vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chargeback RequesXXXX XXXX ( XXXX ) I am requesting chargebacks totaling {$1100.00} across XXXX transactions made to XXXX, a sweepstakes-based platform that promised users the ability to redeem XXXX XXXX  for real money. This was clearly stated in their Terms of Service and reinforced across their marketing and purchase screens. 
On XX/XX/year>, XXXX abruptly shut down its sweepstakes operations without notice, leaving redemptions unprocessed and users without access to promised services. Despite repeated attempts to contact XXXX through email, phone, and social media, the company has been entirely unresponsive. 
Chase has denied some of my disputes without addressing the key issue : XXXX failed to deliver the core services that justified my purchases ( outlined in a secondary document ). The evidence used to rule against me confirms only that I made the purchases and accessed the site, not that I ever received what was promised ( SC convertible for cash, 30-day redemptions, VIP services & games ). Furthermore, my attempts to redeem {$1200.00} in XXXX XXXX were never fulfilled despite documented confirmation from XXXX and a history of fulfilling those types of redemptions, which showed it was a core function of their business. 
This case represents a clear instance of deceptive business practices, breach of contract, and failure to deliver services as outlined in XXXX  Terms. I am asking Chase to review the submitted evidence more thoroughly and reverse the associated charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX has violated my rights. 

EXPERIAN 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 XXXXXX/XX/XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
This XXXX account was paid in full and closed as of XX/XX/year>, yet it continues to report as a charge-off on my TransUnion credit XXXX. I have not received any documentation or justification for why the charge-off remark still remains after all obligations were satisfied. This outdated and misleading status is affecting my credit profile unfairly. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit data must be accurate and up to date. I am requesting a full reinvestigation and removal or correction of the charge-off remark if XXXX can not provide proof of its continued accuracy.

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 2025-06-13 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: KY

Complaint narrative:
Date : XX/XX/XXXXXXXX  TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Collection Account Request for Permanent Deletion ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy and ownership of a collection account currently reported on my TransUnion credit report. This account does not belong to me, and I believe it may be the result of unauthorized activity stemming from a data breach. 




Account in Dispute : Creditor : XXXX XXXX XXXX Original Lender : XXXX XXXX  XXXX XXXX  Reported Balance : {$570.00} Date Reported : XX/XX/XXXXXXXX  Account Age : 2 Years, 11 Months Status : Collection/Chargeoff Collection Agency Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Legal Grounds for Deletion : FCRA 15 U.S.C. 1681c-2 ( Identity Theft ) : You are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving notice from the consumer. 

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon dispute, you must conduct a reasonable reinvestigation and respond within 30 days. If the information can not be verified, it must be promptly deleted.

FCRA 15 U.S.C. 1681e ( b ) : You must ensure all information in a consumer file is complete and accurate. The account in question lacks critical information and can not be verified as mine.

FDCPA 15 U.S.C. 1692g : If this account has been placed with a third-party collector, I am entitled to validation of the debt. Without proper validation, reporting the debt is unlawful. 




Required Action : Immediately and permanently delete the XXXX XXXX XXXX collection account from my TransUnion credit report. 

Provide written confirmation that the account has been removed. 

Ensure that it is not reinserted or re-reported without full legal justification and prior written notice. 

Respond to this dispute within 30 days of receiving this notice, as required by federal law. 



Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies. I also reserve the right to pursue full legal remedies under the FCRA, FDCPA, and any other applicable laws.

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 2025-06-13 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: IL

Complaint narrative:
This letter is to address a serious and unacceptable violation of my privacy and consumer rights. After carefully reviewing my credit report, I noticed a hard inquiry made by that I never authorized, consented to, or initiated in any form. Let me be clear : at no point did I give this company permission to access my credit file. 

This inquiry was placed without my knowledge or consent, which is a direct breach of the Fair Credit Reporting Act ( FCRA ). Under federal law, no entity is allowed to pull my credit unless Ive explicitly authorized it and that authorization does not exist in this case. This was either a gross oversight or a fraudulent attempt to access my personal information.

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 2025-06-13 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: FL

Complaint narrative:
I am submitting this complaint against Experian, Equifax, Experian for failing to conduct a reasonable investigation into multiple credit reporting disputes I submitted under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i ( a ).

Despite formally disputing multiple accounts showing identical or substantially similar accounts with different balances from different furnishers ( creditors and debt buyers ) at the same time, Experian continues to report this inaccurate and misleading information without proper resolution. 

This is a violation of : 15 U.S.C. 1681e ( b ) which requires Experian to ensure maximum possible accuracy of the information it reports ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) which requires Experian to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item of information.

The continued reporting of multiple accounts with duplicated balances and original creditor references creates the false appearance of multiple debts and artificially inflates my total outstanding obligations. This materially misrepresents my credit profile and is causing measurable harm. 

Furthermore, Experians generic dispute responses failed to : Confirm whether they verified the debt with the original creditor or the current debt owner ; Provide documentation supporting the accuracy of the balances ; Remove unverifiable or inaccurate data as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Experian, Equifax, Experian for failing to conduct a reasonable investigation into multiple credit reporting disputes I submitted under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i ( a ).

Despite formally disputing multiple accounts showing identical or substantially similar accounts with different balances from different furnishers ( creditors and debt buyers ) at the same time, Experian continues to report this inaccurate and misleading information without proper resolution. 

This is a violation of : 15 U.S.C. 1681e ( b ) which requires Experian to ensure maximum possible accuracy of the information it reports ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) which requires Experian to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item of information.

The continued reporting of multiple accounts with duplicated balances and original creditor references creates the false appearance of multiple debts and artificially inflates my total outstanding obligations. This materially misrepresents my credit profile and is causing measurable harm. 

Furthermore, Experians generic dispute responses failed to : Confirm whether they verified the debt with the original creditor or the current debt owner ; Provide documentation supporting the accuracy of the balances ; Remove unverifiable or inaccurate data as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is a final escalation and a formal record of your continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I refer to my previous letter, dated XX/XX/XXXX, wherein I identified a list of unauthorized or unverified inquiries that you have allowed to remain on my credit report, despite my documented dispute and request for a proper investigation. 

You have not provided any documented results of an investigation, nor have you removed the inquiries in question. This is a direct and willful violation of FCRA 611 ( a ) and 604 ( a ) ( 3 ), which governs the permissible purposes for accessing a consumers credit report. Your failure to act in good faith or respond within the required time frame constitutes a breach of your legal obligations and subjects you to potential civil liability under FCRA 616 and 617. 

Summary of Your Violations : Failure to investigate disputed inquiries within the XXXX time frame mandated by FCRA ; Failure to provide documentation showing that these entities had a permissible purpose to access my credit file ; XXXX to publish unverified and potentially unauthorized inquiries, thereby damaging my creditworthiness. 

Renewed Demand : You are hereby given XXXX final opportunity to correct the following before I proceed with legal action : Provide written documentation verifying the permissible purpose under FCRA 604 ( a ) for each inquiry listed in my prior letter ; Provide contact information and identity validation of each party that accessed my credit report ; Remove all unverifiable inquiries from my credit file immediately ; Send me a detailed reinvestigation report within XXXX calendar days from the date of this letter. 

If you are unable to provide documentation that confirms a legitimate business relationship or a permissible purpose for any of the listed inquiries, the law is clear : you must delete them. 

Legal Action Pending : If I do not receive a full and compliant response by [ insert deadline XXXX calendar days from todays date ], I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Submit reports to the Federal Trade Commission ( FTC ) and my State Attorney General ; Initiate a civil lawsuit against Equifax for willful and/or negligent violations of FCRA, including : 1. Statutory damages of up to {$1000.00} per violation ; 2. Actual damages including credit denial and emotional distress ; 3. Punitive damages, attorneys fees, and legal costs. 

XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This is not a duplicate issue. When I first took my loan out it was through XXXX and we never missed a single payment. Our preferred method of communication was via physical mail. The statement would come in the mail and a check would be sent off for payment. We stopped receiving statements and communication from XXXX. I checked my credit on XX/XX/XXXXXXXX  and noticed a massive drop in my credit of XXXX points and investigated to find a delinquency for my student loans. Through investigation on XXXX XXXX, it showed a 90+ day delinquency from a company called Aidvantage. This came as a surprise to me because I did not know who aidvantage was nor was I told that my loan no longer went through navient. I immediately called aidvantage and explained the situation and they said they could do nothing to help my credit score. I was told my account with them was locked since XXXX, our loan was started with them on XXXX of XXXX  and our last payment received was XXXX of XXXX. I asked the representative how my loan was started with them in XXXX of XXXX but my account has been locked his XXXX and she had no answer. I was never told we switched lenders, never contacted by aidvantage with any statements or notice of missed payments. Ive went back on the email they had on file and there is no record of aidvantage ever contacting me at all. As soon as I got off the phone I paid off the remaining balance of my student loans and disputed the items with all credit bureaus and the dispute is still pending. Per my last dispute through cfpb to XXXX, I received this as part of their statement from XXXX, You did not request to receive future correspondence through email so notices continued to be emailed to the address on file. Even though my preference was set to physical mail they say that they decided to email me the notices continually. We have no record of prior phone calls, email or physical mail from aidvantage from this period. Again our preference was set to physical mail and they even stated themselves they decided to send the statements via email even when we never requested our preference to be email. Aidvantage has given me the run around and will not own up to their mistake. They have contradicted themselves with the above quote and continue to give conflicting dates every time they make a statement. I have also requested the master promissory note, ledger and chain of custody over 30 days ago and still have yet to receive l, therefore the late payments should be taken off my credit report since they are not providing the info requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. 

I am disputing an inaccurate 30-day late payment reported for XX/XX/XXXX on my credit report by XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  The late payment is tied to a reported account open date that is inconsistent across credit bureaus, calling into question the accuracy and verifiability of the delinquency. 

According to the Fair Credit Reporting Act ( FCRA ), all information on a credit report must be accurate, complete, and verifiable. In this case, the conflicting open dates reported by different credit bureaus undermine the reliability of the reported late payment. It is not clear how a late payment could have occurred if the account was not yet open per the reported timeline on file. 

Despite my efforts to resolve this directly with the credit reporting agency ( TransUnion ), the inaccurate information remains.

Details of my request : I demand that the 30-day late payment reported for XX/XX/XXXX be investigated and removed from my credit file due to : Conflicting account open dates across credit bureaus Lack of verified, accurate documentation supporting the late payment I request TransUnion to : Re-verify the correct account open date Remove the late payment if it can not be confirmed with complete and accurate data Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX SSN : XXXX Documentation Available for Upload : Copy of dispute letter Credit reports showing conflicting open dates Account statements showing timeline Thank you for your understanding and prompt 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 explanation
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. 

I am disputing an inaccurate 30-day late payment reported for XX/XX/XXXX on my credit report by XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  The late payment is tied to a reported account open date that is inconsistent across credit bureaus, calling into question the accuracy and verifiability of the delinquency. 

According to the Fair Credit Reporting Act ( FCRA ), all information on a credit report must be accurate, complete, and verifiable. In this case, the conflicting open dates reported by different credit bureaus undermine the reliability of the reported late payment. It is not clear how a late payment could have occurred if the account was not yet open per the reported timeline on file. 

Despite my efforts to resolve this directly with the credit reporting agency ( TransUnion ), the inaccurate information remains.

Details of my request : I demand that the 30-day late payment reported for XX/XX/XXXX be investigated and removed from my credit file due to : Conflicting account open dates across credit bureaus Lack of verified, accurate documentation supporting the late payment I request TransUnion to : Re-verify the correct account open date Remove the late payment if it can not be confirmed with complete and accurate data Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX SSN : XXXX Documentation Available for Upload : Copy of dispute letter Credit reports showing conflicting open dates Account statements showing timeline Thank you for your understanding and prompt action!

Company response to consumer: Closed with non-monetary relief