vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
* * Consumer Financial Protection Bureau ( CFPB ) * * * * Complaint Update Request * * * * Complaint ID : * * XXXX * * Submitted : * * XX/XX/year> * * Company : * * J.P. Morgan Chase Bank * * Product : * * Checking Account * * Issue : * * Mishandling of U.S. Postal Service Money Order * * Amount : * * {$990.00} * * Tracking Number : * * [ Insert USPS Tracking Number Here ] -- - * * To Whom It May Concern, * * I am writing to request that my previously submitted complaint ( ID XXXX XXXX XXXX XXXX XXXX XXXX be * * reopened and escalated * * due to unresolved issues and potential violations of consumer protection laws by J.P. Morgan Chase Bank .

It has now been * * over 50 days * * since the original submission, and Chase has failed to provide any meaningful resolution. Their response was marked Closed despite no action taken to return or deposit the {$990.00} money order. I have been asked to speak only on recorded lines and subjected to irrelevant questioning unrelated to the complaint. No written explanation, timeline, or
accountability has been provided.

-- - * * Legal and Regulatory Concerns : * * - * * Unfair, deceptive, or abusive acts or practices ( UDAAP ) * * under the Dodd-Frank Act.

- * * Failure to provide timely resolution * * under CFPB complaint handling guidelines.

- * * Mishandling of financial instruments * * without transparency or due process.

-- - * * Requested Action : * * 1. Reopen and actively investigate this complaint.

2. Require Chase to provide a written response with a clear timeline and resolution.

3. Enforce compliance with consumer protection laws and hold Chase accountable.

4. Ensure the return or deposit of the {$990.00} without further delay.

I am experiencing financial hardship due to this unresolved issue and urgently need your support.

Thank you for your continued advocacy on behalf of consumers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 Section 602 states.

I have the right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B A creditor may not treat a payment on a credite card account under an open and consumer credit plan as late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MD

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am asking for Chase to give me my points for my account they sent me tax forms 1099 for some of the points that were earned. And closed my accounts due to me opening other accounts at other banks. I missed zero payments so they have no real valid reason to close my account and steal north of XXXX points I earned over 5 years. The prior case all they did was just give same generic reasoning to steal my points. This is north of {$5000.00} if I redeemed for cash

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am contesting certain entries reflecting accounts not established with my consent. Kindly conduct a meticulous review and remove them. Supporting records are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: UT

Complaint narrative:
I am submitting this complaint regarding a collection account reported by National Credit Systems ( Account # XXXX ) that appears inaccurately on my credit report.

This account is reporting inconsistent balances and conflicting delinquency dates, which violates the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires furnishers to report information with maximum possible accuracy. 

Additionally, National Credit Systems has failed to provide any documentation verifying ownership of the alleged debt despite multiple requests. Under FCRA 623 ( a ) ( 3 ), furnishers are required to correct and update information that is incomplete or inaccurate. Furthermore, under FCRA 611 ( a ), any information that can not be verified must be removed. 

I am requesting that the CFPB investigate this matter and ensure that National Credit Systems either fully validates the debt with proper documentation or removes the unverifiable account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX payment and XXXX payment was reported 30 days late XXXX payment was not 30 days late I paid payment before the XXXX day XXXX payment I set up a payment plan and they still reported it 30 days late when I made a payment arrangement before they reported 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 explanation
Consumer complaint received 2025-09-17 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: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: WI

Complaint narrative:
Since the date XXXX I got my paycheck and all of a sudden my account was deactivated two days later. I contacted wisely and was told if I didnt have proof of id with an address they could not activate my card but it was stated my card way only locked not deactivated. I was also sent what they claim to have been on my account about me updating or showing id. But nothing was emailed texted or anything to me. I have tried to call the wisely dept the XXXX and their calls either drop or I do not get thru. Its been over a week and I was also told I can not get my money at all not matter what once card is deactivated. Wisely randomly closed my account without even informing me about needing anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
There are accounts being reported under my name that I did not authorize, open, or manage. This is completely unacceptable, as it misrepresents my financial history and creates a false and misleading credit profile. I take my credit standing very seriously, and the presence of these unauthorized accounts has caused me significant concern and distress. I need an immediate explanation as to why these accounts are appearing and clarification on who is responsible for reporting them.

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 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is my third complaint regarding JPMorgan Chase Bank , N.A . and its foreclosure counsel, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please link this complaint with my prior CFPB complaints XXXX and XXXX. 

On XX/XX/2025, Chase sent me a letter acknowledging errors with a prior vacancy posting and expressly stating my property at XXXX XXXX XXXX XXXX XXXX was not in active foreclosure. Yet Chase internally activated foreclosure the very next day, XX/XX/2025, while my complete XX/XX/2025 mortgage assistance application was still pending. A foreclosure sale is now scheduled for XX/XX/2025. This is dual tracking in violation of federal law ( 12 C.F.R. 1024.41 ( g ) ).

In addition, Chase misapplied restricted insurance funds. Chase received multiple insurance checks totaling approximately {$44000.00}. On XX/XX/2025, {$33000.00} of those funds was internally applied to foreclosure-related expenses or arrears without my knowledge, consent, or accounting. When I asked Chases insurance department about these funds, the representative confirmed they were no longer held in restricted escrow but could not explain their application or provide a transaction history. This constitutes improper diversion of insurance proceeds and a servicing error. 

XXXX has compounded these violations by : * Sending foreclosure notices dated XX/XX/2025 by certified mail to my tenant-occupied property address rather than my mailing address. 
* Sending a XX/XX/2025 notice falsely marked certified mail but delivered without certification. 
* Refusing to provide a debt collector license or a full fee/accounting ledger despite my certified demands. 

These actions violate RESPA ( 12 U.S.C. 2605 ), Regulation X ( 12 C.F.R. 1024.35, 1024.36, 1024.41 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and Georgia foreclosure law ( O.C.G.A. 44-14-162.2 ). 

Separately, there is an ongoing insurance dispute with XXXX XXXX arising from the XX/XX/2025 storm claim. I am represented by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX, XXXX, XXXX ). Because XXXX XXXX has refused to fully fund necessary repairs, including tree removal, my property remains unrepaired. Chase knows from my hardship submission that this dispute explains the stalled repairs. 

When stabilized, the property generates {$7100.00} per month in rental income- which is demonstrated over a period of years. This underscores both my ability to maintain the loan once repairs are complete and the harm caused by Chases diversion of restricted insurance funds ( {$33000.00} applied on XX/XX/2025 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
I am writing to formally dispute the reporting of delinquent accounts associated with my name and Social Security XXXX [ XXXX ] on my credit report. I have conducted a thorough review of my credit history and noticed that certain accounts reported by your agency are inaccurate. Upon discovering these discrepancies, I took the appropriate steps to raise this issue with the credit bureaus. I submitted a dispute for these accounts, providing all necessary documentation to facilitate their investigation. Unfortunately, I was informed that the delinquent items were not removed from my credit report, despite evidence proving my position. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX I believe these inaccuracies to be a result of either clerical errors or identity, theft, In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I kindly ask that you review my records and the documents I have provided to rectify these errors.

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