vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there are fraudulent/unauthorized inquires 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 2025-03-08 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$12000.00}, XXXX XXXX {$240.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$2800.00}, XXXX XXXX balance {$160.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX in balance {$3600.00}

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 2025-03-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My car was totaled on XX/XX/XXXX. At that time, my loan balance was XXXX. My insurance company paid over XXXX to Chase Bank, I have already made my regular monthly payment of XXXX, putting my balance at XXXX. 

In XXXX my auto payment of XXXX was reverted from capital XXXX, I then made a direct payment from my XXXX XXXX  account of XXXX to Chase bank, In XXXX the payment was reverted from XXXX  XXXX again due to insufficient funds, I then made a direct payment of XXXX from my XXXXXXXX XXXXl Account of XXXX to Chase Bank towards my auto loan, bring my balance down to XXXX which is reflected on my monthly statement. In XXXX, the auto payment of XXXX was reverted again. This time I could not make the full payment of XXXX because the balance that the system allowed me to pay was XXXX, so I made that payment of XXXX On XX/XX/XXXX, I called the bank to inquire about my loan and I was told that it is closed and I have XXXX balance. I asked for a break, and I was told they received my XXXX XXXX check from XXXX XXXX, one for XXXX and the other for XXXX. The check for XXXX was posted to my account and I will be getting the check for XXXX as a refund. 
On XX/XX/XXXX, I called inquiring about my additional refund, when I was told that there is no refund and the check for XXXX was returned to XXXX. 
On XX/XX/XXXX, when I checked my account, I saw a new balance of XXXX reflecting past due payment. 

I called the bank, I was given the run around, I went to the Branch and a report was sent over to the auto loan department. 

I strongly feel that this will go nowhere without professional help, and based on my monthly statement and the checks paid over to the bank on my behalf, I strongly feel that they are refusing to pay over my reimbursement and also defrauding me into paying extra money. 
awaiting your response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  standards. Due to the Equifax data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.

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 2025-03-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  standards. Due to the Equifax data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
This has been going on since XX/XX/XXXX/2025 I opened the account on XX/XX/XXXX25 got a debit card and checks had mobile banking even transferred money from another account into this account I received my NYS tax check in the amount of {$480.00} I used mobile deposit it was approved and in the account then all of a sudden there was u usual activity on my account so they locked it I called was told too send a picture of my ID SOCIAL AND A LETTER requesting to reactivate my account I did that told me too call back in 48 hrs so I did and then they proceeded too tell me they needed copies of my income tax return too verify the check which they had already cashed so I sent that as well once again 48 call back and was told all of my documents were blurry which they werent because I have the copies that were sent in my email again on the phone with numerous people and was for a third time I have too send a copy of my ID SOCIAL I DID havent heard anything the account is still locked I told them they legally can not hold my money and they are supposed too send me a check with the remaining balance and they said they cant do that I said yes you can thats my money!! I dont understand what my income return has too do with my check being cashed and was also told I had too verify that check and I told them that is their job as a bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Kindly remove and block the unauthorized accounts on my credit report at your earliest convenience. I did not authorize these accounts and have no knowledge of their origins. As per USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: New Hampshire Northeast Credit Services, Inc.
State: VT

Complaint narrative:
A lady named XXXX claimed to have my personal information but wouldn't tell me what conpany these calls were coming from i found the letter called back and told her everything had been paid and to stop calling she continued to call and verbally abuse me and put a false report on my credit despite calling the original creditor and clarifying and informing her. She is a creul person with many complaints in the XXXX reviews and XXXX  reviews i thing this is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off accounts, which I believe are incorrect and misleading. 

According to the Fair Credit Reporting Act ( FCRA ), XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : [ Provide detailed information for each disputed item including the account number, the name of the creditor as it appears on your report, and the reason for your dispute. ] Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience. 

I would also like to highlight that under Section XXXX ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified. 

In addition, according to Section XXXX ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section XXXX of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the 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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
About a week ago I was scammed out of the remaining balance in my chime account through an XXXX XXXX transaction. 

I was called my a person who already had my account information, posing as a chime agent helping me with fraudulent activity. As soon as the money was taken from my account via an XXXX XXXX transaction I called chime support about the fraudulence, to which they said nothing could be done until the payment fully processed. Once the payment did fully process, I disputed the transaction and uploaded supporting limited evidence showing the address that was changed on my account, and any email alerts sent to me while the hacker was invading my account. I should also note that in order to prove that the agent was a real chime agent, they had me read the customer service number on the back of my chime card, which matched the number they were calling from. 


My dispute has since been denied without proper investigation, and I have since reopened this dispute. Im hoping filing this will further help any efforts on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I believe Navient ( previously XXXX XXXX ) and my school engaged in predatory lending against me. I was told in order to attend the school I could not get federal aid, and as a XXXX back in XXXX who wanted to attend college, I took them on their word. Why wouldn't I, they had no reason to lie to me. But come to find out my school had a pattern of misconduct that has been since well documented. I was given no credit counseling, truth in lending disclosures were not made available to me and no one explained to me how repayment would happen or when. All I was told to do was fill out this form for them and they could supply to money. I borrowed {$100000.00} and fast forward XXXX years my balance is now over {$140000.00} and I have made by my calculations {$50000.00} or more in payments. Navient never gave me a chance to make payments that I could afford my only option was to continue to take forbearances because I struggled to make any money, for about XXXX years after college, never working in the industry I got my degree in. Navient continues to only give me a short-term option that is still out of my reach for monthly payments and when one ends and I start another, they payment gets anywhere from XXXX dollars more each time. I have written letters explaining my situation and my financial struggles but to no avail only XXXX option has continued to persist, and I only fall deeper into debt. As seen in the public eye Navient has been involved in my high-profile class action lawsuits regarding similar cases just like mine and lost in court. Navient is more than couplable and all I have ever asked was for a more reasonable way to repay but as the XXXX  years have gone by, my debt will never be paid back and only continues to grow as my family continues to struggle. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
They have no way of validating the debt. They have no documentation that confirms that the debt belongs to me, they do not have a debt contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX mailed me a letter alleging a debt, dated XX/XX/XXXX. I then sent a certified letter requesting VALIDATION of the alleged bebt, dated XX/XX/XXXX. 

On XX/XX/XXXX, I recieved a letter from XXXX XXXX XXXX that failed to provide proof that the alleged debt was mine ( enclosed ). They just sent a list of charges with my first and last name on it. The address, email, and everything on their letter does not identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Im writing because Ive noticed an issue with the information reported on my credit report thats not in line with FCRA guidelines. The accuracy of this item is clearly compromised, and its affecting my credit in a way that it shouldnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FL

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-08 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: GA

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

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

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

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

Company response to consumer: Closed with explanation