vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
We had a businesses account with Chase bank. We opened this account because we were told they had third party authorization. We deposited a check and we were waiting for the hold to come off the check as this is a business check with a business account. 

I had personally called the Chase check hold line and they told me they would push the check though so we can continue business as normal and so we did. 

Then our accounts were randomly locked. We had XXXX access to money without any warning. We then contacted Chase and were told our accounts were locked because did we not have the check endorsed. We were not told the check had to be endorsed at time of deposit nor did the check get kicked back for endorsement. 

Chase bank then closed our account without our consent and will not give us our funds. They will not release the check to us so we can get this issue fixed and have the check endorsed. 


This has caused a huge issue in our business and we just need the money back. We are trying to finish up the customer who gave us the check and the said customers and very angry.

Said customers have even called Chase bank as they bank with them and have tired to help us get the funds released. Chase will not give us the money back until the check is endorsed but wont give us the check to get endorsed. Chase also told us wed have to fight for the state for our money in XXXX years. 
We need this settled asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: WI

Complaint narrative:
Upon reviewing my credit report I noticed that there was an account listed that do not belong to me. My information has been compromised and i do not know who this creditor is. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$9500.00}, opened : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm writing to following up on a matter involving a charge-off reported by XXXX XXXX XXXX XXXX XXXX I previously contacted both Experian and TransUnion to dispute the reporting and requested verification. Despite multiple requests to the creditor ( NFCU ) for supporting document and a copy of IRS Form 1099-C, no documentation has been provided. Yet, both Experian and XXXX XXXX responded that they 'verified '' the account as accurate, presumably based on information provided by the creditor, despite no evidence or documentation being sent to me. This raise concerns under the Fair Credit Reporting Act ( FCRA ) regarding. 
The completeness and accuracy of the information provided by XXXX. 
The sufficiency of the investigation procedures by the credit bureaus The potential violation of my right as a consumer under FCRA Section 611 I request that the CFPB open an investigation into the following.

1. Whether XXXX XXXX XXXX XXXX properly validated or provided IRS Form 1099-C 2. Whether Experian and TransUnion followed FCRA reinvestigation protocol in confirming unverifiable or unsupported information.

3. Whether continued reporting of this charge-off without proper documentation constitutes furnishing inaccurate information under FCRA section 623

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 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am formally disputing a collection account appearing on my credit report from Jefferson Capital Systems, originally reported by XXXX XXXX, which I did not authorize, open, or acknowledge. 

According to the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : 15 U.S.C. 1681i The right to dispute inaccurate or unverifiable information.
15 U.S.C. 1681s-2 ( a ) The obligation of furnishers not to report false or inaccurate information.

15 U.S.C. 1681b Protection from unauthorized access to consumer reports. 

The account details are as follows : Creditor Name : Jefferson Capital Systems Original Creditor : XXXX XXXX Date Opened : XX/XX/year> Balance Reported : {$1100.00} Status : Collection I have never had a relationship with XXXX XXXX, nor have I authorized Jefferson Capital Systems to report any information on my behalf. This account appears to be the result of identity theft or file mixing. Under the FCRA, any information that is inaccurate, incomplete, or unverifiable must be removed from the credit file. 

I am requesting the following action be taken : Conduct a reasonable investigation into this account Request full documentation from the data furnisher to verify its accuracy If it can not be verified, delete it immediately per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Enclosed are copies of my government-issued ID and proof of current address to support my identity verification. 

Please provide written confirmation of the results of your investigation, as well as an updated copy of my credit report once this item has been resolved. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: MO

Complaint narrative:
The contacted XXXX management company and Assurance Recovery Solutions by phone to see what could be done about this debt. I explained that I was on HUD, and was XXXX and that I had passed HUD inspection each year. I had lived at XXXX XXXX Apartments for XXXX  years and had always kept my place extra clean. I always cleaned windows inside and out, the ceiling fans and even washed down the walls. I even insulated around my windows outside which came out of my pocket. I have sent out emails to try to dispute these charges in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent hard inquiry that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent hard inquiry was initiated without my knowledge or authorization : XXXX of She, opened on XXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance 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 2025-07-31 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: NH

Complaint narrative:
I have sent out two certified letter requesting proof of debt including original signed contract, a copy of the front and back of my license, detailed breakdown of charges and accrued interest and none can be verified as they have failed to legally be provided in the timeline allowed by federal law. These are not my accounts I did not open them and I do not know who they belong to

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 2025-07-31 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: NH

Complaint narrative:
I have sent out two certified letter requesting proof of debt including original signed contract, a copy of the front and back of my license, detailed breakdown of charges and accrued interest and none can be verified as they have failed to legally be provided in the timeline allowed by federal law. These are not my accounts I did not open them and I do not know who they belong to

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 2025-07-31 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

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 2025-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
I received a local phone call and was asked to call back at this phone number regarding a debt : ( XXXX ) XXXX When I called, a woman on the phone said that there were two complaints from XXXX XXXX Colorado that were against me. She then proceeded to to say that I took out a Check into Cash loan in 2014, and that I owed over {$800.00} in payments and how would I like to take care of the payments. 

I asked why didnt you call me in 2014 if I owed money the woman who did not identify herself said numerous attempts have been made to try to contact you. ( I have NEVER received a phone call or email from Check into Cash ). The woman then stated that Although youve paid off the loan, you didnt pay it off according to the fine print, therefore you owe money. I told the woman to to take me to court. She said okay and hung up. This woman who did not identify herself knew my name, date of birth and last four of my social security number. It was scary!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-31 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
This account is unauthorized and is not mine. I need this account to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This account is unauthorized and is not mine. I need this account to be removed from my credit report immediately

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
If you look on my credit report that I have attached!!! They say the account was opened in XXXX of XXXX  and went into collections in XXXX and XXXX!!! This company is not the XXXX Account holder!!! And didnt send me information that I had already ask for it now been over XXXX  days Please Delete this account!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
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!

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 2025-07-31 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: NJ

Complaint narrative:
I am submitting this complaint on my own behalf regarding inaccurate late payment entries that have appeared on my credit record. Despite sending correspondence to the creditor more than 30 days ago requesting proper validation of these disputed items, I have received no response whatsoever. Their failure to provide satisfactory documentation or validation of these alleged late payments violates my rights under the Fair Credit Reporting Act, and I am now seeking your assistance to resolve this matter expeditiously.

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