vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Experian continues reporting XXXX XXXX despite : 1 ) Charged-off balance not zeroed ( {$1800.00} vs. {$0.00} required by XXXX XXXX XXXX ) XXXX ) " Highest balance {$0.00} '' contradicts " Original balance {$1200.00} '' ( data corruption ) 3 ) Last activity XX/XX/year> ( potentially past XXXX FCRA limit ) I submitted a dispute to Experian today ( see attached proof ). Demand immediate deletion and investigation into their verification practices.

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 2025-04-19 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: MI

Complaint narrative:
I have disputed multiple time with XXXX equifax and XXXX about accounts that are to old to be on report ( and still did not remove ). disputed report under fdcpa codes, asked reporting agencies to verify debt along with creditors but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
I have disputed multiple time with XXXX XXXXXXXX  and experian about accounts that are to old to be on report ( and still did not remove ). disputed report under fdcpa codes, asked reporting agencies to verify debt along with creditors but to no avail.

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent money to my sister XXXX in the amount of {$220.00} via XXXX This was for XXXX dinner. When I pressed send, the transaction confirmation said sent to XXXX XXXX. I have no idea who this person is and it appears someone accessed my bank account fraudulently. NEITHER XXXX OR JPMORGANCHASE asked me to confirm the RECEIVING recipient prior to sending, such as the last 4 digits OF THE RECEIPIENTS PHONE NUMBER. I immediately contacted JP morgan chase and reported fraud. They said it's not fraud and there is nothing they can do. XXXX said it's not there issue, it's JP morgan chase issue. 
A huge banking institution offers a service to their consumers with no safe guards. This is negligent. This money was also used for XXXX a XXXX holiday which they are not considering. This appears to be discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: RI

Complaint narrative:
First off it starts account open XX/XX/XXXX but 1st delinquent XX/XX/XXXX?? Second this charge does not belong to me. Im a identity theft victim therefore there are steps that have to be taken in order for me to obtain credit and I know that never occurred because this is not my charge I've asked to show me proof they confirmed my identity and none have been produced to me.. I've tried several times to dispute this..

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX ( Original Creditor : CONSOLIDATED DIRECT LOANS ) # XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : CONSOLIDATED DIRECT LOANS ) # XXXX XX/XX/XXXX -- {$38000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I have received multiple emails from Transworld Systems inc. for {$30.00} of debt starting in XXXX of 2025. There is no email to contact the company to try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: WV

Complaint narrative:
I called to get holds released on 2 transactions that have cleared my account and was told no the hold can stay up to 30 days. 

Hold XX/XX/year> XXXX for {$66.00} Cleared XX/XX/year> for {$63.00} Hold XX/XX/year> XXXX for {$62.00} Cleared XX/XX/year> for {$60.00} Asked to speak with supervisor and was told by the representative she was already communicating with her. I was told my funds would not be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
They sent me a letter and said that I was doing some freeman style dispute. I have no idea what that is. All I know is that they never loaned me any money. They never transferred their own money sent it to me and I use their money to buy a vehicle that never happened. I also asked them to produce a wet ink signature, a copy of a wet ink signature even a photograph copy of it if they didnt want to handover The original copy and they did not send it. They completely ignore that. I also requested any and all information in regards to securitization or monetization of my name or account that was created to no avail.

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 2025-04-19 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:
They sent me a letter and said that I was doing some XXXX XXXX  dispute. I have no idea what that is. All I know is that they never loaned me any money. They never transferred their own money sent it to me and I use their money to buy a vehicle that never happened. I also asked them to produce a wet ink signature, a copy of a wet ink signature even a photograph copy of it if they didnt want to handover The original copy and they did not send it. They completely ignore that. I also requested any and all information in regards to securitization or monetization of my name or account that was created to no avail.

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 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Volvo Car Financial Services U.S., LLC
State: MA

Complaint narrative:
I am filing this complaint against Volvo Car Financial Services regarding an improper vehicle repossession and inaccurate credit reporting. 
On XX/XX/year>, XXXX repossessed my vehicle without providing the legally required 21-day written notice, as required under Massachusetts law XXXX I never received this notice, and despite multiple requests, Volvo has not provided any proof that it was sent. Without this notice, I believe the repossession was unlawful.

In addition, Volvo reported to the credit bureaus that I was four payments past due, but this is factually inaccurate. My monthly payment was {$600.00}, and as of XX/XX/XXXX, my total amount due was {$2000.00}, which included late fees. That amount reflects fewer than four missed payments. Volvos inaccurate reporting has significantly damaged my credit. 
I made payments in XXXX, XXXX, and XXXX and have bank statements to prove it. I requested a full account history and offered to provide documentation of these payments, but Volvo has not responded to those requests. 
Furthermore, my XXXX payment was due on XX/XX/XXXX, and my car was repossessed just two days lateron XX/XX/XXXX. I received no notice or warning, and I believe this timing was unfair and may violate lender grace period norms. 
After repossession, I was told I had until XX/XX/XXXX to pay over {$25000.00} to reinstate the loan. This demand was unreasonably high, especially given the dispute about how far behind I truly was. 
I am asking the CFPB to investigate this case. I want : The repossession and delinquency removed from my credit report, A correct and transparent account history, And confirmation that Volvo followed all required legal procedures.

My phone conversations with Volvo were recorded, and I have evidence of my bank account debits to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting a formal complaint against Bank of America for mishandling my credit card account, which was closed due to a payment processing failure on their end. I had set up two automatic payments for my account : {$300.00} from my XXXX Bank account and {$100.00} from my XXXX account. While the {$100.00} payment from XXXX was processed correctly, the {$300.00} payment from XXXX Bank was never withdrawn, despite receiving confirmation emails from Bank of America each month stating that both payments were successfully set up. 

Unfortunately, due to no alerts or notifications from Bank of America, I was unaware of this issue until my account was marked as late, subsequently closed, and negative information was reported to credit bureaus. This situation led to significant damage to my credit report and ultimately caused me to lose a job opportunity. I have faced financial hardship and emotional distress as a result of this mistake. 

In an effort to resolve the issue, I took multiple steps, including contacting Bank of America on several occasions. However, my case was mishandled by multiple representatives. It wasnt until I filed a formal complaint that I was contacted by a representative, XXXX XXXX, who identified himself as the highest level of contact for my issue. Only then did I begin receiving proper notifications regarding the payment failures. 

I have attached a detailed letter outlining exactly what happened, including the steps I have already taken to resolve this issue and the impact it has had on my life.

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 2025-04-19 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: NJ

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX ( Original Creditor : CONSOLIDATED DIRECT LOANS ) # XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : CONSOLIDATED DIRECT LOANS ) # XXXX XX/XX/XXXX -- {$38000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On or around XX/XX/2025, I reported an unauthorized charges from XXXX to my Navy Federal credit card. I do not have a XXXX account, never authorized this transaction, and received no goods or services. 

My bank acknowledged the dispute but provided no resolution updates in the portal. I was informed that a denial was sent by mail, but I have not received it as of today. I requested documentation of the investigation, including : The merchant evidence used to justify the denial, A written explanation of the outcome, And compliance with federal credit card dispute regulations. 

Despite these requests, the bank has not made any information accessible or visible in the online portal and has offered no immediate support. Just a denial of funds. This delay and lack of transparency may violate Truth in Lending Act regulations ( Regulation Z 12 CFR 1026.13 ), which requires : A prompt investigation, Written notice of the outcome, And the right to review supporting documentation.

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 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-04-19 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: MD

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I requested XXXX to apply my tax exempt to my account and they refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-19 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: WI

Complaint narrative:
Line of Credit account fraudulantly opened in my name on XX/XX/year> with XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX {$450.00}. credit limit I did not open this account This company does not have a listed phone number and it has been impossible to get anywhere on their website This matter has been taken up with a fraud restoration company

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$10000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$7500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$13000.00} XXXX

Company response to consumer: Closed with non-monetary relief