vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
A fraudster got my credit card info on my Chase Freedom card ( ending XXXX ) AND Chase XXXX card ( ending XXXX ) and made XXXX charges at booking.com. Chase alerted me by e-mail of potential fraud on XX/XX/XXXX. The first XXXX amounts were {$2800.00} and {$1500.00}. XXXX XXXX was canceled. A new card was received in a week. Issue resolved. On XX/XX/XXXX a charge of {$1600.00} was made at booking.com at the XXXX card. Rather than click " no '' that I did not recognize the charge I called Chase. I did not want to be without any credit cards for a week. Clicking " no I don't recognize '' immediately cancels your card, and I was hoping to avoid that. They canceled my card anyway, and I had to wait several days for a new one for XXXX. I immediately signed up for e-mail notifications on both new incoming Chase cards so that this could never happen again, or at least I would immediately see fraud. In the meantime, a day or so later, I went into my booking.com account, which I have not used in years, just to see what was in there. Indeed I found two reservations coming up within days ( XXXX and XXXX ). I canceled both, thinking it would be easier than potentially having a fraudster check in and impersonate me and creating a real mess. Well, Chase now keeps writing to me saying " You got a benefit '' and is denying the fraud. They say the IP address matches my computer. Of course it does. I canceled the bookings. But, I never made any of them, and that is what their algorithms for low level clerks investigating this can not reconcile. In sum, Chase alerted me to all three fraud charges but is holding me to pay for the {$1600.00} one, despite repeated phone calls that even included to their Executive Offices. I have since canceled the new card XXXX ( which replaced XXXX ), and that balance shall remain there in perpetuity. I will not pay a charge I did not make. But now I must write letters here, the FTC, all XXXX credit agencies, my state Attorney General, and social media to plead my case. It is a burden I need not have to carry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
They keep spam calling me and I do not owe anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Credit Card Acquisitions Group
State: FL

Complaint narrative:
The company is illegally and falsely reporting inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Via Certified Mail and Electronic Submission To : FOSTER AND MONROE, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Cease and Desist Demand Regarding [ XXXX / Account Number ] To Whom It May Concern : I am formally notifying you to cease and desist from the following actions related to my account [ Account Number XXXX ] : XXXX. False credit reporting, inaccurate reporting Your conduct appears to be in violation of federal consumer protection laws, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Consumer Financial Protection Act, 12 U.S.C. 5531 & 5536 ( prohibiting unfair, deceptive, or abusive acts or practices ). 
These violations may also be reported to appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General.

Effective immediately, I demand that you : 1. Cease all direct contact with me except as permitted by law.

2. Correct any inaccurate information you have furnished to credit reporting agencies.

3. Provide written confirmation of your compliance with this request. 
Failure to comply will result in me pursuing all available remedies, including filing formal complaints with the CFPB, state regulators, and pursuing legal action in a court of law. 
This letter serves as your final notice. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 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: MD

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted an investigation and request for verification to Equifax and they have not responded. Then they dropped my credit score XXXX points after I filed a dispute and did not provide any explanation. They havent replied or sent me any information that I requested or acknowledged my request for a reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XX/XX/scrub>/2025 date of use reported via XXXX  website XX/XX/year>2025 Initiated identity.theft report and requested credit lock on XXXX  account Contacted XXXX XXXX Account customer service number and transferred to Fraud and dispute initiated Claim Number XXXX with Td retail card services which is bank and financial institution. Purchase reported made in unknown location by unknown individuals in unknown jewelry store and not by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion under FACTA Section 312 and FCRA 605B after reviewing my credit report and identifying multiple potential errors. These included : XXXX XXXX XXXX ( Acct : XXXX ) Closed account still shows high utilization, inconsistent balance reports, and possible inaccurate payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Closed Accounts ) Both reported with past-due amounts after closure, which may indicate incorrect status and balance reporting. 

XXXX XXXX via XXXX XXXX XXXX verification from the original creditor or proof of obligation provided ; the debt may be outdated or in violation of the FDCPA and FCRA. 

These accounts appear to either exceed reporting limits or are based on unverifiable data.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was waiting for a new debit card to come in the mail. During this time, I received an email on XX/XX/year>2025 stating that a XXXX transaction of {$31.00} was declined due to card activity needing to be verified. This attempted transaction wasn't made by me, so on XX/XX/year>2025, I went into my bank account and saw that aside from this attempted transaction, there were two previous unauthorized transactions from XXXX # XXXX for {$210.00} and {$230.00} made on XX/XX/year>. I submitted a claim through my bank on XX/XX/year>2025, but they found there was no fraud activity due to the transactions being made from an authorized digital wallet and denied the claim a month later and are reversing the provisional credit of {$440.00} on XXXX XXXX, 2025. I wasnt sure how an authorized digital wallet was a simple and valid reason for my claim being denied, which led me to looking for other resources including filing a police report ( case number XXXX ). I later learned that you can add a new debit card to a digital wallet without activation. All you need to add a card to a digital wallet, activated or not, is the 16-digit card number, expiration date, CVV security code, and my name, which is all information that is provided on the physical debit card. They wouldn't have been able to use my debit card otherwise without my activation. Aside from this, the unauthorized transactions and attempted transaction were made at an XXXX and XXXX-XXXX  that I've never been to before nor have I ever used this debit card at any XXXX  for that matter. And if these two transactions were made by me, why did they decline the third attempted transaction at XXXX XXXX Why didn't they let it go through if there wasn't any suspicion? All this absurdity led me to file a police report since Wells Fargo wasn't able to protect my finances, especially unauthorized electronic fund transfers that fall under Regulation E. I did ask for detailed information on XX/XX/scrub> 2025 of the investigation they conducted, but this information won't reach me in the mail until 30 days after requesting it, so me being able to retrieve that information is still up in the air.

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 2025-08-11 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: GA

Complaint narrative:
Account disputed multiple times with all three credit bureaus, Equifax, Experian and Transunion. I asked them to validate the debt for XXXX XXXX XXXXXXXX and for XXXX XXXX. I was a victim of databreach by XXXX, XXXX XXXX, XXXX, XXXX XXXX, Equifax, and Transunion. I did not authorize these accounts and they have failed to verify these accounts as required by 15 USC 1681 ( b ), 15 USC 1681 ( c ). I asked for proof of ownership of this debt. They act like they are investigating dispute but they alway come back and say the dispute has been verified without providing me with any copies of proof of signature, identification, or proof of ownership of this account. They can not verify if the accounts were opened by me or with my permission but are refusing to remove from my credit file.

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 2025-08-11 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: GA

Complaint narrative:
Account disputed multiple times with all three credit bureaus, Equifax, Experian and Transunion. I asked them to validate the debt for XXXX XXXX XXXXXXXX and for XXXX XXXX. I was a victim of databreach by XXXX, XXXX XXXX, XXXX, XXXX XXXX, Equifax, and Transunion. I did not authorize these accounts and they have failed to verify these accounts as required by 15 USC 1681 ( b ), 15 USC 1681 ( c ). I asked for proof of ownership of this debt. They act like they are investigating dispute but they alway come back and say the dispute has been verified without providing me with any copies of proof of signature, identification, or proof of ownership of this account. They can not verify if the accounts were opened by me or with my permission but are refusing to remove from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am receiving fraudulent collection calls from a company identifying itself as " XXXX XXXX XXXX ''. They are not providing any information other than that they are calling regarding a debt owed. To my knowledge this is fraudulent activity, as I do not have a known outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-08-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-08-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking your help to examine accounts being inaccurately listed as late on my credit report. Upon checking my report, I noticed several accounts have inappropriate late payment marks. Please have these removed and update the accounts to reflect the agreed positive status. Additionally, an account is wrongly marked as delinquentplease dispute this and ensure no delinquent status is shown.

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 2025-08-11 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief