vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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:
After recently pulling my credit report, I noticed a charge-off account : XXXX XXXX XXXX - XXXX. This account is reporting inaccurate information, listing a charge-off for two consecutive months. If an account is charged off in XXXX, it can not be charged off in XXXX. Section 607 ( b ) of the FCRA ( 15 U.S. Code 1681e ( b ) ) states that Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have disputed this account multiple times, and Experian has stated that it is accurate without providing any proof of validation or investigation. Additionally, the information inaccurately reports consecutive months of a charge-off, which is a violation of the FCRA Section 607 ( b ). I demand that this account be properly investigated and Experian provide proof of a proper investigation, including account history, identity verification, and all payment history. If not, this account violates the FCRA and needs to be removed from my report 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX for reporting a {$2400.00} medical debt from XXXX XXXX XXXX on my credit report ( reported XX/XX/year> ) without proper validation, notice, or itemized breakdown. 

I previously attempted to contact the agency and dispute this information through the appropriate channels. I did not receive proof of the debt, verification of their legal authority to collect, or an itemized statement per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Despite the lack of response, this collection account has been reported as a derogatory mark to the credit bureaus. This is a direct violation of my rights under federal law. 

Furthermore, I was never notified by the original creditor ( XXXX XXXX XXXX ) that the debt would be transferred or sold to a third-party collector, nor was I given an opportunity to resolve the balance beforehand. 

I am requesting that the CFPB investigate this matter and require XXXX XXXX to provide : Full validation of the alleged debt ( including itemized billing ) Proof of assignment or purchase of the debt Immediate removal of the collection from all consumer reporting agencies until such validation is provided I am also requesting this item be permanently removed if proper validation can not be supplied. I am willing to cooperate with any additional information needed for your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received my billing statement from Bank of Montreal ( BMO ) for account number XXXX for the billing period ending XX/XX/year>. I scheduled payment in full to be paid XX/XX/year> in the amount of {$610.00}, prior to the payment due date. 

On or about XX/XX/year> I attempted to use the card at a restaurant and payment was declined. I subsequently contacted BMO customer service and I was told the account was closed. There was no reason given and there was no prior notification. I never had a late payment or any previous issues with this card. 

I subsequently received a bill for the period ending XX/XX/year> that included a late payment fee in the amount of {$25.00} and interest in the amount of {$9.00}. XXXX was not received by them due to their own actions of closing the account. I had no reason to believe they had not received a scheduled payment prior to my receipt of the XX/XX/XXXX statement. 

I again contacted customer service and they refused to waive any late charges or interest. 

I subsequently sent in a payment of {$550.00} with a cover letter stating that this was PAYMENT in FULL, also so marked on the physical check. BMO cashed this check. This was the amount owed for actual charges on the card. 

Subsequently, they continue to send out statements with a claimed balance due that is only for late charges and ever increasing interest accrued balances.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you. 
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

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
The debt collector Apple Card engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. Also, the proper XXXX step validation procedure wasnt followed. Which makes this unfair practices, according to the FDCPA Im entitled a XXXX dollars per violation and obviously they violated my rights. These false allegations have made my life hard because I was denied credit cards, home and car loan to get to work and so I wont be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a Experian ID theft restoration with a mortgage account broker from a data breach.Mr. XXXX XXXX with manager XXXX XXXX. Showing my account was compromised with the delay of payment XXXX affidavit and due process of collection from the mortgage. I was asked to open a ID theft of my unsolicited email account hack with forged account hack. I have a problem with the email recovery was not provided on the account and the credit bureau sent a inaccessible mortgaged delay if payment account hack to my financial institution. I am asking to get the XXXX  with my account with my insurance policy from the XXXX XXXX and XXXX XXXX XXXX cloud storage hack with XXXX account. My account was stolen and billed from a telemarketer showing barred accounts with my email from suspicious account error log in activity from financial statement. I was asked to file a IC3 complaint and forgery with the attorney for arbitration and XXXX  with my credit report. I have a case open for ID restoration of my account but the account was restricted from the mortgage citation and XXXX  from the data broker. I was asked to send the citation in to the barred attorney from the administration XXXX XXXX with inaccessible ID theft of my compromised email with stolen phone from cracked screen routed to my log in with whats app on my XXXX phone XXXX. Showing my account was hacked with my log in from XXXX. My account was pawned on the XXXX website with my email XXXX. I have a citation from a barred attorney XXXX XXXX XXXX  or some kind if XXXX  attorney filed a warrant the magistrate office. I lost my account access. I have contacted the XXXX XXXX XXXX with the hack. My account was unstable and compromised from my binding agreement. I asked to make a claim for inaccessible insurance policy from cloud storage data base on my XXXX account email. It was unsolicited and showing phone hacked by XXXX XXXX with the XXXX XXXX ID theft restoration claim. XXXX Identity theft hack claim from my XXXX  case with unsolicited email from Experian. I also wanted to file a claim with Experian showing ID theft restoration of my XXXX up business account with snow flake cloud storage in business with XXXX XXXX XXXX shiny hunters hack from compromised unsolicited email from yahoo XXXX. I also set up a recovery account with my email from my business account phone and it was showing a data breach with my email XXXX from the pawned website.

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
The debt collector JPMCB engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. Also, the proper XXXX step validation procedure wasnt followed. Which makes this unfair practices, according to the FDCPA Im entitled a 1,000 dollars per violation and obviously they violated my rights. These false allegations have made my life hard because I was denied credit cards, home and car loan to get to work and so I wont be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : AFFIRM XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-29 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation winXXXX XXXX XXXX XXXX to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: AK

Complaint narrative:
Here is the email I sent to the Planet Home Lending which sums up the violation of law : Dear Planet Home Lending, This is to inform you that an excessive and illegal amount is being charged for our property tax escrow payment for the above address. XXXX AK has an exemption from assessed value of {$75000.00} for residential use and {$150000.00} for XXXX XXXX ownership. See this link from the XXXX of XXXX : XXXX XXXX XXXX  You will note that we will have {$220000.00} exempted out of our {$250000.00} assessment, to go in effect for the XXXX tax year. 

I have received official word that I have been approved for these exemptions ( the attached letter from the XXXX gives you the link to see our present assessed value ). This exemption will reduce my monthly tax bill from {$340.00} to {$35.00} ( under current millage rates and assessment ). The exact bill for my taxes for XXXX will be released by the XXXX on XX/XX/XXXX. 

The XXXX  tax was paid upon closing. You retain an additional 2 months escrow under the XXXX  figure, totalling {$340.00} x XXXX = {$690.00}. This constitutes $ XXXX = XXXX months of XXXX  property tax escrow held by you. If nothing changes, every subsequent mortgage payment will cover an additional XXXX months of property tax. In about 35 months or a little less than 3 years you will have taken in escrow our entire tax liability for the course of our 30-year mortgage! 

I hope we can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX account ending in XXXX Balance : {$1500.00} Originally XXXX XXXX Rental. No validation of this collection account has been issued to me. This is a clear violation of 1692c if communications or reporting occurred without my consent or verification. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account ending in # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
After I requested the companies to provide validation and accuracy for all negative information on my report. Nothing happened

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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I called the company to ask them to stop reporting this XX/XX/XXXX year old debt on my credit report. I asked if they can send the original report of when I very first had this sprint account to my email and the person kept changing the subject. I told them it is illegal to change the debt they took over the debt and restated it and its showing the debt was in XXXX. I never had sprint again after the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NC

Complaint narrative:
I have received three IRS forms of XXXX from creditors ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  ) showing a cancellation of debt and Ive submitted these evidences to the credit bureaus ( transunion, Experian and equifax ) for my credit file to be updated. And due to lack of proper investigation, these accounts remain reporting inaccurately. I submit this complaint under the penalties of purgery and wish that a proper investigation be done and accounts removed to reflect the satisfaction of the evidence provided. This is harming my character and causing me extreme emotional distress and suffering. I can not get approved for credit and loans due to these inaccuracy. I will also file a attorney general complaint, office of comptroller of currency, and all other agencys necessary, before obtaining legal counsel for a civil suit

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 2025-06-29 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-29 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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