vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint concerns the XXXX XXXX cash back offer through Chase for XXXX XXXX XXXX purchases. 

I made two eligible purchases through XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, during the promotional period which ended on XX/XX/XXXX. Prior to making these purchases, I had activated the 10 % cash back offer as required. However, I noticed that the cash back had not been credited to my account. 

Upon reaching out to Chase customer service for clarification, I was met with multiple back-and-forth communications, after which they ultimately declined to honor the offer, incorrectly claiming that the purchases were made at XXXX XXXX. This is factually incorrectboth transactions were made through XXXX XXXX XXXX, as per the terms of the offer. 

Additionally, Chases customer service has been unresponsive and has not addressed my concerns in a timely or satisfactory manner. As a result, I am compelled to report this issue and their handling of the situation through this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-08-04 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: MN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am reporting multiple unauthorized hard inquiries and accounts that have appeared on my credit report with Experian, Equifax, and Transunion without my knowledge, consent or approval. I did not initiate any credit applications with the companies listed not did I authorize any third party to do so on my behalf. These entries are inaccurate, and harming my credit score, and are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have contacted the credit bureaus and/or the companies involved, but the issue has not been resolved. 
Accounts : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX Account number XXXX Inquiries : 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 2025-08-04 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: MS

Complaint narrative:
I am reporting multiple unauthorized hard inquiries and accounts that have appeared on my credit report with Experian, Equifax, and Transunion without my knowledge, consent or approval. I did not initiate any credit applications with the companies listed not did I authorize any third party to do so on my behalf. These entries are inaccurate, and harming my credit score, and are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have contacted the credit bureaus and/or the companies involved, but the issue has not been resolved. 
Accounts : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

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 2025-08-04 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: GA

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

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 2025-08-04 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: MN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am the victim of identity theft and have filed an FTC Identity Theft Report and an affidavit. Despite this, XXXX  and LVNV Funding continue to report a collection account ( Resurgent/LVNV, # XXXX ) that I did not authorize or open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
As I was going through my credit profile there were some hard inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to 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 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
This company, AFFIRM, is a rip-off. I have been trying to access my account to pay off my loans, but they have locked it due to several suspicious activity signs, which I understand. Still, they are NOT HELPFULYOU CAN NOT EVER REACH THE OFFICE FOR THEM TO ASSIST YOU- I HAVE BEEN TRYING TO SOLVE THIS ISSUE SINCE XX/XX/XXXX AND NO LUCKI HAVE SENT MY IDENTIFICATION REQUEST 3 TIMES. THEY KEEP DENYING ME AND WILL NOT LET ME PAY FOR MY LOANS. They can not EVEN FIND MY INFORMATION IN THE SYSTEM. THEY ARE HORRIBLE. EVEN THEIR CUSTOMER SERVICE IS HORRIBLE. " XXXX XXXX XXXX '' XXXX I NEED TO GET BACK INTO MY ACCOUNT TO PAY OFF THESE BALANCES. I have been trying to get them to reactivate my account, but they are not assisting me, and I am getting frustrated with them. MY ACCOUNT IS LOCKED. 
THIS IS THE AFFIRM COMPANY. XXXX SHOULD NOT HAVE THEM LINKED WITH THEIR COMPANY AT ALL. I PURCHASED THESE ITEMS FROM XXXX THROUGH AFFIRM PAY, AS LITTLE AS A TIME. THEY NEED TO REACTIVATE MY ACCOUNT FOR ME TO PAY OFF THESE BALANCES, AND I NEVER USED THEM AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I made contact with a representative of Edfinancial on XX/XX/year>, in relation to a loan that was made apparent to me. I confirmed that I was not in fact the individual named on behalf of the loan agreement, and was only calling on behalf of the XXXX XXXX stated in ownership of the loan. I requested that certain documents be sent through certified mail to my residence to certify that I undoubtedly am the person stated to make payment on the loan and not the XXXX XXXX stated. I was met with the response that any information having to do with the loan would be on the website and would receive nothing else. The representative would not state if she could or could not provide me with physical documentation which is my lawful right, as I asked and dodged the questions only to then request payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AR

Complaint narrative:
Details : I previously filed CFPB complaint # XXXX against Equifax, but the issue remains unresolved. Equifax responded by stating that the furnishers verified the information, but they failed to provide any actual method of verification or supporting documentation, violating 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Equifax is currently reporting inaccurate and conflicting information on multiple accounts : 1. XXXX XXXX XXXX ( Closed, Charged-Off Account ) The account was closed and charged off in XX/XX/XXXX, yet Equifax continues to report new derogatory payment activity every month in XXXX and XXXX. 
The status shows charged-off and a {$77.00} past-due balance. 
This is an example of unlawful re-aging and conflicts with Metro 2 reporting standards. 
XXXX. XXXX XXXX ( Collections ) This account is in collections for {$4800.00}, yet it continues to report missed payments monthly, despite being closed and under dispute. 
Comments show In Dispute, Collection, and Closed at the same time. 
No verification has been provided by the furnisher despite multiple disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The loan was settled in XX/XX/XXXX, but still shows a derogatory status and late payment history post-settlement. 
Its inaccurate to report derogatory activity on a paid and closed account. 
XXXX XXXX XXXX XXXX XXXX 
This account reflects 128 % utilization on a {$1600.00} limit, which is impossible. 
It also lists Charged-off with late payments and a balance at the same timethis is contradictory. 
Dates and amounts do not match those reported by other CRAs. 


FCRA Violations : 1681e ( b ) Failure to maintain maximum accuracy.

1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.

1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification.

1681s-2 ( b ) Furnishers failed to update or correct errors after being notified of disputes.

Requested Resolution : Provide documentation showing how each tradeline was verified.

Remove or correct all information that can not be verified with documentary evidence. 
Ensure no further re-aging or conflicting data appears in my file. 
Notify furnishers of their FCRA obligations and take appropriate enforcement action if they refuse to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 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 filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-04 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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