vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was contacted about some old charge off debts from capital one by XXXX XXXX XXXX through letters and many phone calls. Some of which i disputed the debt and asked for proof that I owed this debt as well as original contracts. I was never given anything i asked for, but i was given copies of old transactions from my bank accounts to show i paid before. I contacted their office and tried to see about paying something to get this off my credit report, but they never budged on the amount offered. I was sued for the 2 bigger amounts ( {$1600.00} & {$1100.00} ), without ever getting served a subpoena for a court date, of which I was not present due to not knowing I had a date to. The judge ruled in their favor XX/XX/year>, due to my absence. I filed to get the ruling vacated in the time given, but my motion was denied. In the letter received after the ruling to inform me, XXXX threaten to garnish my wages, obtain a lien against my nonexempt property as permitted by law and more. I never had any contractual agreement with them or gave any consent for them to have my personal information. This is a violation of CFR 31 1.32 regulation. And this is hindering mt fixing of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Sarma Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Alleged Debt Request for Validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt of XXXX that you claim I owe. I do not acknowledge any obligation to your company, as I have never entered into a contract or agreement with you. Therefore, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute this debt and request that you provide validation of the debt as required by law. 

Specifically, I request the following information : A detailed statement of the alleged debt, including the original creditor 's name and the amount claimed. 

A copy of any written agreement bearing my signature that proves I have a legal obligation to pay this debt. 

Proof that your agency has the legal authority to collect this debt. 

Any applicable documentation showing that the statute of limitations has not expired on this debt. 

Until proper validation is provided, I request that all collection activities cease, including reporting this alleged debt to any credit reporting agencies, as failure to provide adequate validation is a violation of federal law. 

Furthermore, if you can not substantiate this claim, I demand that you remove any reference to this alleged debt from my credit report and cease all further contact regarding this matter. 

Please treat this letter as a formal dispute of the alleged debt, and send all requested documentation to me at the above address. Failure to comply with this request may result in legal action being taken against your company. 

Thank you for your prompt attention to this matter. I expect a response within XXXX days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Let me be clear I never applied for anything with your company, nor did I give you permission to run my credit. This inquiry is unauthorized and should not be on my report, period. Under the Fair Credit Reporting Act, youre not allowed to access someones credit without their direct consent, which you absolutely do not have in this case.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wilber and Associates, P.C.
State: NC

Complaint narrative:
On XX/XX/XXXX my car was involved in wreck and I was not the driver nor in the car my child father was driving when this happened, XXXX denied coverage for the claim when it was covered on the policy, this company just reached out to me today XX/XX/XXXX stating Wilbur and Associates are suing me for XXXX for damages to the other person car and I owe {$12000.00} dollars and if I dont pay they submitted documentation for my license to be suspended and I was never informed of this prior to today and asking me for {$6200.00} down to keep my license from being suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/year>, I made a {$13000.00} transaction using my Chase credit card with a merchant named XXXX, XXXX. After the transaction, XXXX was placed under XXXX receivership and was confirmed by federal court to be operating a XXXX XXXX I was later identified by the FBI as a victim of this fraud. I submitted a formal billing dispute to Chase with supporting documents, including XXXX filings, court orders, emails from the merchant, and confirmation of the receivership. Despite overwhelming evidence of fraud, Chase denied the dispute based solely on the age of the transaction. Their written response acknowledged I may have a valid complaint with the merchant but refused to take corrective action. I am requesting the CFPBs help in requiring Chase to remove this fraudulent charge and to stop any collection or interest activity tied to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MOHELA
State: NY

Complaint narrative:
Transunion made false reports and created a situation where my credit score went down XXXX points because of a data breach of my personal information. This data breach violated my personal and financial information. I formally request for this to be erased from my credit report and student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I have been a victim of identity theft as well as a victim of the Equifax Data Breach. There are inquiries on my credit report which I do not recognize nor do l have any knowledge of. I did not make these inquiries nor did I give any XXXX permission to use my personal information. The following accounts DO NOT belong to me : XXXX. * * XXXX - opened XX/XX/XXXX ( {$510.00} ). This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * XXXX XXXX XXXX - XXXX XX/XX/XXXX ( {$1600.00} ). This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX * * XXXX XXXX XXXX Opened XX/XX/XXXX ( {$5.00}, XXXX ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * XXXX XXXX XXXX Opened XX/XX/XXXX ( {$1400.00} ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * DEPTEDXXXX Opened XX/XX/XXXX ( {$2500.00} ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
I have been a victim of identity theft as well as a victim of the Equifax Data Breach. There are inquiries on my credit report which I do not recognize nor do l have any knowledge of. I did not make these inquiries nor did I give any XXXX permission to use my personal information. The following accounts DO NOT belong to me : XXXX. * * XXXX - opened XX/XX/XXXX ( {$510.00} ). This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * XXXX XXXX XXXX - XXXX XX/XX/XXXX ( {$1600.00} ). This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX * * XXXX XXXX XXXX Opened XX/XX/XXXX ( {$5.00}, XXXX ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * XXXX XXXX XXXX Opened XX/XX/XXXX ( {$1400.00} ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * DEPTEDXXXX Opened XX/XX/XXXX ( {$2500.00} ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
As of today, Chase bank has not provided me the permanent credit of {$550.00} posted to my checking account. Chase has refused to address my initial request for all relevant documentation that was used during the research process of my claim XXXX XXXX. Also, Chase has not provided me with an update or explanation of the disciplinary action that was taken or will be taken against all of the employees I have filed complaints on. These total to about 4 or more employees. The incorrect information relayed to me during the claims process led me to believe my account would be permanently credited for the amount of {$550.00}. This unethical and incompetence needs to be corrected by Chase. The only fair and reasonable resolution at this point in time would be to credit my account for {$550.00}. Since this issue began, I have spent countless hours of my time contacting Chase over the phone and by email as well as contacting the OCC and CFPB to reach resolution. My time is invaluable. 
I strongly recommend you reverse your decision and rightfully credit my checking account. I look forward to your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-17 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: TX

Complaint narrative:
I am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following accounts and balances : XXXX XXXX Reported balance : {$600.00} XXXX XXXX XXXX Reported balance : {$170.00} XXXX XXXX XXXX Reported balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-17 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: GA

Complaint narrative:
TRANSUNION What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : 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 a personal credit card account opened at Creditor XXXX XXXX on XX/XX/XXXX under the account number XXXX ( {$1900.00} ) Creditor : XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX ( {$16000.00} ) Creditor : XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX loan account opened at Creditor : XXXX XXXX XXXX on XXXX XXXX under the account number XXXX ( {$27000.00} ) Inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXX Collections Collector XXXX XXXX XXXX on XXXX XXXX under the accounts number XXXX ( {$5100.00} ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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