vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I previously submitted a dispute regarding inaccuracies on my credit report, and I have yet to receive proper validation or correction of the disputed accounts. Under the Fair Credit Reporting Act ( FCRA ), Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), I request that you verify these accounts with documented proof or remove them immediately. 
Reporting unverified information violates federal law, and failure to provide substantiating evidence within the required timeframe is unacceptable. Please investigate and correct the following accounts on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$18.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a dispute regarding inaccuracies on my credit report, and I have yet to receive proper validation or correction of the disputed accounts. Under the Fair Credit Reporting Act ( FCRA ), Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), I request that you verify these accounts with documented proof or remove them immediately. 
Reporting unverified information violates federal law, and failure to provide substantiating evidence within the required timeframe is unacceptable. Please investigate and correct the following accounts on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$18.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I have sent letters to Experian on 5 different occasions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to let them know there was an account reporting inaccurately and i have received no acknowledgement or even that the account is in investigation. There has been no communication on their end.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Monday XX/XX/XXXX i woke up to a message from chase regarding my account and that they needed additional information i called them to be told my account is being closed and they are termination the relationship which was okay until i heard they will mail a check with the remaining balance this took me to surprise and i asked for a supervisor who then told me in 2 business days my direct deposit will be released and id be able to go to the branch and get my funds XXXX arriving at the branch i was turned around due to the status of my account after a week of consistent calls they keep informing me i have to wait until i get the check which i can not do because im already a month or so behind bills within the week of them holding my direct deposit funds I've been served with an eviction notice which now makes my mailing address invalid because i won't have access to the mail I've been to 4 different branches and none of them allowed me to get my funds I haven't broken any terms of services and am being treated like a criminal I was told by 3 different people that i should be able to go in branch and get my funds yet I've been denied every time im homeless and have nothing but a phone my direct deposits were supposed to be the thing climbing me from this hole but yet im digged even deeper in please do something to help they are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MO

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 explanation
Consumer complaint received 2025-03-24 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: 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 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 2025-03-24 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: 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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, deposited a check for {$1200.00} into my personal checking account with Chase Bank ( account ending in XXXX ). The check was issued to my husband, XXXX XXXX, and was properly endorsed and deposited in good faith. 

Shortly after the deposit, Chase closed my account without providing a clear explanation. Despite repeated attempts to contact the bank, I have not received any official response regarding the status of the funds, and the money has not been returned to me or to the checks original payee. 

It has now been over a year since this incident occurred, and the bank has failed to provide any formal resolution or refund. This lack of response and prolonged delay is extremely concerning and unjust. 

I submitted a formal letter to Chase Bank requesting the return of the funds, including a copy of the check and supporting documentation. I am now requesting CFPB assistance in resolving this matter and securing the refund of the {$1200.00} that is rightfully owed. 

Attached is the formal letter and supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX VA XXXX **Subject : ** Formal Request for Debt Validation Pursuant to 15 U.S. Code 1692g, 1692c, 1681e ( b ), and 1681b To Whom It May Concern, I am formally disputing the validity of the alleged debt you claim I owe and requesting verification under my rights provided by federal law. 

XXXX XXXX XXXX  **Debt Validation Request 15 U.S. Code 1692g** Pursuant to **15 U.S. Code 1692g**, I request the following information to validate this alleged debt : - The name and address of the original creditor. 
- The full account number associated with this alleged debt. 
- A complete payment history, including the date the debt was incurred and any additional fees or interest applied. 
- A copy of the original contract or agreement, signed by me, proving I am legally obligated to pay.

- The Chain of Assignment and Forward Flow Agreement for this account, including all transfers, amount of purchase from original creditor. 
- Proof that you are authorized to collect this debt on behalf of the original creditor. 
- Verification that this debt has not been transferred, settled, or otherwise discharged.

Until you provide this documentation, I **demand that you cease all collection activities**, including credit reporting, as required by law. 

XXXX XXXX XXXX XXXX*Restriction on Communication 15 U.S. Code 1692c** Additionally, under **15 U.S. Code 1692c**, I request that you cease all communication regarding this alleged debt except to provide the legally required validation. Any further contact outside of this request will be considered harassment and reported to the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **. 

XXXX XXXX XXXX XXXX*Accuracy in Credit Reporting 15 U.S. Code 1681e ( b ) ** If you have reported this alleged debt to any credit reporting agency, be advised that under **15 U.S. Code 1681e ( b ) **, information furnished to credit bureaus must be accurate and verifiable. If you can not validate this debt, you must immediately remove any negative reports associated with it. 

XXXX XXXX XXXX XXXX*Permissible Purpose for Credit Reporting 15 U.S. Code 1681b** Furthermore, under **15 U.S. Code 1681b**, you must have a permissible purpose to access or report my credit information. If this debt is invalid, you have no legal right to place it on my credit report, and any unauthorized reporting may result in legal action.

Failure to comply with these legal requirements will leave me no choice but to file complaints with the **CFPB, FTC , and my State Attorney General 's office**, and pursue legal action if necessary. 

Please respond to this request in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
It was closed and reopened out of no where. This isnt legal

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 2025-03-24 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: MI

Complaint narrative:
RECENTLY I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate the account for me to ensure accuracy Here is the account I am asking you to verify as Accurate XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I sent your company a letter disputing account number XXXX with XXXXXXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. XXXXXXXX XXXX XXXXXXXX

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 2025-03-24 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: MN

Complaint narrative:
Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX ( IDEAL XXXX ) inaccurately and negligently reports an auto loan account as closed on XX/XX/year>, with a reaffirmation of debt status. My official Minnesota vehicle title and loan documentation confirm the vehicle was actually acquired on XX/XX/year>, with XXXX XXXX XXXX as the lienholder. The reported reaffirmation status is entirely incorrect, unfounded, and has negatively impacted my credit profile. 

I have already attempted to resolve this directly with XXXX XXXX XXXX, to no avail. The inconsistent reporting constitutes reckless negligence under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), mandating accurate information on consumer credit reports. 

Supporting Documentation Attached : Minnesota XXXX of XXXX clearly showing the XX/XX/year> acquisition date. 
Credit reporting screenshots showing the erroneous closure date and reaffirmation remark. 
Documentation confirming loan payoff and zero balance.

Resolution Requested : Immediate and permanent removal of this inaccurately reported account from all credit reporting agencies. 

Thank you for your prompt attention to this matter.

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 2025-03-24 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:
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 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/year> a payment was made for {$250.00} on this account. 

On XX/XX/year> a payment was made for {$250.00} on this account. 
But the account was not even applied for credit until XXXX. 

Both payments were inserted on my consumer credit reports without my knowledge and consent.

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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Date XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX To : Transunion XXXX XXXX XXXX XXXX, PA, XXXX Dear Transunion, XXXX writing to formally dispute inaccurate and unverified information that is being reported on my credit file in violation of the Fair Credit Reporting Act. Upon reviewing my credit report, I discovered XXXX Mortgage and XXXX XXXX XXXX with inaccurate information. - Per 15 USC 1681 Transunion is reporting inaccurate information that violates the FCRA. They are in violation of my rights to privacy by reporting non-public personal information without my permission or consent. Per 15 USC 1666B A creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Per 15 USC 1681 S-2 ( B ) failure to provide accurate reporting. If the disputed items can not be verified, therefore I demand the following actions to be taken within 30 days : 1. Remove lates from my credit file. 2. Provide written confirmation of deletion of lates. XXXX. Refrain from reporting unverified information in the future. Failure to comply with these request will leave me choice but to escalate this matter by filing a complaint with the CFPB considering legal actions for damages under the FCRA. I want deletion of all the lates, Please update as NO DATA or Current as each Violation are subjected to {$1000.00} dollars each. 

Thank you, 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 2025-03-24 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: TX

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-24 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:
TransUnion and Experian credit reporting agencies are reporting inquiries that I didnt request on my credit report. This is affecting my ability to obtain new credit at a lower interest rate.

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