vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I have no stake in these accounts ; take them down within 15 days in compliance with USC 1681g.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-13 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: GA

Complaint narrative:
Dear Equifax, I am writing to dispute the following information in my credit report. The details are as follows : CHARGED OFF Account Name : XXXX XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : {$2300.00} Additionally, I am disputing the inquiry from : INQUIRIES Account Name : XXXXXXXX XXXX XXXXXXXX Account Date : XXXX Furthermore, I am requesting a review of the following account for potential late payment reporting : LATE PAYMENT Account Name : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am writing to file a formal dispute with regard to accounts and inquiries that have been inaccurately reported on my credit file. I request that the following disputes be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5300.00} Account Name : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2500.00} Account Name : XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXXXXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
Please review this entry ; its delayed and might be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank , N.A . for the sudden and unexplained closure and locking of all my accounts after I followed my J.P. Morgan advisors instructions to participate in a XXXX XXXX XXXX ( XXXX ) promotion. 

My J.P. Morgan advisor informed me about a XXXX promotional offer that provided a bonus of approximately {$3000.00} if I deposited {$500000.00} within about 45 days of opening my account. To begin qualifying for this offer, I opened a new J.P. Morgan XXXX XXXX account and transferred {$100000.00} in cash and initiated an additional {$400000.00} asset transfer from my XXXX XXXX account a total of {$500000.00} so far. 

I acted entirely in good faith, following my advisors instructions and planning to transfer additional assets to meet the promotion requirement. However, shortly after I transferred the {$100000.00} cash, Chase closed my brokerage account without warning or explanation, even though the {$400000.00} asset transfer was still in process.

When I contacted Chase, they said they did not receive the funds. I explained that I could prove the legitimate source of the {$100000.00}, which came directly from stock sales in my brokerage account, and I offered to provide trading records and sale confirmations. Chase representatives told me they dont care and refused to review my documentation or resolve the issue. 

After that, Chase locked all my other accounts, including my checking and credit card accounts, cutting off access to all my funds. The personal banking department told me they can not help because the issue is with the wealth management division. Chase has also forbidden me from contacting my J.P. Morgan advisor, even though I was simply following his instructions from the start.

I have done nothing wrong. I was participating in a Chase promotional program in good faith, provided full transparency about my funds, and have now been left without access to any of my Chase accounts or money. 

I have communicated with my previous brokerage account, and they are willing to help me to recall transaction. My lost will be probably very small, just XXXX dollar cash in the wealth management account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am writing to dispute the following charged-off accounts reported on my credit file, which I believe are inaccurate or incomplete : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Date Opened : XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX , Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
I believe that the following accounts reported on my Experian credit report are either incomplete, inaccurate, or not reported according to the guidelines of the Fair Credit Reporting Act ( FCRA ). Please investigate and correct these discrepancies. 

Charged Off Accounts : XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Over a 3 week period from XX/XX/XXXX to XX/XX/2025 XXXX fraudulent transactions we made on my checking account ranging from XXXX cents to XXXX to the same XXXX account. This alone should have raised a red flag and froze the account. The bank did nothing of the sort. Once this was discovered by me it was reported to the bank withing minuets. They opened an investigation and concluded that no fraud took place.

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 monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Title : Bank of America Improper Collection Practices & Unverified Debt Reporting What happened : Bank of America is attempting to collect on an alleged credit card account ending in XXXX. I have disputed the accuracy and validity of the balance and requested full validation under the FDCPA. Instead of providing validation, Bank of America continues sending collection notices and threatening charge-off. 

I have requested written communication only and they continue to pressure for payment without validating the debt. 
They have not provided : A copy of the original signed agreement A full accounting breakdown Proof of ownership of the debt Evidence of accurate reporting They are attempting to collect without validating the debt as required by law.

Desired Resolution : Require Bank of America to provide full FDCPA-compliant validation Remove or correct any inaccurate negative credit reporting Stop collection activity until validation is complete Provide documentation proving the exact amount owed and the legal basis for the 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
misleading marketing tactics with no compliance footers, disclosures or disclaimers. NO APR stated on either public or private remarks. 
SAVINGS with XXXX XXXX at Evergreen Home Loans .75 % Lender Credit & {$7500.00} Seller Credit when preferred lender used. Special Financing offering an incredible 5.75 % interest rate through a special seller credit program '' Listing at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 141 days on market.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The creditor is reporting a delinquency that is a result of a XXXX forbearance agreement and that I have sent a dispute to the creditor.

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 2025-11-13 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), you are required to ensure the maximum possible accuracy of all the information on my credit file. 
Upon reviewing my credit report, I noticed the following discrepancies that must be corrected immediately : 1. Account in Collection : Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported as : In collection Discrepancy : This account is listed as in collection. However, I have made payments and believe this account has been settled. Please verify the status or remove it if not substantiated. 
2. Delinquent Accounts : Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported as : Delinquent Discrepancy : This account shows a delinquent status despite being current with payments. Please verify the accuracy of this status or correct it. 
3. Derogatory Account : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported as : Charge-off/Derogatory Discrepancy : This account shows a derogatory status. However, I believe this account should be reported as current or settled. Kindly verify and provide supporting documentation for this claim.

I am requesting that you conduct a reasonable reinvestigation of these items under FCRA 611 and provide me with the results within 30 days. As required, please provide documentation verifying the accuracy of these reports or delete the items if they can not be substantiated.

Metro 2 Compliance Violations : Ensure that the Date of First Delinquency ( DOFD ) and Account Status fields align correctly as per Metro 2 reporting guidelines. 
If the account is incorrectly reported as charged off or delinquent, verify that these fields are consistent with the payment history. 
Please verify that the Payment History Profile ( PHP ) is reported correctly and consistently.

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 2025-11-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-13 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: TX

Complaint narrative:
I am writing to dispute the following accounts that are being inaccurately reported on my credit report. These accounts, listed below, contain information that I believe violates the Fair Credit Reporting Act ( FCRA ), and I am requesting that they be investigated and corrected accordingly. The details of the disputes are as follows : INQUIRIES XXXX  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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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