vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I used my Chase debit card via XXXX XXXX to pay a third party who falsely claimed to represent a legitimate grant or fundraising program to help me pay off personal debt. They required an application fee to begin assistance. After I sent the money, no services were provided. Instead, they repeatedly demanded more payments, clearly indicating this was a scam. 
I realized I had been defrauded and immediately contacted Chase that same day ( XX/XX/XXXX ) to report the transaction. Chase initially issued me a provisional credit but then reversed the credit on XX/XX/year>, stating the charge was valid because I had authorized it. However, I never received the promised service, this was not a simple case of dissatisfaction but fraud through misrepresentation. 
I have evidence showing : The party misrepresented their identity No services were provided Continued contact only requested more money Chase has also removed the ability for me to securely submit my appeal and supporting evidence via any kind of email or secure messaging center. When I have tried calling they say theres nothing I can do and no one they can transfer me to to help. This is leaving me with no proper way to challenge the decision. I request that the funds be returned and the claim re-evaluated under Regulation E, as this was a fraudulent transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2025 took a check made out to my husband to the Bank of America ATM.The amount was {$18000.00}. I may be off by a XXXX  XXXX  because there was no stub attached. We both endorsed the back of check.

After 2 or 3 minutes an error message came up. It said it can not process my deposit or return my check. A receipt came out with a number to call. I immediately called and started a claim, All I am being told is they are researching it,

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 2025-07-29 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: IN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/25 the company XXXX dispersed funds to the XXXX XXXX XXXXXXXX for a student who fraudulently got a hold of my information. I looked at my credit report and seen that someone took 2 student loans acting like they were me. I immediately called XXXX to tell them it was fraud. They denied my claim. I have all proof, including a police report that I was a victim of fraud. I also contacted the XXXX XXXX XXXXXXXX and made the same claim. I still have this XXXX student loan on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX - XXXX XXXX  - XXXX/XXXX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-07-29 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2025-07-29 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-07-29 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
Subject : Credit Report Dispute XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ) I am writing to formally dispute inaccurate and inconsistent information that appears on my credit report concerning the account listed as XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I noticed several discrepancies in the reporting across the XXXX major credit bureaus that require immediate investigation and correction. 

The discrepancies are as follows : Date Opened : XXXX reports : XX/XX/year> Experian & XXXX  report : XX/XX/year> High Credit : XXXX  XXXX XXXX  report : {$2800.00} Experian reports : {$0.00} Credit Limit : TransUnion XXXX Experian report : {$2700.00} Equifax reports : {$0.00} Additionally, there is a collection/charge-off status, but the High Credit and Credit Limit amounts are not XXXX, particularly with Experian and XXXX  reporting XXXX. 

I am requesting that your office investigate this account and update or remove any incorrect or inconsistent data. Please verify the following with the original creditor ( XXXX ) and ensure all information is accurate and consistent across all three bureaus. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. I request that you complete your reinvestigation within XXXX XXXX and notify me of the results of your findings. 

Please confirm receipt of this letter and send me an updated copy of my credit report once the investigation is complete. Also, if there is a generic response of " Verified as XXXX '' I will be seeking legal action under the FCRA Laws. Thank you.

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 2025-07-29 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: NC

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-29 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: NC

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I was on a lease with someone through XX/XX/XXXX. I moved out in XX/XX/XXXX when the lease was up, and the other person, XXXX, stayed and had a month-to-month lease. In XXXXXXXX XXXX XXXX, I went into the lease office to remove myself from the lease and let them know I will be moving, and I need some paperwork stating I was removed. I was told they don't have anything to give me, but I will be removed. XXXX stayed and signed a month-to-month lease that I was not on. A year 1/2 goes by, and I get a letter saying I owe {$16000.00} on a lease that I didn't sign. I called and asked for the paperwork they had on file for the lease that shows I'm on it. They couldn't provide any paperwork with my name on it or my signature. I was told they have a new system and don't have all the paperwork anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

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 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-29 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: LA

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 explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion have failed to properly investigate the disputes I submitted concerning inaccurate negative entries on my credit report. These errors have severely damaged my credit score, making it difficult to obtain credit and causing significant stress and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state 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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
I cancelled my services with XXXX XXXX XXXXXXXX XXXX XXXX XXXX called to get an amount of the final bill in XXXX. I was told I old XXXX. By XXXX my account had gone to collections. I called the company the debt was sold to and asked to send a debt validation letter to the address on file. I never got one. I have been disputing this because the amount is now up to almost XXXX. Even if they changed late fees it should not be over XXXX dollars in fees. I ended my amount with owing for any phones only the last bill which I will be willing to pay but all these excessives fees is a violation of my rights as a consumer. I have disputed it with XXXX XXXX XXXX  several times and it keeps saying that the debt is violated. It may be violated to the them but not to me. According to the fair credit reporting act 15 US Code 1692g states, " upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I was not provided this information and I am asking to have this removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TN

Complaint narrative:
Subject : Re-Investigation Complaint XXXX  Account XXXX XXXX dont agree with the account listed below which still appears in my credit report, even after your investigation. I would like this account immediately re-investigated. This inaccuracy is highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow-up. Please forward me an updated credit report after you have completed your re-investigation and corrections. The account in question is listed as : Creditor : XXXX XXXX Account Number : XXXX Status : Charged Off {$10000.00} past due Date Opened : XX/XX/year> Your cooperation and prompt attention are greatly appreciated. 

Sincerely, 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