vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I opened a XXXX chase card and removed it from my XXXX payments list. And over the past several years they defaulted payments to that card without my permission. My balance was {$1800.00} 2 years ago, and although Ive been making well above the minimum payment on the credit card, the company proceeded to charge me more interest almost every day so I could never pay it down. Then to make matters worse, I paid off this credit card and they continue to charge interest. This is theft. Anybody who does not see this as a problem and as theft is XXXX. They are stealing money from hard working people by making it so no matter how much you pay them, they increase your balance so they continue to get free money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-03-27 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: OH

Complaint narrative:
I used my debit card for a hotel stay that lasted 10 days. There was a deposit hold placed as expected. But 3 days after i checked out there was an ADDITIONAL amount charged to my card and the initial charge was still left there. I disputed it and nobody is giving the right answers. This caused my account to be unusable and overdrafted by XXXX bucks. All while they use my money to fix what they eant to fix until it clears up. Please help. Totally unfair. The merchant and the bank are both pointing fingers and waiting until the last possible moment to make any changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to formally address an issue regarding a loan account I had with OneMain Financial. 

In XXXX, my wages began to be garnished on behalf of OneMain Financial. They were deducting approximately {$140.00} from each of my paychecks. Despite these payments, in XX/XX/XXXX, the account was reported to the credit bureaus as a charge-off with what appears to be an incorrect balance. 

At this time, I do not have access to any of the original loan documents or a clear statement of the remaining balance. I have made multiple attempts over several monthsvia email, phone calls, and even by contacting the debt companyto request copies of the original loan agreement and a full breakdown of charges applied to the account. Unfortunately, I have not received any response or documentation. 

I am willing to pay what is fair and accurate, but I have serious concerns that unauthorized or illegal charges may have been added to the account. 

I am requesting your help to obtain the necessary information and properly review this situation. I want to resolve this matter, but I also want to ensure that everything is being handled legally and transparently. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX number into the credit report beginning with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-27 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I have an unknown charge in collections in the amount of {$1300.00} on my credit rreport from IC system that I am not familiar with and have asked them to provide me with documentation verifying the debt in the form of the original signed contract, when the debt was purchased, and the date of the last payment if applicable, and whether or not they are even licensed in the state of Arizona to collect said debt. I have not heard back from this company and am asking for this collection to be removed from my credit report immediately. 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 explanation
Consumer complaint received 2025-03-27 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: Chime Financial Inc
State: PA

Complaint narrative:
The said they will try to resolve the problem. And I never receive an email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
Account with XXXX XXXX opened on XXXX Hard Inquiry inquired with XXXXXXXX XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
Account with XXXX XXXX opened on XXXX Hard Inquiry inquired with XXXXXXXX XXXX XXXX on 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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
Before ever attempting to contact me, the debt collector XXXX XXXX with Caine & Weiner tried to collect from the previous owners of the company. one is deceased the second is retired. She informed XXXX XXXX that since the company was never notified of XXXX XXXX 's death or his retirement that he was responsible for the debt. When he tried to get answers from her, such as a copy of paperwork stating he was responsible for the debt, she was rude and hung up on him. He then contacted me regarding the debt. 

my first contact with XXXX XXXX was an email I found in my just mail folder on XX/XX/XXXX sent by her on XX/XX/XXXX " I am attempting to speak with you regarding the financial obligation owed to our client. Please contact me at the phone number below to discuss the options to resolve this account and stop all current collections against your company and XXXX XXXX as the personal guarantor on the account. '' I sent her a copy of XXXX XXXX 's death certificate, a condolances email proof that XXXX knew he was dead, a credit application from XXXX d proof they new I was responsible for the debt not XXXX XXXX. After I sent her these items she sent XXXX XXXX another collection letter, Once again he called her to discuss the letter, he told her I sent proof XXXX knew he was not responsible, she told him she had not received any information of the sort. XXXX XXXX asked her for proof that he was the personal guarantor of the account, which still has not been provided she was extremely rude and hung up on him. Apparently she has also been trying to collect from XXXX XXXX 's family. I resent the email with the information and called her. She was extremely Rude to me and hung up on me also. I contacted XXXX and informed them that I would not deal with such a rude unprofessional person and once again tried to negotiate with them directly. She called me again regarding " my little note '' to the client. Once again she was condescending, rude and wouldn't let me speak. I asked her to speak to me in a professional manner and she informed me that I didn't have that right. I informed her that there are laws in this state regarding collection practices, she said they didn't apply to commercial debt only personal. I once again tried to speak to her, she said she was going after XXXX XXXX because she could. I informed her that he was considering filing a harassment complaint against her and that she was abusing a senior citizen, she thought that was funny, told me she was sending it to legal and ended the call. I was only able to record a small portion of this call, and I had to shorten it even further to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
When I left with the car XX/XX/year> I called the dealership and loan company stating something is wrong with the car they lied and told me I have unlimited warranty I did not, Ill like the car loan remove off my report I havent been able to drive the car since I been trying to fix it car keeps breaking down. They took XXXX from me just for the car not to work I asked the bank if they wanted the car back they told me no Im currently waiting to hear back from an attorney, I have emails and text and voice records between the company and the bank loan, they false advertise about the car .the car gave me trouble the next day the car was over heating, they sold me a jacked up car, I have videos from the day of and the day after. Ill like this car loan removed from my report are their will be a pending lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is completely unfair that my financial standing is being negatively impacted by errors on my report. These inaccuracies are creating barriers that should not exist, and it is extremely frustrating to deal with the consequences of false information.

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 2025-03-27 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: GA

Complaint narrative:
I am disputing a charge-off account from XXXX XXXX XXXX ( Acct # XXXX ) listed on my Experian credit report. I previously filed a dispute and the information was not corrected or deleted. The account is inaccurate and unverifiable. 

The status is reported as charged off with a balance of {$560.00}, but the account was closed over a year ago and may have been sold to a third party. I have not received validation of the debt from First Premier, and the reporting violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be thoroughly investigated and removed from my credit file if it can not be properly verified.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is not my mortgage company for years already and I have never been late. They had agreed deferment due to Covid 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Urgent Request to Remove Fraudulent Account from My Credit Report Dear CFPB Representative, I am a victim of identity theft, and my personal information has been stolen, misused, or compromised by an unknown third party. As a result, a fraudulent account has appeared on my credit report. I have never authorized, accessed, paid for, or signed any documents related to this account. 

Details of the fraudulent account : Creditor : CBNA  ( XXXX XXXX, XXXX. ) Account Number : XXXX Account Type : Revolving ( Credit Card ) XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$0.00} I have disputed this fraudulent account multiple times with the credit bureaus. Each time, it was removed, but it has repeatedly reappeared on my credit report. I have also filed multiple FTC reports and prepared an Affidavit to substantiate my claim, yet this account remains. As of now, it is still showing on my XXXX 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 2025-03-27 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: GA

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 2025-03-27 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I have identified, including incorrect names and addresses. 

The following inquiries were made without my knowledge or consent. Please remove them immediately : XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I have identified, including incorrect names and addresses. 

The following inquiries were made without my knowledge or consent. Please remove them immediately : XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 doctrine of estoppel by silence, 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