vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Request for Correction Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the inaccurate information that has been reported on my credit report. Specifically, I am referring to the account reported under the reference number $ XXXX, ** which contains numerous errors and fails to reflect the accurate status of the account. 

According to my credit report, the following information is incorrect : 1. High Balance : The reported high balance of {$21000.00} is incorrect and does not reflect my actual usage of the account. 
2. Date of Last Activity : The date of XX/XX/XXXX does not correspond to my actual activity on this account. I believe this date is inaccurate. 
3. Date Reported : The date reported as XX/XX/XXXX is future-dated and could not be accurate. 
4. Account Status : The status of Closed and Collection/Chargeoff is erroneous, as the account has been neither closed nor charged off according to my records. 
5. Past Due Amount : The reported {$21000.00} past due amount is incorrect, and I request a full investigation into this discrepancy. 
6. Account Type : The designation of the account as Installment Sales is incorrect. The nature of this account does not fall under this category. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt and thorough investigation into this dispute, and I am requesting that the inaccurate information be corrected or removed. As stipulated by the FCRA, any incorrect or unverifiable information must be corrected or deleted within 30 days of the receipt of this letter. 

In addition, as per the Class Action Lawsuit Rules, I would like to formally notify you of my intent to take further action if these discrepancies are not rectified in a timely manner. I request that you promptly investigate the inaccurate information and provide a detailed explanation of your findings. 

Please correct the above-mentioned errors and provide me with an updated credit report reflecting the accurate information. If you are unable to verify the disputed information, I respectfully ask that it be removed from my credit report entirely. 

Thank you for your prompt attention to this matter. I look forward to your timely response in accordance with the applicable laws and regulations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We requested and received a forbearance for two months due to the impacts of Hurricane Helene. They said they understood and we could receive up to a three month forbearance. We were told to notify them when it was time to resume payments. The forbearance started in XXXX. We called on XX/XX/XXXX to resume payments and to ask what was need to do to resume payments. We were told resume payments on XX/XX/XXXX and to fill out a series of forms and an application to determine how the missed payments would be made up either a lump sum payment, spilt up over time or added on to the end of the loan. We downloaded the forms which were numerous and almost identical to appointing for a new mortgage. No date was given for the forms to be submitted by. We filled out the forms and made the XXXX payment. They received the payment and applied it to the XXXX payment rather than the XXXX payment as discussed and then reported us to the credit agencies for being 60 days over due. Our rating went from XXXX to XXXX instantly. We worked extremely hard for decades to maintain our credit scores. We called to discuss this with the company on no less than more than a dozen times usually getting different responses to questions. Their training program is egregious at best. After receiving contradictory information repeatedly, we filled more forms and sent in additional information. in the middle of XXXX, we received a statement approving us for a second forbearance and never acknowledged how the missed payments would be dealt with. We would like someone to review the recorded phone calls made over the course of the last four months because we believe the handling of this situation has been unethical at best.

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 2025-03-31 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: NC

Complaint narrative:
Inaccurate information on my credit report and account was previously removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Greetings On XX/XX/XXXX my wife tried to use our XXXX XXXX credit card through Citibank N.A. located at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and was denied and told to contact the bank. We contacted the bank immediately that day, as we didn't have a late payment and still had a sufficient amount of credit line available. Upon contacting customer service at Citibank via phone we were told to wait for a letter telling us the reason. 10 days passed and the letter just stated that had removed her as an authorize user through our XXXX XXXX Citi Card and our Citi Simplicity credit card. Upon receiving the letter, it states to direct any questions and to get answer you must inform them with a letter in writing. which we wrote the company 30 letters, we finally get a letter back and its generic response letter back that states " Based on our prior experience with the authorized user listed on your above-referenced, account we have determined we can no longer offer them financial service products. This information was identified during a recent review and, as a result, a business decision was made to remove the authorized user from your above-referenced account on XX/XX/XXXX. '' In my letter to them, I request to dispute the reasoning, which to this day we still don't know what and asked my wife to be re-instated. As of now, my wife has been removed from both credit cards that we have been members from XXXX and XXXX and we haven't had a late payment and carried a balance on both cards since opening. The thing that bothers me most, is the customer service can't give us any answers why and we believe we were being discriminated against on her being removed. Another note, since her removal the company has sent her multiple pre-qualified sign up for our credit card and yet they still haven't given us a reason for removal, also they left my card open and are available for use. I have sent more letters to them requesting an exact reason, therefore since we can't come up with any reasonable logically explanation and can't get XXXX from anyone through customer service, we are coming to the determination she was the abuse of discrimination screening based on a recent review by them. Why not is our question, why not removed anytime before that? There responses says based on our prior experience with the authorized used listed, we determined we can no longer offer them financial service products. What does that mean, that we because we carried a balance, never had a late payment, they can remove her, based on what prior experience, being a customer to them that does exactly what they want, by paying their bills? 



Any help or feedback would be greatly appreciated with this. 


Thank You 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 explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
I have been looking over my credit reports and I have found some inaccuracy 's on my credit profile. I have found on several accounts that the delinquent dates are listed before the account open date, as we know it is not possible for the account to be delinquent before it is even opened. I also noticed that some of those accounts also have business names I do not recognize. I have investigated and found these are companies have purchased accounts believed to be my accounts. I dont believe that to be legal. I have never had any dealings with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX, nor have I agreed to them taking over any accounts believed to be my accounts. I have notified them several times with no results over a few years time. I would like any of the accounts listed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX removed from my credit report under the code 15 USC 1681e ( b ) as I have never had any agreements with these companies. I have sent letters to these companies asking for them to remove themselves from my account due to these inaccuracies. I have also let them know that this is my last attempt to correct this matter before I seek legal council. This is on my Transunion, Equifax, and Experian and I would like them removed from all 3 of those entities.

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 2025-04-01 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-04-01 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: V and H Portfolio
State: IL

Complaint narrative:
I keep getting harassed for some debt that is not mine. I have no knowledge to the debt. I get calls and texts daily. I block one they call and text from another

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-04-01 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: CA

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint regarding an unresolved issue with Chase Bank involving a wire transfer that was mistakenly sent to an incorrect recipient and has not been successfully recalled, despite nearly XXXX months of follow-up. 

On XX/XX/year>, I mistakenly initiated a {$5000.00} wire transfer from my Chase Bank account to the wrong XXXX XXXX  account. I recognized the error immediately and contacted Chase the same day to request a recall of the wire transfer. 

Since then, I have been repeatedly told by Chase representatives that they have contacted XXXX XXXX more than XXXX times regarding the matter. However, the funds have not been recovered, and no progress has been made. I personally reached out to XXXX XXXX and was informed that they have not received any communication from Chase Bank and that they can not act without direct contact from Chase.

This ongoing back-and-forth, with both banks deferring responsibility, has left me with no resolution and no transparency. From my perspective, Chase has not made sufficient effort to escalate or follow through on this matter, despite the seriousness of the situation and the length of time that has passed. 

I am requesting that the CFPB investigate this issue and assist in holding Chase Bank accountable for : Failing to take prompt and effective action to recover the funds Not providing documentation of their outreach to XXXX XXXX  Failing to escalate the issue to a higher resolution team despite multiple inquiries Leaving the consumer in the dark about the status of a substantial wire transfer error This situation has caused significant stress and financial concern. I am seeking immediate assistance in ensuring that Chase follows through with its obligations and communicates effectively with the receiving bank to retrieve the {$5000.00}. 

Please let me know if any additional documentation or information is required to support this complaint. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
Somebody is using a chase business card in my name that I never had and made over {$3000.00} in purchases back in XX/XX/year> and i never had access to the account and never knew i had it. Then I was notified that my over XXXX credit score was under XXXX which then made me look in this and I disputed it with a credit bureaus, who deem it to be identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I am disputing a collection placed by AllianceOne , Inc. ( Account XXXX. XXXX ) related to an alleged XXXX XXXX XXXX and Failure to Appear citation. I did not own a vehicle at the time that would give rise to this type of violation, nor have I ever received any notice, citation, or communication regarding such a matter. 

Despite having never been served with a citation or court notice, a default judgment was apparently entered against me by the XXXX XXXX XXXX XXXX. I only became aware of this matter after learning that my California state tax refund and state lottery winnings were intercepted by the XXXX XXXX XXXX ( XXXX ). 

The collection activity is improper and lacks legal foundation for the following reasons : No service of process was made before the judgment was entered, which violates my constitutional right to due process. 
I had no prior knowledge of any proceedings in XXXX XXXX XXXX XXXX related to this matter. 
I do not own a vehicle, and there is no factual basis for the underlying registration violation. 
AllianceOne and/or the XXXX XXXX XXXX XXXX XXXX XXXX the judgment without any prior notice or opportunity to contest the charges. 

I have contacted AllianceOne to formally dispute the debt and have requested verification, including : A copy of the original citation, Proof of service, A copy of the judgment, And a legal explanation of the referral to the Franchise XXXX XXXX. 

As of the date of this complaint, I have received no response from AllianceOne. 

I am requesting : XXXX. That all collection activity be immediately ceased, XXXX. That any funds intercepted be returned, XXXX. That the judgment be vacated and removed from any records, XXXX. And that all negative reporting to credit bureaus ( if any ) be retracted. 

The lack of notice and due process in this case has caused financial harm and frustration. I respectfully request that the CFPB investigate this matter and require AllianceOne to provide all documentation and a formal resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Sent in investigation letters to Experian and Equifax, and they sent back stall letters because they deem my dispute letter or the request as not legitimate. I provided my proof of address, and drivers license as my proof, I did not send the letters by themselves.

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 2025-04-01 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple creditors and debt XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate, unverifiable, and potentially fraudulent information being reported on my credit reports. 

The following accounts contain errors, inaccurate reporting, or unauthorized activity : XXXX. XXXX XXXX XXXX XXXX Bank ) Opened XX/XX/year> XXXX XXXX days late and over the credit limit without verification. 

Violations of FCRA XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Recent late payment reporting without proper validation or notice. 

Violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 


XXXX. XXXX XXXX Bank Credit Card XXXX charged-off status with a high balance owed ; debt not validated. 

Violation of FDCPA XXXX and FCRA XXXX ( a ) ( XXXX ). 


XXXX. XXXX XXXX XXXX account XXXX " Purchased by another lender '' without accurate ownership information or verification. 

Violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 


XXXX. Key XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX {$2200.00} Reporting unverifiable debt without full validation. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Celtic Bank XXXX Account # XXXX {$550.00} Reporting without providing proof of ownership or validation. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX {$62.00} Reporting without full validation of debt. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX {$1000.00} Reporting without valid verification. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ).

Company response to consumer: Closed with non-monetary relief