vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NC

Complaint narrative:
Shows an XXXX bill on my report when the account was paid in full and the account was closed. Disputed the inaccurate information and it still remains on my NCTUE report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used my Chase XXXX XXXX card for a car rental transaction with XXXX in XXXX of XXXX and was involved in a small auto accident. I contacted my auto insurance and Chase Credit card about the auto collision damage waiver which I declined at rental as my Chase Benefit is supposed to cover that. I filed a claim with my auto ins and with Chase/XXXX  XXXX XXXX XXXX My auto insurance paid the claim to XXXX. It has been a never ending battle to get this claim paid. I signed everything they requested and emailed all documents they requested. Confirmed they received and keep calling to follow up on status. I continually keep being told or sent letters saying they still need info which I confirmed they have and that it's still under review and it is now 7 months later and the {$1000.00} deductable is still not paid. The first claim number was # XXXX and then they changed the claim number to # XXXX. 
And they continue to say its under review as a stall tactic. Help me get this easy issue resolved. This benefit was one of the reasons I picked this card and yet it takes so long to get it paid. XXXX is now threatening to take me to collections over the {$1000.00} deductable not being paid by Chase Credit Card. This should be a easy thing. When I call Chase its a never ending transfer to some other person who just says contact XXXX, but Chase is who I have the agreement with. Today is XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Last 4 of XXXX : XXXX The following account was charged off as of ( XXXX, XXXX ) Since then the account has repeatedly been updated as charged off every month. 

This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX  - XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I reviewed my credit report and found a serious inaccuracy regarding an account reported by XXXX XXXX. The account shows an opened date of XX/XX/year>, and a last active date of XX/XX/year> meaning the last activity occurred before the account was even opened, which is not logically or legally possible. 

The account is also marked as Open with a one-month installment term, no payment history, yet it shows a past due balance of {$1000.00} and a status of Seriously Past Due/ Assigned to Attorney, Collection Agency , or Credit Grantor. I have never received any formal notice, billing, or validation of this debt. 

I previously disputed the account and requested verification, but XXXX XXXX  has not provided any supporting documentation or corrected the inconsistencies. This violates FCRA sections 609 ( a ) and 611, which require information on my credit report to be accurate and verifiable. 

This account is causing unjust harm to my credit profile, and I am requesting a formal investigation by the CFPB and immediate deletion of this inaccurate entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I filed a dispute with Equifax regarding the XXXXXXXX XXXX account listed on my credit report. The account was already listed as a charge off for the last couple of years and my FICO XXXX score with the account already listed as a charge off was XXXX as of XX/XX/XXXX. I disputed the account because the account status on the credit report does not correctly reflect that the account is under a payment arrangement and monthly payments of {$80.00} are being made, which is evidenced by the accounts decreasing balance. After filing my dispute, Equifax dropped my score from XXXX to XXXX and I feel that this drop in score is punishment for filing the dispute because there have been no other significant changes in credit history to warrant this drop. Prior to filing my dispute, my score was XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX. If Equifax is not agreeing to change the status of my account as a result of the dispute ( which they left the account listed as a charge off despite my payment arrangement ) then that means the status of the account is the same as it has been for the last couple of years, which means my score should remain the same and not drop. If anything the aging of the account and the fact that payments are being made and the balance is decreasing, should reflect positively on the scoring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have several charges from my debit card from XXXX XXXX XXXX XXXX XXXX. Chase bank is stating I authorized these purchases of over XXXX in 10 days. First off I dont have that kind of money and secondly the money was put in my account to make a purchase. I went to pay a bill on XX/XX/year> and it did not go through. I had deposited XXXX in my account that same day. I looked and there were several charges to that same company and all of my money was gone. I called chase bank and opened an investigation on XX/XX/year>. I called today and was informed that the inverses complete and the charges were authorized. They were not authorized by me! They said it was from my phone. I have also been informed that there are new threats that scammers are mirroring your device and making transactions as all they need is the frequency signal. Please help me as I work hard for my money and this is just crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-08 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$420.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
We are submitting this complaint against American Honda Finance XXXX  due to a vehicle lease in our names that is still showing active, not suspended or satisfied, for a vehicle that has been at XXXX XXXX for repair since XX/XX/XXXX. Additionally, please note that after completing the XXXX arbitration process initiated by us to seek manufacturer repurchase/buyback for repeated/outstanding repairs, an XXXX  arbitrator awarded said repurchase/buyback on XX/XX/XXXX. After becoming frustrated with the lack of expediency by the manufacturer to comply with the arbitrator 's repurchase/buyback award, we personally notified American Honda Finance XXXX of the vehicle repurchase/buyback award decision acceptance on XX/XX/XXXX. Please note that said notification included both the official XXXX Arbitrator 's decision/award letter, as well as the official repurchase/buyback offer letter furnished to us directly from XXXX XXXX XXXX XXXX ( the manufacturer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citis response does not resolve the issue ( previous complaint number XXXX ). I am not asking to reopen the account I have no interest in continuing a banking relationship with Citi. I am simply requesting a fair and accessible way to pay the remaining balance on my XXXX XXXX line of credit. 

Citi closed my checking account XXXX XX/XX/year> without switching my statements to paper and blocked my online/app access. Because my line of credit statements remained electronic-only, I had no way to monitor the account, receive notifications, or make a payment. I made multiple attempts by phone and in person to obtain information. 

Once I discovered the past-due amount, I made a payment of {$360.00} on XX/XX/year>, in person at a Citibank branch XXXX which was the same day the payment was due. However, Citi still charged off the account and reported it as delinquent. Their response inaccurately states the payment was made on XX/XX/year> this is not true.

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 2025-07-08 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: GA

Complaint narrative:
I purchased a financed vehicle through XXXX XXXX on XX/XX/year>, using financing from Lendbuzz. I was provided with a XXXX report indicating only XXXX previous owners and XXXX minor accidents. However, after signing the contract, I discovered that I am actually the XXXX owner, and the vehicle had XXXX previous accidents XXXX of them occurred on the same day of purchase ( XX/XX/year> ), and involved structural damage, which was not disclosed to me. 

The dealership only delivered the car on XX/XX/year>, after the accident had occurred. This information was hidden from me, and I consider this a case of fraud and misrepresentation. I attempted to return the vehicle, but the dealership refuses to accept it. I have spoken with the manager, XXXX, and also contacted them via email with no success. 

I have already paid XXXX installments of {$550.00}, and the total financed amount is approximately {$33000.00}. I am requesting the cancellation of the loan and a full refund, as I was misled by the dealership, and I was not made aware of the true condition and history of the vehicle at the time of signing.

Company response to consumer: Closed with explanation