vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV FUNDING LLC This is a debt buyer. The debt was purchased from XXXX XXXX. 
Amount : {$670.00} Date : XX/XX/year> This information is not accurate. I Disputed this account that is on my credit report and it came back within days that it's accurate. This was not investigated and no documents were sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

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 2025-03-30 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I sent Midland credit credit managemenXXXX a certified letter stating I want to see the purchase agreement with my signature or any contract bearing my signature with Midland credit management. The debt was Securitzed by the trust company XXXXXXXX XXXX and the amounts theyre trying to collect was not what they paid and they are reporting inaccurate information on my credit report which is fraught in identity theft without my permission I asked for the flow agreement and they continue to harass and try and collect on someone elses debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally dispute a hard inquiry on my credit report. After reviewing my credit report, I noticed that the following hard inquiry is listed : [ XXXX XXXX XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX, XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ XXXX  ] Date of Inquiry : XXXX I believe this inquiry was made in error or without my consent. I did not authorize this company to check my credit, and I am requesting the removal of this hard inquiry from my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. I respectfully request that you investigate this matter and remove the aforementioned inquiry. 
Please provide a written confirmation of the outcome of your investigation and any updates made to my credit report. 
Should you need any further information to process my dispute, feel free to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A fraudulent charge appeared on my credit card in the amount of {$2400.00}. Not realizing it, I paid for the transaction. Once I caught it I reported it to Capital One. Capital One closed my credit card. I had a balance of {$0.00} with Capital One so they sent me a check for {$2400.00}. Capital One then applied a charge of {$2400.00} on my closed account on XX/XX/year>. Capital One stated they never got any information to support the legitimacy of the charge from the merchant and they never contacted the merchant to investigate the charge. They then re-applied the charge of {$2400.00} to my closed account. In XXXX and XXXX of XXXX Capital One added late fees and interest charges of the charge of {$2400.00}. In XXXX XXXX XXXX Capital One reported that I missed the minimum interest payment due to them on the charge of {$2400.00}, which effectively dropped my credit score XXXX points. I am not responsible for fraudulent charges over {$50.00} on my credit card per Federal Law. Additionally Capital One guarantees XXXX liability for the amount of $ XXXX {$50.00}. Capital One debt collection attempts are illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Requested Resolution for Credit Reporting Complaint To Whom It May Concern, In seeking a fair resolution to my complaint regarding improper debt validation and inaccurate credit reporting, I respectfully request the following : 1. Full Debt Validation Creditors and third-party debt collectors must provide complete and verifiable documentation proving the legitimacy of the alleged debts, including original agreements, payment histories, and proof of ownership if the debt was transferred or sold. 
2. Removal of Unverified Accounts Any debts that can not be properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) should be removed from my credit report.

3. Correction of Any Reporting Errors If any incorrect or outdated information is identified during the investigation, I request that it be corrected or deleted to ensure accuracy in my credit profile.

4. Cease Collection Efforts on Unvalidated Debts If a debt can not be properly verified, I request that all collection activities related to that debt cease immediately, including any future attempts to collect, report, or resell the account.

5. Written Confirmation of Resolution Once the matter has been reviewed, I request written confirmation detailing the outcome, including any changes made to my credit report and the validation of any remaining debts. 

I believe these steps are a reasonable resolution to ensure compliance with federal laws and to protect my consumer rights. I appreciate the CFPBs assistance in addressing this matter fairly and 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Requested Resolution for Credit Reporting Complaint To Whom It May Concern, In seeking a fair resolution to my complaint regarding improper debt validation and inaccurate credit reporting, I respectfully request the following : 1. Full Debt Validation Creditors and third-party debt collectors must provide complete and verifiable documentation proving the legitimacy of the alleged debts, including original agreements, payment histories, and proof of ownership if the debt was transferred or sold. 
2. Removal of Unverified Accounts Any debts that can not be properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) should be removed from my credit report.

3. Correction of Any Reporting Errors If any incorrect or outdated information is identified during the investigation, I request that it be corrected or deleted to ensure accuracy in my credit profile.

4. Cease Collection Efforts on Unvalidated Debts If a debt can not be properly verified, I request that all collection activities related to that debt cease immediately, including any future attempts to collect, report, or resell the account.

5. Written Confirmation of Resolution Once the matter has been reviewed, I request written confirmation detailing the outcome, including any changes made to my credit report and the validation of any remaining debts. 

I believe these steps are a reasonable resolution to ensure compliance with federal laws and to protect my consumer rights. I appreciate the CFPBs assistance in addressing this matter fairly and 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 2025-03-30 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Debt Validation and Improper Collection Practices To Whom It May Concern, I am filing a formal complaint regarding multiple debt collection accounts appearing on my credit report. The creditors and third-party debt collectors have failed to provide proper validation of the alleged debts as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated requests, the creditors have not adequately verified the legitimacy of the debts, including proof that I am the rightful debtor, a detailed account history, or a valid chain of custody if the debt was sold to a third party. Additionally, third-party debt collectors have failed to validate how they obtained ownership of the debt or provide documentation proving their legal right to collect. 

These unresolved issues have negatively impacted my credit profile, and I believe the lack of proper validation constitutes unfair and deceptive collection practices. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the creditors and debt collectors comply with federal regulations. 

Please advise on the next steps to resolve this issue and ensure the accuracy and legitimacy of the reported debts. I appreciate your prompt attention to this matter.

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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Trying to ruin my credit and lower my credit by garnishing, my checks from Work and denying me access to loans for automobiles and homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: TN

Complaint narrative:
Account status and payment is reporting incorrectly with no resolution from company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
These are the accounts that I have marked as innaccurate : XX/XX/XXXX XXXX XXXX XXXX - {$4700.00} XX/XX/XXXX XXXX XXXX XXXX- {$770.00} XX/XX/XXXX XXXX XXXX XXXX - {$14000.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$16000.00} XX/XX/XXXX XXXX XXXX  - {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
These are the accounts that I have marked as innaccurate : XX/XX/XXXX XXXX XXXX XXXX - {$4700.00} XX/XX/XXXX XXXX XXXX XXXX- {$770.00} XX/XX/XXXX XXXX XXXX XXXX - {$14000.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$16000.00} XX/XX/XXXX XXXX XXXX  - {$2900.00}

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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Failure to Reimburse Expenses as a result of Trip Delay : My travel was recently delayed departing XXXX  to return to XXXX on XX/XX/XXXX. As a result of the delayed flight by XXXX XXXX, our family had to stay XXXX additional nights and incurred hotel/food expenses. 

I submitted my claim on XX/XX/XXXX to XXXX ( XXXX  XXXX XXXX XXXX ) for hotel, food, and airport transportation expenses. All requested documents were submitted by XX/XX/XXXX. Online at XXXX it says these documents were all successfully uploaded. But I have now received XXXX additional notices saying the same thing, that itemized receipts and travel itinerary need to be submitted, though the online portal confirms receipt of these documents. XXXX times I called XXXX  XXXX ( on XX/XX/XXXX and XX/XX/XXXX ) and reached a person who verified for me on the phone that all requested documents have indeed been received, but that no timeline could be provided regarding next steps and that it is typical for their system to repeatedly ask for documents even though they have already been received! 

There is zero  accountability here. The customer service representatives at Chase Credit Card and XXXX  XXXX both times said they could provide no timeline about next steps even though it appears they have received all requested documents. I have read online that XXXX  XXXX employs this tactic to draw out the process until consumers give up on trying to receive reimbursement for valid claims, especially trip delays. Some users feel that the claims process is designed to make it difficult to get claims approved, with some suggesting that the benefits are a " bait and switch. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: AL

Complaint narrative:
I have disputed this multiple time through experian and obviously they dont really check anything because i have disputed it for the simple reason that the debt is to old and they come back and say everything checks out

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a business account with Bank of America. I registered my DBA to the account as well. ( DBA was posted on account ). 
On XX/XX/XXXX I deposited a GOVERNMENT check ( stimulus ) through a bank teller under my DBA. The amount was {$120000.00}. 
On XX/XX/XXXX I tried to log into my online banking and I was locked out. I called the bank and they told me they were closing the account. I went into a branch and asked the banker why my account is being closed and she said the TELLER WHO DEPOSITED MY ACCOUNT PUT A MANUAL BLOCK ON MY ACCOUNT! And that once a branch manager does that, theres nothing anyone else can do. She advised me to wait for a letter in the mail. 
A few days go by and I received a check from Bank of America in the amount of {$32.00}!!!!!!!!! 
I called them and asked them where are the rest of my funds? They told me the account is closing due to a check being deposited in a 3rd party name. THE THIRD PARTY IS MY DBA WHICH IS POSTED ON THE ACCOUNT!!!!!!!!!

Now theyre telling me they have to verify before sending me those funds. Its the IRS..practically impossible to reach. This money is owed to me and I have had to come out of my own pocket to pay my employees. Its been 2 months now and I call every single day and get the same response. Keep calling every week for an update. I am beyond frustrated and dont know what else to do but I NEED those funds! I am now in debt due to this. Please help me resolve this issue.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Requested Resolution for Credit Reporting Complaint To Whom It May Concern, In seeking a fair resolution to my complaint regarding improper debt validation and inaccurate credit reporting, I respectfully request the following : 1. Full Debt Validation Creditors and third-party debt collectors must provide complete and verifiable documentation proving the legitimacy of the alleged debts, including original agreements, payment histories, and proof of ownership if the debt was transferred or sold. 
2. Removal of Unverified Accounts Any debts that can not be properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) should be removed from my credit report.

3. Correction of Any Reporting Errors If any incorrect or outdated information is identified during the investigation, I request that it be corrected or deleted to ensure accuracy in my credit profile.

4. Cease Collection Efforts on Unvalidated Debts If a debt can not be properly verified, I request that all collection activities related to that debt cease immediately, including any future attempts to collect, report, or resell the account.

5. Written Confirmation of Resolution Once the matter has been reviewed, I request written confirmation detailing the outcome, including any changes made to my credit report and the validation of any remaining debts. 

I believe these steps are a reasonable resolution to ensure compliance with federal laws and to protect my consumer rights. I appreciate the CFPBs assistance in addressing this matter fairly and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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