vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
An XXXX account was attempted to be open. 
JPMCB card was opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2025-05-19 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-19 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: IL

Complaint narrative:
Hi BATTLING XXXX XXXX AND THEY PROMISSED THE DEFERMENT im complaining about DPT EDXXXX I had a deferment and the company ruined my credit i lost XXXX points because the put i have not paid in XXXX days. This is untrue because I been ( battling XXXX XXXX XXXX XXXX XXXX XXXX going through XXXX and XXXX ). I was told i have a deferment for a year. they took back they promise and destroyed my credit and put false info on my credit report. please help

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 2025-05-19 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: IL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/XXXX. {$0.00} Current XXXX XXXX  XX/XX/XXXX {$7100.00} Late 60 Days / Closed XXXX XXXXXXXX XX/XX/XXXX {$1000.00} Collection/Charge OfXXXX XXXX XXXX XX/XX/XXXX {$4100.00} Collection/Charge Off XXXX XX/XX/XXXX {$0.00} Late 30 Days XXXX {$11000.00} Late 60 Days XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$460.00} Current XXXX  XXXX XX/XX/XXXX {$290.00} Current Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of XXXX Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXeporters XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/XXXX. {$0.00} Current XXXX XXXX  XX/XX/XXXX {$7100.00} Late 60 Days / Closed XXXX XXXXXXXX XX/XX/XXXX {$1000.00} Collection/Charge OfXXXX XXXX XXXX XX/XX/XXXX {$4100.00} Collection/Charge Off XXXX XX/XX/XXXX {$0.00} Late 30 Days XXXX {$11000.00} Late 60 Days XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$460.00} Current XXXX  XXXX XX/XX/XXXX {$290.00} Current Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of XXXX Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXeporters XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian

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 2025-05-19 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: PA

Complaint narrative:
XXXX XXXX XXXX  Last XXXX : XXXX Consumer Date of Birth : XX/XX/year> This CFPB complaint is filed under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you, TransUnion, block and remove specific information currently appearing on my consumer credit report that is the direct result of identity theft and fraud. You are required to take action within four ( 4 ) business days of receiving this complaint and supporting documentation.

The fraudulent, inaccurate, and unauthorized information includes : An auto loan account reported by XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a charged-off balance of {$14000.00}, which I did not apply for, authorize, or use. 

An auto financing account with XXXX XXXX under account number XXXX showing a current balance of {$3000.00}, reported as 180 days lateI never initiated or consented to this account.

A collection account from XXXX XXXX XXXX XXXX XXXX under account number XXXXXXXX XXXX with a balance of {$110.00}, which is not mine and appears without any valid authorization. 

These accounts have led to multiple fraudulent hard inquiries and have placed false derogatory entries on my credit file, all of which have caused significant harm to my credit standing and financial credibility. 

I have attached a full list of these fraudulent accounts, the hard inquiries in question, and a copy of my credit report which highlights the entries in dispute. I do not recognize any of the listed accounts, collections, or inquiriesthey were not opened, initiated, or authorized by me at any time. 

All items referenced above are the result of identity theft and fraud. As required by federal law, I am also including a copy of my official FTC Identity Theft Complaint # [ Insert Case Number ] as proof that I am a verified victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
XXXX XXXX XXXX  Last XXXX : XXXX Consumer Date of Birth : XX/XX/year> This CFPB complaint is filed under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you, TransUnion, block and remove specific information currently appearing on my consumer credit report that is the direct result of identity theft and fraud. You are required to take action within four ( 4 ) business days of receiving this complaint and supporting documentation.

The fraudulent, inaccurate, and unauthorized information includes : An auto loan account reported by XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a charged-off balance of {$14000.00}, which I did not apply for, authorize, or use. 

An auto financing account with XXXX XXXX under account number XXXX showing a current balance of {$3000.00}, reported as 180 days lateI never initiated or consented to this account.

A collection account from XXXX XXXX XXXX XXXX XXXX under account number XXXXXXXX XXXX with a balance of {$110.00}, which is not mine and appears without any valid authorization. 

These accounts have led to multiple fraudulent hard inquiries and have placed false derogatory entries on my credit file, all of which have caused significant harm to my credit standing and financial credibility. 

I have attached a full list of these fraudulent accounts, the hard inquiries in question, and a copy of my credit report which highlights the entries in dispute. I do not recognize any of the listed accounts, collections, or inquiriesthey were not opened, initiated, or authorized by me at any time. 

All items referenced above are the result of identity theft and fraud. As required by federal law, I am also including a copy of my official FTC Identity Theft Complaint # [ Insert Case Number ] as proof that I am a verified victim of identity theft.

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 2025-05-19 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.
State: WI

Complaint narrative:
Unable to log into my Experian XXXX XXXX. It does not recognize my cell phone number. I need to tt someone to correct but unable to do this after multiple attempts.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Due to Identidy Theft I asked my info be removed from the data basis, Since then the information on my drivers record is giving inaccurate information that increased my drivers insurance with XXXX showing reflected negative points when I checked my drivers record it has been cleared XXXX points I am being yet contacted again on a XXXX collections company when Orginal Debt has been discharged and written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-05-19 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX, I disputed a XXXX XXXX XXXX  account that had been inaccurately reported on my credit file. The account was successfully deleted by the credit bureaus after investigation. However, in XXXX, the same account was reinserted into my credit reports without any written notice within XXXX business days, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 

This reinsertion occurred without my knowledge or consent, and no verification or explanation was provided to justify the action. I also noticed unauthorized inquiries linked to this same account. I believe this violates my rights as a consumer under federal 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 2025-05-19 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
The number XXXX call numerous times a day. 
I sent a certified letter to communicate via mail but they still calling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: GA

Complaint narrative:
I have an account with XXXX XXXX, and something is going on with my account ; it's saying I owe a negative {$17.00} in my account when I don't. I was refunded {$25.00} from XXXX because of an issue I had with my order. I only got {$7.00} that settled in my account, but I was fully refunded by XXXX. I will provide proof with a receipt. Instead of getting the refund back I was owed, XXXX XXXX made my account negative. I need this to be corrected. The transaction name that is coming up is XXXX XXXX Reversal. I keep seeing this in my account with a few of my transactions. It's annoying, and it frustrates me. It seems like every time my account is refunded by a merchant, XXXX XXXX reverses it. I would like a supervisor to fix my issue. I need to have this amount of {$25.00} disputed. The reason I need to dispute it is because I did not get the item I ordered. XXXX canceled my order, and why, I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Complaint : I have been trying to make payments toward my Bank of America credit card account, but the bank is refusing to accept them unless I pay the full past-due amount. Due to financial hardship related to XXXX XXXX that began around XX/XX/year>, I am currently unable to pay the full balance but am willing and able to make smaller, consistent payments to catch up. 

The total balance I owe is {$7500.00}, and my current minimum payment due is {$980.00}. I have contacted Bank of America by phone XXXX  to explain my situation and request a payment arrangement or the ability to make partial payments. Unfortunately, each time I was referred to credit counseling services, which I do not need or wish to pursue. 

I am making a good-faith effort to resolve my debt and stay on track, but Bank of Americas refusal to work with me directly or accept any payment short of the full minimum due is making it harder to meet my obligations. I am also concerned about the potential negative impact this could have on my credit, despite my willingness to pay what I can.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief