vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I am writing to request verification of a debt that your company claims I owe. I received a notice from you on XXXX XXXX XXXX regarding this debt, but I need more information to confirm its validity. 

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of any fees or interest.

3. Documentation proving that I owe this debt.

4. Proof that your company is authorized to collect this debt.

5. Was there an insurance claim on this debt from original creditor.

6. Was this debt written of as a loss on taxes from original creditor?

If you are unable to provide this information, I request that you cease all collection efforts and remove this debt 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 2025-03-05 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:
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXXXXXX XXXX Email : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate/Unverifiable Account Dear Experian, I am disputing the following account appearing on my credit report : Creditor Name : XXXX  Account Number : XXXX Reason for Dispute : This account was charged off and sold to another lender. Since XXXX no longer owns or services the debt, they can not legally verify it. Please provide proper verification of this account. If it can not be verified, please delete it from my credit report immediately. 

Additionally, I request the removal of any non-account holding inquiries older than 30 days. 

I have attached a copy of my drivers license, Social Security card, and proof of address for verification. 

Please respond within 30 days as required under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had several transactions that I received money and paid money to the XXXX XXXX I opened a Claim with my bank, which is Chase, but they called me for two days during working hours with a scan number and I didn't answer, so they charged me again and closed the Claim. Since XX/XX/XXXX I've been contacting them every day to send proof that I didn't make the transaction, but I haven't heard back from them. So I created a XXXX  account where they said there is no transaction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My birth name is XXXX XXXX. My whole life I have not been able to get credit due to the bureaus mixing up our names. 

Ive called, disputed, written and no one will listen to the complaints. 

I need my credit report to read 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 2025-03-05 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: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$150000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$15000.00} XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-03-05 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: OK

Complaint narrative:
I received a letter in my mailbox from the post office today from TRS recovery services stating notice further action necessary creditor XXXX XXXX transaction date XX/XX/year> principal amount {$36.00}. 

I checked my XXXX orders and I havent ordered anything since XX/XX/XXXX. I called XXXX and they said they would never send a letter like this and it was a scam. 

The letter looks serious and says I will not be able to write checks with more than XXXX merchants if I dont pay the debt. XXXX wouldnt process an order without being paid first anyway XXXX said its a scam so I called the place using XXXX to block my phone number to inquire about the debt. She wouldnt give me any information unless I gave her information first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
I had a collections account opened from XXXX with an amount of {$330.00} in XXXX when I left my phone plan with them and switched to XXXX XXXX. So that originally hit my credit at that time when it did not get paid. I got another notification in XXXX  that the SAME collections debt had apparently been sold off to another debt collector by the name XXXX XXXX who was now handling the XXXX collections, which they then hit my credit again in XXXX  when they resubbmitted the collectons debt to the credit reporting bureaus, dropping my points by XXXX points. So not only are they making it appear that the debt collections is newer, which it is not. But they are also rehitting my credit a second time, and reaging the debt so anyone who looks at my credit report now assumes I got a collections 2 years ago. Which was actually 4 to 5 years ago. I tried to call the debt collector company and they said there was nothing they could do, they purchased the debt from someone else which is why they had to resubmit it. They said all I could do was pay it off, and they would remove it. Which is FINE, I plan to pay it off within the next month or so but I want it dated correctly on my credit report before I pay it off. I know it can not be removed fully until after 7 years, but it should be dated XXXX on the original collections. I tried to dispute with XXXX, and Experian, but they both denied this on their end, I assume the company told them the same thing I am unsure. They might have thought I was asking for it to be removed, I am not. I want the debt, aged correctly. Just because they purchased the debt from someone else doesn't mean they can hit my credit again, making it appear like I just did this in XXXX. Its a lie, and not fair to me and how hard I have worked to get my credit up and pay things off. I have increased my credit by over XXXX points in the last 3 years, and them doing this has knocked me down by XXXX points. I just got rid of an account that was over 10-12 years old that tried to do the same thing and got those points back from XXXX XXXX  on XXXX alone . I am still waiting to hear back from Experian on them. It is wrong they think they can do this to people just because. Them doing this has also hit my credit showing that I have 30 day late payments, 60 day and 90 day. I have NO late payments for years. They are classifying it as late payment towards a collection. is that even allowed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was sent an promotional email from Chase about an offer where I could earn XXXX bonus points with Chase XXXX if I booked a hotel stay through the portal that was $ XXXX by XX/XX/XXXX and if I completed the travel by XX/XX/XXXX. I booked a hotel for XXXX XXXX XXXX. The website states that it could take up to XXXX weeks after travel to receive the bonus points. 

It is now XX/XX/XXXX and I still have not received the XXXX bonus points from Chase. 

I called in the beginning of XXXX ( XXXX weeks after my trip ) and they claimed to have escalated the issue. I received a letter dated on XX/XX/XXXX stating " Please allow up to XXXX weeks after travel is completed for for statement credit to post to account. '' I called again in XXXX and they stated they had escalated the issue, and I should be getting the bonus points. I called again on XX/XX/XXXX, and they are still not able to provide an answer to why the points have not posted in my account. They are claiming to escalate the issue again. I have not been able to speak to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-03-05 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an inaccurate and unverifiable entry on my XXXX credit report. The entry in question is related to a Rent Recovery account, which should no longer be reported for the following reasons : 1. The account has expired This debt is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ) and should have been removed from my credit file. 
2. The debt was never verified I previously requested validation of this debt from both XXXX and the original creditor, yet no proof was ever provided to confirm that this debt is mine or that it was reported accurately. 

Since this information is outdated and unverifiable, it is a violation of the FCRA for it to remain on my credit report. I am formally requesting that XXXX immediately remove this erroneous entry from my file. 

Please investigate this matter and provide a resolution as soon as possible. If necessary, I can provide further details to assist with the investigation. 

Desired Resolution : Immediate removal of the Rent Recovery entry from my XXXX credit report. 

Thank you for your time and assistance. 

I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, Rent Recovery numerous time over the last 7 years and more. I want to bring to your attention that both XXXX and XXXX have faced legal action for similar violations. Specifically : XXXX XXXX XXXX Settlements : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. Recent CFPB Enforcement : In XXXX, the CFPB took action against [ XXXX XXXX for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. XXXX XXXX XXXX XXXX XXXX : XXXX has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. Given this history of legal violations, I am requesting that [ XXXX XXXX promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. I expect a response and resolution within the required 30-day period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief