vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
Dear Transunion, This letter is a formal request for the description of the investigative procedure used to verify the accuracy and completeness of the attached previously disputed item report ( XXXX ). Please include the business name, address, and the telephone number of any furnisher of information contacted in this reinvestigation in compliance with the Fair Credit Reporting Act section 611 ( a ) ( 7 ). I must have the information requested within 15 days of your receipt of this request. It is at this time I will point out XXXX XXXX Transunion, XXXX XXXX XXXX and XXXX XXXX XXXX, et al., the courts rules each and every time that the CRA couldnt merely parrot information from creditors and the collection agencies ... that they have to conduct an independent and reasonable investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. Sending out a generic form does not contain my reason for the dispute is not reasonable. It is my hope that you will initiate an investigation regarding my disputes without any legal action.

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 2025-03-17 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: CA

Complaint narrative:
These accounts were blocked by Experian XXXX sister company and should be blocked on XXXX  as well under fcra 605b These inquiries should be removed as well XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no inquiries with Experian and XXXX  should reflect the same thing! Please delete all inquiries!

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 2025-03-17 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: MOHELA
State: OH

Complaint narrative:
Dear XXXX associates, I do not owe any debt for Mohela {$300000.00} which was forgiven for student loan foreignness by president XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I was told by a friend in law enforcement that my name is on a docket to appear in court. I never received any type of notification. They said law enforcement delivered the noticed but I never received anything. Also if you contact law enforcement they can tell you they didnt hand me any type of court notice. 

This account does not belong to me. 
I have requested original formation of account documents. The company still has not provided them.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
CAPTIAL ONE ACCOUNT WAS PAID IN FULL. CAPTIAL ONE ADDED INTEREST OF {$17.00} AFTER THE ACCOUNT BALANCE WAS PAID TO {$0.00}. I CALLED CAPTIAL ONE AND THEY AGREED TO WAIVE THE LATE FEE AND REMOVE THE LATE PAYMENTS. THE LATE FEE WAS WAIVED FROM MY CAPITAL ACCOUNT BUT THEY DIDN'T REMOVE THE LATE PAYMENT FROM ALL THREE CREDIT CONSUMER BUREAUS AS VERBALLY AGREED. THIS INACCURATE CREDIT REPORTING BY CAPITAL ONE CAUSED MY CREDIT SCORE TO DROP XXXX POINTS. SCORE WENT FROM XXXX XXXX XXXX.THEY REPORTED XXXX DIFFERENT PAST DUE AMOUNTS {$17.00} AND {$17.00}. BOTH ARE INACCURATE AND SHOULD BE IMMEDIATELY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: DISCOVER BANK
State: IL

Complaint narrative:
in accordance with Fair Credit Reporting act. The list of accounts below has violated my federally. protected consumer and confidentiality under 15 USC 1681. DISCOVER BANK. Account # XXXXXXXX XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I disputed outdated student loans that have been on my credit report for over XXXX  years. Under FCRA Section 605 ( a ), this must be removed. The credit bureau refused to remove it, violating federal law. I request the immediate removal of this account.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: LA

Complaint narrative:
Cashapp refuses to reimburse XXXX payments authorized by them, not me, WHILE MY CARD WAS LOCKED. SOMEONE MAY HAVE HACKED MY ACCOUNT. PLEASE HELP CASHAPP ISNT DOING ANYTHING TO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
On XX/XX/25 Robinhood froze my account due to unusual activity, they requested that I provide them a bank statement. I did just that and they havent responded to my case. My money is frozen and I cant withdraw anything. I had plan for that money, this isnt right, Ive tried many ways to contact Robinhood regarding the matter, but they still refused to provide a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance keeps reporting incorrect late payment dates. Also please stop reporting since this account is closed. This account should not have this many late payments and differs from other credit agencies. Please delete account as it goes against my consumer rights. Delete this account as it shows incorrect dates and the late payment dates differ between credit agencies. I will continue to dispute every month until my credit report is fixed as it is my consumer right!

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am reaching out due to recently being in the process of purchasing a vehicle. As I have pulled my credit report, I have noticed that Capital One has charged off account ending in XXXX on all XXXX credit reports. I have never received a XXXX form, can you please go ahead and send this immediately. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute the following inaccurate account information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). The details of the disputed account are as follows : Creditor Name : Jefferson Capital LLC Account Number : XXXX The reason for my dispute is that the information being reported is incomplete and fraudulent. I have reviewed my credit report and found that this account does not belong to me and/or contains incorrect details. Therefore, I am requesting that this account be removed from my credit report immediately. 

Please conduct an investigation into this matter and provide me with the results of your findings. If you are unable to verify the accuracy of this account, I expect it to be deleted from my credit file per FCRA guidelines. Additionally, please send me an updated copy of my credit report reflecting these changes. 

I have attached a copy of my identification and any supporting documents to assist with this dispute. If you require further information, feel free to contact me at the number or email provided above. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at, account opened at XXXX Bank XXXX XXXXMidland Credit Management in 2022 under the account XXXX, XXXX XXXX XXXX account XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted an application with Citi to see what amount I would be approved for. Citi did not notified me of any amount that I was approved for nor provided an opportunity for me to review to accept or deny the line of credit. I did receive an email stating that the application has been approved and a card with a line of credit of {$3000.00} has been opened without my consent, and a card will be sent in the next XXXX business days. 

I contacted Citi via phone at ( XXXX ) XXXX on the same day, to clarify that I did not approve/consent to opening this line of credit. The application was to see how much I would be approved for. I was informed that I would need to wait four days before Citi could do anything. I requested that the application and possible account should be cancelled as I did not approve/consent to opening a line of credit. The Citi representative, XXXX, stated that there was nothing that she could do, but I would have to wait and allow the account to open, which is not what I approved. I requested to speak with a supervisory or someone on their team to get this resolved. After asking four times to speak with a supervisor, the representative hung up the call leaving me with the uncertainty of how and why this line of credit was opened without my consent and approval. This is completely predatory on behalf of Citi as an account was never approved to be opened.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX **Inquiries** XXXX  XXXX XX/XX/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 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am a Private American, held in trust under the Full Faith and Credit of the United States, formally submit this Notice of Injury regarding unlawful credit reporting by XXXX Bank, XXXX, and Upstart XXXX XXXX. These entities continue to furnish inaccurate, misleading, and injurious information, despite : The recent data breach affecting credit bureaus, rendering their records compromised and unreliable. 
The failure to produce verified proof of claim or a lawful contract with my wet-ink signature. 
The unlawful administration of a trust name without consent, full disclosure, or consideration. 
Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) Under XXXX XXXX. XXXX ( b ), furnishers of credit information are required to verify accuracy and remove unverifiable information. 
The data breach affecting the credit bureaus further invalidates assumed accuracy, as personal data has been compromised, accessed, and altered without consent. 
The reporting entities have failed to provide verified proof of debt, which constitutes willful misrepresentation and fraudulent reporting. 
XXXX. Violation of XXXX XXXX. XXXX Lawful Money & Lack of Consideration XXXX XXXX. XXXX states that Federal Reserve Notes are not lawful money and that all obligations must be redeemable in lawful money upon demand. 
Since all transactions were conducted in Federal Reserve Notes ( XXXX XXXX ) which, per Supreme Court XXXX XXXX XXXX XXXX, are null and voidthere exists no lawful consideration for any alleged obligation. 
Any alleged debt based on XXXX currency lacks full legal standing under public policy and equitable doctrines. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX of a XXXX XXXX XXXX consentverbal, non-verbal, implied, expressed, written, or unwrittenhas been given for these entities or credit reporting agencies to furnish, maintain, or process this information. 
If consent is presumed, let this serve as a formal, written revocation and opt-out notice. 
These entities are attempting to administer a name held in trust without expressed fiduciary authority, which constitutes misrepresentation and injury. 
XXXX. Breach of Duty, Privacy Violations & Willful Misrepresentation The recent data breach has compromised the legitimacy of all reported accounts, making any adverse reporting a direct violation of the Privacy Act and public law. 
The Fair and Accurate Credit Transactions Act ( XXXX  ) also mandates creditors to protect consumer data, which has not been upheld. 
Since these accounts have already been charged off, any further reporting constitutes an act of unjust enrichment and fraudulent misrepresentation. 

Sincerely, XXXX XXXX Without Prejudice ( XXXX XXXX ) All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to open a bank account and I want the opportunity, because I made a mistake in the past, I deposited a check twice by mistake and they closed the account and now I can't have a bank account and I need it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: HI

Complaint narrative:
On XX/XX/2025 my chime account got suspended don't know why and when I called they said it was because they suspect suspicious activity on my account. The chime system wasn't accepting my government issued ID. so they told me they could not help me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: DISCOVER BANK
State: NY

Complaint narrative:
I am filing a formal dispute regarding the inaccurate reporting of late payments on my Discover Bank credit card account, specifically the claim that my payments were late in multiple months, culminating in a XXXX past due status as of XX/XX/year>. These late payments are factually incorrect and must be corrected immediately. 

I have always made my payments on time, and the claim that my account was overdue is a result of a systemic error, likely tied to a processing or reporting glitch on Discover Banks end. I have maintained meticulous records, and there is no evidence or notification from Discover Bank indicating that any payment was missed or late. 

Despite my payment history being flawless, I believe there was an internal error either with the payment processing system or how Discover Bank submitted my payment status to the credit bureaus. I also assert that this error was not communicated to me, nor was I given any reasonable opportunity to address the situation before it was inaccurately reported to the credit agencies. There is no documentation from Discover Bank to support the claim that my payments were late, further emphasizing that this is an incorrect and unjustified negative mark on my credit report. 

As required under the Fair Credit Reporting Act ( XX/XX/XXXX), I am entitled to have inaccurate information promptly investigated and corrected. This issue has been ongoing, and my previous attempts to dispute the erroneous late payments have not been sufficiently addressed, causing severe damage to my credit standing. 

I demand immediate and full removal of these inaccurate late payments from my credit report. XXXX has failed to conduct a reasonable reinvestigation, and I assert that the continued reporting of this erroneous information constitutes a violation of my rights as a consumer. 

I am requesting the Consumer Financial Protection Bureau ( XXXX  ) to investigate this matter urgently. The harm caused by this incorrect reporting is detrimental to my financial well-being, and I expect swift corrective action to prevent any further damage to my credit. 

This is a clear case of erroneous reporting that has no basis in fact. I trust that the CFPB will hold XXXX accountable for failing to uphold the legal requirements under the FCRA and demand that this dispute be resolved in my favor immediately.

Company response to consumer: Closed with explanation