vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We leased this vehicle on XXXX XXXX, XXXX, and returned the lease in XXXX of XXXX. It has been on our credit report since, with a balance of {$900.00}. When I disputed the account, I was told it was too old to be on our credit report and asked to have it removed. However, it still showed as 'OPEN ' when, in fact, that account had been charged off. I recently disputed it again, and now it still says, ACCOUNT DETAILS Last payment : XX/XX/XXXX Payment status : No Info Worst payment status : No Info Account status : Open Type : Auto lease Responsibility Joint Remarks : Lease - full termination Times XX/XX/XXXX days late : XXXX Highest balance : {$10000.00} Monthly payment : {$4800.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term : XXXX  months ( XXXX  years ) The monthly payment is wrong, the highest balance is incorrect, the account status is incorrect, and the days late are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date open XXXX XXXX XXXX Balance : $ 0-3O DAYS LATE late dates 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 explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX Various Dates & various amounts, Every time I send money to someone through cash app I get DECLINED every single time, I always lock my card and when I'm getting ready to use it I unlock it. 

On Monday XX/XX/year> I stopped into a XXXX XXXX XXXX XXXX XXXX I was declined twice, After I found out it was for {$170.00} I could understand that decline, I did find out that XXXX  holds a deposit when you use your card at their pumps, I had gone in to pay for it and this time I did it for {$25.00} bucks and once again I was declined twice. 

Today XX/XX/year> I went to XXXX XXXX for lunch and I was declined again for {$25.00} They have absolutely no legitimate reason for them to be declining me every time I go to use my card. 

There are ONLY 2 Reasons for them to decline my card and those 2 reasons are as follows..

1. If I Personally forget to unlock my card before I go to use it.

2. If I DO NOT have enough funds in my account.

Those are the only 2 reasons to be declining me, I have also filed a Complaint with the XXXX  and yes they did Respond to me with a phone call and all they did was apologize and that's not nearly enough, they are not doing anything to rectify this issue I've been having for awhile and it's getting old and I am tired of fighting with them and having to call them every time this happens, This Seriously needs to Stop happening to me!! unless they have an actual legitimate reason and they Do Not!!! to decline me they shouldn't be doing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
Experian, XXXX, and XXXX by reporting these inaccurate accounts and inquiries you are knowingly and willyfully committing identity fraud. I XXXX XXXX being the only person with first hand knowledge did not validate or verify any transaction on my credit report. You Experian, XXXX, and XXXX have violated my rights to privacy as a federally protected consumer and caused much damage.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Request for Deletion of Charged-Off or Closed Account Due to 1099-C Issuance Dear Transunion, I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 

The account in question is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount : $ {$2500.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file. 
Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs. 

Please conduct an investigation into this matter and provide me with written confirmation of the deletion. If you continue to report this invalid debt, I will have no choice but to pursue all legal remedies available to me. 
I expect your response within 30 days of receiving this letter, as required by the FCRA. 

Sincerely, 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 2025-04-02 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: CA

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 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I did not ask to be authorized user on the account of XXXX card with capital one please remove me as authorized user. I called capital one and they removed me but its still showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I did not ask to be authorized user on the account of XXXX XXXX  with XXXX XXXXXXXX please remove me as authorized user. I called XXXX XXXX and they removed me but its still showing on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citiznbnk na XX/XX/XXXX reported a charge off and did not send a 1099c XXXX  XX/XX/XXXX reported a charge off and did not send a 1099c XXXX XX/XX/XXXX reported a charge off and did not send a 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am disputing an incorrect reporting from Comenity BankXXXX XXXX on my credit report. The account is already marked as a " charge-off, '' yet it continues to negatively impact my credit file. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. I request that this inaccurate information be corrected or removed immediately. 

Creditor Name : Comenity BankXXXX XXXX Disputed Item : Account status reporting Issue : The account is marked as " charged off, '' and further negative reporting beyond this status is inaccurate. Additionally, if this account was truly charged off, I have never received a 1099-C Cancellation of Debt form as required by the IRS, which further calls into question the accuracy of this reporting.

Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate data. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), unverifiable or inaccurate items must be removed. If Comenity Bank can not verify the accuracy of this reporting, I request its immediate deletion from my credit file. 

Please confirm receipt of this dispute and provide a resolution promptly. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In XX/XX/XXXXXXXX  my car is booted for parking tickets. I went to the Department of finance office in XXXX New York to clear up the matter, I paid for my tickets, then afterwards was told my registration was suspended and in order to get BOOT released, even though I just paid bill already, I was to contact a company called transworld systems inc make a financial arrangement with them about a debt at the time I had no knowledge of I spoke representative on the phone and was informed that I owe a debt of {$20000.00} and for {$5000.00} payment plan the debt could be settled with monthly payments, feeling like Im stuck and there is no other recourse I had to agree to whatever was proposed without being notified ahead of time and provided proof of debt that day after feeling helpless and agreeing to transworld demands I was able to get the boot lifted off the vehicle the same day,, then. About a week later on XX/XX/XXXXXXXX  I received a notice in the mail from Transworld systems inc stating that we are required by the regulation of the XXXX XXXX Department of financial services to notify you the following information you credit a or debt collector, believes that the legal time limit of ( statue of limitations ) for suing for debt has expired It is a violation of the fair debt collection practicing act 15 U.S.C section1692 et seq, to sue to collect on behalf of a debt for which the statue of limitation has expired believing that this letter from XXXX XXXX XXXX cleared up matterI thought this matter was resolved until fast-forward to XX/XX/XXXX my vehicles, registration suspension went into effect,, I spoke with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & again when they called me back week later, I let them know I had an XXXX XXXX for quite sometime and this shouldnt have ever happened I was advised that the first outstanding toll bill happened during Covid 2020 unable to find a resolution in this matter over the validity of this debt I am seeking further assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
Equifax is wrecking my credit report ( dated XXXX XXXX, 2025 ) with XXXX fraudulent open accounts and XXXX collectionsXXXX XXXX XXXX XXXXXXXX ( " Open, {$0.00} balance, XXXX late payments, '' updated XX/XX/year> ), XXXX XXXX XXXX XXXX ( " Open, {$19000.00} balance, XXXX late payments, {$340.00} past due, '' updated XX/XX/year> ), and XXXX collections totaling {$3000.00} ( XXXX XXXX LL {$370.00}, XXXX XXXX XXXX {$2700.00} ). These derogatory marks are annihilating my FICO Score XXXX ( XXXX ), with Equifax citing " collection and/or PR '' ( XXXX collections ), " lack of recent balances on accounts '' ( no recent non-mortgage balances ), " recent missed payment '' ( 2 months ago ), and " few accounts paid on time '' ( only XXXX account paid as agreed ), despite no public records or inquiries. Equifax has a documented history of noncompliancefined {$15.00} XXXX by the CFPB in XX/XX/year> for conducting sham investigations under FCRA ( 15 USC 1681i ), ignoring consumer evidence, allowing inaccuracies to reappear, and using flawed software that led to inaccurate credit scores. These accounts and collections are unverifiable : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX payment history ( Field XXXX, bytes XXXX ) to justify " XXXX late payments '' ; XXXX XXXX XXXX XXXX lacks payment history ( Field XXXX, bytes XXXX ) for " XXXX late payments '' and past due amount ( Field XXXX, bytes XXXX ) for " {$340.00} past due '' ; and the XXXX collections lack status codes ( Field XXXX, bytes XXXX ) and date of first delinquency ( Field XXXX, bytes XXXX ). Equifax is violating FCRA ( 15 USC 1681i ) and XXXX XXXX XXXX under 15 USC 1681n and hit the furnishers ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX under 1681s-2 ( b ) if this isnt fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 non-monetary relief
Consumer complaint received 2025-04-02 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Back in XXXX Wells Fargo handled my car loan under my maiden name XXXX XXXX XXXX. They contacted me saying my account was late however, I had paid on time every single month. I told them this was incorrect and they denied their error. So I paid it off in full and closed the account. They then added a delinquency to my credit report for months even after I closed my account out of spite. I disputed the claim. I threatened to contact the CFPB and then they then began sending me checks in XXXX for the late fees I had paid them and the incorrect interest they charged. It had been so long that even my name had changed to XXXX XXXX as I got married. Regardless of the checks they cut me, I disputed their incorrect claim in written form to XXXX, XXXX, and XXXX reporting Wells Fargo to get the error off my report. They responded to me saying Wells Fargo will not release information nor remove the ding on the credit report. 

Now years later in XXXX I still see this ding on my credit report and it's interfering with my home buying power. All other debts I've ever had have been paid on time. I am very organized and responsible in every way so that also is vouching against Well 's Fargo 's error. I keep my debt low, I don't even have a parking ticket on my record. I need Wells Fargo to remove the late payment from my credit report. I dont know where else to turn aside from legal action. Please help 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 2025-04-02 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, New York XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX Account Number : 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 2025-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: TX

Complaint narrative:
Per my first complaint - account number XXXX. This company may also be listed as XXXX XXXX XXXX. 

I joined XXXX XXXX XXXX to help me resolve my outstanding debt. I paid them through XXXX XXXX {$780.00} on the XXXX and XXXX of each month. I started payments in XX/XX/XXXX. I was told just send in all correspondence I get from my creditors. I did that. Followed up with them several times in XXXX and their response is everything is in process. In XXXX I spoken to someone at XXXX XXXX and they had gotten word XXXX XXXX XXXX was getting sued. Since then, I stopped paying my money. In XXXX then a letter to follow up in the mail in XXXX. The correspondence told me they have not done anything with my account until XX/XX/XXXX. In XXXX ( the week of XXXX ) {$15000.00} was frozen in my checking account leaving me without any money. I am having trouble getting any responses, most to say they do not know anything. 

They still have not responded.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX ( Account # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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