vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting XXXX, Equifax, and XXXX  Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-19 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: NC

Complaint narrative:
Experian failed to properly investigate my consumer disputes and failed to remove or prevent the reinsertion of incorrect information on my credit reports. I have received 5 stall letters in 5 months. I also sent my Id, social, and proof address. Experian is ignoring my dispute letters for 5 months. I would like the following accounts deleted from Experian account or credit report. 

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 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 2025-05-19 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: TX

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with legal authority over the property and commercial records tied to this matter. The debt being enforced was previously securitized, released, and lawfully satisfied. Public records show that Nationstar Mortgage LLC ( XXXX Mr. Cooper ), XXXX XXXX and XXXX XXXX XXXX  have acted without standing, using an assignment ( XXXX XXXX XXXX ) signed by an unverified individual ( XXXX XXXX ) without lawful agency.

I have recorded a notarized Affidavit of Title Fraud, a Commercial Fraud Memorandum ( Exhibit M ), and a formal XXXX Amendment and Addendum under XXXX XXXX XXXX XXXXXXXX, establishing my secured interest and detailing the fraudulent activity. 

The mortgage was already XXXX through securitization and reassignment fraud is now being used to attempt foreclosure under false pretense. All parties have received prior notice. No rebuttal has been given. 

I request immediate investigation and intervention. This is a serious matter of commercial fraud, title tampering, and wrongful collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My wife, XXXX, had her employer at the time open up an IRA Account with JP MORGAN CHASE in XXXX. 
We were married in XXXX and never changed her Beneficiary for this IRA. 
In XXXX we closed out this Account and to our surprise at that time CHASE did not transfer some Interest due to it. That left a small amount of money in this Account that CHASE would not allow us to Transfer to her XXXX XXXX IRA. So we left it in the CHASE Account and planned to remove it once XXXX turned XXXX. Sadly my wife passed away in XXXX of XXXX. 
At that time on XX/XX/XXXX I contacted my local CHASE Branch in XXXXXXXX XXXX XXXX and asked that they close out this account. It took them until XX/XX/XXXX to alert me to the fact that CHASE Retirement Department wanted a probate court to issue me a letter of testamentary. And without it they will not release the IRA Funds to me. 
My Local CHASE Branch tried many times to have these funds released to me, but CHASE Retirement Department has refused to do this for me. 
Even though the amount left in my wife 's Account is so little it is the idea that CHASE refuses to grant me my request to access these funds when in the first place it was their error of not fully closing out the Account that pt us in this predicament. 
Please help me out here. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PR

Complaint narrative:
In my credit report of XXXX  I have a report of Jefferson Capital and XXXX, I need make a dispute from this company because I no have account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX  credit report on XXXX  and noticed some things are incomplete and inaccurate. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 general, 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, as required by law, I was not provided with a statement 21 days prior. Therefore, no late payments should be recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau, and my State Attorney General. 

I look forward to your prompt response. 

Sincerely, 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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Complaint : Chase Bank Denied Legitimate Debit Card Dispute Using False Reservation Number I am submitting a complaint against Chase Bank for denying a debit card dispute related to a XXXX XXXX ticket purchase. 

I filed a dispute after XXXX XXXX failed to refund me. Chase denied the claim, stating I was a no-show, but the evidence they used was based on an incorrect reservation number that I did not book. My actual purchase was not investigated correctly. 

XXXX XXXX attempted to process a refund under Refund IDs XXXX and XXXX, but they were unable to do so because of the active dispute with Chase. When the dispute was denied, I was left with no refund and no recourse, despite never receiving service. 

This transaction was made using my Chase debit card, and I believe Chase violated my rights under Regulation E ( Electronic Fund Transfers Act ) by failing to : Investigate my claim properly Use accurate and relevant information Protect me as a consumer in good standing I am requesting that CFPB require Chase to : Reopen the debit card dispute using the correct booking information Provide a full refund Ensure accountability for mishandling this case Transaction details : Date of purchase : [ XX/XX/year> ] Disputed amount : $ [ XXXX ] Chase debit card Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. codes 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accurate of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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, as appropriate, based on the results of the investigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 

Experian XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: FL

Complaint narrative:
Ive been facing numerous medical problems since XXXXXXXX XXXX and was sent off with a medical retirement ( not much ) with a family of XXXX. Ive treated to work part time to pay bills but that didnt work out. Im waiting for SSDI approval due to my medical conditions and I keep receiving calls, emails, and mail from some creditors who wouldnt take my letter from the medical retirement and I do believe I had protection coverage but its whatever now. I was contacted by Jefferson Capital Systems LLC at XXXXXXXX XXXX from XXXX XXXX Jefferson Capital Systems LLC. I screenshotted the XXXX with time and date. Im only human and Im trying to get my credit squared away but receive calls from numbers who never answer after telling them my story and sending my XXXX statement. Its depressing being a young veteran with kids and a wife knowing I can buy a home because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I had fallen victim to a scammer. The loan officer was aware that it was funds for a potential scam but processed the loan regardless. Had she put the brakes on the deal I wouldn't be out XXXX dollars. I was on the phone with the scammer the entire time I was applying for the loan. I was writing down what my situation was with the loan officer so as to not be heard by the scammer and she even said it sounded like a scam. The loan was processed to completion but it appears to be a breach in lending ethics. Reports were made to the XXXX XXXX XXXX XXXX Department and the FTC. My case number with XXXX XXXX XXXX XXXX Department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several in accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the accounts. I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681. 15 U.S.C 1681 section 602 A. States
I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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