vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX for violating federal consumer protection laws regarding an invalid debt they are attempting to collect. 1. The Problem Original XXXX Lender XXXX XXXX Bank XXXX XXXX XXXX CA XXXX XXXX a {$1000.00} loan with the current debt buyer. - Predatory Practices : The debt buyer claims I owe {$3500.00} ( XXXX XXXX XXXX XXXX ) and falsely reported : - {$450.00} as owed- {$3300.00} as " charged off '' - No Validation Provided : They failed to send proof of debt ownership or an itemized breakdown per the FDCPA. A {$1000.00} loan requiring repayment of {$3500.00} ( XXXX XXXX XXXX XXXX ) likely exceeds your states usury laws ( e.g., most states cap interest at XXXX XXXX  ). 2. Legal Violations This debt buyer is breaking the law by : Forcing me to deposit {$3500.00} into savings ( as collateral? ) but not applying payments correctly could violate which was suppobly charged off written off XXXX in XXXX XXXX ( XXXX ) : Requires clear disclosure of loan terms. -Reporting a {$450.00} balance while also claiming {$3300.00} " written off '' is contradictory and XXXX violate the Fair Credit Reporting Act ( FCRA ) - Fair Debt Collection Practices Act ( FDCPA ) - 809 : Failed to validate the debt. - 807 ( 8 ) : Falsely reported amounts to credit bureaus. - Truth in Lending Act ( XXXX ) - Never disclosed terms or interest rates. - XXXX XXXX Laws - Charging illegal interest ( e.g., caps rates ). -No contract exists with this collector. -They cant report invalid debts. - XXXX XXXX of XXXX XXXX ( FDCPA XXXX ( b ) ) : They must show a chain of title from the original lender. -original loans interest + fees exceed my states limit ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX iXXXX XXXX ), the debt is void -original lender sold this debt illegally ( e.g., without a clause allowing it in your original contract ), the sale is invalid. Please see attached this is not a valid contract. XXXX XXXX Bank XXXX Violated the contract. 
Issue : XXXX XXXX Bank 's consent order with the FDIC over unsafe fair lending compliance allegations. XXXX XXXX : XXXX XXXX Bank entered a consent order with the FDIC to resolve claims the bank engaged in unsafe or unsound fair lending compliance practices.May XXXX, 2023 to even sell this debt and I did not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-04-16 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: TX

Complaint narrative:
Today, while checking my credit report like I usually do, I came across accounts that shouldnt be there. I have no clue how they appeared. I assumed it might be a glitch, so I refreshed the page, but nothing changed. The inaccurate entries are still present. Because of this, Im requesting that the documents Ive provided be carefully reviewed to ensure this issue is fully resolved.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX XXXX using my Chase account. The merchant later canceled the order due to the item being out of stock and issued a refund of {$140.00}, which appeared on XX/XX/year> as a pending credit in my account. 

Seeing that the refund was pending and reflected in my available balance, I used the same card to place another order. At that moment, I had around {$30.00} left in my account. 

However, the next day the pending refund disappeared and was never finalized. My account then went negative by {$140.00}. Chase informed me that pending transactions are not guaranteed, and the refund was never posted. 

I respectfully request that my balance be corrected. I made the second purchase based on what Chase displayed as available funds. I also have screenshots showing the transactions while they were visible, as they no longer appear in my Chase account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
XX/XX/year> I received an email from XXXX that I had an account in collections. The company collecting the debt is called Radius Global Solutions. I have not received any certified mail regarding this debt or proof of debt. I do not know where this debt originated. There is no agreement or proof that this is my debt. I require proof of debt by certified mail or request to have the account deleted from 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: MS

Complaint narrative:
Problem : On XX/XX/XXXX, XXXX XXXX I have been calling them XXXX  times a day because once again they negligently reported an {$87000.00} balance on my {$1500.00} secured credit card, violating the Fair Credit Reporting Act 's requirement for accurate reporting under Section XXXX. This error, along with a similar incident for XXXX in XX/XX/XXXX ( previous CFPB claim ID : XXXX, submitted XX/XX/XXXX ), has severely impacted my creditworthiness. My XXXX XXXX dropped from XXXX to XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX to XXXX causing me to lose a {$17000.00} personal loan, A XXXX for XXXX and increasing my credit utilization to 5,813 %, and preventing me from keeping scheduled appointments for XXXX XXXX that I was using my credit union to finance. XXXX XXXX also closed my account on XX/XX/XXXX, provided misleading information about the closure, and refused my payment through US Bank. The original balance of {$310.00} increased to {$550.00} and then {$870.00}. They are now reporting a {$1400.00} balance and claiming I missed a XXXX payment, despite proof of my XX/XX/XXXX payment. Additionally, they are attempting to keep my security deposit. This situation has caused me significant emotional distress, requiring therapy and loss of small business loan which required me to have a XXXX or higher with little no credit card debt and low debt to income ratios I cant recover from this loss without compensation I've taken too big of a loss...

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
I am writing to follow up on a dispute regarding the removal of a debt from my credit report. As per our discussion and your confirmation dated XX/XX/year> it was agreed that the debt in question would be removed from all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 

As of today, the debt still appears on my credit report, which is concerning given the assurance I received from your team. I kindly request that you honor the agreement by promptly initiating the removal process. If it has already been submitted, please provide confirmation or documentation of this action so I may follow up with the credit reporting agencies as needed. 

Please consider this an urgent matter, as the presence of this item is negatively affecting my credit profile. I would appreciate a written confirmation from your office within XXXX business days detailing the status of the removal. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My ex-husband stole my identity, took out loans and credit cards in my name, and married me only to obtain papers or citizenship in this country. I found out that the credit agencies thought I was a man, because every time I called, they would say 'we need to speak with XXXX XXXX XXXX , ' confusing my name. When I found out, I confronted him, but he disappeared, and soon after I started receiving calls from collection agencies demanding payment for those debts. At this moment, I am in the process of divorcing him, but without his presence, as I don't know where he is since he disappeared. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
I always mail a check the day after receiving payment. For the second time in recent months, XXXX XXXX has not processed the check until after the deadline for payment, even though I have mailed in 14 days in advance. I never have this problem with any other bills/accounts ; I believe the bank is deliberating " slow-walking '' the payment process in order to collect outrageously high fees -- in this case, {$40.00} on a {$120.00} balance. 

I would like CFPB to examine bank 's practices and determine what percentage of card accounts are regularly charged a late fee, and how much revenue this provides the bank.

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 2025-04-16 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: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint.

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 2025-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On XX/XX/XXXX, the vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) was repossessed by or on behalf of Honda Financial Services, during active litigation in Virginia General District Court. At that time, legal title had already been transferred to XXXX XXXX XXXX on XX/XX/XXXX, making the repossession unlawful and in violation of due process. 

Despite this, Honda consigned the vehicle to XXXX XXXX on XX/XX/XXXX, while the court case was still active. XXXX received the vehicle on XX/XX/XXXX and placed it on hold, where it remains in their possession as of XX/XX/XXXXXXXX XXXXconfirmed by XXXX tracking under XXXX XXXX XXXX. 

I contacted XXXX directly and received a response on XX/XX/XXXX, from XXXX XXXX, who claimed there was an active lien on the vehicle. However, no lien, court order, or proof of assignment has been provided by either party despite multiple requests. 

Additionally, Honda submitted a copy of the retail installment contract to the Consumer Financial Protection Bureau, which I obtained, and the document contains a fraudulent electronic signature and lacks biometric or authenticated confirmation of execution. It does not match the original, and no verified contract has ever been produced to support their claim of interest. 

I also received an IRS Form 1099-A dated XX/XX/XXXX, issued by Honda, indicating abandonment or discharge of the vehicle account. The associated tradeline has also been removed from my credit report. On XX/XX/XXXX, I sent certified legal notices to both Honda and XXXX requesting lawful proof of claim. As of today, no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, 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

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 2025-04-16 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:
DPT EDXXXX XXXX XXXX XXXX Reported that I missed payments for XXXX On XX/XX/year>

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 2025-04-16 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:
DPT EDXXXX XXXX XXXX XXXX Reported that I missed payments for XXXX On XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
DPT EDXXXX XXXX XXXX XXXX Reported that I missed payments for XXXX On XX/XX/year>

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 2025-04-16 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-16 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: AR

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 explanation
Consumer complaint received 2025-04-16 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: AR

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 non-monetary relief
Consumer complaint received 2025-04-16 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: NY

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 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 2025-04-16 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX 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 - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$4900.00} XXXX  XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$60.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$85.00} XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$780.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief