vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I contacted Dillards Citibank collections to request a one-time settlement payment for my {$1700.00} balance. XXXX XXXX ( ID XXXX ) initially said only monthly payments were allowed. After requesting a supervisor and waiting on hold for XXXX minutes, she returned saying a one-time payment could be accepted. I offered and paid {$650.00}, confirming multiple times that this would settle the account and paid in full. 

I requested a settlement letter before and after payment and was told one would be sent. After payment was made, she said I would have to call back in XXXX days to request the letter and check my balance. I asked why there would be a balance if it was settled and paid in full and closed, and she had no clear answer. I recorded the call in a video due to concerns of misleading practices. 

My payment confirmation number is : 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 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
" I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: OK

Complaint narrative:
I got a loan for XXXX from credit fresh. I paid back well over XXXX. I think the last I checked it was in the XXXX I reached out to credit fresh to confirm why they were still auto drafting out of my account. I asked for something in writing and I asked what the interest rate was they were not able to provide me an answer. They stated to pay the account off. I would have to pay an additional XXXX almost {$800.00} XXXX told them I have already paid over XXXX. I felt like the company was fraudulent. They wasnt able to give me anything in writing as to why I was still paying for a loan that Ive already paid back. I do have screenshots and bank statements that I have paid well over XXXX to this company. They are reporting that this is a charge off and it is in collection. I have not received anything stating that this is in the collections. Not received anything about this being in collections on my credit report it is showing the collection agency is the company which is credit fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received report that there was an adjustment on my savings account and I was debited {$3700.00}. Reference # XXXX  XXXX. 

I called Chase fraud department and they told me I had to go to the bank in person. I went to my local Chase in XXXX XXXX  and they helped me file a claim with Chase after they made 4 calls to them. They said someone cashed a Treasury check against my account in XXXX  on XX/XX/XXXX and that the Treasury check was for someone that was not even my name, it was a man 's name. I live in XXXX, not XXXX. I called to follow up with Chase on XX/XX/XXXX and XX/XX/XXXX and they are still unable to resolve. 

I was actually previously called by Chase on XX/XX/XXXX as someone withdrew {$400.00} on that day from an ATM in XXXX. I had not and Chase filed a claim and refunded my money and I got a new debit card and reset my pin. Little did I know on the same day the treasury check previously mentioned was cashed against my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: DE

Complaint narrative:
The credit reporting agencies are not reporting accurate information across all three bureaus ( XXXX, Experian, and XXXX  ). XXXX or more bureaus are showing a higher number of total accounts than I actually have. Additionally, there are inaccurate late payments being reported on my credit file, even though I made those payments on time. 

I have reviewed my credit reports and identified discrepancies between the bureaus, including differences in account status, number of open accounts, and payment history. I have reached out to the data furnishers and the credit bureaus to dispute these errors, but the issues have not been fully corrected. These inaccuracies are negatively impacting my credit score and my ability to obtain credit fairly.

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 2025-05-06 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: DE

Complaint narrative:
The credit reporting agencies are not reporting accurate information across all three bureaus ( XXXX XXXX and TransUnion ). XXXX or more bureaus are showing a higher number of total accounts than I actually have. Additionally, there are inaccurate late payments being reported on my credit file, even though I made those payments on time. 

I have reviewed my credit reports and identified discrepancies between the bureaus, including differences in account status, number of open accounts, and payment history. I have reached out to the data furnishers and the credit bureaus to dispute these errors, but the issues have not been fully corrected. These inaccuracies are negatively impacting my credit score and my ability to obtain credit fairly.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The credit reporting agencies are not reporting accurate information across all three bureaus ( Equifax, XXXX, and XXXX ). One or more bureaus are showing a higher number of total accounts than I actually have. Additionally, there are inaccurate late payments being reported on my credit file, even though I made those payments on time.

I have reviewed my credit reports and identified discrepancies between the bureaus, including differences in account status, number of open accounts, and payment history. I have reached out to the data furnishers and the credit bureaus to dispute these errors, but the issues have not been fully corrected. These inaccuracies are negatively impacting my credit score and my ability to obtain credit fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
The accounts status was charged off and the account status on credit reports keeps showing false info and shows the account re opened at times on some of my credit reports and then closed and then re opens affecting my scores and status its simply reporting wrong non stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MS

Complaint narrative:
Equifax is reporting 3 collection accounts from XXXX XXXX XXXX that were added after I sent XXXX timely debt validation and cease and desist letters. 
XXXX has not validated these debts, and they continued to report to Equifax anyway this is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Equifax is responsible for ensuring data furnishers verify disputed debts before reporting. I demand all XXXX accounts be deleted from my XXXX credit report immediately due to lack of verification and continued reporting after cease and desist. 

Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

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 explanation
Consumer complaint received 2025-05-06 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In XX/XX/scrub> 2025, I submitted a formal dispute to XXXX via Certified Mail ( Tracking # XXXX ). The letter included disputes regarding collection accounts being reported by XXXX XXXX XXXX and other furnishers. Along with the dispute, I included all required documentation : a notarized affidavit of identity, photo ID, Social Security card, and a utility bill to confirm my identity and address. 

XXXX acknowledged receipt, yet failed to comply with the Fair Credit Reporting Act ( FCRA ). Rather than providing documented verification of the account ( s ) from the original creditoras required by FCRA 1681i ( a ) ( 1 ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) XXXX  responded with a vague confirmation that the furnishers verified the information, without supplying any supporting documentation. 

Additionally, the data furnisher ( XXXX XXXX XXXX ) directed me to a login portal that showed a balance but explicitly stated No Supporting Documents. No contract, billing history, or legally sufficient proof was provided. According to the FCRA, digital references or internal logs are not valid verification. 

As of XXXX XXXX, 2025, XXXX was confirmed to have received my dispute via certified mail and failed to provide a legally compliant response within the 30-day reinvestigation window. This delay and failure to supply evidence violates multiple sections of the FCRA and undermines my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
b'I have several XXXX   "reward points " on my CHASE credit card. When I called Chase to arrange the application of a portion of my accumulated points I was told that it would take "4 to 6 weeks " to have my points registered with XXXX XXXX. I was trying to make a reservation for a wedding out of country that was taking place in 5 weeks.\nAfter 4 weeks went by I called Chase and  asked where my points were. They told me "your points are still being processed ". I asked when they expected them to be applied and they said they had " no idea". The day after I spoke to Chase I went to the XXXX XXXX  site to see if my points had been applied - they had NOT BUT the price of the flight had DOUBLED !!\nI can\'t afford to pay that much so I called Chase and requested that they cancel the transfer of my points to XXXX XXXX I was transferred to a "supervisor " who told me the was no procedure to cancel a transfer of points once the process was initiated BUT in view of my situation she would make her "best efforts " to retire\x10eve my points but could no promise me a successful result.\nIf you are ONE DAY late in making your monthly credit card payment Chase its with late charges but they think nothing of holding your "reward points " for "4 to t weeks " before getting them applied !! We can send a man to the MOON in "4 to 6 weeks !!\nI ALSO have points with XXXX XXXX and here\'s how they handle travel reward points : you call your airline, make you flight reservation and pay for it with you XXXX XXXX credit card. When you get your next monthly statement you INSTANTLY apply you points to ASLL you "crave " expenses. INSTANTLY for ALL your travel expences.\nMaybe Chase should have XXXX XXXX handle their points.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
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.

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
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
i recently applied for a home equity line of credit with XXXX XXXX  and was denied because of in accurate info on my credit reports ( TRANSUNION EXPERIAN EQUIFAX ) specifically an account from XXXX with a balance of {$1100.00} that does not belong to me and is a result of identity theft and an account from XXXX XXXX that has a XXXX balance which also was created fraudulently and a result of identity theft as well I : ve made complaints with the Federal Trade Commision and the XXXX police dept

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
i recently applied for a home equity line of credit with XXXX XXXX  and was denied because of in accurate info on my credit reports ( TRANSUNION EXPERIAN EQUIFAX ) specifically an account from XXXX with a balance of {$1100.00} that does not belong to me and is a result of identity theft and an account from XXXX XXXX that has a XXXX balance which also was created fraudulently and a result of identity theft as well I : ve made complaints with the Federal Trade Commision and the XXXX police dept

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 2025-05-06 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Kikoff Inc.
State: VA

Complaint narrative:
They wont send me a 1099c or remove off my credit report XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation