vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against JP Morgan Chase Bank NA regarding their failure to respond to a certified letter I sent on XX/XX/year>2025 Requesting full accounting and disclosure regarding the securitization status of my auto loan debt. 

In my letter, I specifically asked for : A complete and accurate accounting of my loan. 
Disclosure of any securitization or sale of my loan to third-party investors or trusts.

confirmation of the entity or entities that currently claim to hold an interest in or service the loan.

I sent this request via certified mail and have proof of delivery showing that JP Morgan Chase Bank NA received the correspondence. I provided a clear deadline of seven ( 7 ) Business days from the date of receipt to respond. That time period has elapsed, and I have not received any acknowledgement or response from JP Morgan Chase Bank NA.

As a consumer, I believe I am entitled to transparency and accurate information regarding the status and holding of my loan. Their failure to respond raises concerns that I may have been : Overcharged, due to a lack of proper accounting and potential misrepresentation of ownership.

Defrauded, if the loan has been securitized or sold and I have not been informed, or if payments were demanded by a party without legal standing.

This lack of response is unacceptable and appears to violate consumer protection laws, including those governing fair lending and financial disclosure. I am requesting the CFPB 's assistance in investigating this matter and compelling Chase Auto Finance to provide the information I am legally entitled to receive.

Attached : A copy of the certified letter sent Proof of delivery Account details Please advise on next steps and whether further action is recommended. I appreciate your immediate attention to this matter and look forward to your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00}

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 2025-07-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : 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 2025-07-02 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MN

Complaint narrative:
I disputed an alleged debt reported by XXXX XXXX and its debt collector, XXXX XXXX XXXX, related to account ending in XXXX. On XX/XX/year>, I tendered a payment of {$3200.00} marked Payment in Full Disputed Account, and requested the account be credited accordingly under applicable commercial law. 

XXXX XXXX acknowledged receiving payment and assigned an official dispute reference number ( XXXX ). Despite this, they failed to properly credit my payment or update the account status to Closed Paid in Full. Instead, they continued to report adverse information to credit bureaus, despite having actual knowledge of the dispute and payment. 

I submitted formal disputes and requests for debt validation, including affidavits and certified letters, but XXXX XXXX failed to provide lawful verification or resolve the dispute. Their continued adverse reporting violates the Fair Credit Reporting Act ( FCRA ), Minnesota consumer protection laws, and the Uniform Commercial Code. 

I have made multiple good faith attempts to resolve this matter directly, but the errors remain on my credit report. Therefore, I am requesting CFPB intervention to compel XXXX XXXX to cease all inaccurate reporting, validate the debt lawfully, remove negative tradelines, and comply fully with consumer protection laws.

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 2025-07-02 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed an alleged debt reported by XXXX XXXX and its debt collector, XXXX XXXX XXXX, related to account ending in XXXX. On XX/XX/year>, I tendered a payment of {$3200.00} marked Payment in Full Disputed Account, and requested the account be credited accordingly under applicable commercial law. 

XXXX XXXX acknowledged receiving payment and assigned an official dispute reference number ( XXXX ). Despite this, they failed to properly credit my payment or update the account status to Closed Paid in Full. Instead, they continued to report adverse information to credit bureaus, despite having actual knowledge of the dispute and payment. 

I submitted formal disputes and requests for debt validation, including affidavits and certified letters, but XXXX XXXX failed to provide lawful verification or resolve the dispute. Their continued adverse reporting violates the Fair Credit Reporting Act ( FCRA ), Minnesota consumer protection laws, and the Uniform Commercial Code. 

I have made multiple good faith attempts to resolve this matter directly, but the errors remain on my credit report. Therefore, I am requesting CFPB intervention to compel XXXX XXXX to cease all inaccurate reporting, validate the debt lawfully, remove negative tradelines, and comply fully with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MN

Complaint narrative:
I disputed an alleged debt reported by XXXX XXXX and its debt collector, XXXX XXXX XXXX, related to account ending in XXXX. On XX/XX/year>, I tendered a payment of {$3200.00} marked Payment in Full Disputed Account, and requested the account be credited accordingly under applicable commercial law. 

XXXX XXXX acknowledged receiving payment and assigned an official dispute reference number ( XXXX ). Despite this, they failed to properly credit my payment or update the account status to Closed Paid in Full. Instead, they continued to report adverse information to credit bureaus, despite having actual knowledge of the dispute and payment. 

I submitted formal disputes and requests for debt validation, including affidavits and certified letters, but XXXX XXXX failed to provide lawful verification or resolve the dispute. Their continued adverse reporting violates the Fair Credit Reporting Act ( FCRA ), Minnesota consumer protection laws, and the Uniform Commercial Code. 

I have made multiple good faith attempts to resolve this matter directly, but the errors remain on my credit report. Therefore, I am requesting CFPB intervention to compel XXXX XXXX to cease all inaccurate reporting, validate the debt lawfully, remove negative tradelines, and comply fully with consumer protection laws.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive made multiple attempts to address the errors on my credit report through the proper channels, but Ive received no meaningful response. The lack of resolution has been deeply frustrating and emotionally draining. These inaccuracies continue to damage my credit score and have led to repeated denials of credit, placing unnecessary strain on my financial well-being.

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 2025-07-03 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-02 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: OH

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

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 2025-07-02 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: Experian Information Solutions Inc.
State: MO

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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account was opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$5700.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My accounts were sold to a third-party credit debt collecting companies and I keep getting harassed with emails and phone calls urging me to settle with them and I never signed any paperwork with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My accounts were sold to a third-party credit debt collecting companies and I keep getting harassed with emails and phone calls urging me to settle with them and I never signed any paperwork with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter finance has shown up on my credit report, but this wasn't my credit reporting but my XXXX  brothers, who was born on the XXXX XXXX as me. And now we have similar social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
Suggested text ( in XXXX ) : On XX/XX/year>, I sent a written debt validation request to XXXX XXXX XXXX XXXX XXXX, the company reporting a debt originally from XXXX  XXXX XXXX for approximately {$600.00}. On XX/XX/year>, I received a response from XXXX, but it did not include any legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ). 

They failed to provide a copy of the original signed agreement, a detailed breakdown of the amount owed, or any proof that this debt actually belongs to me. Therefore, the account remains unverified and disputed. 

Despite this, the debt continues to appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), the credit bureau must delete or correct information that can not be verified. Reporting a disputed and unvalidated account is inaccurate and damaging to my credit profile. 

I am requesting that this unverified account be removed from my credit report immediately.

Company response to consumer: Closed with explanation