vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$23000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$150000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/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 2025-07-18 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 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 These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Chime Financial Inc
State: WI

Complaint narrative:
Yesterday I got an email regarding my credit report that a credit card was opened in my name the beginning of XXXX, I did not open the account, it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX I went into the JP Morgan Chase bank office in XXXX, IL and requested that my account be closed or restricted due to fraudulent charges I noticed, This was the 3rd time in 3 months of having issues with the account. I was informed by the banker that I needed to submit a trouble ticket regarding the possible fraud and that once that was finished we could then look at closing the account. Then a week later I received a notice from JP Morgan Chase that the account was being closed and I was no longer allowed to do business with them. At this point my account was still open for a week after requesting it be closed or restricted, this allowed for multiple transactions to take place that I did not authorize. Once I received notice that they were closing the account I no longer had access to the account and have been unable to get any information regarding the status of the account other than it is restricted. However, I continue to receive notices of transactions and the account being overdrawn, but yet none of this was authorized by me after XXXX XX/XX/XXXX. I have changed my direct deposit for my paycheck that was originally sent to JP Morgan Chase. On XX/XX/XXXX I was told it was rejected back to XXXX XXXX ( XXXX ) and was told by XXXX that once the funds are returned they would be redirected to my new account. As of XX/XX/XXXX I was informed that the direct deposit from XXXX was not rejected and was deposited into the account, an account that I requested to be closed on XXXX XX/XX/XXXX and was notified on XXXX XX/XX/XXXX that the account was restricted and would be closed. Now I am looking at nearly 3 weeks of transactions that I did not authorize and was not even aware of happening in an account that I was told by JP Morgan Chase was restricted and no transaction would occur. And as of XXXX XX/XX/XXXX, I received a notice from JP Morgan Chase that the account that was to be closed and restricted is now overdrawn even more than the notices I received earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-18 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IA

Complaint narrative:
I got a copy of my report and saw multiple fraudulent accounts that are damaging or my background and open with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against American Express regarding a serious violation of my privacy that occurred today XX/XX/year>. 

Earlier today, a representative from a random branch of my employer a location I do not work at reached out to me via XXXX XXXX  to inform me that someone from American Express had contacted them asking about me. I was deeply alarmed and embarrassed to learn that my employer was contacted regarding a personal financial matter without my consent.

Following this, I called the Amex account manager directly to understand what happened. She informed me that she contacted the branch because I had not returned her calls and claimed that this action was in line with American Expresss standard operating procedure ( SOP ) for debt collection. I find this justification completely unacceptable.

Contacting a random branch of my employer for the purpose of tracking me down over a credit card balance is an invasion of privacy and borders on harassment. It also puts my professional reputation at risk and creates unnecessary exposure of my personal financial matters within my workplace.

This level of intrusion is unethical and, in my view, violates consumer protection standards, especially when there are many other ways to contact a consumer directly.

I am requesting the following : A formal investigation into Amexs debt collection practices in this matter Written confirmation that no further contact will be made with my employer or its affiliates Assurance that my complaint has been recorded and that appropriate corrective action will be taken I am willing to provide further details or documentation if necessary. I trust the CFPB will treat this matter with the seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding a debt collection account handled by National Credit Systems ( NCS ) Accounts # XXXX & # XXXX. The debt is associated with XXXX XXXX XXXX. 

On XX/XX/scrub>, 2025, a representative from NCS told my co-borrower and me that if we did not pay one-third of the {$6900.00} balance by Monday, XXXX, XXXX, 2025, the account would be reported to the credit bureaus. 

When we asked if we would receive written notice before reporting, we were told " No. '' As of today, we have not received any written communication regarding this threat or the intent to report the debt. 

We have made multiple good-faith attempts to settle the account through formal written proposals and through NCSs online portal, but have been met with complete inflexibility and threats instead of lawful responses.

We are not refusing to pay, but we are unable to pay the full amount due to hardship. We proposed a realistic monthly payment plan that has been ignored.

We believe NCS may be violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by : Threatening to report the debt without following legal notification procedures Refusing to provide written confirmation or allow us to dispute Using coercive and unfair pressure tactics instead of honoring our rights We are requesting that the CFPB review this matter and require NCS to : * Cease collection threats until proper notice and dispute opportunity has been given * Respond to our settlement offer in writing * Stop threatening credit damage as a method of collection Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-07-18 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:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/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 2025-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My grandmother was contacted on XX/XX/XXXX around XXXX XXXX regarding a previous car loan. They answered with " XXXXXXXX XXXX XXXXXXXX ''. She spoke to a man named XXXX XXXX, the phone number is ( XXXX ) XXXX - XXXX. His extension is XXXX. They told her that they would garnish her wages and she still owed a past due balance on a car loan.

It does not make sense, because one car [ XXXX XXXX ] she actually received money back on through insurance, because it was totaled. The other car loan [ XXXX XXXX ], which both of our names are on, is still with the original debtor. 

She believes that the car they are referencing is the XXXX XXXX, and is asking me to help make payments on it. I believe that whoever reached out to her is scamming her, and I am not sending them a single XXXX, and I told her not to do that anymore as well. 

I called them XX/XX/XXXX around XXXX XXXX after she called me in a frantic about it. I asked them why they didn't send me any correspondence since my name was on the car too. They said that they weren't trying to collect on my car, and the debt was for a different car. Again, this makes no sense as previously stated. The XXXX XXXX is in her and my brothers name. The car was totaled in an accident and she received two refund checks from her insurance company, so she owes nothing for that car. For the XXXX XXXX, it is still under the original debtor [ Ally Financial ]. It has not been passed along for collections or to any attorney or agency. Those are the only XXXX car loans that she has. I asked them to send me written correspondence to verify the debt on XX/XX/XXXX. I spoke to XXXX as well, he said that he would. It is XX/XX/XXXX and I or her have yet to receive anything. 

I called again numerous times on XX/XX/XXXX. Multiple different people would answer the phone but they would all hang up while I was on hold or in the middle of talking. When I could finally get ahold of someone, they told me that I was harassing them after asking questions like " What is your attorneys name? ". When I told them my grandmothers case #, they referenced a completely different person. 

She called on XX/XX/XXXX to make a payment and they told her it was for a XXXX XXXX. She has no current car loan even anywhere near that make or model. As of XX/XX/XXXX the line for XXXX XXXX goes to dial tone.

An internet search does not pop up a legitimate law firm for XXXXXXXX XXXX XXXXXXXX. They never verified the debt. This is a scam, and they got {$800.00} off of my uncle who paid on behalf of my grandmother. I told her to dispute this with my uncles credit card and to not make any more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase is reporting lates for XXXX, XXXX and XXXX when that is incorrect. Chase is also reporting a late on my auto loan. This account was set up on auto draft and the payment for XXXX that they are reporting a late on, was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
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 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 2025-07-18 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: CA

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 XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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