vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-12 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: FL

Complaint narrative:
I am disputing a XXXX account ( account # XXXX ) that was closed in XX/XX/XXXX. However, it continues to report late payments in XXXX and XX/XX/XXXX. It is illegal to report new delinquencies on a closed account. This is a false and misleading entry and a clear violation of the Fair Credit Reporting Act. I request its immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Company threatened to take me to court if i did not pay the debt. I was forced into payment plan

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 2025-05-12 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: NC

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had an offer from Chase for my credit card for 15 % cashback on a XXXX purchase. The offer expired on XX/XX/year>. On XX/XX/year>, within the time frame prescribed by the offer, I made a {$160.00} purchase with XXXX  using my credit card. However, Chase is refusing to honor my {$24.00} credit, despite me making a call to customer service and requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: NY

Complaint narrative:
I just received and email from Credit Control LLC for a collection from XXXX XXXX. I ordered an XXXX with XXXX XXXX service through the XXXX XXXX app on XX/XX/XXXX, received the phone on XX/XX/XXXX, and returned the item on XX/XX/XXXX. I spoke to a XXXX XXXX representative and she said when they XXXX is returned my account with them will be closed and that there is no balance. I didnt even have the phone for a whole week considering how long it took to be shipped back. I have received no notice from XXXX XXXX. I am in the United States XXXX and XXXX in XXXX of XXXX. This is a false collection as a representative of XXXX XXXX stated I owe no balance, not a single dollar. And now all of a sudden, a collection agency is trying to get money from me and report false information on my credit report. This information needs to be removed immediately. See the screenshots and order attached. The attachments show my order date, pickup date, and return date. As well as the first and only notice I have received about this false collection.

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 2025-05-12 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: NC

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XX/XX/year>, JPMorgan Chase Bank , N.A . reduced the credit limit on my Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX from {$16000.00} to {$10000.00}, without sufficient prior warning or written explanation. 

This limit reduction exactly matched my existing balance, artificially causing 100 % utilization on the account and damaging my business credit profile. 

I complied with a prior request from Chase to make an additional {$400.00} payment, which I made immediately, expecting the matter to be resolved. However, despite complying, my credit limit was still reduced. 

I spoke with multiple Chase representatives, including XXXX in Lending and two additional colleagues, to understand the justification. I was told the decision was based on : A few months of minimum payments ( despite all payments being on-time and contractually allowed ), A single {$300.00} cash advance used for legitimate business training expenses, Temporarily higher usage that aligned with normal seasonal business revenue cycles. 

I explained my willingness to immediately pay down the balance even further to address concerns. However, I was informed that Chase would only reconsider if I agreed to a hard credit inquiry, which would further harm my business credit standing. 

I was also informed that unless I became 90 days delinquent, the account would not be reported negatively to my personal credit bureau but the damage to my business credit profile and operational flexibility was already done by the arbitrary limit cut. 

I have maintained responsible use of this card, with no history of delinquency, defaults, or misuse. There was no fraud, no missed payments, no major deviation from prior account behavior. 

Chases sudden actions without sufficient notice, despite a strong account history, and with unreasonable reconsideration demands have materially harmed my business operations and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I originally submitted a request regarding this lender in XXXX, but did not receive my email to respond to the loan servicer. The original complaint # XXXX. 

This is the response from the loan servicer : We are writing in response to the complaint you filed with the Consumer Financial Protection Bureau. We service XXXX of your private student loans on behalf of XXXX XXXX. As your loan servicer, we provide billing, payment processing, and customer support. We take your concerns seriously and appreciate the opportunity to respond. 
As we understand it, we furnished late payment data to the consumer reporting agencies ( CRAs ), which we later adjusted to reflect the loans in a deferment. Youre concerned because while your XXXX XXXX was affected, another of your creditors took action on your account with them. XXXX asking us to investigate the reason why we furnished late payment data, confirm this data has been adjusted and will not reappear, provide a statement of correction to provide any creditors who XXXX have reviewed your account, and provide compensation or remedial action. 
On behalf of XXXX XXXX, we furnish your account data to the CRAs. Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish is accurate. In accordance with the terms of your promissory note, it is the responsibility of the borrower XXXX XXXX and yourself to notify us of XXXX enrollment status. Prior to furnishing late payment data to the CRAs, we sent you and XXXX regular billing statements, delinquency notices, and attempted to contact you and XXXX via phone and text. Since we did not receive payments nor notice XXXX was enrolled, the data we furnished in XX/XX/XXXX reflected your loans were XXXX days past due. 
On XX/XX/XXXX, XXXX contacted us by phone and advised of their enrollment status, which we confirmed with the XXXX XXXX XXXX. At this time, we applied a deferment, reviewed the account, and updated the data furnished for XX/XX/XXXX to reflect your loans were deferred. 
Please note, we are unable to determine how the CRAs will translate the information we furnish, nor are we able to advise on how your other creditors may interpret any changes to your credit history. 
Additionally, we are unable to offer any compensation for your time spent resolving this issue. As your loan servicer, we are unable to negotiate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-12 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XX/XX/XXXX XX/XX/XXXX - {$0.00} XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XX/XX/XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$260.00} XXXX XXXX XXXX - XX/XX/XXXXXX/XX/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 2025-05-12 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XX/XX/XXXX XX/XX/XXXX - {$0.00} XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XX/XX/XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$260.00} XXXX XXXX XXXX - XX/XX/XXXXXX/XX/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 non-monetary relief