vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/year> This letter contains data taken directly from my credit report : Hard inquiry # 1 : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Hard inquiry # 2 : XXXX XXXXXXXX  Address : XXXX XXXX XXXX XXXX, DE XXXX I am writing to dispute XXXX hard inquiries that appear on my credit report. I did not authorize these companies to access my credit file, and I did not apply for credit with them. Because these inquiries were not initiated or approved by me, they are inaccurate and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

I request that your agency investigate these inquiries, provide the method of verification, and remove them from my credit report if the companies can not provide documented proof of my authorization. 

Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 611 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail/email an updated credit report reflecting these changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
b'I am disputing inaccurate and unverifiable information being reported by Equifax. I have made prior attempts to address these issues but have not received satisfactory results. I am requesting that Equifax perform a full reinvestigation as required by the Fair Credit Reporting Act (FCRA).\n\nCharged-Off Accounts to ReviewXXXX XXXX   Acct# XXXX XXXX $XXXX XXXX   Acct# XXXX XXXX   $XXXXXXXX Acct# XXXX XXXX  $XXXX   Acct# XXXX XXXX  $XXXX Acct# XXXX  XXXX  $XXXX  Acct# XXXX XXXX  $XXXX XXXX XXXX Acct# XXXX XXXX   $XXXXInquiries to Review\nI have numerous inquiries that I do not recall authorizing or that do not appear to have a permissible purpose under FCRA 604, including multiple entries from XXXX XXXX XXXXXXXX XXXX XXXX XXXX and others dated from XXXX I am requesting deletion of all unauthorized or unverifiable inquiries.\n\nLate Payments to ReviewXXXX XXXX (XXXX XXXX)\n\nXXXXXXXX (XXXX)XXXX (XXXX)XXXX XXXX (XXXXXXXX (XXXX)\XXXX XXXX)\n\nPlease verify each account and provide documented proof of accuracy. If Equifax cannot obtain verification from the data furnisher, I request that the information be removed in compliance with FCRA 611(a)(5).'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am writing to dispute certain accounts that have appeared on my credit report. Please review the following accounts, which I believe have errors or inaccuracies. I have included detailed information for each account listed under the respective credit bureau : Charged Off Accounts : DEPTEDXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-12-01 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: MD

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: WA

Complaint narrative:
In XXXX XXXX XXXX, I spoke with a sales rep from Consumer Legal Group ( CLG ) who assured me they we skilled in helping with debt resolution. I was drowning in debt and falling behind. I thought they could help me and several promises, that can be traced to a recoded phone call, were made. They even claimed they could get the debt reduced down to a minimal amount or in some cases, have it reduced to almost nothing. I trusted them and started paying my {$330.00} or so per month. They advised me to stop having any contact with the creditors and they would send out Cease & Desist letters which they did but that is ALL they did. After the letters were sent to the creditors, I didn't hear anything from them for months. I had to follow up and I was basically told my case was forgotten ( check the recorded lines ) and then they assigned me to a rep who was brand new and didn't know what he was doing. Nice guy but extremely inexperienced paralegal. I was told I would have attorney 's working on my case but that was not so. 

I felt I was being scammed and this was a total and complete fraud. 

I was then hit by lawsuits from the creditors which I could not believe as I entrusted CLG to represent me which they had not. 

On XX/XX/XXXX, I spoke with XXXX from CLG who admitted to me that in XX/XX/XXXX, XXXX was using an affiliate company to sell their services. I was also informed that they are no longer working with said company any longer. I told XXXX that I wanted a complete and total refund as I was scammed and promised services were not honored. She said she would escalate the matter but I have not heard anything from them. 

On XX/XX/XXXX, I called CLG again and spoke with XXXX. XXXX placed me on hold and supposedly spoke with management who stated they were still reviewing my case. I gave CLG until XX/XX/XXXX to provide a full and complete refund or I was going to file a class action lawsuit against them as there are SEVERAL upset past customers who have had the same experience. They should no longer be in business. They take advantage of people who are struggling, make false promises and just take your money. Disgusting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
Hi CFPB, this is my very first letter. The reason I am here now is because I wasn't fully aware of the debt, and didn't know I could dispute. I am seeking help in to remove my very first collection {$570.00} from National Credit Systems Inc ( collection agency ) and XXXX XXXX XXXX ( Original Creditor Name ) as long as well removed from my credit identity itself. The first date of delinquency is XXXX, XXXX XXXX, creditor classification is " Rental_Or_Leasing '', and when I called National Credit Systems ( Ext. XXXX ) located in XXXX, XXXX  she said they listed it as " damage ''. I asked for her name, and she mumbled it back to me, and wanted to keep it short she said " I've got a busy day ahead of me, do you want to pay this bill or do you want to call me back ''. I wanted to ask/request more but she seems to want to keep it short. I asked if there's any hope of getting rid of the amount or lowering it. She said if you don't pay the full amount than I won't remove it from my credit, if I do pay the full amount it would be a " courtesy ''. All on record. 
I moved to this place in mid XX/XX/year> and moved completely moved out by XX/XX/XXXX. I have no physical words written on a piece of paper, but when I moved there before filling out paperwork I told them I was going to have to move probably within a few months because my company 's office was relocating a new office. They said ok no problem. My mom and I knew the guy because he was the same guy that got my mom processed back when she purchased in the 2010s, which also the one I grew up in. I'm not sure the gentlemen still works there. Anyways, there were no damages to be done, they said I could move out no problem if I had to for work. I'm almost sure I paid all my bills. The debt agent claimed they even sent me my deposit back. I'm not sure that ever happened. Also, I requested maintenance to be done on the home, a sewer feces smell was taking over the home in the air vents coming from my bathroom, and never got assistance, another reason why It was creating urgency to move, mind you I only lived there roughly a few months. Ultimately, my solution is to remove this 3-year ongoing 4-year collection that I think is absolutely a drag and was aimed at me with poor value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
I received an email on XX/XX/year> from someone by the name of XXXX XXXX who would not disclose who they represented or why they were contacting me but they threatened to garnish my wages for a debt that I do not have. The email is titled " WARNING FOR GARNISHMENT. '' I asked repeatedly for proof of this debt, proof of a contract, proof I received credit, in addition to their phone number and the creditors phone number. This person would not provide any information except continue to threaten garnishment of my paychecks and taking me to the " courthouse. '' The email address used to contact me is : XXXX XXXX contacted Speedy Cash, and they do not have any accounts for me and also do not conduct business in the state I live in. This person has emailed me over XXXX times demanding money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
To Whom It May Concern : This letter is in response to your text messages received on or about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, regarding the above-referenced file. 

XXXX. Dispute & Demand for Validation : I dispute this alleged debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide me with validation of this debt. 

You must cease all collection activity until you have mailed me the following information : The name and address of the original creditor ( XXXX XXXX XXXX, if accurate ). 
A detailed itemization of the alleged debt, including the principal, interest, and any fees, explaining how the total amount was calculated. 
Proof that I have a contractual obligation to pay this debt to you ( e.g., a copy of the signed agreement or insurance policy ). 
Documentation verifying that your company is licensed to collect debts in my state. 
Proof that the statute of limitations for collecting this type of debt in my state has not expired. 

XXXX. Cease and Desist All Contact : Furthermore, pursuant to my rights under the FDCPA, 15 U.S.C. 1692c ( c ), I hereby demand that you CEASE AND DESIST all communication with me regarding this alleged debt, except for the limited purposes outlined in the FDCPA. 

This means you must immediately stop : All phone calls to any number. 
All text messages ( I have already replied " STOP '' to your number as instructed, yet the messages continued, which may be a violation ). 
All letters and emails. 

The only communications permitted are : a ) To confirm that you have received this cease and desist directive. 
b ) To notify me that you are terminating further collection efforts. 
c ) To notify me of specific remedies you intend to invoke, such as filing a lawsuit. 

XXXX. Preservation of Rights & Potential Violations : I am keeping detailed records of all communications, including the text messages referenced above. Your continued contact after my " STOP '' reply and after receipt of this letter may constitute violations of the FDCPA and the Telephone Consumer Protection Act ( TCPA ).

Please note that this dispute and cease communication demand applies to all employees, agents, and affiliates of Credit Collection Services.

Send all required validation documents and your confirmation of compliance with this cease and desist demand to my address listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I'm a customer of XXXX XXXX XXXX XXXX XXXX XXXX  office. Unfortunately, I've experienced life changing events lately and have been falling behind on my accounts. Nevertheless, I don't go over 30 days late. XXXX XXXX has been very helpful by refinancing and granting deferments and aware of my situation. I then began receiving calls from a XXXX XXXX XXXX XXXX XXXX and she stated she was new in the office. I tried to brief her of my situation and informed her that I had a post dated payment set that would keep me from going over 30 days late, but out of month. She periodically called, saying she couldn't let me go past the end of the month. Which I didn't understand, because I was focused on 30 days is when they could legally post late? Her phone calls became pressing and she led me to believe that she could refinance and start over in XXXX. I know she's trying to justify saying she gave me options, but every time I said I wanted to go with my current post payment arrangement. She subliminally mentions/about further collection activities? And got me to give her a credit inquiry. Then the refinancing she said she was doing for me fell through. Now I have an unnecessary inquiry added to my Equifax account and added henderence for my future XXXX XXXX loan I have planned for the upcoming year. Please remove the inquiry from my credit bureaus accounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year>, we received a credit of {$11000.00} from XXXX XXXX ( they cancelled our XXXX cruise due to dangerous weather that prevented XXXX XXXX from allowing this cruise to occur ). I on XX/XX/XXXX, called Citi and asked them to refund the then remaining credit balance of {$11000.00} ( after the few items I had charged were deducted from the {$11000.00} ). Citi said it would take XXXX days to have the funds ACH 'd to our XXXX XXXX XXXXXXXX checking account that is setup with Citi that pays our Citi credit card balance every month. 

I then called on XXXX, spoke to a woman ( XXXX ) who stated that because there were a few subsequent charges ( XXXX XXXX ; {$6.00} ; and {$34.00} ), they cancelled my refund request, and did not submit a new one for the remaining balance of {$11000.00}. Had I not called on XX/XX/XXXX, Citi would have completely dropped my request for a refund. I asked to speak to a XXXX ( after waiting on hold for XXXX minutes, I spoke with XXXX XXXX ( XXXX XXXX, who again said it would take XXXX business days. Clearly Citi is making it difficult for consumers to receive the funds they are entitled to. 

I called again today, XX/XX/XXXX. I had to wait on hold for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( BTW, Citi 's message kept stating wait times are over XXXX XXXX, until about the XXXX mark, when they switched to less than XXXX XXXX  ). Just more HORRENDOUS, EGREGIOUS Customer Contempt ( not service ). 

I finally spoke with a very nice gentlemen, XXXX, who noted my call, but again said all he could say was that the request is still pending, and my wait time is still XXXX to XXXX business days. He apologized as he recognized this service level is reprehensible. XXXX, however, was professional and did what he could, in spite of Citi 's systems that are engineered for maximum customer annoyance. 

Citi will undoubtedly respond with a form letter that does not address my specific issues. Citi should be held liable for failing to resubmit my credit refund request for a lower amount, simply because a few minor charges got posted. Their actions are inexcusable, and I state this as someone who has decades of experience, including 17 years of banking experience culminating in being the XXXX of XXXX for XXXX of the top XXXX banks. So I do know what superior, good and terrible customer service are - and Citi can be counted on for latter, unfortunately.

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