vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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:
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. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid this collection off with XXXX XXXX XXXX weeks ago and dispute the collection on my report and then they took it off and put it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, Today, BOTH of my Chase accounts were closed. I received NO forewarning. I am currently in another country and the main source for handling all financial transactions while abroad was my Chase Sapphire card. When I called to clarify why BOTH of my accounts were abruptly closed, I was told it was due to excessive disputes. I understand why this may have been a concern, however, most, if not ALL of my disputes have been proven valid. As a paying customer, {$590.00} annual fee, I thought one of the perks was having a liaison handle the inconvenience of disputes on my behalf. I was not made aware that my disputes were problematic and I think its completely unfair that BOTH of my accounts were closed without giving me any opportunity to figure out alternative plans being that all my accounts were with Chase. I can not believe Ive been treated this way despite having been a loyal Chase customer for many years. ALL of my payments have been made on time. I would like to redeem my points and be refunded the annual fee I just paid in XXXX being that I have not been able to complete the full year. I am also highly bothered that I was not given any notice of the closure of BOTH accounts because all my bills are on auto pay and this is going to cause a complete disaster for me. I cant believe this is how Chase treats its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In early XXXX, I reported fraudulent debit card activity resulting in {$2000.00} in overdraft protection fees automatically charged to my credit card. My bank representative 's investigation was inadequate, and I was prohibited from paying the {$2000.00} overdraft ( at a high interest rate ) to my credit card without settling the entire balance. This fraudulent activity resulted in a total loss of {$6000.00}. Since then, despite making minimum payments, I was not informed that high monthly interest would accrue, potentially increasing the {$2000.00} overdraft to {$6000.00}. Chase Bank refuses to reinitiate the investigation and access archived bank statements from XXXX. I contend that I should not bear the financial burden of their oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-26 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: MN

Complaint narrative:
Please remove these hard inquiries from my credit profile. I do not know their origin, as I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX CA XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MN

Complaint narrative:
Please remove these hard inquiries from my credit profile. I do not know their origin, as I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX CA XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year>

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment & Improper Business Account Reporting under FCRA 611 and 623 To Whom It May Concern, I am formally disputing a derogatory tradeline inaccurately reporting on my Experian credit report. The account in question is not only showing an incorrect 60-day late payment, but it is also a business credit card that should not be reporting on my personal consumer file. This is in direct violation of the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately. 

Disputed Account Information : Creditor Name : XXXX XXXX  Account # : XXXX * * * * Reported Status : 60 Days Late Balance : {$17000.00} Credit Type : XXXX XXXX Credit Card XXXX XXXX Credit Card Reported Only To : Experian Date of Alleged Late : XX/XX/year> Dispute Grounds : XXXX. Inaccurate Late Payment Reporting The account is reporting as 60 days late, however payment history and internal documentation confirm the payment was no more than 30 days late. This reporting is factually incorrect. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information accurately and completely. If you can not verify this late payment with clear documentation, the status must be corrected or removed immediately.

2. Improper Reporting of a Business Account on Personal Credit This is a business credit card, not a personal liability. Reporting business accounts on a personal consumer credit filewhen not explicitly guaranteed or contracted as a personal liabilitymay constitute a violation of FCRA 604 regarding permissible purpose.

I am demanding removal of this account from my personal credit file as it does not belong under consumer reporting guidelines. 

XXXX. Discrepancy Across Bureaus ( Experian Only ) This derogatory status appears only on Experian, not on XXXX XXXX XXXX  This inconsistency raises concern about the reliability and verification methods used by Experian and the data furnisher.

Under FCRA 611 ( a ), I am requesting a full reinvestigation of this item and deletion if it can not be independently and lawfully verified.

Resolution Requested : Remove the incorrect 60-day late payment OR update to reflect accurate 30-day status Immediately remove this account from my personal credit report 
as it is a business credit card Provide the method of verification used to confirm both the payment status and permissible reporting of a business account on a personal file, per FCRA 611 ( a ) ( 7 ) Please provide a written response and updated copy of my Experian report reflecting the results of this reinvestigation within 30 days, as required by law. 
Sincerely, 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment & Improper Business Account Reporting under FCRA 611 and 623 To Whom It May Concern, I am formally disputing a derogatory tradeline inaccurately reporting on my XXXX  credit report. The account in question is not only showing an incorrect 60-day late payment, but it is also a business credit card that should not be reporting on my personal consumer file. This is in direct violation of the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately. 

Disputed Account Information : Creditor Name : XXXX XXXX  Account # : XXXX * * * * Reported Status : 60 Days Late Balance : {$17000.00} Credit Type : XXXX XXXX Credit Card XXXX XXXX Credit Card Reported Only To : XXXX  Date of Alleged Late : XX/XX/year> Dispute Grounds : XXXX. Inaccurate Late Payment Reporting The account is reporting as 60 days late, however payment history and internal documentation confirm the payment was no more than 30 days late. This reporting is factually incorrect.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information accurately and completely. If you can not verify this late payment with clear documentation, the status must be corrected or removed immediately.

2. Improper Reporting of a Business Account on Personal Credit This is a business credit card, not a personal liability. Reporting business accounts on a personal consumer credit filewhen not explicitly guaranteed or contracted as a personal liabilitymay constitute a violation of FCRA 604 regarding permissible purpose.

I am demanding removal of this account from my personal credit file as it does not belong under consumer reporting guidelines.

3. Discrepancy Across Bureaus ( XXXX  Only ) This derogatory status appears only on XXXX, not on XXXX  or Equifax. This inconsistency raises concern about the reliability and verification methods used by Experian and the data furnisher.

Under FCRA 611 ( a ), I am requesting a full reinvestigation of this item and deletion if it can not be independently and lawfully verified.

Resolution Requested : Remove the incorrect 60-day late payment OR update to reflect accurate 30-day status Immediately remove this account from my personal credit report as it is a business credit card Provide the method of verification used to confirm both the payment status and permissible reporting of a business account on a personal file, per FCRA 611 ( a ) ( 7 ) Please provide a written response and updated copy of my Experian report reflecting the results of this reinvestigation within 30 days, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment & Improper Business Account Reporting under FCRA 611 and 623 To Whom It May Concern, I am formally disputing a derogatory tradeline inaccurately reporting on my XXXX  credit report. The account in question is not only showing an incorrect 60-day late payment, but it is also a business credit card that should not be reporting on my personal consumer file. This is in direct violation of the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately. 

Disputed Account Information : Creditor Name : XXXXXXXX XXXX Account # : XXXX * * * * Reported Status : 60 Days Late Balance : {$17000.00} Credit Type : XXXX XXXX Credit Card XXXX XXXX Credit Card Reported Only To : Experian Date of Alleged Late : XX/XX/year> Dispute Grounds : XXXX. Inaccurate Late Payment Reporting The account is reporting as 60 days late, however payment history and internal documentation confirm the payment was no more than 30 days late. This reporting is factually incorrect.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information accurately and completely. If you can not verify this late payment with clear documentation, the status must be corrected or removed immediately.

2. Improper Reporting of a Business Account on Personal Credit This is a business credit card, not a personal liability. Reporting business accounts on a personal consumer credit filewhen not explicitly guaranteed or contracted as a personal liabilitymay constitute a violation of FCRA 604 regarding permissible purpose.

I am demanding removal of this account from my personal credit file as it does not belong under consumer reporting guidelines. 

XXXX. Discrepancy Across Bureaus ( XXXX  Only ) This derogatory status appears only on XXXX, not on TransUnion or XXXX. This inconsistency raises concern about the reliability and verification methods used by XXXX  and the data furnisher.

Under FCRA 611 ( a ), I am requesting a full reinvestigation of this item and deletion if it can not be independently and lawfully verified.

Resolution Requested : Remove the incorrect 60-day late payment OR update to reflect accurate 30-day status Immediately remove this account from my personal credit report as it is a business credit card Provide the method of verification used to confirm both the payment status and permissible reporting of a business account on a personal file, per FCRA 611 ( a ) ( 7 ) Please provide a written response and updated copy of my Experian report reflecting the results of this reinvestigation within 30 days, as required by law. 
Sincerely, 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