vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to you regarding a recent alert I received about a thirty-day late payment on my XXXX XXXX XXXX  account. I would like to dispute this alert per my credit agreement. As stated in my agreement, my due date for payment is the XXXX and any 30-day late payments should be calculated from the XXXX or after. However, my payment was actually processed on the XXXX and was paid before the XXXX. I have attached evidence of this for your reference. Unfortunately, this is not the first time that this has happened with XXXX XXXX XXXX. I kindly request that you correct the reporting on my late payments as my accounts have always been paid before the 30-day passing date. It is important to me that my credit report accurately reflects my payment history and current status. I have attached further evidence for your review. I urge you to correct my credit report immediately to reflect that my payments have been current. I greatly appreciate your prompt attention to this matter and your efforts to ensure the accuracy of my credit report. Thank you for your time and understanding. Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Our family ran into some financial difficulties in XXXX, resulting in a large amount of accumulated debt. Both my wife and I were out of work for stretches of time, and I was in a different line of work not earning as much as I had been when I was employed. 

The amount owed including interest/fees/etc is approximately {$19000.00} to Chase. They sold the debt to XXXX XXXX XXXX XXXX XXXX. They have not been willing to arrange a payment plan that is reasonable, and are now trying to garnish wages at a rate much higher than the already unreasonable amount they proposed. Their proposal was approximately XXXX XXXXXXXXmonth ( well beyond what our family of XXXX can afford ), and with garnishment, it would be XXXX XXXXXXXXmonth. We would lose our home if that's the case. 

Again, I am willing to settle for a more reasonable payment, but no flexibility has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: DC

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 2025-05-07 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: DC

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 2025-05-07 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: IL

Complaint narrative:
b'Identity theft report attached \nMy Identity verification sent & attached'

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 2025-05-07 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: SC

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX XXXX XXXX and XXXX XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit file

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 2025-05-07 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account Account XXXX : XXXX I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of XXXX Merchant name : XXXX XXXX XXXX  Amount charged : {$8600.00} XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Complaint Against XXXX Unauthorized Charges and Credit Damage XXXX XXXX XXXX In XX/XX/year>, a pair of XXXX XXXX XXXX totaling approximately {$580.00} was ordered through my XXXX account. I did not place this order. The product was automatically returned, yet the charge remained on my account. 

XXXX XXXX XXXX XXXX at the time, and had no ability to have authorized or received this order. From XXXX through XXXX, I contacted XXXX over 25 times, requesting that the charge be removed. Each time I was assured the issue would be corrected. 

Despite those assurances, XXXX never removed the charge. They sent the balance to collections with IC System, which has since resulted in a XXXX drop in my credit scorea severe and unjustified consequence, especially considering my excellent credit history and financial responsibility. 

This situation has caused me significant distress, particularly as an active servicemember. XXXX actions violate my rights under the Servicemembers Civil Relief Act ( SCRA ). They have failed to : Resolve a known, unauthorized charge ; Correct their internal error after multiple calls ; Prevent unfair credit reporting during XXXX. 


I am requesting that XXXX : 1. Immediately retract the account from collections ; 2. Remove the debt from my credit report with all bureaus ; 3. Provide written confirmation that the matter is resolved.

This experience has been unacceptable, and Im seeking immediate regulatory assistance.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
They took me to court and sued me. During the court hearing the judge dismissed the complaint against me with prejudice. 
And when my credit report came out it stated that the company XXXX through Resurgent capital services is still reporting it. I called and asked why. And was told they dont care about what the court said. That I still owe this debt and that it will remain on my credit report until I pay for it. I explained I was incarcerated for over 25 years just released. All this was shown to the court and there lawyers. What can I do to have them removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was scammed outside of a XXXX in my town where I reside on the evening of XX/XX/XXXX. As I was walking out of the XXXX following a purchase I had made where I was stopped baby a gentleman and a woman claiming to be raising money for XXXX XXXX XXXX XXXX XXXX due to a shooting that took place that took the life of the man 's son. Since the boy was walking to the XXXX XXXX XXXX XXXX after school at the time of the shooting the XXXX XXXX XXXX XXXX was helping raise money for funeral costs. The woman showed be a badge indicating that she worked for XXXX  XXXX and was an ambassador there to insure that they weren't just soliciting money. I very quickly looked at the badge, which looked fine as far as I can tell. I exclaimed that I didn't have cash, which they proceeded to tell me they couldn't accept cash anyway due to the organization not allowing it. I said that was okay and that I would contribute XXXX dollars. The man pulled a binder out with a list of names and emails of what I expected to be other donors. While I wrote my name, email, and XXXX dollar donation down the woman ran my CC on a machine they had. While this was happening the man exclaimed that there was a verification email that he needed to see and asked for my phone. This was where things started to feel weird. Being a little trapped in the moment, I gave him my phone thinking I'd be an able to notice if anything odd was happening. He had my phone for maybe 30 seconds and said everything was good and that they appreciated the donation and I went on my way. My thought was if anything weird popped up, my bank app would notify me. However, what I later realized is that the man had deleted my bank app so that I wouldn't be notified of the fact they had charged my card twice for XXXX dollars and attempted a 3rd charge for that same amount that got denied. I had tried to dispute the charge with my bank, however, they have denied my claim both times.

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 2025-05-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-05-07 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: TX

Complaint narrative:
Dear Equifax, This letter is to formally request the removal of all negative information from my credit report due to my active military service. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to assert my rights under the ServiceMembers Civil Relief Act ( SCRA ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the SCRA allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during active duty service. I request the removal of the following types of negative information from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-05-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A Home Depot/Citi Bank credit card was opened in my name in XXXX. I then received a call from Citi Bank closing the account account because they suspected fraud. I ignored this at the time because I did not have a Home Depot credit card and thought it was a scammer. I then received a statement in the mail with all my information which indicated to me it was real and someone had opened up an account in my name fraudulently. I have already filed a report/complaint with CFPB and Citi Bank refuses to acknowledge there was fraud and refuses to provide me with evidence of the fraud, but rather just says they still believe it was me. I have filed a police report and waiting on for it to be issued to me so I can attach it to this complaint and also send to Citi Bank. I have reported this to all the credit bureaus but since Citi Bank refuses to acknowledge fraud, all the cases have reopened and my XXXX XXXX of XXXX is now declining. I would like to mention that I have never had late payments or any negative impacts on an almost perfect credit score for the last 10 years and this is severely impacting it. Lastly, I found an article from XXXX that justifies my suspicion of fraud because it reports an issue with fraud on the exact date my case happened. See link below : 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 monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
My credit card had transactions that were all fraud .They had removec it after investigation that it was fraud. Month later illegally tried to acculumate the month regardless also by harassent, threats and breech my information illegally also that contributed to my identiy being leeked in a breech and have suffered immensely because of it

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 2025-05-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-05-07 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act this account XXXX Account number XXXX can not be updated each month as a delinquency this is a violation of 15USC 1681 S-2 and 15USC 1681 E ( B ) laws.

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