vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
My XXXX XXXXXXXX XXXX XXXX. account is being reported as charged-off and past-due despite being under an active repayment plan. I have made consistent XXXX XXXX monthly payments since XX/XX/year> through XXXX XXXX XXXX on behalf of XXXX XXXX. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA 607 ( b ) ) which requires furnishers to ensure maximum possible accuracy, and FCRA 623 ( a ) ( 2 ), which requires correction of incomplete or inaccurate information. The account is still being reported with a charge-off and delinquency code even though it is in good standing under repayment. 

I have attached a detailed complaint letter and a PDF of my verified payment history as evidence of ongoing repayment. XXXX XXXX has not provided written clarification or corrected this tradeline after I requested verification of its current reporting status.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i dispute the XXXXXXXX XXXX  account listed on all three bureaus. XXXX is reporting inaccurate balances and payment histories, violating FCRA 623 ( a ) ( 1 ) ( A ). I demand deletion unless XXXX produces signed contracts and proof of accuracy. Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable tradelines must be deleted.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX Request for Debt Validation Pursuant to FDCPA 809 ( 15 U.S.C. 1692g ) Dear Jefferson Capital Systems , LLC, I am writing in response to your letter dated XX/XX/year>XXXX  regarding the alleged debt you claim I owe of {$320.00}. Please be advised that I am requesting validation of this debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Until you provide the documentation requested below, please cease all collection activities and do not report or continue reporting this debt to any credit reporting agency. 

Please provide the following : 1. The name and address of the original creditor and the original account number.

2. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges added.

3. A copy of the original signed agreement or contract establishing the debt.

4. Documentation showing that Jefferson Capital Systems , LLC has the legal right to collect on this debt ( chain of title or assignment from the original creditor ). 
5. The date of last payment or activity on the account, to confirm whether the debt is within the statute of limitations for collection in my state. 

This letter is not a refusal to pay but a formal dispute of the alleged debt until proper validation is provided. I request that all future communications regarding this matter be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: IA

Complaint narrative:
I am having a problem getting my Innovis, XXXX XXXX and XXXX XXXX XXXX  annual consumer report. I want Innovis, XXXX XXXX XXXX and XXXX XXXX to mail me a complete copy of my annual consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I had a hard inquiry from JPMC ( Chase Bank ) I didnt apply for anything so I was confused but then I got another hit from Chase on XX/XX/XXXX this time I called Chase an verified with them it was NOT me who inquired anything with them they said they would take care of it then again for third time on XX/XX/XXXX I get hit again from Chase so again I call them an they suggested me to get my credit frozen I didnt know what that was at the time but I did research and got my credit frozen these have been really hard on my score an its been over a year, luckily I had my credit frozen because on XX/XX/XXXX someone tried again I work hard at maintaining and improving my score, I got a letter in the mail saying premier health had a data breach nearly the end of XXXX then all these come along I know I was apart of that breach and someone is using my social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX afternoon Bank Name : XXXX Chase Bank Type of product : Bank account or service Issue : Fraud or scam Company response : Denied my claim I was scammed by a criminal impersonating Chase Bank using a spoofed phone number that matched the official Chase number listed on XXXX. The scammer called me pretending to be a Chase fraud XXXX. They had access to my personal information, sent me real Chase-style verification codes, and told me to use XXXX to secure my account. The phone call, website links, and messages all appeared completely legitimate they even showed up with the Chase logo and address. 
I unknowingly sent money to the scammer through XXXX, thinking I was protecting my Chase account. These were two separate transactions : {$1000.00} {$490.00} After I realized it was a scam, I immediately contacted Chase the same day and reported the fraud. However, they denied my claim, saying the transactions were made from my device, even though I was clearly tricked and manipulated by a scammer posing as Chase. 
This is a clear case of social engineering fraud, and the scam involved Chases own branding, caller ID spoofing, and fake links. I am asking for the claim to be re-opened under Regulation E, which covers unauthorized electronic fund transfers including those where the consumer was misled into initiating the transaction under false pretenses.

I am requesting a full investigation and reimbursement for the two unauthorized XXXX transfers totaling {$1400.00}. 
This scam was highly sophisticated and designed to look like it came from Chase. I urge the CFPB to hold Chase accountable for failing to protect consumers and to honor their responsibilities under federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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: MOHELA
State: VA

Complaint narrative:
On XX/XX/year> I sent a certified email tXXXX XXXX XXXX XXXX XXXX for issues with removing invalid inquiries and for detailed verification of a company who has been reflecting multiple loans. 

My letter wrote : I am writing to dispute the accuracy and completeness of a collection account appearing on my credit file. The item is reported by TransUnion on behalf of MOHELA ( student loan servicer ) under my name. This account does not belong to me and continues to report with invalid and inflated fees. Because the information is inaccurate and can not be verified as required by law. Please include in your response : The name and address of the furnisher who verified this information ; The method and documentation used to verify it ; and An updated copy of my credit report reflecting any deletions or corrections. 
Failure to comply with these obligations may constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, for which I reserve my right to pursue all available remedies. request its prompt deletion from my credit report.

I have not received adequate documentation tying this collection to me as the correct consumer, nor proof that the collector has the right to collect or to report this tradeline.

Under the FCRA 611 ( 15 U.S.C. 1681i ), you must conduct a reasonable reinvestigation of disputed information and delete or correct anything that is inaccurate, incomplete, or can not be verified generally within 30 days of receiving this dispute. You must also notify the furnisher of the dispute.

TransUnion quickly responded verified without actually conducting a verification or providing any documentation or information how by who or anything regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
I am hereby contesting the accuracy of any information contained within my credit report that lacks substantiated evidence. This pertains particularly to unproven claims, such as allegations of delinquency and derogatoriness. My action is aligned with the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and adheres to the recognized industry standard for XXXX XXXX data field reporting. I emphasize that, in accordance with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively. Reporting claims that contravene established laws and regulations is not only inaccurate but also unjust. I write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as mandated by the XXXX XXXX reporting standard. I kindly request that you furnish tangible, verifiable evidence substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I insist on the removal of said account from my credit report. In accordance with this request, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. Your prompt attention to this matter is greatly appreciated. 

XXXX & XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$7100.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have XXXX credit card accounts with Citibank, all of which have been in good standing for years. I have a XXXX credit history with no late payments on any of my credit accounts, and I consistently maintain credit utilization below my credit limits. I verified this information through recent credit reports from all three credit bureaus. 

Despite my strong credit profile, Citibank recently sent me emails stating they had unilaterally reduced the credit limits on all three of my accounts. Each credit limit was reduced to approximately the current balance on the cardwithin a couple XXXX dollarsrendering the cards virtually unusable and negatively impacting my credit profile. 

These actions have had multiple negative consequences : Credit utilization spike : By reducing the credit limits to just above the current balances, Citibank drastically increased my credit utilization ratio, which significantly impacts my XXXX XXXX. Prior to this change, my utilization on these cards was XXXX XXXX XXXXr less ; now it is essentially XXXX XXXX 

Recurring payment disruption : XXXX of these cards is used for recurring monthly payments such as utilities and car insurance. The reduced limit makes it impossible to process these payments without exceeding the credit limit, potentially resulting in declined transactions or overlimit fees. 

No valid justification and no recourse : I contacted Citibank to request at least a partial restoration of the credit limit on the card used for recurring payments. I was told there was nothing they could do. They did not offer any valid reason for the reductions or explain how such action was justified given my strong credit history and excellent payment behavior. 

These actions feel arbitrary and punitive, especially considering my exemplary credit history and responsible card usage. Theyve not only disrupted my ability to manage my finances but have also harmed my XXXX XXXX and my ability to obtain financing at favorable terms.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 
A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being.undefined ;

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am extremely disappointed and frustrated to find negative items in my credit profile. It is simply unacceptable and outrageous that such baseless claims have been reported against me. I demand that you immediately remove any derogatory information about me from your records! These allegations against me are completely false, and I have yet to receive any substantial evidence to support them. Your report contains numerous deviations from mandatory reporting standards, which means that the information in it can not be accurate and complete. I am challenging you to provide me with documented proof that the information you have reported is accurate and in compliance with all the relevant regulations. According to 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ), it is your responsibility to furnish accurate and truthful information about me. You have also failed to conduct a reasonable investigation of my disputes. Any mistakes in reporting can seriously impact my reputation and financial standing, and I demand that you take this matter seriously. Your carelessness and unethical practices are unacceptable, and I expect you to investigate the validity of the inaccurate items in your report and replace them with accurate ones or remove them altogether. It is your duty to protect my rights and ensure that your reporting meets the highest standards of accuracy and integrity. I will not hesitate to take further action if you fail to address this matter properly. 

LVNV FUNDING - XXXX LVNV FUNDING - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: WA

Complaint narrative:
I am submitting this follow-up regarding a prior dispute about multiple unauthorized inquiries that remain on my credit report. These inquiries were made without my authorization and without a permissible purpose in violation of FCRA 604 ( 15 U.S.C. 1681b ), and they appear to result from a mixed file or mistaken identity.

The unauthorized inquiries are reported as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: WA

Complaint narrative:
I am submitting this follow-up regarding a prior dispute about multiple unauthorized inquiries that remain on my credit report. These inquiries were made without my authorization and without a permissible purpose in violation of FCRA 604 ( 15 U.S.C. 1681b ), and they appear to result from a mixed file or mistaken identity.

The unauthorized inquiries are reported as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
my cash app account was hacked on XXXX  XX/XX/XXXX and XXXX dollars was stolen out of my account and sent to XXXX XXXX  card i reached out to them the declined my dispute and i told them they can see who logged in my account and track transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Formal Dispute of Unauthorized/Inaccurate Hard Inquiries Dear TransUnion Dispute Department , I am writing to formally dispute several hard inquiries that appear on my TransUnion credit file. These inquiries are inaccurate, unauthorized The following inquiries must be deleted immediate XXXX XXXX XXXX multiple entries dated XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX two  entries dated XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX These inquiries were already deleted by XXXX  following their reinvestigation ( Case results dated XX/XX/XXXX ). This demonstrates that the inquiries are unverifiable and should not remain on my TransUnion report. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I request that TransUnion : XXXX. Delete the above inquiries from my credit file. 
XXXX. Provide me with an updated credit report reflecting these deletions. 
XXXX. Supply the method of verification used if you choose not to delete any of the disputed inquiries. 

Please note that I am maintaining a full log of all disputes, deadlines, and responses for escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation