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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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: TrueAccord Corp.
State: OH

Complaint narrative:
The collections account in question is listed on my credit report under the name of TrueAccord Corporation XXXX XXXX XXXX, and it pertains to an alleged debt of {$240.00} from XX/XX/year>. However, I dispute the validity of this debt and believe that it is inaccurate, fraudulent and should not be included on 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 2025-04-01 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: VA

Complaint narrative:
I've applied for the XXXX XXXX and got approved on XX/XX/XXXX and applied for XXXX XXXX on XX/XX/XXXX and approved the same day. And today XX/XX/year>, both of those accounts got closed without any notice whatsoever, I called the customer service line, they told me to wait for the letters to come in the mails but I will miss out on the XXXX sign up bonus that I've been waiting for XXXX  years to get, this is absurd. 

I called in XXXX to report a series of unauthorized charges on my account because my card information was stolen while I was in XXXX XXXX, and Chase bank after investigation decided that I was responsible for the charges, I said ok if you said I'm responsible, what can I do then? I will gladly pay for it, but they closed my account outright due to bank policy violation, this is outrageous. It seems like Chase doesn't care about their customers, they just want to maximize their profits as much as they can. They closed both of my XXXX XXXX and XXXX XXXX at that time. So right now, all my XXXX cards are closed. All I'm asking is that, please reinstate my XXXX XXXX and XXXX XXXX, give me one more chance, and I'm willingly to work with you guys to prove that I'm not a scammer

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 result of identity theft
Company: United Credit and Collections Inc.
State: FL

Complaint narrative:
This is reporting to my report with inaccuraticy With. Joint account, a open account put its in collections, also never done business with united credit and collections

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 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!

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: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint regarding the XXXX XXXX benefit for my Chase Sapphire Reserve authorized card users. Their XXXX XXXX membership activation keeps getting delayed by Chase despite the authorized users being added since XX/XX/year> ( initially told activation will take 6 days, now again being told another 6 days as of XX/XX/year> ). The main intent of paying for my XXXX authorized users is for them to utilize the FULL benefit of the XXXX XXXX ( free entry into XXXX XXXX up to XXXX guests ). Chase did offer to reimburse the entry fee since there is a delay in XXXX XXXX activation, but ONLY FOR THE AUTHORIZED USERS and NOT for the XXXX free guests they plan on bringing ( XXXX XXXX XXXX  ). I do not feel it is fair, as this is false advertising on Chase 's part regarding the XXXX XXXX benefits.

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: FL

Complaint narrative:
I noticed that an account, which was previously removed, has been added back to my report. This action is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), and I demand that the accounts below be deleted immediately. Under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ), commonly referred to as the Reinsertion Law, it is unlawful for a credit reporting agency to reinsert previously deleted information without first notifying the consumer. The law specifically states that if a credit report entry is deleted because it was found to be inaccurate or incomplete, it can not be reinserted without proper notification. You are required to provide a notice of the re-insertion within five business days of the action. This re-insertion occurred without my knowledge or consent, and no notification was provided to me, which directly violates my rights as established by the Fair Credit Reporting Act. The failure to notify me of this re-insertion violates the clear guidelines established by 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ), and as such, I demand that the accounts below be deleted from my credit file immediately. 


Also, recently, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX unlawfully shared my sensitive personal and financial information without my express written consent. This disclosure constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ), which strictly prohibits the disclosure of a students personally identifiable information ( PII ) without the student 's explicit consent.

FERPA provides strong privacy protections for students, ensuring that any personally identifiable information related to a students education record may not be disclosed to third parties without the students written consent. I did not authorize the release of my personal information to XXXX, nor did I provide written consent to any credit reporting agency to include this information on my credit report. As a result, I am demanding a complete deletion of the accounts to rectify these violations.

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: Experian Information Solutions Inc.
State: PA

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: EQUIFAX, INC.
State: PA

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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I am disputing the accuracy of this account for the following reason ( s ) : I was not notified of any collections activity by Genesis XXXX XXXX XXXX or the original creditor. The dispute remarks indicate " resolved by grantor, '' but I was never contacted nor was the matter resolved on my end.

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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
{$24000.00} Despite for improper use of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
This company has placed a collection on my credit report as of XX/XX/year>, it has no details of what this collection is related to nor has enough information about the collection company.. I called this company to request demanding for them to tell me what this is all about, a womaen on the phone started getting attitude and the call did not go as planned. 
she would NOT provide any info and she claimed it was on a recorded call. 
This compnay is violating federal laws as well as XXXX  consumer rights about full disclosures. You doNOT get to slap peoples credit report with secret collections and refuse to answer when people demand for answers. 
This company needs to be SHUT down for its shady practices and all employees should be thrown in JAIL.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Refinanced my home with an online company called XXXX XXXX. They put me in an high interest loan promising to restructure the loan in 6 months. 3 months later they started selling my loan out to XXXX not mortgage companies. I've tried to Refinance away from them but they keep my credit destroyed. Now current collector keeps raising my monthly payments dooming me. This been going on for years and they won't give me a reasonable permanent modification. Please help me.. I've been XXXX now for 10 years. I can't take it anymore..

Company public response: Company believes it acted appropriately as authorized by contract or law
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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX, XXXX. 
I don't know who this company is, and they are reporting information about me about a judgement without my consent. I did not give them permission to report anything, and this has caused me harm. Therefore, I am filing a complaint against them AND I WANT THE INFORMATION DELETED FROM THEIR SYSTEM.

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: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX, XXXX. 
I don't know who this company is, and they are reporting information about me about a judgement without my consent. I did not give them permission to report anything, and this has caused me harm. Therefore, I am filing a complaint against them AND I WANT THE INFORMATION DELETED FROM THEIR SYSTEM.

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: CA

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 score dropped tremendously over the last 6 months due to an error. I have tried numerous times to correct it with no success. 

On XX/XX/XXXX it shows to have dropped XXXX points because dept of education reported a payment 90 days late. This happened because I didnt know I even owed Dept of Education debt. The school my granddaughter entered fraudulently signed me for her school loan. I had no idea they were doing it. They led me to believe they were simply using my income to get her a reduction in her payments. So I talked to Dept of Education and got the loan deferred until I can get that straightened out. I was informed that they reported to the credit bureau on XX/XX/XXXX that I was no longer in default. 

My credit report showed a XXXX point increase on XX/XX/XXXX and then dropped XXXX points again on XX/XX/XXXX due to some error .. it was involving the XXXX acct. again but not sure why. The explanation is very vague but definitely an error. 

I pay all of my bills very timely and am quite upset about this. I am trying soon to buy a house and need it straightened out satisfactorily. 

Thank you for any help you can provide!

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score dropped tremendously over the last 6 months due to an error. I have tried numerous times to correct it with no success. 

On XX/XX/XXXX it shows to have dropped XXXX points because dept of education reported a payment 90 days late. This happened because I didnt know I even owed Dept of Education debt. The school my granddaughter entered fraudulently signed me for her school loan. I had no idea they were doing it. They led me to believe they were simply using my income to get her a reduction in her payments. So I talked to Dept of Education and got the loan deferred until I can get that straightened out. I was informed that they reported to the credit bureau on XX/XX/XXXX that I was no longer in default. 

My credit report showed a XXXX point increase on XX/XX/XXXX and then dropped XXXX points again on XX/XX/XXXX due to some error .. it was involving the XXXX acct. again but not sure why. The explanation is very vague but definitely an error. 

I pay all of my bills very timely and am quite upset about this. I am trying soon to buy a house and need it straightened out satisfactorily. 

Thank you for any help you can provide!

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit score dropped tremendously over the last 6 months due to an error. I have tried numerous times to correct it with no success. 

On XX/XX/XXXX it shows to have dropped XXXX points because dept of education reported a payment 90 days late. This happened because I didnt know I even owed Dept of Education debt. The school my granddaughter entered fraudulently signed me for her school loan. I had no idea they were doing it. They led me to believe they were simply using my income to get her a reduction in her payments. So I talked to Dept of Education and got the loan deferred until I can get that straightened out. I was informed that they reported to the credit bureau on XX/XX/XXXX that I was no longer in default. 

My credit report showed a XXXX point increase on XX/XX/XXXX and then dropped XXXX points again on XX/XX/XXXX due to some error .. it was involving the XXXX acct. again but not sure why. The explanation is very vague but definitely an error. 

I pay all of my bills very timely and am quite upset about this. I am trying soon to buy a house and need it straightened out satisfactorily. 

Thank you for any help you can provide!

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