vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: WV

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 2025-04-10 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: WV

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Complaint Against XXXXXXXX XXXX Inaccurate Charge-Off Reported to ChexSystems Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against XXXXXXXX XXXX for its mishandling of my account and for inaccurately reporting a charge-off to ChexSystems, which has XXXX impacted my financial standing for more than XXXX years. 

The complaint pertains to XXXXXXXX XXXX account number XXXX. On XX/XX/XXXX, I visited the XXXXXXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX, OH XXXX after discovering my account was showing a negative balance. I made a deposit through the drive-through teller, but the funds were mistakenly deposited into the wrong account. Despite bringing this issue to the attention of the branch manager, XXXX XXXX, who assured me it would be resolved, the issue was never corrected. 

As a result of this error, the account was closed and a charge-off was wrongly reported to ChexSystems. The issue stemmed from the failure of XXXXXXXX XXXX employee XXXX XXXX, who did not credit the funds to the correct account before it was closed. Despite this being an internal error by the bank, the charge-off remains listed as settled on my ChexSystems report XXXX which is inaccurate and unfair. 

I have attached supporting documentation, including communication records and a copy of the ChexSystems report. This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires financial institutions to report only accurate and substantiated information. XXXXXXXX XXXX has failed to fulfill this obligation, and this has caused ongoing harm to my financial credibility. 

I respectfully request that the CFPB investigate this matter and take appropriate regulatory action to : Require XXXX XXXX  to immediately correct and remove the inaccurate charge-off from ChexSystems. 

Ensure XXXXXXXX XXXX updates its internal practices to prevent further incidents of misreporting due to staff errors. 

Provide me with written confirmation of the resolution. 

If this matter is not addressed in a timely manner, I will also pursue complaints with the Office of the Comptroller of the Currency ( OCC ), and consider legal remedies to recover damages incurred due to this false reporting.

I request a response within 10 business days from the date of this complaint. I am available to provide any additional documentation or information needed to assist with this investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Inquiries in Dispute XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Inquiries in Dispute XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Addendum to complaint XXXX. All complaints within that document remain. Goldman Sachs continues to be reckless with our money and has yet to deliver ANY of the promised funds from our account ( s ). There are two important updates to note : -Despite Marcus by GS assuring us ( even via email confirmation ) that they were closing all XXXX our accounts, we received a call Friday XXXX from GS. Husband returned call and was informed that the CD accounts were NOT closed. Husband was on phone with GS for 2 HOURS and transferred to SEVEN agents to close accounts that were already supposed to be closed. We have not received the funds yet, to the sum of tens of thousands of dollars. 
-GS sent a check for our third account, the savings account that we closed. THE CHECK BOUNCED. We therefore do NOT have the money yet. 

The disregard for their customers ' financial safety and security is astonishing. We have spent COUNTLESS hours on the phone with GS only to have to repeat everything over and over and then have everything done incorrectly anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-04-10 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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.

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 2025-04-10 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Acct # XXXX Acct # XXXX Acct # XXXX These accounts are not showing maximum possible accuracy according to 15 USC 1681e ( b ) the open, last active is not accurate and should be deleted immediately for violation of 15 USC 1681e ( b ). 

I requested this from experian.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> I mailed a check payment to Chase Bank for my due date on XX/XX/year>. 
Check # XXXX in the amount of {$170.00} was mailed via USPS. On XX/XX/year> I used the credit card at a merchant and the card was denied. 
I immediately called Chase Bank to find out why the card was denied. The customer service representative informed me that they didn't receive the payment. I immediately did an electronic transfer for the entire amount that I owed. I called my bank and put a stop payment on the check. I assumed it was lost in the mail, or possibly lost by Chase Bank. I have had this credit card for exactly 24 years. In those 24 years I have never missed or been late in a payment. This was the first time. 
The XXXX statement has arrived and there is a whole page telling me my interest rate of 20.24 % is being raised on XX/XX/year> to 27.99 % because I missed a payment. 
I have called Chase Bank about this but they don't care. Actually they were extremely rude about it. 
I received a letter from Chase Bank telling me I missed a payment and that they were going ahead with the interest rate increase. Chase Bank Cardmember services XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-04-10 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
This account was disputed multiple times. Company was contacted by phone XX/XX/XXXX, XXXX, and XXXX. As well as via fax I am writing to formally dispute the reporting of XXXX XXXX XXXX  account # XXXX as a collection account on my credit report. This reporting occurred while I was on XXXX XXXX and XXXX, in violation of my rights under the Servicemembers Civil Relief Act ( SCRA ).

Under the SCRA ( 50 U.S.C. 3937 ), active-duty servicemembers are entitled to specific protections from adverse financial actions, including negative credit reporting and collections. Reporting this account with a balance of {$1100.00} as a collection while I was XXXX - without verifying my military status or obtaining a court order- is a clear violation of this federal law. 
This inaccurate reporting has significantly harmed my credit and is currently preventing me from purchasing a home. I am requesting the immediate and permanent deletion of this account from all major credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion, I am writing to formally dispute the issuance of IRS Form 1099-C ( Cancellation of Debt ) that I did not receive from your company or XXXX XXXX account XXXX ( Last XXXX # XXXX ). This form was improperly filed, and I demand immediate correction due to the following reasons : No Valid Debt Cancellation Occurred I never received a legally valid debt cancellation notice, nor was there any agreement or settlement indicating that the debt was forgiven. 

Debt Was Not Legally Discharged The debt remains [ outstanding/disputed/not legally canceled ], and no actual cancellation of debt took place as required by IRS Publication 4681 and 26 U.S. Code 6050P.

Failure to Provide Proper Notice Under IRC 6050P, creditors must issue a 1099-C only when a debt is truly canceled. I have not received any written confirmation of debt discharge, nor was I given the opportunity to dispute this action.

Credit Reporting Implications If this erroneous 1099-C has been reported to credit bureaus, it has negatively impacted my credit profile in violation of the Fair Credit Reporting Act ( FCRA ).

Requested Actions : Immediately rescind the erroneous 1099-C submitted to the IRS.

Provide me with written confirmation that the 1099-C has been withdrawn and corrected.

If this debt was inaccurately reported to credit bureaus, correct or delete the entry within 30 days.

Under IRS rules, you are required to file a corrected 1099-C ( if applicable ) or issue a withdrawal if the original filing was in error. Failure to correct this may result in legal action under IRS dispute procedures and consumer protection laws.

Please respond in writing within 30 days confirming the resolution. If I do not receive a response, I will escalate this matter to the IRS, Consumer Financial Protection Bureau ( CFPB ), and relevant state authorities. 

Sincerely, 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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, I accepted a written settlement offer from Capital One Auto Finance to pay off my XXXX XXXX XXXX and receive the title. I followed up in writing and by phone, explaining my temporary unemployment and requesting a short time to raise the funds. Despite this, my vehicle was repossessed without warning on XX/XX/XXXX. I retrieved my belongings and returned the keys. I later received a notice that I may be liable for a deficiency balance. I sent two letters requesting clarification but received no response. I believe the company failed to honor our agreement or communicate in good faith.

Company response to consumer: Closed with explanation