vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Conserve Account # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # as soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Based on our experience since opening our business banking account in XXXX of 2023 there is a strong belief that our account disruptions have been rooted in racism and discrimination. Since we have had the account open there has been high documented instances of declined charges on both our checking account and our credit cards. We are a small business and when these actions continue to happen it affects our day to day. They provide us no help and no reasoning behind what theyre doing. One of the members of or business has a personal account with them so it is not understood why the relationship they have with our business is poor. I am concerned this is bank discrimination and I would like it investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am formally disputing a pending charge of [ $ XXXX ] from [ XXXX ] on [ XX/XX/year> ]. I am requesting cancellation of this pending authorization. Please escalate this to the Dispute Department immediately and respond in writing.

They wont reverse it. This has happened before. They add fees. Use stall tactics over the phone transfers me every time until you get frustrated and quit. They authorize unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Memorial Ct XXXX, GA XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Request to Block Fraudulent Items Under XXXX XXXX  XXXX ( Identity Theft ) To Whom It May Concern, I am writing to dispute and request the immediate blocking of fraudulent information on my credit report in accordance with my rights under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX. 

I am a victim of identity theft. The following accounts and inquiries appearing on my credit report were opened or initiated fraudulently and without my knowledge or consent : Fraudulent Credit Accounts : SBNASELFLNDR Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$710.00} XXXXXXXX XXXX XXXX  Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$330.00} XXXX XXXX XXXX XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} Georgia XXXX XXXX XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} Capital XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX Pursuant to XXXXXXXX XXXX XXXX, I formally request that all of the above fraudulent accounts and inquiries be blocked from my credit report and not be reported to any XXXX parties. Please confirm in writing that these items have been blocked and removed from my file. 

Thank you for your prompt attention to this matter. Please contact me at the information provided above if you need any additional documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
Complaint : I disputed an inaccurate account on my credit report with XXXX Per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the bureau was required to conduct a reasonable investigation and verify the accuracy of the disputed information within 30 days. They reported the information meets requirements, however never sent me the documentation.

I have not received any documentation or validation supporting the accuracy of the account. Despite the failure to verify, the account remains on my credit report, causing potential harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX  Will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
Midland Credit Management : Account XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Equifax Information Services, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Request for Immediate Removal of Inaccurate Information under 15 U.S.C. 1681c-2 To Whom It May Concern : I am writing to formally dispute and request the immediate removal of certain inaccurate and/or fraudulent accounts currently appearing on my consumer credit reports, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 
The following accounts are being reported inaccurately and without proper authorization, and must be permanently blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information associated with these accounts does not belong to me, XXXX XXXX XXXX, nor have I authorized or participated in any transactions related to these accounts. As such, these entries are the result of identity theft, misidentification, or other reporting errors. 
In compliance with 15 U.S.C. 1681c-2, I am requesting the following : 1. 2. 3. Immediate blocking and deletion of all disputed accounts from my credit file. 
Written confirmation that these accounts have been permanently removed. 
Prevention of any future reinsertion of these accounts without following the strict reinvestigation and certification procedures required by law. 
Attached are copies of : My government-issued identification ( Drivers License ) Please complete the reinvestigation within the required timeframe and provide a written response. 
Failure to properly block and remove the disputed information will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action to enforce my rights under federal law. 
Thank you for your prompt attention to this serious matter. 
Sincerely, Signature : _______________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Equifax Information Services, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Request for Immediate Removal of Inaccurate Information under 15 U.S.C. 1681c-2 To Whom It May Concern : I am writing to formally dispute and request the immediate removal of certain inaccurate and/or fraudulent accounts currently appearing on my consumer credit reports, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 
The following accounts are being reported inaccurately and without proper authorization, and must be permanently blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information associated with these accounts does not belong to me, XXXX XXXX XXXX, nor have I authorized or participated in any transactions related to these accounts. As such, these entries are the result of identity theft, misidentification, or other reporting errors. 
In compliance with 15 U.S.C. 1681c-2, I am requesting the following : 1. 2. 3. Immediate blocking and deletion of all disputed accounts from my credit file. 
Written confirmation that these accounts have been permanently removed. 
Prevention of any future reinsertion of these accounts without following the strict reinvestigation and certification procedures required by law. 
Attached are copies of : My government-issued identification ( Drivers License ) Please complete the reinvestigation within the required timeframe and provide a written response. 
Failure to properly block and remove the disputed information will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action to enforce my rights under federal law. 
Thank you for your prompt attention to this serious matter. 
Sincerely, Signature : _______________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 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 2025-04-27 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Currently the average interest rate on credit cards nationwide ranges from XXXX to 28 %, depending on creditworthiness. While my balances are somewhat high, I have a perfect record of on time payment. 

So I was surprised to get the following email from Avant Card ( which I have attached ) * * * * * * * * * The following is a summary of changes that are being made to your account terms ... As detailed below, we are increasing your XXXX for Purchases and adding a monthly fee to your account. We have made these changes to your account due to the following reasons : Historical Utilization On The Account Change In Revolving Balance Level Time Since Overlimit Activity Overall Performance/Profitability Monthly Fee : A Monthly Fee will apply to your account beginning on the XX/XX/year> billing cycle.Monthly Fee {$100.00} annually ( billed monthly at {$8.00} ) We are changing the Variable Rate calculation by increasing the margin. Under the " Rate and Fee Summary section, the following terms will replace the current language : Old interest rate : 35.99 % New Interest rate : U.S. Prime Rate 7.5 % Plus Margin of 35.99 %. 
* * * * * * * * So they are raising my interest rate from 36 % to 43.5 %, on someone who has never missed a payment. This is unconscionable. 

Note : There is a charge on my account that says " Overlimit - declined ''. Overlimit is not a company. To my knowledge I did not make a charge that would have put me over the limit ( it's possible I'm wrong ), but it strikes me as shady that they don't even name the merchant at which I supposedly tried to go over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission 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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Account NCB Management Services XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # as soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX {$10000.00} XXXX XXXX  XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$620.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX {$10000.00} XXXX XXXX  XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$620.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
There as been a situation of Identity theft and I have tried to resolve this in a very polite way by reporting to all parties involved but for some reasons some of this account were removed and some wasn't removed. According to 15 US code 1681b Permissible Purpose of consumer reports, I do not give any permission for this fake account to be reported on Consumer reported. 


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 non-monetary relief
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
There as been a situation of Identity theft and I have tried to resolve this in a very polite way by reporting to all parties involved but for some reasons some of this account were removed and some wasn't removed. According to 15 US code 1681b Permissible Purpose of consumer reports, I do not give any permission for this fake account to be reported on Consumer reported. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Nelnet had a data breach in XX/XX/year>. 
Data breach happened and a lot of my information was compromised. I am a victim of Identity Theft. Fraudulent information is appearing on my credit report.

Company response to consumer: Closed with explanation