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

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX XXXX XXXX XXXX. They are listing a collection account stating it was opened in XX/XX/XXXX with a balance of {$1300.00}. 
This account is a duplicate and misleading representation of a XXXXXXXX XXXX account that was closed in XX/XX/XXXX, as confirmed by XXXX own correspondence. I never reopened or authorized any new account, and I did not default on any such obligation in late XXXX. 
XXXX XXXX is reporting this as if it is a newly opened collection account, which is not only inaccurate but violates the Fair Credit Reporting Acts prohibition on re-aging or duplicating closed debts. 
I have attempted to dispute this directly with the credit bureaus and XXXX XXXX, but no corrections have been made. 
I respectfully request that this account be investigated and removed entirely from my credit file. This reporting is harming my ability to qualify for essential credit and housing. Supporting documents attached.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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

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 Experian, XXXX  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 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 2025-05-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to obtain assistance regarding a transaction at JPMorgan Chase Bank, N.A. ( Chase Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX  ) that occurred on XX/XX/XXXX with the assistance of banker XXXX XXXX and bank manager- XXXX XXXX. As of today, my account has been closed and monies in the amount of {$54000.00} is being withheld ( suspense fund ). 

A cashier check was signed over to me on the XXXX of XXXX. I was told that this transaction/deposit could be made as long as the person who name is on the check was present with identification. Please note that all of the direction from Chase staff was followed. Later I found out that the bank should have never accepted the cashier check because it was not in my name. 

On or about XX/XX/XXXX, I spoke to someone in the fraud department who assured me that the monies would be release after XXXX  day hold. On XX/XX/XXXX, monies became available. 

On XX/XX/XXXX, I had a XXXX scheduled appointment with XXXX XXXX at Chase XXXX XXXX in which she informed me my account was restricted. 

The fraud department is still claiming that the owner of the check could not be verified even after having her obtain a new phone and number with a different carrier. As of today, was informed that she could not be verified and that they needed to speak to the employees at the branch. Please note she has a written document from XXXX her phone carrier stating her number is registered in her name. She also verified herself through XXXX XXXX and the credit bureau. 

I have spoken to several representatives, supervisors, and have escalated the calls since XX/XX/XXXX to include coming into the branch on the XXXX and on XX/XX/XXXX. I met with the bank manager XXXX who instructed the owner of the check to get an additional number for verification. on the XX/XX/XXXX. On XX/XX/XXXX, I along with the owner of the check met with the manager XXXX with XXXX XXXX who was present and was guiding me through the transaction on XX/XX/XXXX. 

I have made multiple attempts to rectify the situation by following the instructions from the branch - bank manager XXXX and the fraud department, however I was unsuccessful. As of last XXXX, I was told that there is no remedy for this situation, in that all additional instructions wasnt given guarantee solution. 

Any assistance will be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery XXXX. This debt was charged off and they are trying to collect.

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

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-05 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: SD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-05 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: SD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX To Whom it may concern, I am writing to formally dispute certain items on my credit report, as I have been a victim of Idenity theft, which I believe XXXX be connected to the well- publicized XXXX XXXX breach that occurred in XXXX. Under the Fair Credit Reporting Act ( FCRA0, specifically 15 U.S. CODE 1681i and 1681c-2, I am requesting an immediate reinvestigation a removal of all fraudulent accounts and inquiries that resulted from this identity theft. 

The following accounts and /or inquiries listed on my credit report are unauthorized and were not opened or initiated by me : AFFIRM : XXXX XXXX XXXX XXXX CREDIT CARD XXXX BANK- 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 INQUIRY XXXX XXXX XXXX  XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, you are required to block the reporting of any information that is the result of identity theft within XXXX business days of receiving proof of identity and a valid identity theft report. In addition, under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of the disputed information within 30 days. 

Please confirm in writing when these fraudulent items have been removed from my credit file. If you require additional information, do not hesitate to contact me at the address or phone number above. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX To Whom it may concern, I am writing to formally dispute certain items on my credit report, as I have been a victim of Idenity theft, which I believe XXXX be connected to the well- publicized XXXX XXXX breach that occurred in XXXX. Under the Fair Credit Reporting Act ( FCRA0, specifically 15 U.S. CODE 1681i and 1681c-2, I am requesting an immediate reinvestigation a removal of all fraudulent accounts and inquiries that resulted from this identity theft. 

The following accounts and /or inquiries listed on my credit report are unauthorized and were not opened or initiated by me : AFFIRM : XXXX XXXX XXXX XXXX CREDIT CARD XXXX BANK- 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 INQUIRY XXXX XXXX XXXX  XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, you are required to block the reporting of any information that is the result of identity theft within XXXX business days of receiving proof of identity and a valid identity theft report. In addition, under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of the disputed information within 30 days. 

Please confirm in writing when these fraudulent items have been removed from my credit file. If you require additional information, do not hesitate to contact me at the address or phone number above. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-05-05 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: CA

Complaint narrative:
Hi, I discovered that someone stole my identity to open a XXXX XXXX credit card and also a savings account to facilitate the opening of this credit card. I reported it to the XXXX XXXX Police Department and the FTC. XXXX XXXX conducted the investigation very quickly and recently sent me a letter stating that I am responsible for this account, which I am NOT. I provided all the necessary documents and shipped them out on XX/XX/XXXX, including the police report, a statement I wrote, the FTC report, identification, my lease, mails with my correct address, and my credit report. It probably took a couple of days for them to arrive. However, XXXX XXXX spent super short time which is less than XXXX days to investigate and then sent me another letter on XX/XX/XXXX stating that I am responsible for this account. This decision seems being made super quick and reckless. I called to find out what was missing and what other documents were needed. I wonder why XXXX XXXX made such a reckless decision ; they just said they work with a third party. Apparently, there is a lack of communication. 

Best regards, 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 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

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 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Klarna AB
State: NC

Complaint narrative:
On XX/XX/2025, I received an email from Klarna about an account that I didnt open, for {$4000.00} that was given to XXXX and I will have to pay it to Klarna monthly {$220.00} for XXXX payments. So, I immediately called Klarna and asked to close my account and get their money back from XXXX. However Klarna decided to open a dispute! And I called XXXX and cancelled my account that I didnt open! 
However, XXXX notified me of the cancellation but Klarna closed my dispute without notifying me and charged my bank account on XX/XX/XXXX, {$220.00}.

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

Complaint narrative:
I have been constantly communicating about a car loan showing up that is not mine. I was instructed to submit a complaint I did so and provided the affidavit. I keep getting will not delete in response.

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 2025-05-05 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: AL

Complaint narrative:
I have inaccurate information that is hurting my score and ability to obtain credit. Experian has not responded to my disputes, sent a dispute on XX/XX/year>. I have received 3 stall letters and it has been past 30 days to be investigated.

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 2025-05-05 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: Advantage Credit, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is appearing on my XXXX  credit report when XXXX XXXX XXXX, a lender, pulled my credit on XX/XX/year>. This is showing as a derog / collections account. 

The inquiry shows as Advantage Credit Inc. This information should not show as it is inaccurate and old. This is negatively impacting my credit. XXXX  is not helping with getting this resolved. They say they can't see the collection account on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I have been trying to make XXXX XXXX  payments since the month of XXXX of 2024, and every time since then, my payment has been getting reversed. I did not authorize the payment reversal, nor am I given a reason as to why it was reversed. My bank information has not changed, and I have successfully submitted payments with that account before XXXX ( although there were reversal issues before XXXX too ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XX/XX/year> ... Synchrony Bank... I contacted the company because my balance always remained over {$5000.00} even by paying more then was due... I ask for a reduction in interest rate in which they said no, almost 40 %... I ask that the due date be changed by 1 day in which they also said no... I told them to cancel my card because I would never use it again at these rates... He told me I should have read the agreement but I got the card at the register when checking out so didn't see what rates or dates were on it... I have never missed a payment so this is a horrible way to treat people...

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 2025-05-05 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: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-05 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was charged $ XXXX  monthly fees after my Chase XXXX XXXX account auto-converted when I turned XXXX. I was never notified or warned that this would happen, and Ive been a full-time student the entire time. I noticed the charges only recently and contacted Chase to request a refund. Despite having no way to know this change was coming, Chase is only offering to refund XXXX month ( {$12.00} ), and refusing to refund the remaining {$48.00}. I feel this was not clearly disclosed, and Im requesting a full refund of the {$60.00} as a one-time correction for the lack of communication.

Company response to consumer: Closed with monetary relief