vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: MI

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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number 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 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.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-20 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: MI

Complaint narrative:
I am filing this complaint against Experian for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding a dispute I submitted concerning inaccurate information on my credit report.

I submitted a formal dispute to Experian regarding an account that was sold or transferred to a third-party debt buyer or collection agency. I made it clear that I am disputing this account on the grounds that I never entered into any agreement with this entity and therefore, they lack proper legal authority or verification to report or collect on this alleged debt.

Despite this, Experian failed to conduct a reasonable reinvestigation of my dispute as required under the FCRA. Rather than removing or verifying the accounts based on adequate documentation, Experian simply verified the information without providing any meaningful investigation or supporting evidence from the data furnisher.

As a result, inaccurate and/or unverifiable information remains on my credit report, causing harm to my credit standing and limiting my access to financial opportunities.

I am requesting that the CFPB take action to ensure Experian : 1. Fully complies with its obligations under the FCRA.

2. Removes any accounts that can not be substantiated with proper evidence.

3. Provides a detailed explanation of the verification process used in this case.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Chase / CFPB I am writing to express my dissatisfaction with the handling of my account and the customer service I received during a recent issue that has caused significant inconvenience. 

On XX/XX/XXXX, I deposited XXXX checks from the XXXX of New York, representing FHEPS voucher payments for multiple tenants. Unfortunately, XXXX of these checks, which were for a specific tenant, were returned due to a stop payment order placed by the sender. 

Following this, I contacted Chase to resolve the matter. However, I was met with inconsistent explanations and a frustrating runaround. Despite following all instructions given by your representatives, my account remained frozen. I verified my identity multiple times, yet no resolution was reached.

To address the issue, I visited a Chase branch in
person, where I was advised that once the checks cleared, my account would be unfrozen. This did not happen. Subsequently, Chase claimed I needed to deposit cash to cover the negative balance caused by the stop-payment checks. However, I was informed that I could not access any of my accounts to withdraw cash, which made it impossible to meet this requirement.

Eventually, I managed to access one account, withdrew the necessary funds, and deposited cash into the account as requested. I then returned to my banker, who advised me to wait until the next day or contact Chase by phone for further follow-up. When I called Chase, I was told that I needed to verify my identity again and that cash deposits now take XXXX hours to clear. 

Despite my efforts, Chase has now informed me that my account will be permanently closed without providing any explanation. I find this unacceptable and demand that my account remains open. I request that Chase reconsider this decision and ensure that my account is not closed without cause.

Please also note that on Monday, I received a replacement check from the XXXX of New York, covering the amount of the XXXX checks with the stop payment. My banker kindly authorized an override and deposited this replacement check into my account. Nevertheless, Chase continued to insist that I deposit cash to unfreeze my account, which is unreasonable and inconsistent with previous information. 

Throughout this ordeal, I have received conflicting instructions from different agents, which has caused considerable confusion and frustration. 

I am extremely disappointed with the level of service and the lack of transparency in resolving this matter. I demand a prompt investigation into my case and a clear explanation of why my account is being closed without justification. I also insist that my account remains open, as I have done nothing to warrant its closure. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-20 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-20 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
This is a follow up to CFPB complaint # XXXX Subject : Formal Demand for Documentation Regarding Debt Verification from Bounce AI ( Ref. XXXX XXXX. XXXX Filed in Federal Court ) To Whom It May Concern, This is a formal demand to XXXX  Information Services LLC , submitted via the Consumer Financial Protection Bureau ( CFPB ) , requesting immediate production of documentation and procedural details concerning your alleged verification of a disputed debt reportedly furnished by Bounce AI. 

I have already filed a federal lawsuit against XXXX  ( XXXX XXXX. XXXX ) in connection with this matter, and I hereby demand that you produce all of the following information : 1. The method of verification used to confirm the accuracy of the Bounce AI account ; 2. The name and contact information of the individual or entity at Bounce AI who allegedly verified the account ; 3. All documentation received from Bounce AI used during the verification process ; 4. Date ( s ) on which the account was verified or re-verified ; 5. Details of any reinvestigation conducted under 15 U.S. Code 1681i ( a ) of the Fair Credit Reporting Act.

Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information. Failure to produce this information demonstrates noncompliance with federal law and will be further addressed in court. 

To be clear : Bounce AI is not a known or verified creditor with whom I have any contractual relationship. 
Equifaxs reporting of this account, followed by an unsupported claim of verification, has caused measurable harm. 
I allege your failure to properly investigate or verify this information constitutes willful or negligent violations under 15 U.S. Code 1681e ( b ) and 1681i.

You are now on formal notice that your continued failure to provide this information is being added to the evidentiary record in XXXX XXXX XXXX Should you fail to comply, I will move to compel disclosure and seek all available remedies, including statutory, actual, and punitive damages. 

Demand : Please provide the above-requested documentation and verification procedures within 10 days of this submission, as your noncompliance is already under federal judicial review. 

Respectfully XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I do not acknowledge these accounts are these inquiries? I asked the company to please help me rectify this situation. I also did not authorize any of these credit pulls

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Inaccurate and harmful accounts are appearing on my XXXX  credit report. This includes charge-offs, duplicate tradelines, and late payments that occurred during a hardship period involving medical recovery and divorce. I have attached a full breakdown of the issues, including legal citations and supporting documents. I request a full investigation and correction under the Fair Credit Reporting Act. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported unpaid. Violation : FCRA 611, 623 ( failure to verify accuracy ) ; no validation provided. Requested Action : Permanent removal due to unverifiable and inaccurate status. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance but derogatory remark remains. Violation : FCRA 611 ( b ) ; obsolete data and unverifiable balance. Requested Action : Remove entire tradeline. 

XXXX. XXXX XXXX  ( Acct # XXXX ) Issue : XXXX and XXXX late marks ( XXXX & XX/XX/year> ) .Requested Action : Remove late marks under documented hardship and good faith payment history. 

XXXX. XXXX XXXX ( Acct # XXXX ) Issue : XXXX late payment in XXXX XXXX XXXX : Remove late mark as goodwill adjustment due to financial hardship. 

XXXX. Bank of America ( Acct # XXXX ) Issue : XXXX late payment in XXXX XXXX XXXX : Remove late mark as goodwill adjustment under hardship provision. 

XXXX. XXXX XXXX XXXX ( Acct # XXXX XXXX Issue : Historical derogatory data ; possibly inaccurate or outdated Violation : FCRA 611 ; outdated or unfair residual data Requested Action : Remove all derogatory remarks due to age or inaccuracy XXXX. LendingClub Duplicate Reporting Issue : XXXX separate accounts ( # XXXX and # XXXX ) possibly reflect the same original loan Violation : FCRA 611 ( a ) ( 1 ) ( A ) ; duplicate tradelines damaging consumer credit Requested Action : Investigate and delete any duplicated negative 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 explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
Inaccurate and harmful accounts are appearing on my XXXX  credit report. This includes charge-offs, duplicate tradelines, and late payments that occurred during a hardship period involving medical recovery and divorce. I have attached a full breakdown of the issues, including legal citations and supporting documents. I request a full investigation and correction under the Fair Credit Reporting Act. 

XXXX. XXXX XXXX  ( Acct # XXXX ) Issue : XXXX {$15000.00} reported unpaid. Violation : FCRA 611, 623 ( failure to verify accuracy ) ; no validation provided. Requested Action : Permanent removal due to unverifiable and inaccurate status. 

XXXX. XXXX XXXX  ( Acct # XXXX ) Issue : Sold/Charged-Off {$0.00} balance but derogatory remark remains. Violation : FCRA XXXX ( b ) ; obsolete data and unverifiable balance. Requested Action : Remove entire tradeline. 

XXXX. Chase Mortgage ( Acct # XXXX ) Issue : XXXX and XXXX late marks ( XXXX & XX/XX/year> ) .Requested Action : Remove late marks under documented hardship and good faith payment history. 

XXXX. XXXX XXXX ( Acct # XXXX ) Issue : XXXX late payment in XXXX XXXX XXXX : Remove late mark as goodwill adjustment due to financial hardship. 

XXXX. XXXX  XXXX XXXX ( Acct # XXXX ) Issue : XXXX late payment in XXXX XXXX XXXX : Remove late mark as goodwill adjustment under hardship provision. 

XXXX. XXXX XXXX XXXX ( Acct # Unspecified ) Issue : Historical derogatory data ; possibly inaccurate or outdated Violation : FCRA 611 ; outdated or unfair residual data Requested Action : Remove all derogatory remarks due to age or inaccuracy XXXX. LendingClub Duplicate Reporting Issue : XXXX separate accounts ( # XXXX and # XXXX ) possibly reflect the same original loan Violation : FCRA 611 ( a ) ( 1 ) ( A ) ; duplicate tradelines damaging consumer credit Requested Action : Investigate and delete any duplicated negative data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a charge-off account currently listed on my credit report. The account in question is Under my rights afforded by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that EQUIFAX conduct a thorough reinvestigation of this account. I have reason to believe that the reported information may be inaccurate, incomplete, or unverifiable. If the furnisher of the information can not substantiate the accuracy of this account, you are required by law to delete it from my credit report. 
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 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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
On or around XX/XX/year>, Jefferson Capital Systems LLC began reporting a collection account in the amount of {$930.00} to the credit bureaus under my profile. I did not initiate this account, and I have no direct relationship or contract with Jefferson Capital Systems. 

I disputed the debt and requested all necessary documentation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including : A copy of the original signed agreement or application. 
Proof that Jefferson Capital is the rightful owner of the debt. 
XXXX that Jefferson Capital has a permissible purpose to report this information on my consumer report. 
Proof of my consent to share or use my personal information. 

Instead of providing proper documentation, Jefferson Capital continued to report the item. As per 15 U.S. Code 1681b, a permissible purpose must exist to access or report a consumers credit data. According to FCRA standards and consumer law, once a debt is charged off and sold or placed in collections, it no longer qualifies as a valid account and should not be reported in the same manner as a creditor account. 

At this point, I consider this account inaccurately reported and possibly fraudulent, and I am demanding regulatory intervention due to non-compliance with federal law and identity misuse.

Company response to consumer: Closed with explanation