vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
I paid off a credit card from a tire company ( XXXX XXXXXXXX XXXX XXXX  ), they use XXXX for their credit cards. The card got sent to collections. The collection company and myself agreed on me being put on auto-payments so the card could be paid off. The card was paid off around XXXX of XXXX. I spoke with a supervisor that confirmed the card had been paid off. I requested proof that the card had been paid off and never received it. Not via email or mail. I never received any further communication from the CBE group ( the first debt collecting agency ). Then, XXXX years later, I receive another letter in the mail ( dated XX/XX/XXXX ) from a different debt collecting agency that is requesting the exact amount I paid to the CBE group. The second debt collecting agency is called XXXX XXXX  ( phone number : XXXX ). I explained to them the same thing, they said they would follow back up with me after XXXX hours, that was over two weeks ago. Since I had not heard from them after 72 hours, I decided to call. I was told that their systems were down and they couldn't help me because they couldn't verify my information due to their systems being down. I called again the next day and was told that the department I am needing is not in office. Every time I call and explain my situation, I am given a lousy excuse and am never helped properly. This collection on my credit report has hindered me from multiple growth opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was involved in a loan scam by XXXX XXXX by someone going by the name of XXXX XXXX where they offered a loan contract which I signed for {$5000.00}. I was negative {$300.00} in my bank and desperate for a loan. They deposited XXXX {$400.00} checks into my savings account and as part of their verification process they had me send back {$890.00} through XXXX, after I sent the money back to them they cancelled their checks now Im negative XXXX in my savings account and Im enrolled in fraud protection and the bank failed to properly take care of my account to ensure there would be no further transactions.

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 2025-05-25 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am disputing the reporting of a charged-off account by American Express on my credit report. The account shows a charge-off status with a balance exceeding {$18000.00}, but AMEX has stated they did not issue a 1099-C. This raises legal and factual inconsistencies, as under IRS rules, a canceled debt over {$600.00} typically requires 1099-C reporting.

If the debt was not canceled and no collection is ongoing, the continued charge-off reporting is misleading, unverifiable, and harms my creditworthiness. Ive asked both the creditor and credit bureaus for proper validation or removal, but have received no proof of accuracy or status. I am requesting the CFPB investigate this reporting and ensure it is either corrected or deleted in accordance with the FCRA and IRS guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/year> I prepared a letter requesting a validation of debt to debt recovery solutions, a debt collector agency that has placed a derogatory comment on my credit reports, all three of them. They are claiming that I owe a debt that I dont believe is correct. As such I prepared and sent the letter certified with return receipt. This is shown by the included photos showing receipt of the letter by an individual at the office address. They were given the letter and signed for its receipt on XX/XX/year>. This began the allowed XXXX  days discussed in my letter. Today, XX/XX/XXXX marks XXXX  days since the receipt of my validation request letter and I have yet to receive any correspondence at all, whatsoever, from the company yet they are also continuing to report this disputed account on my reports without any changes to the information regarding the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
b'All 3 credit bureaus are reporting foreclosure and late payments on my credit. My mortgage company reported to the credit bureaus that my home was foreclosed on. I am Currently living in my home, I have never gone to any court and the judge approved a foreclosure. There are no foreclosure dates yet the mortgage company is reporting to the credit bureaus that I am in foreclosure.\n\nThe reporting of foreclosure on my credit and late payments have left me critically crippled credit wise. I cannot apply for a refinance or even try to get a new mortgage because of the negative reporting. The mortgage company has no signed agreement from me agreeing to pay $XX/XX/XXXX I was in a modification where my mortgage payment was XX/XX/XXXXThen the payment went up toXX/XX/XXXX. I was able to pay the XX/XX/XXXX but then the mortgage company stated the modification had expired and my new mortgage payment is XX/XX/XXXX. Then I got another statement stating the new payment would be $XX/XX/XXXX\n\nThey tried negotiating with me by bringing it down to XX/XX/XXXX. I have been applying for hardships with the mortgage company ever since. The mortgage company negotiated a monthly payment of XX/XX/XXXXXX/XX/XXXX. \n\n$XX/XX/XXXX for the payment and $XX/XX/XXXX for the escrow. I asked them can I pay my own taxes and insurance, they approved it saying yes I can pay my own taxes and insurance. I then subtracted the XX/XX/XXXX and sent in a payment of XX/XX/XXXX, the payment was still high but I had to try and save my home. The mortgage company refused the XX/XX/XXXX payment and returned it back to me stating that I did not send in the correct amount.\n\nFrom that point forward the mortgage company continue to raise the monthly payments, refused the payment I sent in and now reporting to the credit bureaus late payments and foreclosure.\n\nI am asking that the credit bureaus stop reporting late payments and foreclosure on my credit report. If they are going to report foreclosure, they would have to send in proof of foreclosure. I am asking for this to be done immediately. \n\nThank you for your assistance in this critical matter.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I pulled mty credit and there are several addresses on here that are not mine can you please have them removed : 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

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I pulled mty credit and there are several addresses on here that are not mine can you please have them removed : 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

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 2025-05-25 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: CA

Complaint narrative:
My sensitive information ( data ) along with many others was breached from all of the XXXX credit reporting agencies. equifax, XXXX, Trans Union 15USC1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received a notice from my XXXX XXXX who monitors my credit reports that there is a derogatory mark appearing on my credit report with negative entry on my credit report. The notice indicated a lender, XXXX XXXX, posted a balance of {$6300.00}, opened on XX/XX/year>, Phone XXXX, XXXX XXXX XXXX, XXXX, TX. 

XXXX indicated to me that they sold the dept to Transworld Systems Inc. ( TSI ), XXXX XXXX XXXX, XXXX, DE XXXX I submitted the following : XXXX. Filed a complaint with XXXX XXXX. Submitted to TSI a formal request for Debt Verification 3. Filed a police report with XXXX, NJ Police I never had an account with XXXX XXXX before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. However, they continue to appear on my report. These potentially fraudulent and unauthorized inquiries are deeply concerning and have caused significant anxiety, as they may indicate possible identity theft. This ongoing issue is placing unnecessary stress on me and further damaging my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: NJ

Complaint narrative:
In accordance with the credit fair reporting act. The list of accounts below has vviolated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 act. 
I look at my report from Experian on XXXX XXXX and I noticed some things are 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 accuracy. And according to 15 USC 1681. They are suppose to do this treatment of inaccurate or unverifiable information in general after investing In accordance with the credit fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 act. 
I look at my report from Experian on XXXX XXXX and I noticed some things are 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 accuracy. And according to 15 USC 1681. They are suppose to do this treatment of inaccurate or unverifiable information in general. 
Please delete the old credit cards information which has a bad impact on my credit report and multi violation on my report. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-25 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-25 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-25 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 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: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I reviewed my XX/XX/XXXX credit report and found an inaccurate credit card account from XXXX XXXX XXXX, opened XX/XX/XXXX. The account is reported as Charged off/Never late, {$700.00} written off, with a {$590.00} payment on XX/XX/XXXX, and a {$0.00} balance as of XX/XX/XXXX. I have no knowledge of this account, suggesting identity theft or error. The Never late status contradicts the Charged off label, as charge-offs typically follow 180 days of non-payment, and the {$590.00} payment indicates payment activity. The {$700.00} amount matches a disputed Jefferson Capital Systems collection account, indicating possible double-reporting. The comment Account closed at credit grantors request is incorrect if I didnt open the account. 
In XX/XX/XXXX, I disputed this withXX/XX/XXXX and XXXX ( contacted via XXXX ), selecting Account ownership and fraud issues, Status inaccurate, and Comment inaccurate. I requested verification ( signed contract, payment records ), citing FCRA ( 15 U.S.C. 609, 611 ) and UCC 1-308 for reserved rights. Neither provided documentation, and the account persists, harming my credit score, violating FCRAs 30-day investigation requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime opened a checking account without my consent. I started receiving welcome email from them. I received a debit card along with the new checking account number. I called and told them I did not authorize the opening of the account. They closed account. I was told they do not need social security number or other personal info to open account .Chime also opened me a credit card without my consent and. I received the card in the mail along with the debit card. I also closed the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the reporting of negative information on my XXXX XXXX XXXX account, which was opened on or around XX/XX/year>. 

The account is currently listed as charged off with a past due amount of {$30.00} and a balance of {$60.00}. This is inaccurate. I was never late on this account, and I paid the balance in full before the account was closed. 

I believe this derogatory reporting is an error. The payment history should reflect that the account was paid in full and closed in good standing, not charged off. 

I am requesting a correction to this account to accurately reflect its status and remove the charge-off notation and late payment history.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I received a check from my mom deposited it to chase via mobile deposit, chase then closes my account and will not release the funds to me because my mom 's phone number has changed from whst was on her check. Doesn't matter she has her checkbook, her account and routing number or the fact that it cleared from her bank. Doesn't matter that I gave them her new number where she could verify all this and her social. They won't release the funds to me. That's XXXX dollars they are stealing.

Company response to consumer: Closed with explanation