vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dispute Statement for CFPB Complaint I am submitting this formal dispute regarding the recent data breach and the resulting exposure of my personal information by your company. My sensitive consumer information was compromised through no fault of my own. This breach has subjected me to potential fraud, identity theft, and lasting harm. 

Your company has failed in its duty to safeguard consumer data and to maintain compliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of consumer reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures.

Fair Credit Data Reporting Act ( FCDRA ) Mandates the responsible handling and protection of consumer data, which has clearly been violated. 

Metro 2 Compliance Standards As a data furnisher, you are required to ensure accurate, timely, and complete reporting. Continuing to report accounts after a known breach exposes consumers to further harm and violates industry compliance requirements.

As a direct result of this breach, I demand permanent deletion of all negative information that is inaccurate, unverifiable, or harmful on my consumer file. This includes, but is not limited to : All collections All hard inquiries All late payments All charge-offs Any and all inaccuracies tied to my personal information This demand is made pursuant to my rights under the FCRA, the FCDRA, and CFPB enforcement authority . Correction is not acceptable deletion is the only remedy, as the breach demonstrates you can not guarantee accuracy or protect the integrity of my data. 

Additionally, I am requesting full documentation of every party with whom my data has been shared since the breach, as required under federal law. Failure to comply will constitute continued willful non-compliance and will be reported to federal regulators, class-action attorneys, and oversight agencies. 

I expect immediate investigation, written confirmation of permanent deletion of all disputed items, and assurance that my consumer file will be maintained in strict compliance with all federal laws and Metro 2 standards moving forward.

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 2025-09-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Bright Capital Inc
State: MS

Complaint narrative:
I requested validation of debt and didnt receive it XX/XX/year>. There are several fcra laws that were violated. This is affecting my credit and mental state as a XXXX veteran. Im requesting this account to be deleted off all of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX enrolled me in AutoPay and all payments were always withdrawn. After I canceled, the company failed to withdraw a small {$32.00} balance it had authorization to collect and instead sent it to Aldous & Associates for collections. No payments were ever missed, and I disputed the account. Despite my cease-communication request, they continued contacting me by phone and email. I request removal of any negative credit reporting, closure of the account at XXXX balance, and an end to all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXXXXXX XXXX XXXX my checking account got hacked or rather Chase let someone inside their system swap my phone number, then sent me their own change confirmed email-like they were in on it. Next call, fraud team says hey, we see risk, and seconds later, without my code or click, XXXX drains XXXX XXXX. When I said I never okayed it, they blamed bad security questions I barely understood in XXXX XXXX, cause their logs show the limit jumped first. Chase, please reverse the charge under Reg E-its your breach, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute 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 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 2025-09-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 15 U.S.C.1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section 2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 15 U.S.C.1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section 2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am disputing an alleged debt of {$72.00} that Harris & Harris XXXX Ltd. claims I owe to XXXX. Harris & Harris is reporting this collection to the credit bureaus. 

This debt is not valid. I contacted XXXX directly multiple times ( Billing, Legal, and Security departments ), and XXXX confirmed that I have no pending balances or unpaid accounts. I only have one XXXX account, which is active, in good standing, and has never had a late or missed payment. 

Despite this, Harris & Harris reported this alleged debt to the credit bureaus, which I discovered only after noticing negative information on my credit file. I have never received any prior communication from XXXX or Harris & Harris by mail, email, or phone regarding this supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sparrow Financial, Inc.
State: GA

Complaint narrative:
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 Re : Identity Theft Dispute Request for Blocking of Fraudulent Information ( 15 U.S.C. 1681c-2 ) Related to : XXXX  Data Incident / Breach To Whom It May Concern : I am writing to notify you that I am the victim of identity theft resulting from the XXXX  data breach.

I did not authorize the accounts, inquiries, or other activity listed previously, and I hereby dispute any and all information on my credit file that was created or affected by that unauthorized access. 
Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I request that you immediately block from my credit file all information relating to the fraudulent accounts and inquiries arising from the XXXX  data breach that are not clearly attributable to me. 
Enclosed with this correspondence are copies of the following supporting documents : XXXX. A copy of my Identity Theft Report from IdentityTheft.gov ( or the police report, if applicable ). XXXX. A copy of a government-issued photo identification ( driver 's license ). 
XXXX. Proof of my current address ( utility bill / bank statement ). 
XXXX. Any other documentation I have that supports my claim of identity theft. 
Please treat this matter with the urgency it requires. I request that you : 1. Block the fraudulent information from my credit file under 15 U.S.C. 1681c-2.

2. Conduct a thorough and timely investigation and provide me with the results in writing. 
XXXX. Provide a written confirmation that the fraudulent items have been blocked/removed. 
XXXX. Place an extended fraud alert on my credit file. 
XXXX. Provide me with an updated copy of my credit report showing the results of your investigation. 
My contact information is listed above ; you may reach me by phone at XXXX or by email at XXXX for any necessary follow-up. I appreciate your prompt attention to this serious matter. Sincerely, ______________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase Bank , National Association, has engaged in breach of fiduciary duty and fraudulent banking practices by mismanaging trust res, concealing credits, and failing to meet required tax reporting obligations. The bank has unlawfully converted negotiable instruments and securities into private profit without disclosure or accounting to the beneficiary, while refusing to apply lawful tender and subrogation, thereby creating fraudulent tax exposure and depriving Treasury of mandated filings. Further, JPMorgan Chase filed a lawsuit leveraging XXXX XXXX, XXXX, Clerk of the Court and Comptroller of XXXX XXXX , as a clearinghouse mechanism to process bonds and securities for multiple payments, effectively monetizing the same obligation repeatedly. This conduct constitutes fraudulent misapplication of funds, conversion of trust property, and racketeering, in violation of the Right to Financial Privacy Act, 26 U.S.C. 6041, and 18 U.S.C. 1344, 654, and XXXX. In an already fragile economic environment, such actions cause undue harm to the beneficiary and the broader public. I demand OCC investigation, a full accounting of credits, debits, and securities generated through this case, correction of tax filings, and sanctions against JPMorgan Chase officers and complicit court officials for dishonor, concealment, and systemic misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/year> ( Portfolio Recovery ) add a derogatory mark on my credit report per XXXX  and XXXX  upon further research, this account was transferred/ sold i am no longer responsible for this account. Debtor Creditor did not verify this collection also there was no written form of communication, contract or signature. a bill without a signature does not validate a debt, and anybody can say it's mines according to the FCRA ( Portfolio Recovery ) has violated my rights as a consumer and im requesting for it to be removed from these accounts immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NJ

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( TransUnion, Experian, and Equifax ) have reported inconsistent and unverifiable information regarding my account with XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. Since the dates and late payment notations reported by the bureaus are conflicting and can not be verified with complete accuracy, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure the removal of these inaccurate late payment records from my credit reports

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 2025-09-21 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX and its lending practices, which I believe constitute predatory lending and violations of consumer financial protection laws. 

XXXX XXXX extended a loan to me under terms that were misleading, excessively burdensome, and not fully transparent. The high interest rates, combined with the structure of the loan, have placed me in a position of financial harm. I believe these practices are unfair, deceptive, and in violation of the protections afforded to consumers under federal law. 

I made payments on the account the account was sold ; I have requested the original agreement along with the chain of custody and have not received. 
In addition, XXXX XXXX has reported this account to the three major credit bureaus ( XXXX XXXX XXXX XXXX ). Because of the predatory and unlawful nature of this lending arrangement, I am requesting that this account be reviewed and removed from my credit reports. 

I ask that the Consumer Financial Protection Bureau investigate XXXX XXXX 's practices and take the necessary action to ensure compliance with applicable laws. Please also ensure that this account is deleted from all three credit reporting agencies to prevent further damage to my credit profile. 

I am prepared to provide supporting documentation, including loan agreements, payment records, and credit bureau reports, if needed. Please advise on any additional steps I should take to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 15 U.S.C.1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section 2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-09-21 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:
Delete Immediately XXXX XXXX  Account Reporting in Violation of the Law Remove immediately and delete this account from my credit file, as it is being reported in direct violation of federal law. Disputed Account Information Furnisher : XXXX XXXX  Original Creditor : XXXX  XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX ( Experian/Equifax ) XXXX XX/XX/XXXX ( XXXX  ) Status : Collection / Charge-off Derogatory Date Last Active : XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( Equifax ) Last Reported XXXX XX/XX/XXXX This account is inaccurate, inconsistent, and unverifiable. Each bureau reports different dates, statuses, and comments, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). XXXX  lists it as a collection account opened XX/XX/XXXX with last activity XX/XX/XXXX. Experian lists it as an open account derogatory opened XX/XX/XXXX. Equifax lists it as a collection account opened XX/XX/XXXX but shows last activity as XX/XX/XXXX, which is contradictory. Legal Violations 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy. 15 U.S.C. 1681i : Duty to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate. By continuing to report this account, the credit bureau is in willful noncompliance with federal law. Resolution Demanded I demand that you : Delete immediately the XXXX XXXX  tradeline ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX  ) from my credit report. Provide written confirmation of deletion within 15 days. Cease reporting this inaccurate and unlawful account to any third parties. Notice of Intended Action If you fail to comply, I will escalate by filing complaints with the FTC, and my State Attorney General, and pursue civil remedies under 15 U.S.C. 1681n & 1681o for statutory and actual damages, defamation, and emotional distress. This matter is urgent and directly affects my financial stability. I expect full compliance with the FCRA without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX, I submitted a formal request to Shellpoint Mortgage Servicing to release a lien related to a Home Equity Line of Credit ( HELOC ) originally issued by XXXX Loans. This loan ( account # XXXX ) was accelerated in XXXX and matured in XXXX. Under Washington state law ( RCW 4.16.040 ), the lien is time-barred and unenforceable, and I am requesting a voluntary reconveyance. 

Shellpoint assumed servicing of this HELOC from XXXX in XX/XX/XXXX, as confirmed in their own letter. However, despite repeated correspondence from me correctly referencing the HELOC account number, Shellpoint repeatedly responded referencing a different loan ( my first mortgage ). In their most recent letter dated XX/XX/XXXX, Shellpoint falsely claimed they have never serviced any HELOC, directly contradicting their XX/XX/XXXX notice and the XXXX XXXX ownership transfer letter. 

I am seeking regulatory assistance to confirm whether Shellpoint is servicing or enforcing this lien. If they are not, I request that they issue a reconveyance to remove the expired lien from title. I am also concerned about their repeated failure to investigate or acknowledge my actual request, which may violate RESPA and FDCPA.

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