vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
What Happened : Unauthorized Hard Inquiries on My Credit Report Several companies, including XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, accessed my credit report without my authorization, violating 15 U.S.C. 1681b. 
These unauthorized inquiries have negatively impacted my credit score. 
Failure to Remove Canceled Debt from My Credit Report XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX issued IRS Form 1099-C, indicating debt cancellation, yet they continue to report the accounts as outstanding on my credit report. 
This is a direct violation of 15 U.S.C. 1681s-2, which requires furnishers to accurately update consumer credit reports. 
Failure to Validate Debt After Dispute Requests Under 15 U.S.C. 1692g, I requested debt validation from these creditors, but they failed to provide documentation proving I owe the amounts they are reporting. 
Despite failing to validate the debt, they continue collection and negative reporting, which is unlawful. 
Ongoing Credit and Financial Damage These violations have caused damage to my credit score, financial hardship, and emotional distress. 
The continued misreporting prevents me from securing loans, credit approvals, and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
want to fix some late payments and clean up my credit.

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 2025-03-08 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: CA

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 XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a sum of {$35000.00} from my investment with XXXX XXXX XXXX XXXX, which appears on my Chase bank statement. After all transactions I made, both successful and unsuccessful, I had an available balance of {$30000.00} across my XXXX accounts : {$23000.00} in my Secure Banking account and {$7000.00} in my Total Checking account. On XX/XX/year>, Chase closed both accounts without prior notice. At the time of closure, Chase informed me they were investigating some transactions and would mail a check for my remaining balance once the investigation was complete. As of today, over a month later, I have not received any check for my {$30000.00} balance, nor have I received clear answers from Chase despite multiple attempts to resolve this. 

Additionally, I received a statement on the mail for my Total Checking account showing a XXXX check charge of {$7000.00} listed as a transaction. I did not authorize or initiate this transaction, and I have no record of such a check being issued or received. When I visited a Chase branch on XX/XX/year>, they claimed this {$7000.00} was the amount of a check sent to me last month. However, I have not received any check in the mail, and I have no record of such a transaction. This discrepancy is concerning, as it appears either the check was never sent, was sent to the wrong address, or the charge is incorrect. 

I have been trying to resolve this issue for over a month. I have called Chase customer service multiple times throughout XXXX and XX/XX/year> and visited a branch in person on XX/XX/year>. Each time, I am told only that they are investigating transactions on the account before they can release the funds, with no specific timeline or explanation provided. During my visit on XX/XX/year>, I was given no answers about how long this process will take or why it has been delayed. This lack of transparency and delay is causing me significant financial hardship, as I urgently need access to my {$30000.00} to cover my expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit. Under Regulation F they continue to state this account is open.. which is negatively affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have had so many issues with Sallie Mae over the years, but most recently I have been consistently making {$2000.00} monthly payments which are auto-debited from my bank account. However, Sallie Mae has marked my payments as late and is not crediting me for the payments made or reflecting such payments on my monthly statements. I raised this issue with Sallie Mae and they have refused to work with me and credit for me for the large monthly payments I have been making. They also made an additional {$1100.00} withdrawal from my co-signer 's account without my consent or any warning that such withdrawal would be made. My co-signer had to contact her bank to have the charge reversed and had no idea where such charge came from. Sallie Mae is a predatory lender, and I would ideally have my loans discharged given their gross mishandling of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

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 ( 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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Well this whole thing was a nightmare, I have XXXX pages of charges I have disputed. One has denied they wont tell me the status of the others and they loop you in circles for weeks. They never sent documents that I asked for In which they made their decision on. They wasted so much of my time purposely take forever on chat to not help, and today in the middle of the chat, the rep closed my account. He said it wasnt him, but as you can see in the screen shots it definitely was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: CA

Complaint narrative:
XXXX, a debt collection agency, is trying to get me to pay the {$160.00} I paid to XXXX through a different third party collector called XXXX. I called the debt collection agency advising I had already paid the {$160.00} and even sent the copy of my resolution with XXXX from my complaint with the CFPB. However XXXX has ignored this and my receipt from XXXX advising that I do not owe XXXX for the account 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 2025-03-08 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
Summary of What Happened & Desired Resolution I am filing a formal dispute and complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by XXXXl XXXX, XXXX XXXX, and credit bureaus. 

What Happened : XXXX XXXX XXXX XXXX XXXX Illegally Reporting Canceled Debt These creditors issued Form 1099-C, canceling my debt, meaning they legally discharged it.

Despite this, they continue reporting these accounts as active, damaging my credit score.

This is a direct violation of IRS regulations, FCRA laws, and consumer rights.

Unauthorized Hard Inquiries on My Credit Report My report shows several unauthorized hard inquiries from financial institutions I never applied with.

These were done without my consent, violating federal law.

False & Outdated Information in My Credit Report My report lists multiple name variations, incorrect personal details, and errors that could cause identity confusion.

Credit bureaus have failed to fix these inaccuracies, despite my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
Summary of What Happened & Desired Resolution I am filing a formal dispute and complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by XXXXl XXXX, XXXX XXXX, and credit bureaus. 

What Happened : XXXX XXXX XXXX XXXX XXXX Illegally Reporting Canceled Debt These creditors issued Form 1099-C, canceling my debt, meaning they legally discharged it.

Despite this, they continue reporting these accounts as active, damaging my credit score.

This is a direct violation of IRS regulations, FCRA laws, and consumer rights.

Unauthorized Hard Inquiries on My Credit Report My report shows several unauthorized hard inquiries from financial institutions I never applied with.

These were done without my consent, violating federal law.

False & Outdated Information in My Credit Report My report lists multiple name variations, incorrect personal details, and errors that could cause identity confusion.

Credit bureaus have failed to fix these inaccuracies, despite my disputes.

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 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
So I bought a car from a dealer that I had a bad credit history and they give me the car. The price of the car was. SALE PRICE OF VEHICLE {$8300.00} PROCESSING FEE {$690.00} TOTAL SELLING PRICE {$9000.00} DEPOSIT / PARTIAL PAYMENT {$1500.00} XXXX paid down payment. UNPAID BALANCE DUE {$7500.00}. Behind my back he asked the bank for the amount of {$12000.00} Finance ChargXXXX of {$6500.00} with interest rate of 22.99 % total amount of {$20000.00}. This bank and the dealer has caused me a great deal of anxiety stress, health problems. Almost homeless for the past 4 years. I have all the documentation need it to prove I have been a victim of this fraud and has cause me a great deal of distress and problems. I called the bank they agreed that there was a fraud and they have sent me a check for the amount of {$5300.00}. The bank never contacted me to confirm the loan amount with 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 2025-03-08 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: CA

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 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

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 ( 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
{$5800.00} is said to be owed to American XXXX International LLC by me. Ive never been in business with this company. I dont know why they are contacting XXXXme asking for a settlement. A requested a contract to be produced that I ever borrowed from them. None were produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MI

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX XXXX : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00}

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX bill that was charged to my credit as owed debt SECU personal loan that I did not take out

Company response to consumer: Closed with explanation