vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a credit card with Bank of America. I had never missed a payment. There was an autopay issue, which was an issue on their end. When I inquired about it they had to involve their IT team. It took days for them to fix the issue. Due to the autopay issue, which, again, was Bank of America 's fault, I have a 30 day late payment listed on my credit report. 

Bank of America, realizing its error, refunded my late payment penalty. They did not correct my credit report. They said that only XXXX could do that. I am not sure why they only mentioned XXXX. In any event, I do not believe that they could not correct this on their own initiative. 

I filed my dispute with XXXX. XXXX said the late payment was verified to be mine. Of course, it did not address which party was at fault. Thus I called Bank of America again. They said that by law they could not remove this from my credit report, even it it was their fault. I do not think this is true. They could not provide me with a statute or regulation to back up this stance. I think this is because there is no such legal authority. 

Bank of America said their calls are recorded. I am requesting you obtain the phone recordings of my calls to verify everything above it correct. Once confirmed, please remove this from my credit report. 

Thank you.

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I sent the company a certified letter and they did not respond with any information that I requested

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 2025-02-13 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of all reported accounts from my credit report. Despite my repeated disputes, Equifax and TransUnion have failed to conduct a proper investigation into the inaccuracies and errors affecting my credit profile. Their negligence has resulted in continued harm to my financial standing, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. However, Equifax and TransUnion have failed to comply with this requirement, leading to erroneous and misleading information remaining on my report.

Furthermore, their failure to ensure the accuracy of my credit file violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. Because of these violations, I request that all reported accounts be removed from my credit file immediately.

As a result of these violations, I am prepared to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for statutory and actual damages, attorney 's fees, and punitive damages in cases of willful or negligent noncompliance.

I request that the CFPB take immediate action to investigate these violations and ensure that Equifax and TransUnion fulfill their obligations under federal law. I demand that all reported accounts be removed from my credit report and that both agencies provide a written statement confirming their compliance.

Please find enclosed copies of my dispute letters, supporting documentation, and previous correspondence with Equifax and TransUnion for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-13 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: FL

Complaint narrative:
I am writing to formally dispute a medical debt that has been reported on my credit file. The account in question, listed under XXXX XXXX XXXX, appears on my credit report. I do not have a contractual agreement with this entity, nor did I authorize them to report this debt on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I request a full validation of this debt, including proof that I agreed to be financially responsible and that this entity has the legal right to collect and report this information. If no such agreement exists, I demand that this account be removed from my credit report immediately. 

Please investigate this matter and provide me with written confirmation of your findings. If the information can not be verified, I expect the disputed item to be deleted in accordance with the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was over XXXX XXXX XXXX and I already paid XXXX and returned every equipment. I dont understand why this new creditor that open this account two years ago I never heard of. I do not owe {$1300.00}

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 2025-02-13 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: I.C. System, Inc.
State: CA

Complaint narrative:
This account was over XXXX XXXX XXXX and I already paid XXXX and returned every equipment. I dont understand why this new creditor that open this account two years ago I never heard of. I do not owe {$1300.00}

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 2025-02-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-02-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-02-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/2025 Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that Experian conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX 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 2025-02-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/year>, I received a letter from Chase Bank stating that my checking account ending in XXXX would be closed due to claims abuse. I was shocked because all disputes I filed were for legitimate unauthorized transactions or merchant issues. Despite my attempts to appeal this decision, Chase refused to review my case fairly.

I immediately contacted Chase through the Secure Message Center and the Executive Office to request clarification and appeal the closure. I asked them to explain which claims they considered abusive and to allow me to submit supporting documentation. Instead, I received vague responses and was told the decision was final without any review of my evidence. 

I also expressed concern about whether Chase would report this account closure to XXXX or XXXX XXXX XXXX XXXX XXXX XXXX. I requested that Chase ensure my records remain clear if their allegations were unfounded. I did not receive a clear answer.

I am filing this complaint because : Chase closed my account without providing a clear reason or a fair appeals process. 
I was not given an opportunity to dispute their allegations or present supporting documents. 
I am concerned that Chase may report this closure to XXXX or XXXX, which could harm my ability to bank elsewhere. 

Desired Resolution : 1. I request that Chase reconsider my account closure and conduct a proper review of my claims history.

2. I request written confirmation that this closure will not be reported negatively to XXXX or XXXX XXXX XXXX 
XXXX. If Chase has already reported the closure, I request that they remove the record, as the closure was based on an unverified accusation. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I disputed an inaccurate collection account reported by XXXX XXXX XXXX to Experian. This debt is tied to The Landing Apartments, where I submitted an application but never signed a lease or took possession of the unit. 

I contacted The Landing Apartments, and they confirmed they do not have a signed lease agreement with my signature or an IP address verifying an electronic signature. XXXX XXXX XXXX also stated that they only have an application on filenot a legally binding lease. 

Despite this, Experian refused to remove the unverified debt, violating the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be reported. I have requested proper documentation multiple times, but none has been provided. 

I am requesting the CFPB to investigate and ensure the removal of this inaccurate debt from my credit report immediately since there is no legal basis for its collection.

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 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding a fraudulent credit account that was opened in my name with XXXX XXXX  Card Services. Upon discovering this fraudulent activity, I disputed the account. As a result, XXXXXXXX XXXX confirmed in writing that the account would be closed and removed from my credit report. 

Despite this confirmation, I have continued to receive multiple emails and phone calls attempting to collect on this fraudulent debt. Each time, I have provided the attached letter from XXXXXXXX XXXX verifying that the account was fraudulent and should not be pursued. However, I am now facing legal action from an attorney representing this debt, who is threatening to garnish my wages. 

The following laws are applicable to my case and should be enforced : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Ensures the accuracy and privacy of consumer credit reports. Under the FCRA : I have the right to dispute inaccurate information on my credit report ( 1681i ).

The credit reporting agencies and data furnishers are required to remove fraudulent accounts once they are identified ( 1681c-2 ). 
The continued reporting of a fraudulent account may be considered a violation of my rights.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) Protects consumers from abusive debt collection practices. Under the FDCPA : Debt collectors can not attempt to collect a debt that is not valid ( 1692e ).

It is illegal to use false or misleading representations in connection with debt collection ( 1692e ( 2 ) ( A ) ).

The threat of wage garnishment on a fraudulent debt may be considered an unfair and deceptive practice ( 1692f ).

Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 et seq. ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in the financial marketplace. The continued attempts to collect a fraudulent debt may violate the CFPAs prohibition against unfair collection practices.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Criminalizes identity theft and fraudulent use of another persons identifying information. Since this account was fraudulently opened in my name, I request that this matter be further investigated as a potential identity theft violation. 
I am attaching all relevant documentation, including the letter from XXXX XXXX  confirming the accounts closure. I request that the CFPB take immediate action to : Ensure that this fraudulent account is permanently removed from my credit report. 
Stop all collection attempts and legal action against me regarding this debt. 
Investigate and enforce penalties against any party violating federal laws. 
Please confirm receipt of this complaint and provide information on the next steps to resolve this matter. I appreciate your prompt attention to this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am writing to formally request the removal of a collection/charge-off entry related to account number XXXX, originally opened with CREDITACPT and listed as a charge-off/collection on my credit report. The entry listed is dated Date of Charge-Off/Collection. 

I don't fully acknowledge my responsibility for this account, and I have since taken steps to improve my financial management and stability. In acknowledgment of this, I am kindly hoping you might consider this a request for goodwill I am asking for the removal of this negative item from my credit report.

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 2025-02-13 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-13 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 have not supplied proof under the doctrine of estoppel by silence, 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