vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
A Credit Agency Amsher Collection Services has just opened an account under my name for {$140.00}. The account shown is XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL, XXXX. There is no phone number attached to this. I have no way of contacting them. This has lowered my beacon score by XXXX points at a time I am trying to buy a new home. This account is fraudulent. I have maintained a near perfect credit score and would not have jeopardized my credit over {$140.00}, if I owed it to anyone! I could use you help in this matter. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is in reference to previous complaint XXXX As per the statements that i finally received there was an an unauthorized transaction on XX/XX/year>25 from account ending XXXX in the amount of {$1100.00}. 

As Citibank had removed my access to all of my accounts via all means as of XX/XX/XXXX, The transaction in question occurred on XX/XX/XXXX that states " other Debit '' for {$1100.00}. This transaction was NOT made or authorized by me, nor i am aware of what this transaction is. This is a fraudulent transaction made by financial institution. 

I request a return of all my funds at this point the amount owed 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 monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-11 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: TX

Complaint narrative:
Subject : Complaint Regarding Unauthorized Access and Disclosure of Student Loan Information- Violation of 20 U.S.Code 1232G ( FERPA ) To Whom It may Concern, I am submitting this formal complaint concerning the unauthorized access and potential disclosure of my student loan records in violation of federal privacy Act, specifically 20 U.S. Code 1232g, the Family Educational Rights and Privacy Act ( FERPA ). I have reason to believe that on or about XXXX 7,2025 XXXX XXXX, or someone acting on his behalf, obtained access to my federally held student loan data without my knowledge, consent, or any lawful justification. This breach of privacy involves information protected under FERPA, which governs the confidentiality of education records and prohibits any institution or agency receiving federal funds- including those under the XXXX Department of Education XXXX from disclosing personal identifiable information without the written consent of the XXXX To date, I have not received any documentation or notice authorizing such access. This activity is deeply concerning and appears to violate not only FERPA but also general consumer privacy protections including the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) Experian has also placed 90-120 in late payments on my account without properly receiving notice that I was late on any payments and for the past 4 months it has shown that I have been in Excellent standing with my loans. There are a total of 20 accounts that I am disputing. all 20 of these accounts are reporting delinquent all in a matter of one day. I have reason to believe that Experian has violated my rights under 18. U.S. Code 894 Collections of Extensions of Credit by XXXX XXXX. Specifically Experian is reporting information on my credit file in a way that has severely damaged my personal and professional reputation. This reporting is being used directly or indirectly as a means to pressure me into repayment of a unverifiable debt The nature of the reporting has caused me emotional XXXX and created legitimate fear regarding my financial future, employment opportunities, an access to housing and credit. Under 18 U.S.code 894 It is unlawful for any party to knowingly participate in the use of extortionate means, including the threat of reputational harm, to collect or attempt to collect a debt. I believe Experian actions and refusal to properly validate the alleged debt have resulted in the use of intimidation and coercion -- if not explicitly, then in effect.

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 2025-04-11 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for reinserting a fraudulent JPMCB ( Chase ) credit card account without providing proper notice as required under the FCRA ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

This account has already been blocked under FCRA Section 605B for identity theft. I submitted the necessary identity theft report and supporting documentation. XXXX reinsertion of this account is a violation of federal law. 

Additionally, I am including a formal dispute letter addressed to XXXX and JPMCB. All other bureaus have honored the block request. XXXX is the only bureau improperly reporting the reinserted account. 

I am also requesting enforcement action against JPMCB for continuing to report a fraudulent charge-off account for which I have submitted identity theft documentation and requested a block. 

Please see the attached letter for full documentation and legal citations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: 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. 
Account name : XXXX XXXX XXXX, ACCOUNT number # 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 generallf, 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 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-11 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-11 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: 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint against Online Information Services, a debt collection agency that has wrongfully reported a negative item to all three major credit reporting agencies. Despite my clear communication and supporting documents, this company continues to mishandle the matter and damage my credit profile. 

The original debt in question was from XXXX, a utility company. However, this debt did not belong to me as the landlord, but rather to a former tenant who failed to pay their utility bills. Upon receiving my dispute and supporting documentation, XXXX acknowledged the error and removed the debt, marking it as written off and confirming it did not belong to me. 

Despite this, Online Information Services reported this as a collections account on my credit report. I sent them a cease and desist letter informing them of the error and requesting removal of the false remark. Two of the three credit bureaus have since removed the false reporting after I submitted proof, but Online Information Services continues to maintain the negative remark with at least one bureau.

When I called their office, they told me it would take 30 days to provide any supporting documentsdespite having no valid reason to report the debt in the first place. This delay tactic is unjustified and harmful. 

Desired Outcome : Immediate removal of the incorrect negative remark from all three credit reporting agencies. 

A formal investigation into Online Information Services and their debt collection practices. 

Revocation or suspension of their license if they are found violating the Fair Credit Reporting Act ( FCRA ) and/or Fair Debt Collection Practices Act ( FDCPA ). 

Stronger regulations requiring debt collectors to verify address, name, and responsible party before filing any remark on a consumers credit report. 

This experience has caused significant distress and potential financial harm. I urge your office to take serious action to hold Online Information Services accountable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
TransUnion reports unverified XXXX XXXX XXXX data ( {$460.00}, XXXX XXXX XXXX ) despite my disputeXXXX deleted it as unverified ; TransUnion wont , violating 15 U.S.C. 1681e ( b ) accuracy. I demanded validationno signed note exists, possibly securitized. FRNs ( 18 U.S.C. 8 ) redeemed ( 12 U.S.C. 411 ) shift to Treasury ( 50 U.S.C. 4305 ( b ) ( 2 ) ), acquitting liability ( 31 U.S.C. 5118 ). Banks lent credit, not money ( XXXX, 135 Ga. 614 ). XXXX failed to validate ( 15 U.S.C. 1692g ) ; TransUnion keeps invalid data despite California law banning unverified info ( 1798.145 ). Delete now.

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 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX, 2024 I accidently made a payment to my husband 's Home Depot credit card that did not have a balance on it. His name is on the card, his last name is different than mine. By the time I realized my mistake it was too late to cancel the payment. I called the number on the back of the card and was told that there was not an account with that number. I have the card with the number. The card is issued by Citi Bank. I was given an address to write to and I included a copy of the card and the card number. They still say there is no account with that number. The money, XXXX, was taken out of our checking account and my bank said that they can't do anything about it.

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 monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have requested proof of debt after requesting proof of debt I have not heard from them until I received a judgment notice letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax & Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.

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 2025-04-11 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: WA

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 2025-04-11 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:
My credit report shows {$18000.00}. in collections and this information is not accurate. I want all collections deleted from my credit report and all accounts closed removed from my credit report as they dont reflect the truth and are affecting my credit scores, preventing me from obtaining fair interest rates and necessary credit from my daily 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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After Capital One lowered my credit limit on my card ending XXXX I called to cancel the card and they refuse to close the account unless I agreed that after the account was closed any returns would not be processed. XXXX told me Capital one 's policy is they will only process returns on an open account. 

So if I'm a victim of fraud on a closed accounts Capital One for perpetuate the fraud they are acting illegally. Capital One needs to process returns purchased or pending on an open Capital One credit card account and send the closed account holder a check or other Financial reimbursement. 

I was forced to agree to those terms in order for them to close the account otherwise they would not close the account. I told Capital One I believe they are operating illegally with this policy and with contact the cfpb which I am doing now immediately after the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

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 2025-04-11 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: AL

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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brock & Scott, PLLC
State: AL

Complaint narrative:
These people are now calling my XXXX  parents bugging them.

Company response to consumer: Closed with explanation