vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: VA

Complaint narrative:
Summary of Issue : I had a court-ordered repayment plan for a Discover debt, which was handled by XXXXXXXX XXXX XXXX XXXX XXXX. For two full years, I made consistent automatic payments totaling over {$5000.00}. There was one NSF alert on XX/XX/XXXX, but I resumed payments immediately in XXXX. No warning or outreach was made about escalation. 

In XX/XX/XXXX, I received a letter stating I owed {$640.00} due to interest and a missed payment. I immediately attempted to settle for a previously offered {$330.00}, which I was ready to pay. I called multiple times, was disconnected, and left voicemails without response. I later spoke with an agent named XXXX, who acknowledged my frustrations and stated she would escalate my case for review. 

Despite my efforts and communication, the company ignored my settlement request, failed to confirm anything in writing, and proceeded to take the full amount of $ XXXX garnishment amountwithout offering any transparency or fair resolution. 

This company used stonewalling tactics, ignored my two years of good faith payments, and pushed through a garnishment without honoring prior discussions. I believe their actions are unfair, predatory, and deceptive under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
Child support account # XXXX this account has not been reinvestigated by Experian properly this account keeps reporting inaccurate l 've disputed this account should have never been on my credit report.

Experian this is a violation of the Fair credit reporting act please remove immediately as this account has caused great damage I will now seek Monetary Compensation of {$1000.00} for each violation. 
XXXX XXXX XXXX XXXX XXXX ) portal.consumerfinance.gov

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had fraud on my bank account. All the funds were returned to me. A month later, I received a letter in the mail stating that they are reversing a {$100.00} refund. This is supposedly through an a I company that I had no business with. The company is called XXXX. Wells fargo had already approved two charges of XXXX XXXX XXXX XXXX XXXXXXXX dollars each from the same company. I have had no dealings with this company.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX - XXXX - Equifax is reporting this account with lates whereas Experian and XXXX are reporting it as a positive account, with no lates. Clearly this is a billing error. Please update this account to reflect Paid as Agrees, Never Late which is the same as Experian and XXXX. 

XXXX XXXX  - XXXX - This is an open account and has inaccuracies in the way it is reporting. The 'last activity ' dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The 'date of last payment ' are reporting as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which does not make sense on an open account. Equifax is reporting it late, Experian is not reporting it and XXXX shows it as a positive accounts with XXXX lates. How can that be? This is clear proof in billing errors and inaccuracies. Please update to Paid as Agrees, Never Late. 

XXXX XXXX XXXX XXXXXXXX - XXXX is reporting this as a positive account with no lates but Equifax and Experian are reporting it with lates. Not to mention, the 'last activity ' dates are reporting as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on an open account. The 'last reported " dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Due to an obvious billing error, please update this account to reflect the same as XXXX, Paid as Agrees, Never Late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, I sent JPMorgan Chase Bank , N.A . a Texas BCC 521.103 court order with its incorporated FTC Identity Theft Report, Police Report, and Proof of Identity via certified mail/return receipt to JP MORGAN BANK , NATIONAL ASSOCIATION ( N.A. ), Attn : XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Disputes, Mail Code XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX with certified mail XXXX XXXXXXXX return receipt XXXX XXXXXXXX. XXXX was confirmed on XX/XX/2025 at XXXXXXXX XXXX. The court order identifies me as an identity theft victim and lists fraudulent accounts : a credit card account XXXX XXXX XXXXXXXX, checking account XXXX XXXX XXXXXXXX, and checking accounts XXXX XXXX XXXXXXXX, opened with a user ID I did not create. The other identified fraudulently open accounts are savings account XXXX, checking account : XXXX, and credit card XXXX XXXXXXXX. When I called Chase on XX/XX/2025 at XXXX. at their number XXXX to request the deletion of the fraudulent online access account and user ID, they claimed their records show I own the credit card and I owe the debt on it which prevents me from opening my own online access account. And they never received my documents in the maildespite my proof of delivery and return receipt signed by JP Morgan Chase. Chase has not corrected their internal records, deleted the fraudulent online access account and user id, stopped billing me for the credit card debt, or marked the checking and savings accounts as fraudulent, violating Texas BCC 521.103 and FCRA 1681s-2 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-26 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: DC

Complaint narrative:
Dear CFPB and Experian Dispute Department, I am following up on my previously filed complaint regarding inaccurate and unverified accounts reported by Experian. To date, I have not received any validation of these accounts from the creditor or Experian, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 
Despite my formal request for proper verification, Experian has failed to provide : A signed contract or agreement proving my obligation to the debt.

A detailed breakdown of how the verification process was conducted.

Any original creditor documentation supporting the validity of the accounts.

Since Experian has not fulfilled its legal obligation to validate these a
ccounts, they must be immediately deleted from my credit report per FCRA 611 ( a ) ( 5 ). Failure to comply with federal law may result in further legal action for willful noncompliance under FCRA 616 and 617.

I request an immediate response and resolution to this matter within 15 days. If Experian continues to report these unverifiable accounts, I will escalate this complaint further.

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 2025-03-26 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: DC

Complaint narrative:
Dear CFPB and Experian Dispute Department, I am following up on my previously filed complaint regarding inaccurate and unverified accounts reported by Experian. To date, I have not received any validation of these accounts from the creditor or Experian, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 
Despite my formal request for proper verification, Experian has failed to provide : A signed contract or agreement proving my obligation to the debt.

A detailed breakdown of how the verification process was conducted.

Any original creditor documentation supporting the validity of the accounts.

Since Experian has not fulfilled its legal obligation to validate these a
ccounts, they must be immediately deleted from my credit report per FCRA 611 ( a ) ( 5 ). Failure to comply with federal law may result in further legal action for willful noncompliance under FCRA 616 and 617.

I request an immediate response and resolution to this matter within 15 days. If Experian continues to report these unverifiable accounts, I will escalate this complaint further.

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 2025-03-26 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: FL

Complaint narrative:
In reviewing my credit report i found the following accounts showing as " XXXX through Bankruptcy XXXX XXXX '' which is incorrect. I am requesting these account be validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing late XXXX which is incorrect.

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 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX, Tower loan said my loan was turned over to the lawyers in XXXX, La. The lawyers XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They are trying to charge me XXXX to get my balance. That and I had to pay court cost in XXXX, and the lawyers they had representing them didn't show up for court. Now I'm paying my loan and lawyer fees which I think I shouldn't because they never showed up for court proceeding and all the judge said was for Me to hang on to the subpoena.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-26 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-26 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I was approved for a short sale in XXXX XXXX and secured a buyer in XXXX XXXX. I have met every requirement, yet no progress has been made. I am repeatedly told to call back in XXXX days while facing financial hardship. This delay risks breaching a legally binding contract, exposing me and the servicer to potential legal liabilities. I urgently request your intervention to prevent further harm. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for 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 explanation
Consumer complaint received 2025-03-26 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 was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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