vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number [ XXXXXXXX XXXX XXXX XXXX XXXX which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Complete name and address of the original creditor.

2. XXXX XXXX Verification of the Debt : XXXX XXXX  A full accounting of the debt amount, including itemized charges. 
XXXX. XXXX XXXX  Proof of Your Authority XXXX XXXX XXXX  Documentation proving that you have authority to collect this debt on behalf of the original creditor. 

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports.

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus.

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 
XXXX XXXX XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-10 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:
Equifax you are allowing XXXX to report an account without my permission according to 15 USC 1681 a written consent must be obtained to report an account also XXXX has been reporting inaccurate information in regards to this XXXX account. Please see attached letter. I'm in the process of taking XXXX to court for several violations. Please remove account according to 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I am submitting this formal complaint regarding an inaccurately reported XXXX XXXXXXXX XXXX XXXX charge-off account on my Equifax credit report. I was a confirmed victim of the Equifax 2017 data breach, and I believe this reporting stems from Equifaxs failure to protect my private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: MS

Complaint narrative:
The letter is a formal request to a credit bureau to remove fraudulent accounts and inquiries from a credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act ( FCRA ), the sender asks for the unauthorized items to be blocked and deleted. Supporting documents, including an FTC Identity Theft Report, are provided, and the sender requests confirmation once the corrections are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good afternoon, My name is XXXX XXXX. I had XXXX personal accounts with Chase bank. I was instructed to move my business account to them and I did. 
Once I opened my business bank account, one of my business partners wired me $ XXXX to this business account so that I may process payroll and pay a contractor. 

Chase restricted my account and will not let me get any of my funds. I have mountains of paperwork proving my innocence and they won't even look at it. 

They say that our banking relationship has ended and that they don't have to tell my why and that it can't be reversed. 

ALSO, they won't just close my account. I have to wait 10 business days for it to close and I told them I have employees to pay and they do not care. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: IN

Complaint narrative:
Charged for a subscription account for a product that was never delivered. The company refuses to remove debt despite no product being received and no record of product delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
My account was closed with no warning. They wont give an explanation either. I want my card opened.

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 2025-05-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account at credit collection servic open on XX/XX/XXXX under the account number ( XXXX ), a charge account account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a child support account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a student loan account opened at Dept of EdXXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of trafficking victim determination documents as proof that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-10 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NV

Complaint narrative:
RECENTLY DISPUTED FRAUDULENT ACCOUNTS CAUSED BY THE XXXX  DATA BREACH AS LAW REQUIRES SENT IN ALL DOCUMENTS REQUIRED BY FCRA LAW. EXPERIAN RESPONDED WITH A STALL TACTIC STATING THEY NEEDED MORE DOCUMENTATION, WHICH I SENT ALL DOCUMENTS REQUIRED BY LAW.SEE ATTACHMENT OF STALL LETTER, ALSO TO UPLOAD DOCUMENTS THEY REQUIRE A CASE FILE NUMBER WHICH EXPERIAN DID NOT ATTACH TO EMAIL SENT TO ME ANOTHER STALL TACTIC. 


Please read pdf attachment. I have uploaded the stall letter as I have also sent to XXXX, DISTRICT ATTORNEY OFFICE. FOR PROOF OF ILLEGAL PRACTICES.

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 2025-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request assistance regarding a missing direct deposit in the amount of {$1000.00}. 

On XX/XX/year>, a newly setup direct deposit from my employer 's payroll system ( XXXX ) was initiated to send {$1000.00} to my brokerage account at XXXX. The instructions provided by XXXX told me to use a routing number that belongs to JPMorgan Chase along with a specific " direct deposit ID '' generated by XXXX. I misunderstood and just provided my XXXX brokerage account number, which does not correspond to any account at JPMorgan Chase. 

Therefore, the funds never appeared in that account. 

Since then, I have tried numerous avenues to correct this. 

I first tried calling XXXX. They tell me that they have no record of any deposits being made to my brokerage account, which I can confirm because I also don't see anything. This was how I discovered I needed to use the special direct deposit ID. Because XXXX is not involved at this stage in the process, there has been nothing they could do to begin researching. I've asked to speak with someone who handles the process or partnership with JPMorgan Chase, but they are unable or unwilling to direct me. They tell me that I need to contact JPMorgan Chase since the money was sent over there. 

I then go to Chase ( many times now ), but because I do not have an account with them, they are also either unable or unwilling to help. They refuse or don't know how to look into the Tracking ID ( XXXX ), and they also can't or won't look up the transaction by any other identifying information provided in the transaction receipt from XXXX. The only thing I was able to confirm with them was that the routing number used ( XXXX ) is indeed a JPMorgan routing number. 

However, that account number does not exist. 

My only recourse now has been to work with my employer and the payroll administrator ( XXXX XXXX, but they are also giving me a bit of a runaround.

I have attached a long email thread between me, my employer, and XXXX as well as the ACH transaction receipt I received from XXXX documenting the transfer in question. As of today, it's been about 6 weeks, and I am being told that I may need to wait another 90 days with the possibility that this does NOT get resolved. That is unacceptable to me as I am missing this {$1000.00} that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that TransUnion has violated the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( a ) ( 5 ) ( B ).

Following a dispute in which inaccurate account information was deleted, TransUnion later reinserted the previously deleted negative information back onto my credit file without providing the mandatory five-day written notification. This is a direct and serious violation of my rights under federal law. This student loan account was also in XXXX XXXX forbearance. These are the following accounts listed below : 1. Name : XXXX XXXX Account : {$1300.00} Your failure to follow proper reinvestigation and notification procedures shows noncompliance with the FCRA. 
Demand : Immediate deletion of all late payments reinserted inaccurate information.

A full reinvestigation and written findings. 


Formal written notice of permanent deletion. 


If corrective actions are not taken within 15 days, I will pursue legal action for damages related to willful violations.

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 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA

Complaint narrative:
The MPNs for both my husband and I 's XXXX XXXX XXXX ( taken out between XXXX ) have seemed to vanish from our XXXX XXXX accounts. We called our schools and we also contacted our loan servicers ( MOHELA for both ). MOHELA referred us to someone at the DOE who said that we will have to file a FOIA request. DOE said that it would be a PA request. This PA request was filed on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief