vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally file a complaint against Jefferson Capital for failing to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I submitted a request for debt validation, but I never received the necessary documentation verifying the legitimacy of this debt.

Additionally, I disputed this debt with the credit bureaus, but it was never properly investigated, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. Furthermore, furnishers of information, such as Jefferson Capital, have a legal obligation under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any inaccurate or unverified information they report.

Given these violations, I request that the CFPB take appropriate action to ensure that Jefferson Capital complies with federal laws by providing the requested validation or removing the unverified debt from my credit report. I also ask that the credit bureaus conduct a proper investigation as required by law. 

Thank you for your time and assistance in resolving this matter. Please keep me informed of any updates regarding my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I wanted to open XXXX  savings account. 
But, Barclays bank have not been able to open the account because of the XXXX XXXX  of the credit card and bank portal that led to the authentication issues. 

When I tried to open a product called XXXX XXXX account, Barclays XXXX from the customer support informed that Barclays XXXX issues are continuing since last year XXXX and the bank has not been able to fix the login issue for me. This call happened with Barclays customer service on XX/XX/XXXX. Due to not able to fix the login issue, I AM NOT ABLE TO OPEN THE TIERED SAVINGS ACCOUNT. 

Barclays bank has been CONSISTENTLY LYING to customers and wilfully violating the laws by impacting US customers. With me being as the customer not able to open the account is a clear example of Barclays bank violating banking laws of United States. Pls apply fines on this bank for delibrately creating problems of merging user interface and creating problems for their customer with NOT ABLE to open accounts.

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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On or about XXXX XXXX I called TransUnion Credit Bureau about inquiries on my current report that are fraudulently reporting false information on my credit report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA XXXX ( XXXX U.S.C. XXXX ) and XXXX XXXX. XXXX. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXX representative I spoke with basically told me there was nothing they can do about these 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 2025-03-21 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:
My personal information was stolen in XXXX of XXXX XXXXhat included my drivers license, social security card, and birth certificate which I filed a police report in regards to. In connection with these stolen documents a series of fraudulent accounts were opened including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I subsequently updated my original police report to include this information. The accounts listed are all fraudlent and need to be removed immediately.

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 2025-03-21 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:
My personal information was stolen in XXXX of XXXX XXXXhat included my drivers license, social security card, and birth certificate which I filed a police report in regards to. In connection with these stolen documents a series of fraudulent accounts were opened including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I subsequently updated my original police report to include this information. The accounts listed are all fraudlent and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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 XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, 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, XXXX, 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 XXXX, 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 XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6300.00}

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I request Debt Validation Claim under the law 15 USC 1692 G. I need all 4 of these items. A. I want sent to me a full detailed list of the payment history on this account. B. I want to see my original signature that I agreed to on the contract with the creditor on this account. C. Has there been any Insurance Claim found on this debt? D. I want to see the chain of title that you have to collect on this debt. Lastly I need to see the 1099 C that was sent to me from the original creditor on this debt. This letter should be dated today and comes from me, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX. Phone number ( XXXX ) XXXX my email is 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Complainant : XXXX XXXX Subject : Unauthorized Hard Inquiries on Credit Report in Violation of FCRA To Whom It XXXX Concern, I am filing this formal complaint against the following companies for unauthorized credit inquiries on my credit report, which violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. These inquiries were made without my written consent or a permissible purpose as required by law. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, companies are only allowed to access a consumers credit report for specific permissible purposes, such as with written authorization or for a valid credit transaction. I did not authorize these inquiries, nor do they meet the criteria outlined in the statute. 

Furthermore, under XXXX XXXX. XXXX, if a credit reporting agency or furnisher violates the FCRA by allowing or failing to remove unauthorized inquiries, they XXXX be held liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorney fees. 

XXXX Requested : I demand the immediate removal of all unauthorized inquiries listed above. Additionally, I reserve my right to seek statutory damages of {$1000.00} per violation as permitted under XXXX XXXX. XXXX. 

Please investigate and resolve this matter promptly. I request written confirmation once these inquiries have been removed from my credit report. 
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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am formally disputing the reporting of delinquent student loan payments on my credit report. My student loan servicer failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that have significantly impacted my XXXX XXXX. 
Upon reviewing my credit report, I discovered that my student loans were reported as XXXX, XXXX, and even 90 days delinquent, despite the fact that I was never notified of any payment due. I did not receive any emails, phone calls, or mailed notices informing me that my forbearance period had ended. Had I been properly notified, I would have taken immediate action to prevent any negative reporting. 
Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan servicers are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. In this case, I was denied the opportunity to make payments on time because my servicer failed to communicate this critical information. 

Due to actions taken by Nelnet, my XXXX XXXX experienced a decline of XXXX points in XX/XX/XXXX following XXXX accounts from the Dept. of Education being reported 120 days past due as of XX/XX/XXXX. It is important to note that my current email address was not used in this process. Nelnet is aware of my current email address, as I have previously received correspondence from them in XXXX, which was unrelated to repayment matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company 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 2025-03-20 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: NC

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX ( XXXX  ) 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Incorrect Account Status Reporting Dear Sir/Madam, I am writing to formally dispute the incorrect status of my closed account that has been reported on my credit report. Specifically, I have noticed that my account is showing a XXXX status since XX/XX/XXXX. This status is inaccurate and does not reflect the true standing of my account. 

The account in question was closed, and I have consistently worked to resolve any outstanding balance, yet the XXXX status persists on my credit report. I believe this entry is erroneous, and I request an immediate review and correction of the account status. If this XXXX designation is the result of an administrative error or other miscommunication, I ask that the account be deleted off my credit report to reflect the actual situation of the account. 

As this information is adversely affecting my XXXX XXXX and financial reputation, I request that you kindly investigate and resolve this matter as soon as possible. I would appreciate it if you could provide me with written confirmation that the status of my account has been corrected and that the updated information has been transmitted to the credit bureaus. 

Please find attached a copy of my credit report showing the disputed entry and any other relevant documentation that XXXX assist in the resolution of this issue. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation to process my request, I am happy to provide it. 

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I new you to fix my whole credit report My information was exposed in a data breach You have to remove this information Do not turn my dispute into a 3 rd day dispute on section 605B this should be removed within 4 days. Neither of theses accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I was informed that Chase Bank had closed my business account without any prior notice or explanation. When I contacted customer service for clarification, they repeatedly stated that they do not have to give a reason and refused to provide any further details. 

On XX/XX/year>, I escalated my case to the Chase Executive Office, but the representative was rude, dismissive, and unwilling to provide any justification for the account closure. Despite my repeated requests, they refused to : Provide a written explanation of why my account was closed. 
Confirm whether my account was reported to XXXX or XXXX XXXX XXXX XXXX XXXX  ), which could affect my ability to open accounts elsewhere. 
Conduct a manual review of my case to determine if their decision was an error.

How This Is Harming My Business : I recently opened this business account for my mobile detailing company, and now I am unable to process customer payments, access my funds, or manage my business finances. This sudden and unjustified account closure has resulted in : Lost revenue from customers who can not pay. 
Missed business opportunities due to lack of access to funds. 
Damage to my business operations and reputation. 

Chase Likely Used an Automated System Without a Fair Review : Chase refuses to provide a reason, which suggests their decision was made automatically by an AI-based fraud detection system without any manual review by a human risk analyst. I believe this is an unfair business practice that is causing financial harm.

Requested Resolution : 1. A written statement explaining why my account was closed.

2. A manual review of my case by a real risk analyst, not an automated system. 
XXXX. Confirmation of whether Chase reported my account to XXXX or XXXX, and if so, the ability to dispute any inaccurate information. 
XXXX. The immediate release of my remaining balance so I can continue running my business. 
XXXX. A reconsideration of my account closure, as Chase has not provided a valid reason.

Chases refusal to provide transparency or proper customer service violates consumer banking protection laws, and I request that the CFPB investigate this matter to prevent further harm to small business owners like myself.

Company response to consumer: Closed with explanation