vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am disputing the accuracy and completeness of the JPMCB account reporting on my credit profile. This account is being reported as if it is still active, but it has been closed and sold to another entity. Reporting an account that has been sold, without clearly indicating the change in ownership or providing accurate status, XXXX mislead users of my credit file and violate the Fair Credit Reporting Act ( FCRA ) under XXXX ( b ), which requires furnishers to maintain accuracy and completeness in consumer reports. 

I am requesting a full reinvestigation of this account under XXXX of the FCRA. JPMCB has not provided documentation to validate the current status or balance of the account, nor proof of my ongoing obligation if the debt has already been sold. 

Under FCRA XXXX, information furnished to credit bureaus must be accurate and verifiable. Inaccurate reporting of a sold or transferred account can cause harm to my creditworthiness and constitutes furnishing of misleading or unverifiable data. 

I respectfully ask for a timely review of this complaint. If JPMCB can not verify the information with complete and accurate records, I am requesting deletion of this tradeline.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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: NY

Complaint narrative:
I XXXX ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE L I XXXX T OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY P ROTECTED CONSUMER RIGHTS TO PRIVACY AND C ONFIDENTIALITY UNDER XXXX XXXX XXXX. 
XXXX : # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX CO : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX BANK XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX TXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, CXXXX XXXX XXXXE : # 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, SPRING OAKS XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX HAS VIOLATED XXXX R I GHTS. 

XXXX XXXX XXXX. XXXX SECTION XXXX A, STATES I HAVE THE RIGHT TO P RI VACY. 

XXXX XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX. XXXX. ( A ) ( XXXX ) SECTION STATES : NO CONSUMER R EPORTING AGENCY MAY MAKE ANY CONSUMER REPORT C ONTAINING ANY OF THE FOLLOWING ITEMS OF I XXXX FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH A NTEDATES THE REPORT BY XXXX  YEARS. 

XXXX XXXX XXXX. XXXX ( A ) ( XXXX ) A PERSON SHALL NOT FURNISH ANY I XXXX FORMATION RELATING TO A CONSUMER TO ANY CONSUMER R EPORTING AGENCY IF THE PERSON KNOWS OR HAS R EASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS I XXXX ACCURATE.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed the XXXX XXXXXXXX XXXX account with Experian multiple times. On XX/XX/year>, I mailed a formal written dispute demanding verification under FCRA 609 and 611. I specifically requested a full method of verification and any signed contractual agreement used to confirm the accuracy of the account.

Experian has failed to provide any documentation, yet continues to report the item. This is a direct violation of the Fair Credit Reporting Act. Without verification, this account is unverifiable and should have been deleted.

I am requesting that the CFPB intervene and compel Experian to either provide lawful verification or permanently remove the account. Continued reporting without substantiation is grounds for legal action under FCRA 616 and 617.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On or around XX/XX/XXXX1 I was charged 2 payments from Lease Services, the merchant which handles an auto loan in my business name. Initially I was charged {$1600.00} and another for {$3400.00}. I had only authorized them to charge my regulary payment, for one month ( {$1500.00}, not {$1600.00} ). I called Huntington immediately to file a dispute when I was informed they would not dispute the transaction due to it being in pending status. I was told I needed to call the merchant for any chance at reimbursement. The merchant then told me they were not willing to refund any amount back to me. Feeling defeated, I dropped the complaint. Later I learned about Regulation E and the violations of it, made by Huntington. I've attached the statement for XXXX and for XXXX for review, where you can see the charges ( ultimately posted to XX/XX/XXXX, which XXXX or XXXX not be the day it occurred, according to the representative ). I've attached the XXXX statement where you can see the true amount of my monthly payment reflected in the transaction history.

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: Early Warning Services, LLC
State: MI

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX MI XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I XXXX writing XXXX request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXg # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX - OH Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I checked my account on XX/XX/XXXX and submitted a payment to my 2 credit cards prior to the due date in the amount due. I checked my balance again on XX/XX/XXXX XX/XX/XXXX and had no issues. When I accessed my online banking application as of XX/XX/XXXX I saw that my cards were listed as restricted and it stated they were closed as of XX/XX/XXXX which did not make any sense since they were active and fine the previous days. I contacted Capital One regarding this and all I was provided was that they were closed for " suspicious activity '' when I inquired what they meant by that they provided no further information and disconnected the call. I still have not received any information explaining what occurred and when I asked for information regarding reopening it they only stated the card was closed and provided no further information.

Company response to consumer: Closed with explanation
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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An outstanding debt from a Chase credit card suddenly appeared on my credit report earlier this year ( XXXX timeframe ). The card was attached to a bank account opened in XXXX for a business that was never launched due to XXXX. The charges on the statements did not belong to me so I asked Chase to investigate for fraud. They opened a case and initially told me they would not report the late payments to the credit reporting agencies during the investigation. Unfortunately, they have continued to report this account as late ( now 120 days ), which is severely, negatively affecting my credit score ( and ability to run XXXX XXXX ). As of this morning - XX/XX/XXXX - no one at Chase could either give me the account number that was being reported or give me an answer to the outcome of the fraud investigation ( one gentleman at Chase mentioned something about XXXX, but frankly was unable to articulate and kind of coherent response ). Furthermore, the Chase representative directed me to call each of the credit reporting agencies to investigate the issue on my own, as he could not an issue in the Chase system connected to my SSN.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An entry related to a bankruptcy case is currently being reported on my credit file by, Experian and TransUnion. I believe this record Inaccurately reported and not associated with me XXXX XXXX Bankruptcy

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: Early Warning Services, LLC
State: NY

Complaint narrative:
b'Name: XXXX XXXX  \nConsumer ID:XXXX\nDate of Birth: XXXX\nSSN: XXXX\nID Type: state id \nID Number: 1XXXX XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\n\nEarly Warning Services, LLC\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\n\nI am writing to request an investigation of the following information that appears on my \nXXXX XXXX XXXX consumer report. I have NEVER opened or used the following account numbers:\n\nBank: XXXX  XXXX    (Open Date: XXXX)\nAccount #: XXXX\nRouting#: XXXX\n\nBank: XXXX XXXX  (Open Date: XXXX)\nAccount#: XXXX\nRouting#: XXXX\n\nBank: XXXX XXXX XXXX XXXX  (Open Date: XXXX)\nAccount#: XXXX\nRouting#: XXXX\n\nBank: XXXX XXXX XXXX XXXX (Open Date: XXXX)\nAccount#: XXXX\nRouting#: XXXXn\n\nI dont recognize the following  accounts in question.  Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX Consumer report immediately! Ive attached a copy of the report to this request. \n\n\nThank you for your assistance.\nSincerely,\n(NAME)'

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:
Please check the information concerning EQUIFAX data breach below in attachments.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been distressing, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

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: FL

Complaint narrative:
Ive recently received a letter of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. these remarks have been detrimental to my life and 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To : Equifax Information Services LLC Experian Information Solutions LLC Subject : Debt Validation Request Under 15 U.S.C. 1692g Dispute of Account Reporting To Whom It May Concern, I am writing to dispute and formally request validation of a debt that is being reported on my Equifax and Experian credit file, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g. 

The following account appears on my credit report and is being reported as owed by me : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reason for Dispute : Unverified and possibly fraudulent debt Under 15 U.S.C. 1692g ( b ), I have the right to request verification and validation of the alleged debt. Therefore, I am requesting that Equifax immediately contact the data furnisher and instruct them to provide the following documentation for validation : Flow Agreement showing the legal right of the collector to collect on behalf of the original creditor Assignment or Transfer Agreement proving ownership of the alleged debt Bill of Sale documenting the chain of title from original creditor to the current party Signed Contract or Promissory Note bearing my wet signature, evidencing my liability for the debt Without this documentation, the debt remains unverified and should not be reported on my credit file. 

Action Requested : If the data furnisher can not fully validate the debt as required under federal law, I demand : The immediate deletion of the account from my Equifax and Experian credit report Written confirmation that the account has been removed A revised copy of my credit report showing the correction Failure to comply with this request may constitute willful noncompliance under the FCRA and FDCPA, and I will pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Please consider this a formal dispute and validation request under federal law. I expect your response and full resolution within 30 days, as required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
In XXXX of 2024 I applied for an apartment with complex I currently reside in XXXX XXXX XXXX XXXX, TN ) and was initially denied due to a false judgment from a XXXX party collection agency for the amount of {$1300.00}. I then disputed the allegations stating the debt was not mine and requested information from the original owner that should show account numbers and any signatures linked to the alleged debt. They did not send the information and therefore my lease was accepted and I moved in my apartment, and the item was removed from my credit profile. Now there is a XXXX  XXXX agency that has repost the same collection without sending any proof showing how I am responsible and giving knowledge on the original creditor. The current collection is listed by XXXX XXXX XXXX.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been a victim of fraud and of the equifax data breach. There are things that are showing up on my credit report that are not me.

PLEASE REMOVE THESE FRAUDULENT FROM MY CREDIT REPORT.

Hard Inquiries : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Student Loans : DEPT OF EDUCATIONXXXX Balance {$2300.00} Balance updated XX/XX/XXXX DEPT OF EDUCATIONXXXX Balance {$5600.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$2400.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$9100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATIONXXXX Balance {$1800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$22000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$22000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$1300.00} Balance updated XX/XX/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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been a victim of fraud and of the equifax data breach. There are things that are showing up on my credit report that are not me.

PLEASE REMOVE THESE FRAUDULENT FROM MY CREDIT REPORT.

Hard Inquiries : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Student Loans : DEPT OF EDUCATIONXXXX Balance {$2300.00} Balance updated XX/XX/XXXX DEPT OF EDUCATIONXXXX Balance {$5600.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$2400.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$9100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATIONXXXX Balance {$1800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$22000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$22000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding how Discover handled a recent payment I submitted. Despite initiating the payment before the due date, Discover did not process it until several days later, which may result in unfair late fees or negative credit reporting. 

On XX/XX/year>, I submitted a payment of {$290.00} using ACH transfer from my XXXX XXXX XXXX account. This payment was made two days before the due date of XX/XX/year>, which should have allowed sufficient time for processing.

However, Discover did not post the payment until XX/XX/year>, eight days after the due date. This delay in processing is concerning, especially since it was not caused by any action or inaction on my part.

This situation may lead to unfair consequences, such as : Improper late fees Negative impact on my credit score Erosion of trust in your processing system

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment 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.

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