vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple written disputes to Experian, Transunion and Equifax regarding inaccurate information on my credit reports. Despite my repeated efforts, neither bureau has corrected the errors nor provided any form of verification or investigation results as required by law. To my understanding, if a dispute is not resolved or verified within the legally mandated timeframe, the disputed information must be removed from the credit report. I am requesting that the CFPB investigate this matter and ensure my rights under the Fair Credit Reporting Act are upheld. 

Accounts in dispute : XXXX XXXX - XXXX - XXXXXXXX XXXX  ' on XXXX bureau yet 'XXXX ' on the other clearly proves a billing error. Due to billing error, please update this account to 'XXXX  ' to reflect the same. 
XXXX - XXXX - The date of last activity is different with all three bureaus which clearly suggests a billing error. Please correct the billing errors on my account or delete this from my report immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX - The 'date of last activity ' has a different year for each bureau. How can that be? This suggests a billing error. Due to billing error, please delete this account. 
XXXX - XXXX - This company is claiming a medical debt. I never did business with them and a medical debt should not be reporting. Please delete this incorrect and unverifiable account immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect - I only have XXXX address and this is no longer it. I have provided my proof of address and asked for this to be removed but it still remains. Please delete. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Incorrect - I only have XXXX address and this is no longer it. I have provided my proof of address and asked for this to be removed but it still remains. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple written disputes to Experian, Transunion and Equifax regarding inaccurate information on my credit reports. Despite my repeated efforts, neither bureau has corrected the errors nor provided any form of verification or investigation results as required by law. To my understanding, if a dispute is not resolved or verified within the legally mandated timeframe, the disputed information must be removed from the credit report. I am requesting that the CFPB investigate this matter and ensure my rights under the Fair Credit Reporting Act are upheld. 

Accounts in dispute : XXXX XXXX - XXXX - XXXXXXXX XXXX  ' on XXXX bureau yet 'XXXX ' on the other clearly proves a billing error. Due to billing error, please update this account to 'XXXX  ' to reflect the same. 
XXXX - XXXX - The date of last activity is different with all three bureaus which clearly suggests a billing error. Please correct the billing errors on my account or delete this from my report immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX - The 'date of last activity ' has a different year for each bureau. How can that be? This suggests a billing error. Due to billing error, please delete this account. 
XXXX - XXXX - This company is claiming a medical debt. I never did business with them and a medical debt should not be reporting. Please delete this incorrect and unverifiable account immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect - I only have XXXX address and this is no longer it. I have provided my proof of address and asked for this to be removed but it still remains. Please delete. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Incorrect - I only have XXXX address and this is no longer it. I have provided my proof of address and asked for this to be removed but it still remains. Please delete.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX sezzle double charged my Navy federal credit card {$150.00} for the initial payment for a pay in four plan. I reached out to XXXX  with proof from my statement and they said they show only one authorization on their side so there is nothing they can do so I filed a dispute with Navy federal who did an investigation and sent me a letter saying that they found no billing error. Also XXXX  is now saying that I need to make another payment since the one of the double charges was disputed even though it is showing as paid to XXXX  on my XXXX statement from my XXXX  account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

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 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System LLC reported an account in collections on my credit report supposedly from XX/XX/year>. I have no knowledge of the account and never opened anything with them or on that date in that year. I reached out to Jefferson and they are refusing to give me the proper documentation to support the claim and will not take it off my credit. This account was improperly put on my credit report and has negatively affected my credit dropping it significantly. Because of this being put on my account fraudulently and with them refusing documentation and removing it Im reporting them for not abiding by the law and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
it was a no date no amount that was took in place by the companys at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am request immediate action regarding these unauthorized inquiries that appears on my credit report. Please remove these inquiries immediately from my credit file. 
1. XXXX. XXXX-2023 2. XXXXXXXX XXXX-2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I made several extra payments toward the principle in XXXX that was applied to future months payments. I called several times to resolve the proper application of my payments and was assured it would be corrected. I've lost over {$2000.00} somewhere during the month of XXXX. I informed the company i was going to make an additional principle payment of {$38000.00} in XXXX and wanted it to be all applied to the principle. The payment was made and Chase applied it to future payments. The response says my next payment is due in XXXX. This is after they assured me it would all be applied to principle. I have called several times, spoke with several people and it is still wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MO

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Hunter Warfield for what is purported to be an XXXX XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: SC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CT

Complaint narrative:
I received a phone call last year in XXXX or XXXX from XXXX utility Company stating that an account with an unpaid balance of {$2400.00}. I filed a report that this account was a result of identity theft as my identity was stolen in XXXX. They stated that they would do an investigation. They then contacted me a month later stating that they would remove the account since I provided proof that I was not living at the residence where the account was opened and that this account was opened fraudulently. In XXXX of XXXX, I received a notification on my credit that a law firm by the name of LJ Ross and Associates placed a collection on my credit report for the amount of {$2400.00} collecting on behalf of XXXX. I demand that this account be removed from my credit report. I have reached out to them three times already to resolve this problem, they have refused to comply to the FCRA rules. Before I take this case any further, I decide to submit a complaint first before I contact them for a fourth time. If they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally address an issue regarding my XXXX XXXXXXXX XXXX XXXX  account. My account, referenced below, was incorrectly reported as disputed : Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2025 I did not initiate or request any dispute regarding this account. It appears this error was made either by XXXX XXXX or Equifax, leading to an unnecessary dispute status on my credit report. As a result, my account has been negatively affected. 

I request that XXXX XXXX and Equifax take immediate action to correct this mistake by removing any dispute status associated with this account and reinstating my credit card account without delay. Additionally, I request a written confirmation of this correction. 

Please address this matter promptly and provide an update within the time frame required by law. If you need further information to facilitate this correction, do not hesitate to contact me at the phone number or email listed above. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: HI

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of multiple late payments on my credit report. Despite making these payments on time, it continues to report them as late, which has significantly damaged my credit score. This situation is not only frustrating but also unjust, as I have upheld my financial responsibilities.

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 2025-04-01 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:
Im writing to address a serious issue with my credit report. It appears that an account has been mistakenly mixed with my information and belongs to someone else entirely. This is causing significant confusion, and I need this corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief