vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am having an issue with Chase Bank online banking. ChaseXXXX locked me out of my online account. They denied access to my account despite I attempted to log in with the correct username and password I have been using for the past 10 years. I called the customer service numerous times. Every time, I answer all the security questions they ask me. I am constantly put on hold. Near the end of each call, the representative says he is being logged out of system due to running out of time. At the end, he tells me to call back after 24 hours at the end of call. I called about 8 times. I can't get this issue fixed by calling & emailing. The representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
Our family ran into some financial difficulties in XXXX, resulting in a large amount of accumulated debt. Both my wife and I were out of work for stretches of time, and I was in a different line of work not earning as much as I had been when I was employed. 

The amount owed including interest/fees/etc is approximately {$19000.00} to XXXX. They sold the debt to Lyons , Doughty & Veldhuis. They have not been willing to arrange a payment plan that is reasonable, and are now trying to garnish wages at a rate much higher than the already unreasonable amount they proposed. Their proposal was approximately $ XXXX ( well beyond what our family of XXXX can afford ), and with garnishment, it would be $ XXXX. We would lose our home if that's the case. 

Again, I am willing to settle for a more reasonable payment, but no flexibility has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ref : Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Account/Loan # XXXX Auto loan XXXX XXXX XXXX XXXX # XXXX Did not notice a lien on truck until Tag office told me, I contacted Ally Financial XXXX, XXXX, they looked up info and gave me account number said a balance owed of {$1000.00}. I told them that the truck was paid off over 10 years ago and I had never received any late notices or letters from them and I had lived at the same address for over 13 years. My father and mother paid this off over 10 years ago. My father passed away 4 years ago and my mother just passed recently, so I have no way to get proof. 
After research I did find a law " Time-Barred '' debit that once statue of limitations has passed of 5 years it is illegal in the state of Oklahoma to collect on a debt based on a written contract, including promissory notes. I have NEVER received a late notice or past due notice from Ally Financial and until I called them nothing was ever reported to a credit bureau. 
I sent the attached letter to Ally Financial requesting a lien release on XX/XX/XXXX, it was sent certified mail through the post office. I had not received any response from them so I called them again and they said they could not find that account number or any info on me or the truck. I told them they gave me the account number and all the information in XXXX, XXXX, they said they could not help me. 

About a week later I received a letter from XXXX XXXXXXXX XXXX ( see attached ) they are trying to collect {$1000.00}. I sent a certified letter in reference to their account # XXXX to XXXX stating that they can not collect on this debt because it is past the 5 years statue of limitations. I sent the letter return receipt through the Post Office and it was signed for XX/XX/XXXX by XXXX XXXX, see attached copy. I have not received any response from them. I called them and they wanted me to give them a debit card number. I did not give them one. I need to get this resolved so that I can get the title to this truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Im reaching out because there are accounts listed on my credit report that are completely inaccurateand I want them removed immediately. Let me be clear : I did not open these accounts, nor did I authorize anyone to open them on my behalf. They are not mine, and they should not be there. This is a serious issue, and Im treating it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: 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 non-monetary relief
Consumer complaint received 2025-05-07 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: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
I called Commenity to pay off my credit cards that were late, I asked for the late payment history be removed on both of my commenity accounts ( XXXX XXXX and XXXX XXXX XXXX ) the representative said absolutely it would be removed and updated as current. I paid both in full, all the fees as well, and it has yet to be updated and the late payments removed. I have requested and disputed online several times, and I keep getting responses back saying they think it's a fraudulent request from someone other than myself, which they know is not true. I paid in full and all the fees assessed by them for being late in good faith that they would hold up their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
I requested, from Bridgecrest, a full copy of my signed loan agreement, including all Truth in Lending disclosures, payment schedules, interest rates, fees, and any other terms associated with my account. And they have not sent what Im requesting. They keep telling me to call customer service, which I have multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
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 2025-05-07 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, 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 2025-05-07 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: IL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-07 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I was put on a trial plan by Selene XXXX  in XXXX of XXXX. I made a payment in XXXX via wire transfer, it was received but not accepted. I have been paying {$1200.00} a month per the trial plan, when my initial payment was {$680.00}. I made the payment for XXXX over the phone, I was told I could do that by the customer service representative. I made the payment, it was received. I was told that because I made a payment in XXXX that wasn't apart of the trial plan, they would move the payment to cover the XX/XX/XXXX amount. I was happy with that. I made a payment for XX/XX/XXXX for the month. A week later, I get a call that they didn't receive my payment. I gave them the wire information and confirmation number. The payment didn't process correctly in their system as it showed that I paid {$5.00}, then the rest was on another transaction. Weird. I got a letter in the mail stating that due to lack of payment, I was kicked off of my trial plan and my house was in active foreclosure. I have made every payment ( except XXXX, because they said they would move the XXXX payment ). They have put tickets in EVERY SINGLE TIME THEY CALLED FOR MONTHS to get this resolved. I even had the representative who put the first ticket in to help me in XXXX to get this resolved to see that the XXXX ticket he put in was still 'Open ' in the month of XX/XX/XXXX. As of XX/XX/XXXX, their system has not recognized my XXXX mortgage payment and I was not in active foreclosure when that payment was made, so where is it? I called them yesterday, XXXX and they said that I had to send them " Proof of payment '' as they didn't have records that I made any payments for XXXX and XX/XX/XXXX. This is the XXXX or XXXX time that I've sent them the same bank statements. I've paid every month, but because of their ATROCIOUS BOOKKEEPING SYSTEM, I am in active foreclosure despite making every monthly payment. They are claiming that the XXXX payment was returned, but I didn't get the money back or anything, in fact, it was a wire. I have attached my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am writing to formally dispute and report a fraudulent auto loan that appears on my credit report and/or account under the reference number listed above. I did not apply for this loan, nor did I authorize anyone to do so on my behalf. 

Upon reviewing my credit report and financial records, I discovered that an auto loan was taken out in my name without my knowledge or consent. I believe I am a victim of identity theft. This account is fraudulent and should be investigated and removed immediately from my records. 

Please consider this letter a formal request to : XXXX. Investigate the origin of this auto loan. 
XXXX. Provide all documentation and applications related to the loan. 
XXXX. Remove this fraudulent account from my credit report ( if applicable ). 
XXXX. Confirm in writing that you have taken the necessary steps to resolve this matter. 

Enclosed are copies of supporting documents, including : A copy of my government-issued ID A recent utility bill A copy of the relevant credit report showing the fraudulent account FTC Identity Theft Report Please acknowledge receipt of this letter and respond within 30 days as required under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved promptly, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or take legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-07 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-07 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My data was breached by TransUnion and XXXX someone used my information to open a XXXX XXXX account XXXX XXXXXXXX balance due {$4600.00} due XX/XX/scrub> 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