vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Starting on XXXX XXXX XXXXXX/XX/year> and continuing through XX/XX/year> I was in contact with someone claiming to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about a job with the school district. Everything looked legitimate at first and I accepted the supposed job. The person then sent me XXXX digital checks claiming XXXX was for a stiped for a home office set up ( Laptop and software ) and the other was a sign on bonus. I felt a little uncomfortable but have friends who work for companies that handle set up that way so I deposited the checks. JP Morgan Chase, my bank, put a hold on the checks which they always do for large amounts and eventually determined that they were fraudulent, returning the money and starting an investigation. 

I immediately contacted the bank and asked if there was anything I needed to do to help in the case and to protect myself. They said no and wished me a good day. Later I tried to make a transaction and found my account was frozen. I called the bank again and they said they could not give me any information and the fraud was being investigated. They told me to call back in a few days, which I did and the account was still frozen and they still refused to give me information and were now treating me like I was the fraudster. Today, over a week later, I called back and they still have my account frozen and refuse to give me any information. They claim they can't contact the investigator and that it can take up to XXXX months. I can't pay bills, I won't be able to make my credit card payment and I have to rely on help from my family because no money can go in or out of my account and I have no idea when it will be cleared up. No one has contacted me to give or get information through e-mail, paper mail or phone. I have no recourse with JP Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information being reported on my credit reports by XXXX XXXX XXXX  and the three major credit bureaus : TransUnion, Experian, and XXXX.

This incorrect information is negatively impacting my credit profile and must be investigated immediately.

I have identified discrepancies in the reporting of an account by XXXX XXXX XXXX  Account is XXXX the three credit bureaus Account Opening Date are listed below TransUnion reports the account was opened on XX/XX/year> Experian and XXXX  report the account was opened on XX/XX/year>. 
It is also a Charge-Off Reporting The account is reported as a charge-off across all three bureaus but the underlying account information is inconsistent and inaccurate.

I have attached the following documents for your review and it is a copy of my credit report highlighting the discrepancies.

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 2025-06-13 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-13 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: MI

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX. XXXX  XXXX Bankruptcy XXXX XXXX : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. LIGHTSTREAM ( Date of inquiry ) XX/XX/XXXX. XXXX. XXXX ( Date of inquiry ) XX/XX/XXXX. Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
I received several texts from a number, XXXX, with a suspicious link and offers to discount my debt from a number claiming to be Oliphant Collections. I have also received calls from XXXX ( XXXX ) XXXX requesting my personal information, like my date of birth and social security number. I have asked to receive a written notice of validation or any proof of debt, but the company will not provide the information and keeps sending numerous pressuring texts and calls during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America closed my checking account and reported it to XXXX  as Suspected Fraud with a closure status of No Monetary Loss. I later settled the account in full, and have a Paid in Full letter from Bank of America confirming the balance was resolved. 

Despite this, the bank refuses to report the correct closure status as Paid in Full, and continues to label the account as fraud which has resulted in banking denials and reputational damage. 

There is no investigation, no fraud claim against me, and no legal proceedings. This inaccurate, misleading reporting should be corrected immediately to reflect Paid in Full and remove the unsubstantiated fraud flag. 

Below I have attached a " Paid in full '' letter directly from Bank Of America XXXXrnal Recovery Services.

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 2025-06-13 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:
I am formally disputing any inaccurate or unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. The reporting of delinquent or derogatory information without verified, factual documentation violates both federal and state laws. You are legally obligated to ensure the accuracy, completeness, and legal basis of all data included in my consumer file. 

I am demanding tangible, verifiable evidence to support the validity and permissible purpose of the following accounts and personal information. If you are unable to provide such proof, you must immediately DELETE the associated records from my credit report. 

PERSONAL INFORMATION BEING DISPUTED Incorrect Name : XXXX XXXX Incorrect Employer : XXXX XXXX Incorrect Date of Birth : XXXX  Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX BEING DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe XXXX accounts are fraudulent or were opened without my knowledge or authorization. Under FCRA Section 604, I request original documentation bearing my signature or electronic authorization. The continued reporting of unverifiable data is not only negligent but also unlawful.

It is especially concerning that some of these accounts have already been deleted by other credit bureaus due to lack of verification, yet you continue to report them. This is a direct violation of FCRA 611 and 1681i, which require deletion of unverifiable accounts upon dispute. Reporting inconsistent balances, derogatory statuses, or charge-offs after debts are deemed uncollectible constitutes willful non-compliance under 15 USC 1681n and exposes your agency to legal liability.

FINAL NOTICE OF NON-COMPLIANCE I am deeply disappointed by the apparent failure to maintain full compliance with the FCRA and XXXX XXXX standards. Your reporting practices fall short of legal requirements for truthfulness, accuracy, and timely correction. If you can not provide full method of verification, including original documentation, I demand immediate deletion of the disputed items. 

Failure to correct these violations will force me to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

I authorize you to respond via physical mail with documentation of your investigation and updates to my report. I expect a full resolution within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : 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 2025-06-13 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: AL

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-06-13 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: EQUIFAX, INC.
State: AL

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Fay Servicing was charging me late fees for being more than XXXX  days late. Every mortgage company that i deal with is always XXXX  days grace period. they hid that information from me and also. hid that they were charging late fees and adding it to me account in which i was paying additional interest on. When i asked for forgiveness and can they honor the XXXX  months of late fees- Their response was that i should have read the fine print. These people are thieves and will scam at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: TN

Complaint narrative:
My bank account information was compromised somehow, and fraudulent charges were made to my credit card, in the amount of {$510.00}. 
This transaction was reported the same day the charge was made, which was on XX/XX/year>. 

They did issue me a new credit card, with a new number, that I activated on XX/XX/year> with no issues. 

However, the charge of {$510.00} still remains on my statement and has not been removed, therefore reflecting a balance that is incorrect. Without this issue being resolved, this fraudulent charge could affect my credit score due to the balance showing as a late payment. 

This charge was made on XXXX XXXX XXXX website, which I have used in the past. 
I logged into this account and can show where someone has used my card and my name to send their order to THEIR address in Texas.

They did this transaction two times, once to my PNC bank and once with my XXXX XXXX XXXX Account. Leaders has taken care of the issue, extremely quickly. However, PNC has not. 
I just spoke with PNC again, and she had to re-dispute the charge because she could not show it was resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 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:
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 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 non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-13 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: PA

Complaint narrative:
I XXXX XXXX XXXX reviewed my credit report and found the following accounts to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account XXXX Account was open : XX/XX/XXXX Account Balance : {$1700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX open : XXXX. XXXX, XXXX Account Balance : {$3400.00} Account Name : XXXX XXXX  Account number XXXX Account was open : XX/XX/XXXX Account Balance : {$19000.00}

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 2025-06-13 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: SC

Complaint narrative:
I review my Equifax credit report and saw and account that didn't belong to me. This account is XXXX account ending in XXXX with a balance of {$5100.00}. XXXX 's account was open in XXXX of XXXX and notice this account on my Equifax credit report in XX/XX/XXXX. I have contacted XXXX and did a police report and FTC report.

Company response to consumer: Closed with non-monetary relief