vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: KY

Complaint narrative:
XX/XX/year> XXXX ID XXXX from XXXX XXXX, she said no accounts were found under my name or social. 
XX/XX/year> visited XXXX XXXX XXXX KY location in person, they said they can not pull up any accounts under my name or social security number and they said I need to visit the corporate office closest to my location which would be XXXX KY. 
I called the corporate office for XXXX in XXXX KY and they transferred me to a collection company of the name MRS who is not on my credit report. And they could not produce any type of detailed itemized report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title IV, Section 611, Subsection A-D, please provide the names and business address of each individual with whom you verified the below account with, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Acct name : XXXX XXXX XXXX XXXX XXXX ) Acct # : 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
My recent consumer report revealed bankruptcies erroneously listed on my file that should not be present. My research into relevant regulations indicates this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy, as these bankruptcy entries are not only inaccurate but represent an unauthorized disclosure of my personal information. As a victim of identity theft, I find this violation particularly egregious and completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MA

Complaint narrative:
I am filing a complaint regarding multiple unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. I did not authorize, apply for XXXX with, or give any permission to the companies listed below to access my credit. These inquiries were done without my verbal, written, or electronic consent, and there is no permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

These unauthorized inquiries are damaging my credit and are a violation of my rights under the FCRA. Ive reached out to the credit bureaus and the companies that placed the inquiries to dispute and request removals, but nothing has been resolved yet. So Im now formally requesting that these inquiries be deleted from my credit reports immediately. 

Here are the details of the inquiries XXXX disputing : Experian Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MO ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) TransUnion Inquiries : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX These companies pulled XXXX XXXX XXXX my consent and XXXX XXXX XXXX XXXX removed from my file. Please handle this as a formal dispute under FCRA guidelines and confirm once the deletions have been made.

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 2025-05-20 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: MA

Complaint narrative:
I am filing a complaint regarding multiple unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. I did not authorize, apply for XXXX with, or give any permission to the companies listed below to access my credit. These inquiries were done without my verbal, written, or electronic consent, and there is no permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

These unauthorized inquiries are damaging my credit and are a violation of my rights under the FCRA. Ive reached out to the credit bureaus and the companies that placed the inquiries to dispute and request removals, but nothing has been resolved yet. So Im now formally requesting that these inquiries be deleted from my credit reports immediately. 

Here are the details of the inquiries XXXX disputing : Experian Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MO ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) TransUnion Inquiries : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX These companies pulled XXXX XXXX XXXX my consent and XXXX XXXX XXXX XXXX removed from my file. Please handle this as a formal dispute under FCRA guidelines and confirm once the deletions have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My name is XXXX XXXX, and I have been a loyal American Express cardholder since XXXX, consistently maintaining an impeccable payment record. I was shocked to discover on XX/XX/XXXX, that all my Amex accounts were abruptly closed without explanation, resulting in the loss of my accumulated rewards and XXXX points. 

More troubling, I have learned that several of my XXXX XXXX friends have experienced similar unexplained account closures. This pattern raises serious concerns about the treatment of XXXX XXXX  customers by American Express. 
I urge CFPB to investigate this matter thoroughly. 

Thank you for your attention to this critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I I not got work in this moment and the people mi work before no want pay.I put the problem with the lawyer.in this moment I try finding job but not finding yet right now I work with XXXX XXXX but pay too low I this moment the last I week work XXXX hours but pay me XXXX dollars.this is horrible but I need time to find jobs and helps to not loose the house please

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 2025-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute a debt that is incorrectly reported on my credit report. The debt in question does not belong to me, and I believe it has been reported in error. 
Creditor : CAP ONE AUTO Account : XXXX Creditor : XXXX. XXXX XXXX Account:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 - 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for listed accounts to be blocked and deleted company information XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX # : XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus that have willfully failed to remove clearly fraudulent information from my credit report, despite multiple disputes and the submission of supporting documentation. 

It is absolutely unacceptable that, even after being notified and provided with evidence, these agencies continue to report inaccurate and fraudulent data that is damaging my financial standing and violating my rights under the Fair Credit Reporting Act ( FCRA ). This negligence and failure to act in accordance with federal law is causing significant and unjust harm to me. 

I demand that the CFPB take immediate action to investigate and enforce compliance. The bureaus in question have shown a blatant disregard for the law and for consumer protection, and their refusal to correct this situation can not be allowed to continue. 

I expect a timely and thorough response, along with a full investigation into this matte

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 2025-05-20 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: AK

Complaint narrative:
I am filing a complaint against Equifax for their failure to properly investigate and resolve disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of my issue : Initial Dispute : On XX/XX/year>, I mailed a dispute letter to Equifax via USPS certified mail ( tracking number XXXX ). The letter requested an investigation into inaccurate information reported on my credit file, specifically regarding the account with : 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 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 
This account is reporting derogatory remarks that are incorrect. I requested that Equifax remove these derogatory remarks, update the account to reflect positive reporting as per FCRA guidelines, and delete any incorrect personal information listed on my credit report. I included all necessary documentation to verify my identity, including a copy of my drivers license, Social Security card, and proof of address, as required. 
Equifaxs Response : On XX/XX/year>, Equifax responded, stating, " We have received your request concerning inaccurate information on your credit file. Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of two different items- one from each of the listed. '' I was disappointed by this response, as the requested identity verification documents were already included in my initial dispute letter. 
Second Dispute Attempt : To comply with their request, I mailed another dispute letter on XX/XX/year>, again including the requested documents : a copy of my drivers license, Social Security card, and proof of address. I reiterated my request for Equifax to investigate and correct the inaccurate account information and remove any incorrect personal information from my credit report. 
Equifaxs Failure to Respond : As of XX/XX/year>, Equifax has not provided any response to my XX/XX/year>, dispute letter. This exceeds the 30-day investigation period mandated by the FCRA ( 15 U.S.C. 1681i ), during which Equifax is required to investigate and respond to consumer disputes. Their failure to act constitutes negligence and a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I went into settlement in XXXX of XXXX  with XXXX, XXXX and XXXX on the behalf of LVNV Funding LLC. I do believe I did not owe them because I never had a contract with them but in order to not go through court proceedings I agreed to pay them off. the account number starts with XXXX. I paid off as of XX/XX/year> and I was told that my credit report would be updated and the account would be deleted from my report. I do have documents to attach that say I paid it off. I would like this account to be deleted from my report asap it has already been over a month since I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX I opened a bank account with Chase which has over {$30000.00} in it. When I try to withdraw cash from an ATM, they limited me, and say " it's banking regulations. '' They don't identify the banking regulations and I can't find them. Last week, I tried to pay a contractor 's invoice for less than {$1000.00} using XXXX. The contractor 's phone was recognized by XXXX as being a verified XXXX user. Chase limited my transaction to {$500.00}. I sent it to the contractor with an explanation that I'd have to pay the balance the next day. The next morning I got a message that my XXXX payment, which was sent to a confirmed recipient and which was confirmed as being sent, had been canceled. I called Chase. Again, they pointed the finger at a third party, claiming XXXX puts the limits on my account. So I called XXXX. They told me that " Chase is a partner of XXXX. We can't access your XXXX account with chase. '' So they said they couldn't even look at it. This makes no sense to me. but it seems to prove that Chase is lying. I believe its a scam to make it difficult to withdraw cash, just so Chase can earn a few extra cents on the float while the transaction is being delayed. Given the XXXX of accounts they " service, '' that adds up pretty quickly to significant sums. THAT IS FRAUDULENT!

Company response to consumer: Closed with explanation