vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: DE

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611. I am challenging the validity and accuracy of the XXXX XXXX XXXX account # XXXX currently listed as a charge-off on my credit reports. The account is inaccurately reported across Equifax, Experian, and TransUnion with conflicting statuses, dates, and incomplete payment history. The discrepancies include : Inconsistent last activity dates among bureaus. 
Inflated credit utilization ( 173 % ) reported inaccurately on a closed account. 
Conflicting notations : Account closed at consumers request vs Unpaid balance charged off by credit grantor. 
Lack of verifiable documentation from XXXX XXXX XXXX  to substantiate the current reporting. 
No clear history of attempts to validate the debt, as required under FCRA Section 609.

These errors constitute a violation of FCRA Sections 607 ( b ) and 611 ( a ), which require that all data furnished be accurate, complete, and verifiable. The continued reporting of this unverified derogatory item is causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
To the Consumer Financial Protection Bureau, Im filing this complaint against JPMorgan Chase regarding excessive overdraft fees that have compounded my financial hardship despite multiple good faith efforts to resolve the issue directly with the bank. 

Account Holder : XXXX XXXX Business Account : XXXX XXXX XXXX XXXX Complaint Timeline : XX/XX/XXXXXXXX  I submitted my first request to Chase for reversal of multiple overdraft fees. 

XX/XX/XXXX XXXX  I followed up with a second formal request after receiving no response. 

Outcome : Chase only reversed 3 out of 11 overdraft charges totaling {$370.00}, leaving me with {$270.00} still charged. 

Overdraft Fees Documented : XX/XX/XXXXXXXX  Statement : 9 overdraft fees totaling {$300.00} XX/XX/XXXXXXXX  Statement : 6 overdraft fees totaling {$200.00} Combined Total Fees ( including service fees ) : {$580.00} Deposits During This Time : XX/XX/XXXXXXXX  : {$5400.00} across 18 deposits XX/XX/XXXXXXXX  : {$2900.00} across 14 deposits I am a small business owner trying to stay afloat in a market that has been increasingly unstable since the real estate slowdown began in XX/XX/XXXX. Closings are fewer, payments delayed, and margins thinner than ever. 

Even when deposits came in, Chase allowed multiple overdraft hits before crediting fundsamplifying the damage. Ive made sincere attempts to communicate and request reasonable accommodations, yet the bank has only made partial reversals and continues to profit from this harmful fee structure.

What Im requesting : A full reversal of all remaining overdraft fees from XXXX and XX/XX/XXXX. 

A review into Chases processing order of transactions and how it may have contributed to fee stacking. 

These practices have only made it harder to recover and run my business. I am simply asking for relief and fairness in the face of a system stacked against people like me trying to work their way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
As a previous XXXX  employee, I was laid off from my last job and will have employment at my new job within the next week. Because my income has dropped considerably I can no longer afford the terms of the original loan. As a loyal customer of your financial institution, Id like to ask for the following : A lower interest rate amount of NO MORE THAN 6 % Accept lower payments of {$100.00} per month, beginning XX/XX/XXXX. 
No late fees accessed during this period. 
Accept this offer for no more than 12 months from this month. 
Remove all negatives from credit reporting, as I was unemployed on and off since XXXX, which is the year that I was also laid off from my highest-paying employer. 

I am sure this is only a temporary condition and very soon I will be able to make my payments in larger amounts again, because I have a more secure and stable line of work/employment which begins next week. If you have any questions, please feel free to contact me at XXXX. I ask that you consider this request as a matter of urgency. Thank you for your consideration and Id really appreciate any help you can offer 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: WA

Complaint narrative:
I am reporting a fraudulent debit card transaction that remains in pending status. I reported a fraud case to my bank and was credited for all unauthorized charges except for one transaction from XXXX, which remained pending at the time the case was closed. 

I contacted XXXX, who confirmed there is XXXX XXXX no associated order, no order number, and no transaction XXXX XXXX on their end. They advised me to request a reversal from my bank. Despite this, my bank refuses to credit the amount because it has not posted yet. 

Additionally, my bank XXXX XXXX failed to comply with Regulation E ( 12 CFR 1005.11 ) * * by not issuing a provisional credit within 10 business days of my fraud report. This delay caused financial strain and violates federally mandated error-resolution timelines.

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 2025-07-01 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 am reaching out to dispute a collection account that has recently been listed on my credit report. I do not recognize this debt, nor do I have any recollection of receiving a bill or communication related to it. The sudden appearance of this collection is alarming, and I believe it is either a reporting error or an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
After reviewing my credit report, I noticed that I have negative collections listed on my profile. The negative collections are fraudulent and they are hurting my ability to obtain new credit. Please remove the negate accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted them and requested that they removed these fraudulent inquiries of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
tried to access Transunion sites to obtain my current free credit report and score. The site will not load any information. The site either continues to load, or will flash a loaded screen and go black. Upon trying to log in, the site will send you in circles from the log in screen to the verification screen back to the log in screen. 

Site works perfectly if I want to use the paid version they off- which I do not.

Very predator type tactics. This should absolutely not be allowed. These issues were not identified with 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {XXXX XXXX  + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

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 2025-07-01 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: DC

Complaint narrative:
I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-07-01 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: DC

Complaint narrative:
I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Summary of Issue : Spring Oaks Capital is reporting a collection account on my credit reports that originated with a line of credit from XXXX. After a job loss, I contacted the original creditor to discuss a hardship arrangement. Instead, the debt was sold or transferred to Spring Oaks Capital.

Since acquiring the account, Spring Oaks Capital has contacted me frequently sometimes daily and has added unexplained fees to the balance. 

On XX/XX/year>, I sent a formal debt validation request via certified mail to Spring Oaks Capital, as allowed under 15 U.S. Code 1692g of the FDCPA. Over 90 days have passed with no response or documentation.

Under federal law, Spring Oaks Capital was required to cease all collection and reporting activity until the debt was properly validated. Despite this, the collection remains on my credit reports, and collection efforts continue. This constitutes the following legal violations : FDCPA 809 ( b ) Failure to validate the debt FDCPA 807 Misrepresentation ( inflated or inaccurate balance ) FCRA 623 Reporting unverifiable or inaccurate information I am formally requesting the following : Immediate deletion of the Spring Oaks Capital collection account from all credit bureaus ( XXXX XXXX and XXXX ). 

Cessation of all collection activity until proper validation is provided.

A full and complete validation of the debt, including : - Purchase and Sale Agreement or Forward Flow Agreement - Bill of Sale and chain of title - Original signed agreement from XXXX  - Itemized breakdown of all charges, fees, and interest applied - Documentation proving Spring Oaks Capitals legal right to collect and report this debt Failure to provide the above constitutes continued violations of my consumer rights under the FDCPA and FCRA. I respectfully request that this matter be investigated and resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX  Balance : {$8000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$320.00} XXXXXXXX XXXX XXXXXXXX XX/XX/year>

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 2025-07-01 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: NV

Complaint narrative:
Unauthorized inquiries by multiple companies have adversely affected my credit score and financial standing. Despite previous assurances from your agency that these entries would be removed, they remain unresolved.

This lack of action is unacceptable. The continued presence of these potentially fraudulent inquiries raises serious concerns regarding identity theft and is causing ongoing emotional and financial 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 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Neiman, Stone & McCormick , P.C.
State: IA

Complaint narrative:
b'Landlord decided to renovate the apartment for wear and tear damages. In XXXX, these are not legal and theyre trying to charge me for renovation. They even tore up the carpet and want me to pay for the XXXX  dollar replacement. Theyre attempting to collect a debt via McCormick XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation