vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
According to FCRA Section 605 ( b ), it is illegal to report any information on my credit report without my consent. I kindly request the removal of this negative item from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
This is a formal dispute regarding the late payment reported on my account. Verified documentation confirms that no such delinquency occurred, making this entry both inaccurate and misleading. Its continued presence unfairly damages my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my credit card account ending in XXXX without prior warning. I had not been able to significantly reduce the balance due to high interest rates, which made minimum payments ineffective. I had plans to begin paying down this account in the coming months as new work opportunities became available, and I intended to eventually use the card to finance the purchase of a vehicle. By closing the account without notice, Chase has prevented me from executing this plan and has further damaged my credit profile. I am requesting that this decision be reviewed to ensure proper procedures were followed and that I am given a fair chance to resolve the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: AZ

Complaint narrative:
Date of Transaction : XX/XX/year> Amount of Check : {$1300.00} On XX/XX/year>, I deposited a check for {$1300.00} using XXXXXXXX XXXX Ingo Money check cashing service. The check was initially accepted through XXXX mobile app, and I followed all instructions given by Ingo Money, including marking the physical check as VOID as per their guidance. The transaction was initially approved for funding. 
However, shortly after, I was informed by Ingo Money that the transaction had been canceled, and the funds were not deposited into my XXXX account. I reached out to Ingo Money support, and they informed me that I needed to obtain a new check from the issuer, my former employer. This is not feasible, as I am unable to obtain a replacement check from my previous employer. 
I then contacted XXXX support multiple times. Each time, I was directed to Ingo Money, where I was told they could not assist further. Despite my repeated efforts to resolve the issue, I have not been able to get any other assistance from either Ingo Money or XXXX. 
As a result of this situation, I have been unable to access the {$1300.00} that was originally approved for cashing, which has caused significant financial hardship for me. I followed all required procedures and acted in good faith throughout the process, but I am now left without the funds I am entitled to. 
I am requesting that XXXX intervene to assist in the release of the funds or provide an alternative solution to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid my balance in full on Tuesday. Payment was cleared at my bank the next day on Wednesday. I called Thursday to see why my available credit was XXXX. The first person I talked to did inform me that there was a hold on my payment but didnt know why so I ask to speak to someone else. The second person I talked to was extremely rude and told me it didnt matter if my payment cleared there was a hold no matter what because I used my XXXX XXXX  account to make a payment online and that I should have went to XXXX and paid cash at the XXXX XXXX. The only hold that should have been on my account was until my payment cleared at the bank. Regardless, nobody in a customer service position should be telling what I should and shouldnt do especially a manger. If paying online with my debit card is a problem then why is it an option? I have no issue waiting for my payment to clear at the bank but to continue to hold it 5+ days after it has cleared at the bank isnt justified. Once its cleared at my bank its no different than paying cash at the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
Previous complaint - XXXX Subject : Continued Non-Compliance by Experian Failure to Substantiate Permissible Purpose for Inquiries Complaint Number : XXXX To the Consumer Financial Protection Bureau : I am submitting this follow-up in response to Experians XX/XX/year> reply regarding my complaint about unauthorized inquiries on my consumer credit file. 

Experians response asserts that entities who have certified to Experian that they have a permissible purpose may inquire about credit information. However, this generic explanation does not satisfy Experians statutory duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The law is clear : 15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency may furnish a report only if the consumer has given written instructions.

15 U.S.C. 1681b ( a ) ( 3 ) ( A ) A report may only be furnished in connection with a credit transaction initiated by the consumer.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) When a consumer disputes information, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 

Experian has not produced any documentation of my written authorization or proof of an application I initiated with the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Xactus XXXX Instead, Experian has relied on self-serving certifications by third parties without providing me, the consumer, with tangible evidence of permissible purpose. This is a direct violation of the FCRA. 

I reiterate my demand that Experian must either : Produce verifiable documentation of written authorization or consumer-initiated applications for each inquiry, or Remove the unauthorized inquiries from my credit file immediately. 

Failure to do so constitutes willful non-compliance under 15 U.S.C. 1681n, subjecting Experian to civil liability for damages, attorneys fees, and punitive damages.

I request the CFPB to compel Experian to provide documentary proof of permissible purpose or take corrective action by removing the disputed inquiries. Their continued reliance on boilerplate responses does not meet the standard of a lawful reinvestigation under federal law. 

Thank you for your continued attention. 

Sincerely, XXXX XXXX XX/XX/year> 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 2025-08-30 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:
Im disputing an inaccurate or incomplete item on my Equifax credit report related to a XXXX account ( # XXXX ). Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), Im requesting that Equifax verify the information or remove it if it cant be substantiated. I ask that a thorough investigation be completed within the XXXX legal timeframe, and that I be provided with the results, any supporting documentation, and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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 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 XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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 2025-08-30 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: TX

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES | 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.

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Credit bureau has my address as : XXXX XXXX XXXX XXXX XXXX, MI XXXX This is not my correct address I do not and have not lived at this address. My current address is XXXX XXXX XXXX XXXX XXXX, MI XXXX I want all other addresss removed 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit bureau has my address as : XXXX XXXX XXXX XXXX XXXX, MI XXXX This is not my correct address I do not and have not lived at this address. My current address is XXXX XXXX XXXX XXXX XXXX, MI XXXX I want all other addresss removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

Likewise these COLLECTIONS ACCOUNTS are also not mine.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX * Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year>, we submitted a letter requesting an appraisal of our home to remove XXXX. We've homes in our subdivision for sell that our comparable to our home, and their value puts our loan well below the threshold for XXXX. Our loan was moved to Shellpoint without our consent, just a notification. Shellpoint did not respond to the letter. We called only to be informed it was denied and closed without a reason. With the fluctuating housing market, the time taken to resolve this issue or receive an appraisal can become detrimental to the value of our home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MN

Complaint narrative:
Creditors, Collections, And Fraudulent Inquires 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

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 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 2025-08-30 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: MD

Complaint narrative:
writing to you today because I have done extensive research on my rights under the Fair Credit Reporting Act ( FCRA ) after receiving a response from your agency that claimed you " verified '' the information on my account but provided no details on how you did it.

This is a formal request for the Method of Verification ( MOV ) for the following account, as is my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Account in Question : Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXXXXXX In your previous response, you stated this account was verified. However, the FCRA isn't just about if you verified it, it's about how you did it. I need you to provide me with a description of the exact procedures used to determine the accuracy of the information I disputed. 

This must include, pursuant to the law : The name, address, and telephone number of the furnisher ( XXXX XXXX XXXX ) you contacted. 

The specific person or department you communicated with at XXXX XXXX XXXX. 

The precise data points you provided to them to conduct this verification ( like my name, SSN, the account number, and what specific field was in dispute ). 

The exact information and documents XXXX XXXX XXXX  provided to you that proved the account was accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act, I am disputing the following accounts. According to Section 609 ( a ) ( 1 ) ( A ), I have the right to request and receive evidence of account validation. Section 611 ( a ) ( 1 ) also requires a reasonable reinvestigation of disputed items. These accounts remain unverified. Please comply by removing them or providing legal proof of their legitimacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation