vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
To Whom It May Concern at the CFPB, I am writing to formally file a complaint against both XXXX XXXX XXXXXXXX and JPMorgan Chase Bank regarding a dispute over a XXXX XXXX XXXXe and the mishandling of my dispute claim. 



I received a 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 This treatment was not only ineffective, but also negligent, as I was not a suitable candidate to begin with. The total cost of the procedure was approximately {$15000.00}. I am only disputing a partial amount of {$5600.00}. 



I initially filed a dispute with Chase, who temporarily reversed the charge. However, the reversal was later canceled in favor of the merchant, despite the fact that this is not a billing error but a case of XXXX XXXX XXXX 



I submitted a second request for reconsideration, but Chase informed me by phone that the merchant only gave them a very limited time to respond. I was told I now need to provide a third-party testimony or professional assessment within 35 days, or I will be forced to pay the full amount. This timeline is unreasonably short for obtaining an independent professional evaluation, and it places an undue burden on me as a consumer. 



Furthermore, Chase has not offered meaningful assistance or an extension, nor did they thoroughly consider the medical impropriety or their role in protecting customers from such malpractice. 



I respectfully request that the CFPB : 1. Investigate the appropriateness of Chase Banks dispute handling procedures, particularly in medically sensitive cases like this ; 2. Evaluate whether the merchant, XXXXXXXX XXXX XXXX, acted XXXX XXXX XXXX XXXX XXXX XXXX  ; 3. Ensure that I am granted adequate time to obtain independent professional documentation ; 4. Help facilitate a fair resolution that does not penalize me for receiving a medically improper service. 



I reserve the right to escalate this matter further if necessary. Thank you for your attention to this complaint. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 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: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-02 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: IL

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

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 2025-07-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-07-02 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$12000.00} Open Date XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$230.00} Open Date XX/XX/year> 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 2025-07-02 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. these remarks have been detrimental to my life and my credit health.

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 2025-07-02 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: NC

Complaint narrative:
ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. these remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CBC Companies, Inc.
State: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
Company : XXXXXXXX XXXX  ( Issuer of XXXX XXXX XXXX ) Also Naming : Resurgent Acquisitions LLC ( if applicable ) To Whom It May Concern : This is a formal complaint against XXXXXXXX XXXX, issuer of the XXXX XXXX XXXX, for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to inaccurate credit reporting, failure to validate a disputed debt, and possible unauthorized use or fraudulent activity. 

Despite previous correspondence ( referencing XXXX XXXX. XXXX ), XXXX XXXX has failed to produce any lawful or sufficient documentation validating the account in question. Instead, they have continued to report this alleged debt to consumer reporting agencies without complying with legal standards for debt verification under federal law. 

Violations and Concerns : 1. Lack of Debt Validation ( FDCPA, 15 U.S.C. 1692g ) XXXX claimed that an online application and a processing fee confirmed the accounts legitimacy. However, they have failed to provide any of the following : A signed credit agreement or authenticated electronic consent. 

Proof of identity verification at the time of application. 

Itemized records showing charges, payments, interest, and fees. 

Evidence of card delivery, activation, and use directly tied to me. 

Chain of title documentation proving the account was sold to XXXX XXXX XXXX, if applicable. 

Without these, the claim is unvalidated, and continued reporting or collection violates the FDCPA and FCRA. 

2. Improper Credit Reporting ( FCRA, 15 U.S.C. 1681s-2 ) XXXX continues to report this charged-off account on my credit file, despite admitting it has been sold. If XXXX no longer owns the debt, it should not be reporting an active tradeline. The reporting should be : Removed entirely, or Updated to show {$0.00} balance and Sold/Transferred, per the FCRA 's accuracy obligations. 

The current reporting is incomplete, inaccurate, and misleading, and damaging my credit profile. 

XXXX. Potential Identity Theft or Fraudulent Account Creation I have no knowledge, usage, or consent tied to this account. If this account was opened using my identity, it may be a case of : Identity theft, Account tampering, or Unauthorized issuance of credit. 

This makes validation even more crucial, and XXXX failure to act appropriately increases liability under FCRA 1681c-2 ( blocking fraudulent information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
Company : XXXX XXXX  ( Issuer of XXXX XXXX XXXX ) Also Naming : XXXX XXXX XXXX ( if applicable ) To Whom It May Concern : This is a formal complaint against XXXXXXXX XXXX issuer of the XXXX XXXX XXXX, for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to inaccurate credit reporting, failure to validate a disputed debt, and possible unauthorized use or fraudulent activity. 

Despite previous correspondence ( referencing XXXX XXXX. XXXX ), XXXX XXXX  has failed to produce any lawful or sufficient documentation validating the account in question. Instead, they have continued to report this alleged debt to consumer reporting agencies without complying with legal standards for debt verification under federal law. 

Violations and Concerns : 1. Lack of Debt Validation ( FDCPA, 15 U.S.C. 1692g ) Synovus claimed that an online application and a processing fee confirmed the accounts legitimacy. However, they have failed to provide any of the following : A signed credit agreement or authenticated electronic consent. 

Proof of identity verification at the time of application. 

Itemized records showing charges, payments, interest, and fees. 

Evidence of card delivery, activation, and use directly tied to me. 

Chain of title documentation proving the account was sold to XXXX XXXX XXXX, if applicable. 

Without these, the claim is unvalidated, and continued reporting or collection violates the FDCPA and FCRA.

2. Improper Credit Reporting ( FCRA, 15 U.S.C. 1681s-2 ) XXXX continues to report this charged-off account on my credit file, despite admitting it has been sold. If XXXX no longer owns the debt, it should not be reporting an active tradeline. The reporting should be : Removed entirely, or Updated to show {$0.00} balance and Sold/Transferred, per the FCRA 's accuracy obligations.

The current reporting is incomplete, inaccurate, and misleading, and damaging my credit profile.

3. Potential Identity Theft or Fraudulent Account Creation I have no knowledge, usage, or consent tied to this account. If this account was opened using my identity, it may be a case of : Identity theft, Account tampering, or Unauthorized issuance of credit. 

This makes validation even more crucial, and XXXX failure to act appropriately increases liability under FCRA 1681c-2 ( blocking fraudulent 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am disputing the way the XXXX XXXX account is being reported on my credit file with Experian. The account was paid in full and closed in XX/XX/XXXX, yet it is still flagged as Potentially Negative. This is misleading and damaging to my credit profile. 

There is no record of missed or late payments, charge-offs, or delinquency. The account was opened on XX/XX/XXXX, had a credit limit of {$300.00}, and was managed responsibly. It was simply closed and paid in full. 

I am requesting the removal of the Potentially Negative label from this account in accordance with the Fair Credit Reporting Act, as the reporting is not an accurate reflection of my payment history or account behavior.

This inaccurate classification is negatively impacting my credit score despite no actual negative payment activity. Please correct this error or provide evidence that justifies the continued Potentially Negative flag.

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 2025-07-02 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: PA

Complaint narrative:
To whom it may concern I filed a dispute with Experian on XX/XX/year>, giving that today is XX/XX/year>, EXPERIAN is still showing response is in progress as of XX/XX/year> Experian is now in violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA timeframe requires credit reporting agencies to investigate and resolve disputes within 30 days of receiving them. This period can to 45 days if submitted additional relevant information after the initial dispute. 
Because today is XX/XX/year> both the 30 days and 45 day deadline have passed without me receiving a final resolution or notification of the investigation outcome therefore they have not met their legal obligation to complete the investigation with the FCRA 's timeframe therefore is a violation of this act, therefore the information sent to them should be deleted from my credit report. And if not removed I will be forced to contact a Consumer Law Attorney if Experian continues to be unresponsive or the issue is not resolved to my satisfaction for the damages Experian has caused for harm Thank you 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 2025-07-02 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am filing this complaint against National Credit Systems for continued reporting of inaccurate, unverifiable, and potentially illegally re-aged information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ).

I previously disputed this account with the credit bureaus, citing re-aging and lack of proper documentation.

National Credit Systems responded by updating the account but failed to provide any verifiable documentation, lease agreement, billing history, or chain of assignment from the original creditor ( COMPANION AT XXXX XXXX XXXX  ). 

The account now shows a balance updated as of XX/XX/XXXX, yet the Status Updated field says XX/XX/XXXX, which creates a false impression of recent activity. 

The account also reports monthly C ( Collection ) status from XXXX to XXXX despite no payments, no new activity, and no changes effectively re-aging the debt each month in violation of FCRA 605 ( c ).

Additionally, duplicate entries ( i.e., two identical Dec 2024 balance updates ) further demonstrate data inaccuracies.

The Date of First Delinquency ( DOFD ) is being obscured by monthly updates and status reporting that mislead creditors and artificially harm my credit.

This violates the FCRAs mandate for accurate, complete, and not misleading information ( FCRA 602 ( a ) and 623 ).

Reporting a collection account with ongoing monthly payment history is inconsistent with Metro 2 guidelines and misrepresents the true status of the debt.

My dispute was not properly investigated under FCRA 611, and I have not received proper validation or itemization under FDCPA 809.

Company response to consumer: Closed with explanation