these documents on XX/XX/year>, and yet the fraudulent data remains on my credit report. This is a blatant and willful violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ).

YOU ARE NOW IN VIOLATION OF : FCRA 605B ( 15 U.S.C. 1681c-2 ) You were required to block this information within 4 business days. You failed.

FCRA 611 ( a ) ( 1 ) ( A ) You failed to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ) You refused to provide the method of verification for the disputed items.

FCRA 623 ( a ) ( 6 ) You continue to report information you know is the result of identity theft.

FCRA 607 ( b ) You are reporting inaccurate, unverifiable, and outdated information.

FCRA 605 ( a ) You continue to report obsolete data that should be suppressed. 

CASE LAW THAT SUPPORTS MY RIGHTS : XXXX XXXX XXXX Failure to block identity theft data = FCRA 605B violation XXXX XXXX XXXX, XXXX Willful FCRA noncompliance resulted in damages XXXX XXXX XXXX XXXX Industries Reporting false info led to successful suit XXXX XXXX TransUnion You must do more than a lazy verification attempt

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 2025-04-01 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My credit report has a charge off for over $ XXXX which is the bulk of my account usage. It clearly has been charged off. No XXXX was ever sent to me and I requested it XXXX  times. I requested the charge off to be deleted through experience and XXXX. No deletion. 
I want this deleted from my account immediately. I will sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-01 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$670.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$7200.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5300.00} XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3500.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Someone from a company named Credence Resource Management has been contacting me for the passed month asking to collect a fraudulent debt that I do not owe. The company claimed that they were collecting a debt that I owe to XXXX XXXX XXXX and gave me an address in XXXX. I have never lived in XXXX. They told me they were going to send me a fraud package. I checked my credit report and no one has ever ran my credit with XXXX XXXX XXXX. I know for sure this is a fraud. I also called the debt collector a second time and told them to provide me with a legitimate website, the agents response was to look it up on XXXX. She then provided with a website which she claimed to be XXXX  Which isnt a legit website. She said she would transfer my call to her supervisor. I hanged up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Your Name ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Department of Finance Attn : Consumer Protection Division Subject : Complaint Against Chase Credit Card Services Failure to Resolve Fraudulent Charge Dispute Dear Sir/Madam, I am writing to file a formal complaint against Chase Credit Card Services regarding their failure to appropriately address my dispute over a fraudulent charge and the closure of my account without due process or notification. 

Between XX/XX/XXXX and XX/XX/XXXX, I traveled to XXXX, XXXX, from XXXX. During this time, a {$2700.00} charge appeared on my Chase credit card statement. I did not make this charge, and I strongly believe it was fraudulent. I was at a XXXX  during my trip to purchase food products, but I forgot my credit card during that visit and did not make any transactions using my Chase card. 

Despite my efforts to dispute this charge with Chase Credit Card Services, I have received no meaningful resolution or support from their team. They have claimed that I am still liable for the charge, and they have closed my account without providing any prior notice or formal explanation of the reasons for doing so. No communication was made to inform me that I was considered liable, nor was I provided with the necessary documentation or investigation results regarding the disputed charge. 

I am particularly concerned that Chase is not adhering to the protections offered under the Fair Credit Billing Act ( FCBA ), which guarantees the right to dispute unauthorized charges. As a consumer, I am entitled to a timely and thorough investigation into any suspected fraudulent activity, and I have not received that from Chase. 

I am requesting the following actions : A full, immediate investigation into the {$2700.00} charge in question and the circumstances surrounding my account 's closure. 
The restoration of my credit account, including a formal explanation of why it was closed and the steps necessary to resolve this issue. 
A detailed written response addressing the handling of my dispute and an explanation of the steps Chase plans to take to resolve my complaint. 
Should this matter not be resolved to my satisfaction, I will be compelled to take further action, including escalating this complaint to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and seeking legal remedies to ensure my rights are protected.

I respectfully ask the Department of Finance to review my case and assist in holding Chase Credit Card Services accountable for failing to act in accordance with consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Parties involved BMO mortgage loan number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX decided to start foreclosure even though payment was made on time we have confirmation from bank the funds were received Payment date XX/XX/XXXX in the amount of XXXX. Due dat was XX/XX/XXXX Notice of non payment dated XX/XX/XXXX sent via us postal mailed on XX/XX/XXXX received XX/XX/XXXX Notice of accelerated payment dated XX/XX/XXXX sent via us postal mailed on XX/XX/XXXX received XX/XX/XXXX Return of payment with foreclosure notice dated XX/XX/XXXX sent via us postal mailed on XX/XX/XXXX received XX/XX/XXXX They have gave me the runaround between BMO foreclosure and loss mitigation department and there lawyers

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 2025-04-01 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Name : XXXXXXXX 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 XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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