vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried register online and request a copy of credit report and I was not able to. 
I submitted a ticket and the letter I received said yo try to do it again online, I did it again and again same issues as previously. 
Customer service was not able to assist as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card was fraudulently charged {$6700.00} via XXXX to a company called XXXX XXXX in XXXXXXXX XXXX on XX/XX/year> for supposedly taxi or Limo services. 
Apparently the appointment was booked via the XXXX app, and then charged using my credit card & email address. It was disputed with Bank of America and filed as a fraudulent charge after I noticed this charge on my statement. They denied this because an invoice from The company was provided to them, but this charge was a fraudulent charge. I appealed this and was still denied bc the company provided transaction receipts. 
It is extremely easy for any person to create a free XXXX account, call it a business, take a persons card info & charge for a service. Its almost too easy, and its been a nightmare to dispute that I did not authorize this charge whatsoever. All they needed was my email address & my card info. Bank of America has been no help whatsoever.

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 monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMorgan Chase has repeatedly over reported my remaining mortgage balance to the major credit bureaus. I have contacted them multiple times and they give the correct amount ( that matches my statements ) over the phone, and they did correctly report the number earlier this year, but most recent balance report shows an increase of {$890.00} despite XXXX missed or partial payments. I have never been provided a reason for the variance in reporting. 
I have filed a disputed this account balance with all three major bureaus separately. 

Reported balance should have been {$150000.00} Instead they have reported {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: IL

Complaint narrative:
Hello I am reaching out because XXXX XXXX has violated my right to consumer privacy by contacting my personal phone to obtain a payment for a debt that is not mine., XXXX XXXX is in violation of code XXXX XXXX XXXX XXXX and in violation of The fair credit reporting act by failing to notify me of the negative marks they have attached to my credit profile. I have no business dealings or contracts with the above company and I request that all negative items including collections be removed from my credit profile. ( All credit bureaus )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, MA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: TX

Complaint narrative:
I voluntarily surrender the vehicle I gave the location of the vehicle but the car was never picked up by Carmax. I have contacted them several times in an attempt to find out why and was given the run around with no answers. I discovered the debt is now reporting monthly as a new loan in default. I again contacted Carmax to ask about the vehicle reporting monthly after 3 years of not reporting when its a charge off and I was told there was a system issue. I would like the reporting monthly to stop since Carmax refused to accept their own vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX Date : XX/XX/year> TO : DEPT. OF EDU / AIDVANTAGE XXXX, VA XXXX Subject : Dispute of 90-Day Late Payment Due to Financial Hardship and Request for Deferment Consideration I am writing to formally dispute the 90-day late payment reported on my student loan account ( Account Number : XXXX and request its removal from my credit report. This negative mark was reported during a period of financial hardship due to an involuntary job loss, which severely impacted my ability to maintain timely payments. 

I respectfully request that you review my situation under the Fair Credit Reporting Act and consider removing the late payment from my credit report. I did not have the means to make my payments at the time, and I was unaware of the full range of deferment or forbearance options that may have been available to me. I am now requesting that my account be updated to reflect a deferment for that period due to financial hardship. 


Please consider this a goodwill adjustment request in light of my difficult circumstances. I have since taken steps to stabilize my financial situation and have resumed payments ( or am in the process of applying for an income-driven repayment plan or deferment ). This negative entry does not reflect my long-term payment behavior or commitment to repaying my loans. 

Thank you for your understanding and prompt attention to this matter. I would appreciate written confirmation once the adjustment has been made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Midland Credit Management Inc for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful debt collection activity. 

I received communication from the above-named collection agency regarding an alleged debt with account number XXXXXXXX XXXX XXXX XXXX XXXX ( per credit report ). I do not recognize this debt and immediately sent a written dispute and request for VALIDATION per my rights under 15 U.S.C. 1692g.

Despite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in violation of FCRA guidelines. These actions are illegal and unethical. I am re
questing that your office investigate this matter and take the appropriate regulatory or enforcement actions against Midland Credit Management Inc.

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1600.00} XXXX - XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4200.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: TX

Complaint narrative:
I was charged twice on a {$3700.00} down payment o n a car. One went through while I was in their office, and one went through at XXXX XXXX when my card was locked! Which all of this got my car repossessed due to the car lot stating that my funds were sent bank to my bank and I never received any money back. I am put in the negative and no refund for either transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section XXXX XXXX XXXX, the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I purchased an item, the company just put their own label on the box and it didn't work at all. 
I tried to contact the merchant but they didn't respond. I filed a dispute for the charges with my bank and after their investigation, it was resolved in my favor. 
Affirm, the third party lender who I used during this purchase had kept messaging that I was late on payments. I responded back with the resolution that my bank had come to and attached a copy of the letter. Affirm told me they need the merchant to cancel the loan. 
I contacted the merchant to let them know but they are unresponsive again. 
Affirm now has done a chargeoff on my loan and will be reporting to the crediting agencies and sending the debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief