vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Address of XXXX XXXX XXXX ] Subject : Cease and Desist Communication Regarding Debt Dear XXXX XXXX XXXX, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease and desist all communication with me regarding any alleged debts associated with your company or third-party entities, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You are hereby notified that : 1. All oral and written communication regarding these debts must stop immediately.

2. Any further contact will result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the XXXX Attorney General 's Office. Civil claims may also be pursued. 

Additionally, my employer prohibits contact at my workplace. You must refrain from all communications directed to my workplace in any form. 

If you believe these debts are valid, you are required to provide written confirmation to my address listed above within 30 days of receipt of this letter. Failure to comply will result in legal action without further notice. 

Thank you for your cooperation in this matter. 

Sincerely, 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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a victim of a data breach in the past. A year ago, I had an issue where Chase was setting up a checking account via a fraud agent. I was notified of the issue due to credit alert reporting services that I use. I contacted Chase and the XXXX Credit reporting agencies as quickly as I could ; closed the account moments after it was opened, created a fraud alert for my social, and requested that CHASE put me on the opt-out list as I would NEVER do business with them in the future. I was assured this was completed. On XX/XX/year> I received an alert for a XXXX XXXX on my credit. I looked into the report and noticed it was again JPMCB Card ( Chase card services ) that was attempting to create a card account under my social. I never removed my Fraud Alert. They NEVER contacted me. I contacted XXXX that day and also contacted Chase. Again, I went through the same wait of verification while demanding I am put on a block list. Fast forward to this morning XX/XX/year>, I receive an alert for another inquiry on my credit from who other than JPMCB Card! On hold with XXXX, then off to call Chase again. I think it's time to speak with a lawyer. I have had absolutely no other issue with any other bank/lender, just CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I wrote Experian, XXXX and XXXX to formally dispute an account that appears on my credit report, which I believe contains inaccurate information. Furthermore, this account was sold to another company without my consent, and I seek your assistance in resolving this matter and ensuring the account is removed from my credit report. 

Inaccurate Reporting : The information related to this account is incorrect. The reported balance and the details of the debt do not reflect my actual financial obligations or payment history with the original creditor. I have not authorized or incurred the reported charges, and I believe there has been a reporting error or miscommunication between the original creditor and the credit reporting agencies.

Unauthorized Sale of Debt : The account was transferred or sold to another company without my knowledge or permission. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to be notified when a debt is sold or transferred to another creditor or collection agency. To date, I have not received any notification or disclosure regarding this transfer, which is a violation of my rights under the law.

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ). According to the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Additionally, Section 1681s-2 ( b ) of the FCRA holds furnishers of information ( i.e., creditors or debt collectors ) accountable for correcting inaccurate data once notified by the consumer.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 ) mandates that I be notified of any sale or transfer of my debt, and I did not receive such a notification in this case. This failure to notify me is an additional violation of my consumer rights.

I respectfully request that the Consumer Financial Protection Bureau investigate this issue, as the account in question contains inaccurate information and was sold without my consent. I ask that you take the necessary steps to have this account removed from my credit report. 

Please let me know if you require any additional information or documentation. I look forward to your prompt response and assistance in ensuring my credit report is corrected.

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 2025-03-31 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: GA

Complaint narrative:
I wrote Experian, XXXX and XXXX to formally dispute an account that appears on my credit report, which I believe contains inaccurate information. Furthermore, this account was sold to another company without my consent, and I seek your assistance in resolving this matter and ensuring the account is removed from my credit report. 

Inaccurate Reporting : The information related to this account is incorrect. The reported balance and the details of the debt do not reflect my actual financial obligations or payment history with the original creditor. I have not authorized or incurred the reported charges, and I believe there has been a reporting error or miscommunication between the original creditor and the credit reporting agencies.

Unauthorized Sale of Debt : The account was transferred or sold to another company without my knowledge or permission. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to be notified when a debt is sold or transferred to another creditor or collection agency. To date, I have not received any notification or disclosure regarding this transfer, which is a violation of my rights under the law.

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ). According to the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Additionally, Section 1681s-2 ( b ) of the FCRA holds furnishers of information ( i.e., creditors or debt collectors ) accountable for correcting inaccurate data once notified by the consumer.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 ) mandates that I be notified of any sale or transfer of my debt, and I did not receive such a notification in this case. This failure to notify me is an additional violation of my consumer rights.

I respectfully request that the Consumer Financial Protection Bureau investigate this issue, as the account in question contains inaccurate information and was sold without my consent. I ask that you take the necessary steps to have this account removed from my credit report. 

Please let me know if you require any additional information or documentation. I look forward to your prompt response and assistance in ensuring my credit report is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
I am very distressed because Experian has failed to provide information within 15 days as required under 15 U.SC. 1681i ( 7 ) which mandates a credit reporting agency provide a consumer a description of the investigation procedure as outlined in paragraph ( 6 ) ( B ) ( iii ), within 15 Days. Instead Experian sent me information that was not pertaining to the specific information that is required that I receive within 15 days after submitting my request.

I submitted my METHOD of VERIFICATION request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I initially submitted the request via CFPB # XXXX on XX/XX/scrub>/2025 and received a general response from Experian in a timeframe that clearly violates the 15 Days required. 
Nothing in the response pertained to the alleged reasonable investigation revealing the procedures used to verify my dispute, nor any of the names, telephone numbers, addresses that I requested under 15 USC 1681 ( 7 ) was sent to me as 15 U.S.C. requires Experian to provide.

Therefore, I am requesting monetary relief ( {$1000.00} ) and I want this aforementioned tradeline to be deleted immediately.

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 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: WV

Complaint narrative:
They closed the account and would not allow me to catch up on payments now they keep reporting late payments and etc. which is not correct at all. The account was closed and charged off by them and I no longer had access to the account to make a payment. The information theyre reporting is false and is hurting my credit.

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 2025-03-31 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX, I applied for a Citi XXXX credit card which offered an initial 21 months balance transfer program. On XX/XX/XXXX, I received a letter from Citi saying that my application had been denied for various reason, i.e., proportion of loan balances to loan amounts is too high ; credit report shows too many recently opened accounts ; balances on 1 or more accounts are too high in relation to credit limits. They further note the information was obtained from XXXX. 

As noted in the screen shots shown in the attached PDF, starting in XX/XX/XXXX, my FICO score has consistently remained above XXXX and in fact, it has risen to XXXX, effective XX/XX/XXXX. 

Based on my FICO score, I dont understand why this application was denied. It almost seems as if Citi is claiming that my credit is so good that I dont need any more credit. 

Please note, I currently have another Citi card called the Citi Double Cash Card, and have always made my payments in full and on time since the account was opened in XXXX. If they would approve the Citi Simplicity application, I would be willing to allocate one-half of my current credit limit of {$11000.00} to the Citi Simplicity card.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The debt collector name is : American Express for the amount of {$40000.00}. i have reached out several times to both XXXX and XXXX advising them that i was a victim of identity theft, i also submitted my FTC report as confirmation and both XXXX and XXXX and also American Express continue to deny my dispute. XXXX did the necessary investigation and deleted the account from my credit report i do not understand why XXXX and XXXX are lacking professionalism. i need CFPB to step in and help me resolve this account by removing it from both XXXX and XXXX. My FTC report number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IN

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 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet applies any extra payments I make first toward interest rather than the entire amount toward the principal. This creates an XXXX/unfair situation where I am not able to reduce the total principal amount that is being charged interest unless I first pay all of the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

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 non-monetary relief
Consumer complaint received 2025-03-31 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Bounce AI, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX date : XX/XX/year> To : consumer financial protection bureau XXXX XXXX XXXX XXXXXX/XX/XXXX DC XXXX Subject : Dispute of Inaccurate Information under FCRA Section 1681o Dear consumer financial protection bureau, I am writing to formally dispute inaccurate information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 1681o, which addresses civil liability for negligent noncompliance, I am requesting that you investigate and correct the following inaccurate information : Account Name : bounce Ai Inc Account Number : Description of Error : I have never opened this account. 


I have attached copies of relevant documents that support my claim, including [ mention any documents, such as payment records, identity verification, or correspondence with the creditor ].

Under the FCRA, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I expect it to be removed or corrected immediately.

Failure to comply with these requirements may result in legal action under Section 1681o, which entitles consumers to recover damages resulting from negligent noncompliance with the FCRA.

Please provide a written confirmation of the results of your investigation and send me an updated copy of my credit report.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : proof id Social security card Proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WA

Complaint narrative:
I reviewed my credit report and discovered multiple bankruptcies inaccurately reported. These bankruptcies were not filed by me, and their presence has severely impacted my credit standing. However, upon reaching out to the courts and data furnishers, I was informed that they did not report these bankruptcies to the credit bureaus. This raises concerns about the validity of the verification process. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. Since the credit bureaus have failed to provide proper verification, I request the immediate removal of these inaccurate bankruptcies from my credit report.

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 2025-03-31 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: FL

Complaint narrative:
In my profile there were some hard inquiries that are not mine.

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