vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is more than XXXX XXXX XXXX and should be deleted from my report. 

Statute of Limitations : The seven-year credit reporting limit is separate from the statute of limitations, which is the legal time limit for a creditor to sue you to collect a debt. 

1. Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$48000.00} Highest balance - Terms XXXX Months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is more than XXXX XXXX XXXX and should be deleted from my report. 

Statute of Limitations : The seven-year credit reporting limit is separate from the statute of limitations, which is the legal time limit for a creditor to sue you to collect a debt. 

1. Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$48000.00} Highest balance - Terms XXXX Months

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Victim of Identity Theft Dear, Credit Reporting Agency After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft.

I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 
Please delete the following accounts from my credit report immediately! 

XXXX Signature Account # XXXX XXXX XXXX XXXX XXXX  Signature Account # XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXXXXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NV

Complaint narrative:
Subject : Dispute of Late Payment Reporting Due to Failure to Mail Required Information ( 15 U.S.C. 1666b and 1637b ) I am writing to formally dispute the late payment reported on my credit report for the account with XXXX XXXX related to the billing period of XXXX XXXX XXXX. I believe this information is inaccurate and should be removed in accordance with 15 U.S.C. 1666b, as well as 15 U.S.C. 1637b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NV

Complaint narrative:
Subject : Dispute of Late Payment Reporting Due to Failure to Mail Required Information ( 15 U.S.C. 1666b and 1637b ) I am writing to formally dispute the late payment reported on my credit report for the account with XXXX XXXX related to the billing period of XXXX XXXX XXXX. I believe this information is inaccurate and should be removed in accordance with 15 U.S.C. 1666b, as well as 15 U.S.C. 1637b.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Comenity Capital BankXXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : Formal Dispute of Debt and Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute any and all debts that your agency claims I owe. Additionally, I am disputing the inaccuracies on my credit report caused by your agencys reporting. I have no knowledge of the alleged debt and was not properly notified of its existence or given the opportunity to dispute it. 
If your agency believes that proper notification was provided, I demand that you supply proof in the form of certified mail with a receipt bearing my signature. If you are unable to provide such proof, I demand that all accounts related to this alleged debt be removed from my credit report immediately. 
Under federal consumer protection laws, I am asserting my rights as follows : 1. 15 U.S. Code 1692C ( Fair Debt Collection Practices Act - FDCPA ) : Your agency must cease all communication with me except through written correspondence sent to my address listed above. I revoke any and all consent for phone, email, or text communication.

2. 15 U.S. Code 1692G : I request proper validation of the alleged debt, including : The name and address of the original creditor.

Proof that your agency has the legal right to collect the debt.

Detailed itemization of the alleged amount owed.

3. 15 U.S. Code 1681e ( b ) ( Fair Credit Reporting Act - FCRA ) : Your agency has a duty to ensure that information reported to credit bureaus is accurate and verifiable. The inaccurate reporting of this unverified debt violates this obligation and must be corrected immediately.

4. 15 U.S. Code 1635 : This statute outlines my right to dispute and rescind obligations that are not legally established or appropriately disclosed.

Further, I am invoking the following regulations to support my dispute : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), and 12 CFR 1006.34 ( d ) : These require clear and accurate disclosure of debt information, including validation and notification procedures.

15 USC 1661-5 2 ( 7 ) ( A ) : I request proof that your agency has a permissible purpose for reporting this account to credit bureaus.

If you can not validate the debt in compliance with the law or provide the required proof of notification, you are obligated to : 1. Cease all collection activity.

2. Remove all negative reporting related to this debt from my credit reports.

3. Notify me in writing of the action taken.

Failure to comply with this request will leave me no choice but to pursue legal action to protect my rights under these consumer laws. I expect a full response, including all requested documentation, within 30 days of your receipt of this letter. 
This is a formal request for compliance. I reserve the right to report violations of federal law to the appropriate authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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.

Complaint narrative:
In XXXXXXXX XXXX XXXX I opened an XXXXXXXX XXXX XXXX XXXXXXXX Credit card and transferred about {$10000.00} in a XXXX % balance transfer. 

I also set up the autopay through the Bank XXXX XXXX website. 

The autopay did not pay in XXXX or XXXX, as soon as I found out I had a balance to pay, I paid about {$550.00} in full. 

When I went to apply for a loan in XXXX, I learned my XXXX XXXX had dropped XXXX points because of the missed autopay. I contacted XXXXXXXX XXXX XXXXXXXX to fix this issue. 

The customer service representative said they would put in an inquiry, I got a letter from XXXX XXXX XXXXXXXX stating they could not fix 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
The problem started when I noticed I was being charged {$19.00} a month for " XXXX 14 Day Trial ''. Previously, I had subscribed to XXXX XXXX XXXX, which was indeed {$19.00}. However not only had it long been cancelled, but it Never billed as that, it billed as " XXXX XXXX M*. I provided evidence of this, from my checking account statement, from within my XXXX Account where it showed the day that I cancelled the subscription, as well as forwarded them an email from my XXXX account that stated my Game Pass subscription had been cancelled long before these charges from " XXXX Day Trial ''. I also asked to have the transaction/merchant blocked so it would no longer be able to charge me. ( I had been charged again, Twice, once a month while waiting for a resolution ). They claimed to block the merchant, however I was still charged yet again for this. Finally, I just started banking elsewhere. The balance is now negative, but Only from these charges. They have closed the account and will soon report this as a negative mark on my credit. I tried to reach out to amend the dispute and to explain the situation, but no one can help me over the phone and I can not get a response from the dispute team or their " back office ''. 

The dispute resolution form is the Only " proof '' I received from them to provide how they deemed these disputes as " invalid '' Please note that the cancellation date documented in their own document is a Year prior to the billed date.

I have One document that is not provided below, because of personal info. It is a complete email from XXXX stating the XXXX XXXX subscription has ended and gives a date, last XXXX of card number, etc. I can provide that if asked. I provided All of this to SoFi prior to them denying my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

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 2025-03-18 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: Servicer under contract with Federal Student Aid
State: NM

Complaint narrative:
My personal and financial information compromised without my consent or authorization. The family education rights, and privacy ACT FERPA protects the confidentiality of students ' records. This breach is a clear violation of FERPA and it's your responsibility to safeguard my information. Given the severity of this breach and resulting compromise of my personal and financial information, I request you immediately cancel and discharge all my student loan debts. You have 5 business days to resolve this issue. 
Thank you in advance

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
I keep getting this call from random XXXX numbers. They leave a message that says. Even when you answer the call this same message comes on : " Hello, we are calling with an important message from Receivables Management Partners , LLC, XXXX, RMP Services, LLC. This call is from a debt collector. Please call XXXX. '' The first call was in XXXX, 2025 around the XXXX, and I also received a text that showed a medical bill from XXXX XXXX that show {$400.00} and something due. Sorry I don't member the amount because I deleted it after I called XXXX XXXX to verify whether I owed the amount in question. They said I did not owe anything and that if I did they would have contacted me directly. They did not recognize the debt collector company and said was a scam. 
I continue to get calls leaving the same message above. One on XXXX/25, XXXX/25, XXXX/25 and today XXXX/25. 
I have never received a notice in the mail from this collector or anything else other then what I stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WESTSTAR MORTGAGE CORPORATION
State: MT

Complaint narrative:
Throughout 2024, I wrote to Westar Mortgage asking for the XXXX accounting entries, proof of equal consideration, as well as the Original Warranty Deed and Mortgage Title. 

The company continued to be non responsive. 

I have never had a contract with Westar Mortgage and they are operating in fraud. They claim to not be debt collector, however they are not an original creditor.

This is impacting me from gaining housing presently.

My files are in storage due to living in transitional veterans homeless housing and I do not have immediate access to all of the letters sent to Westar Mortgage that have been unanswered.

I do not even own the property they are referring to.

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 2025-03-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX 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 explanation
Consumer complaint received 2025-03-18 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-19 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-18 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: V and H Portfolio
State: TX

Complaint narrative:
I've disputed these accounts serval times and because i refused to provide my SSN the rep would not provide me with me a debt validation letter. These companies also violated laws 15 U.S.C 1681e ( b ) and 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've disputed these accounts serval times and because i refused to provide my SSN the rep would not provide me with me a debt validation letter. These companies also violated laws 15 U.S.C 1681e ( b ) and 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation