vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am an XXXX retiree living on Social Security. Due to increased outofpocket medical expenses, my available monthly cash flow has decreased. On XX/XX/XXXX and again on XX/XX/XXXX, I contacted JPMorgan Chase to request review for an internal shortterm hardship/special payment program on my Chase credit card. I explained I can sustainably pay {$100.00} per month for nine months and asked for a reduced APR or a comparable accommodation that keeps the account open and reported current. I was denied and offered only referral to outside counseling. On both dates I asked for the programs eligibility criteria and available options ; I was not provided a written reason for denial or the requested criteria.

I am trying to avoid delinquency and continue paying what I can while managing essential medical costs on a fixed income. Denying a reasonable shortterm accommodation and not providing clear written information causes avoidable interest and fees and risks negative credit reporting despite my goodfaith effort to pay.

Requested resolution : Approve a shortterm hardship/special payment program setting my payment at {$100.00} per month for nine months with a reduced APR, while keeping the account open and accurately reported current ; or Provide a temporary interest rate reduction or goodwill interest credits for nine months so that XXXX XXXX  monthly payments are sustainable ; and Waive any late fees assessed during this review period ; and Provide the written eligibility criteria and a written reason for the denial ; and Confirm whether a credit report was used and, if so, issue the required adverseaction notice. 
I am prepared to enroll in autopay for the agreed XXXX XXXX monthly amount to demonstrate good faith and ensure timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am a verified victim of human trafficking, debt bondage, and identity theft. I am submitting this complaint under federal law 15 USC 1681c-3 ( FCRA 605C ) and 15 USC 1681c-2 ( FCRA 605B ). I have provided my Certified Victim Determination, proof of identity, SSN, and current address. Under these laws, TransUnion is required to block and permanently remove any information that resulted from trafficking, coercion, or identity misuse.

The following information on my TransUnion credit file was created under coercion and does not belong to me and must be removed : Address to delete : XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX Accounts to block and permanently delete : XXXX XXXX account ending XXXX balance XXXX XXXX XXXX account ending XXXX balance XXXXXXXX XXXX  XXXX account ending XXXX balance XXXX XXXX XXXXXXXX account ending XXXX balance XXXX XXXX XXXX account ending XXXX balance XXXX XXXX XXXX account ending XXXX balance XXXX XXXX XXXX account ending XXXX balance XXXX XXXXXXXX XXXX Services account ending XXXX balance XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX account ending XXXX balance XXXX XXXX XXXX XXXX XXXX account ending XXXX balance XXXX XXXX account ending XXXX balance 117 Hard inquiries to remove : 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 information was the result of exploitation and identity misuse connected to trafficking. Under FCRA 605C and 605B these items must be blocked and permanently removed. I request written confirmation once completed and assurance that these items will not reappear.

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 2025-10-29 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 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 2025-10-29 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year>, 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 2025-10-29 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: TX

Complaint narrative:
I do not recognize the following inquiries below on my credit report for Transunion. This may be from the data breach. Attachment has dates. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I can not log in online. It says that my information doesn't match and specifically says my phone number doesn't match my account... however Experian did send links to my phone number! There is absolutely no way for me to log in using my SSN or phone number or resetting the password, nothing works and I can not get a human to fix the problem for me.

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 2025-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ovation Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/year> had a fire at my place. 

Fire department and police responded. 

I called the Ovation Services to acquire the insurance claims information from XXXX XXXX XXXX XXXX. 

Spoke with XXXX XXXX in the XXXX XXXX, he claims there is no insurance policy. Even though it's in yearly contract. Forwarded him and customer service the proof I have, no response. XX/XX/year> -- from XXXX I don't even think the Insurance Company is real, from what I googled, XXXX XXXX XXXX XXXX is from another Country, without a legitimate phone number to call only an email address, which I emailed. No response. 

XXXX It's in some other country outside of the United States. 

I have the top declaration page with the Policy ID tracking number. 

The policy is included every year at renewal- XXXX XXXX XXXX now. {$1600.00} annually. 

I pay the monthly premium portion that's included in my monthly payment of {$1400.00} I am struggling right now because of car repairs and then this fire that happened at my place. That's my only income is my 2 apartments I rent out. 

I am seeking grants and other help to pay/modify the mortgage, and get this Insurance issue straightened out. And repairs made one way or another.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 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:
THIS ACCOUNT IS A RESULT OF UNAUTHORIZED USE OF MY IDENTITY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: State Home Mortgage
State: GA

Complaint narrative:
State home refused to call back after I left several messages on why my mortgage was increased. I finally spoke with someone and he stated because my taxes had increased. I never received any notice concerning taxes. I called the tax office the representative stated that my taxes only increased by XXXX and my increase shouldve not had that bigger increase which from XXXX. To XXXX. When I spoke with the 2nd person he told me a hold different story why my mortgage increased. XXXX is not a hold lot to raise a mortgage they been doing this unknown to the real truth. Tax representative stated that will not tell me the real reason. I believe that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  $XXXX I have no idea of the such debt or amount subject to payment on XXXX i submitted a dispute stating no knowledge of this debt XXXX XXXX XXXX XXXX $XXXX I  have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens (mo) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore existsXXXX XXXX XXXX XXXX $XXXX \n\nI have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens (mo) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists\n\nEASTERN ACCOUNT SYST $XXXX XXXX XXXXI have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens (mo) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: T.S. Holdings
State: IL

Complaint narrative:
b'IQ DATA XXXX   XXXX  XXXX XXXX $XXXX I have no idea of the such debt or amount subject to payment on XXXX i submitted a dispute stating no knowledge of this debt XXXX XXXX XXXX XXXX $XXXX I  have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens (mo) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore existsXXXX XXXX XXXX XXXX $XXXX XXXXI have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens (mo) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore existsXXXX XXXX XXXX $XXXX XXXX XXXXI have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens (mo) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Subject : Formal Request for Investigation and Deletion Inaccurate Account Reporting Account Name : XXXX XXXX XXXX Account Number ( as shown on report ) : XXXXXXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/year> To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ), to formally dispute the accuracy and completeness of the XXXX XXXX XXXX account appearing on my TransUnion credit report. 
This tradeline is reporting a series of late payments ( XXXX  days past due ) extending for multiple consecutive months, which is factually inaccurate and fails to reflect the true payment history and final status of the account. Additionally, your record states Dispute resolved ; reported by grantor, but the alleged delinquencies remain suggesting the reinvestigation was not conducted in compliance with the reasonable procedures to assure maximum possible accuracy required under 1681e ( b ). 
The account in question has been paid and closed, and therefore should not continue to report as currently delinquent. This inconsistency misrepresents the current status of my credit obligations, causing measurable harm to my creditworthiness and access to credit.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this letter. I also request, under 1681i ( a ) ( 6 ) ( B ) ( iii ), the method of verification including the business name, address, and telephone number of the furnisher you contacted in verifying this data.

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