vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy of derogatory items appearing on my Equifax credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request a complete reinvestigation of the following account. Given the history of the Equifax data breach, I am especially concerned about the possibility of compromised or inaccurate information being reported on my file. 

The disputed account is as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} These accounts were previously challenged and resolved, but it has since reappeared on my credit report. I request that you verify this account with complete documentation, and if verification can not be completed within the legally mandated timeframe, the account must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
The company did not perform a proper investigation to validate this debt belonged to me. However I demand a method of verification of how this debt was validated XXXX XXXX XXXX. Under 15 USC 1692g ( a ) you have not provided proof that this debt is tied to me and you have failed to meet the obligations. This debt should not be reported at all unless it is properly validated : I demand a proper reinvestigation including the contract and purchase agreement with my signature : An itemized breakdown of the debt : Documentation of the method used to validate this debt with supporting records : the name and address of the person you spoke to with their number and any contact information If you can not provide this within 15 days by law you must stop reporting this immediately

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 2025-04-25 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: IL

Complaint narrative:
The company did not perform a proper investigation to validate this debt belonged to me. However I demand a method of verification of how this debt was validated XXXX XXXX XXXX. Under 15 USC 1692g ( a ) you have not provided proof that this debt is tied to me and you have failed to meet the obligations. This debt should not be reported at all unless it is properly validated : I demand a proper reinvestigation including the contract and purchase agreement with my signature : An itemized breakdown of the debt : Documentation of the method used to validate this debt with supporting records : the name and address of the person you spoke to with their number and any contact information If you can not provide this within 15 days by law you must stop reporting this immediately

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 2025-04-25 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: NC

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2300.00} INQUIRIES : XXXXXXXX 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 2025-04-25 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: IL

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 2025-04-25 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: VA

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 2025-04-25 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: VA

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 2025-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have been a customer of JP Morgan Chase bank for over 25 years without incident. I've maintained balances into the XXXX figures in this bank. I've also had XXXX Chase credit cards. Have never overdrawn and account and have never missed a payment on a credit card ever in my life. Out of the blue they called me XXXX weeks ago and informed me that they will be terminating their relationship with me which means closing all of my, my wife 's and even my brother 's accounts. They will not tell me why they are terminating this relationship nor have they provided a timeline during which I can expect account closure. Nevermind the incredible inconvenience of having to change all my auto pays and bill pays for nearly 100 different monthly transactions. This has caused incredible hardship as the uncertainty of the location and availability of my funds during tax season has been problematic to say the least. Furthermore, this will damage my credit reports as my oldest revolving credit accounts ( 20 years! ) will be removed from my report. JPM exists as a XXXX XXXX XXXX  entity because our government bestows upon it the privilege of collecting consumer deposits. How can they possibly treat their customers like this and get away with it? What happens if XXXX, XXXX etc all decide to treat me the same as JPM has? What then are my options as a tax-paying citizen of this country? This is shameful and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Rent Recovery Solutions
State: NV

Complaint narrative:
REQUEST FOR DEBT VERIFICATION To : [ Rent RecoveryXXXX XXXX XXXX  Account XXXX To Whom It May Concern, I, [ XXXX XXXX ], have received information regarding a debt that is being claimed against me. Under my rights, as guaranteed by the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I hold the right to verify the total debt amount, including any fees, and to know the original party making the claim.

Within the 30-day period allotted to me under federal law, I request the following information : 1. Verification of Debt Amount : Please provide detailed
documentation showing the total amount owed, including any interest, fees, or other charges associated with the debt.

2. Original Creditor Information : I request that you disclose the name and address of the original creditor who initiated this debt.

3. Proof of Ownership : Provide evidence that you have the legal right to collect this debt.

If it is found that there is no valid evidence of this debt under my name, I demand that all credit bureaus and financial institutions be informed accordingly. Otherwise, I reserve the right to file a complaint with the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and may be subject to state and federal penalties.

Please send your response to the address provided above within 30 days from the date of this letter. If you fail to provide the requested information within this timeframe, the collection will no longer be considered valid. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
Dear LexisNexis XXXX XXXX  XXXX XXXX, This letter is submitted in connection with CFPB Complaint # XXXX. As previously stated, I am the victim of identity theft. LexisNexis is reporting inaccurate and unverifiable information in my consumer file despite my Security Freeze and previously submitting an FTC Identity Theft Report. 

Specifically, my LexisNexis report incorrectly lists : Wrong names/aliases ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses where I have never lived ( including addresses in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and incorrect XXXX addresses XXXX Unauthorized phone numbers ( XXXX, XXXX, and XXXX area codes not belonging to me ) Unauthorized email addresses ( like XXXX and others ) Utilities and insurance-related information linked to addresses I have no connection to My correct information is : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX : ( XXXX ) XXXX Email : XXXX LexisNexis failed to properly block identity theft-related information under FCRA 605B, failed to maintain maximum possible accuracy under FCRA 1681e ( b ), and continues to share unverifiable data obtained through unreliable third-party aggregators without proper consumer authorization or verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one XXXX XXXX charged me a late fee of {$40.00} for my missed XX/XX/year> payment. I called them and told them about the CFPB new law of maximum of {$8.00} late fee. They told me that law doesn't apply to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was tricked into transferring {$4000.00} via Bank of America mobile transfer to a recipient named XXXX XXXX ( account ending in XXXX, routing number XXXX ). The recipient falsely promised to provide a product or service, then disappeared after receiving the funds. 

I filed a fraud claim with Bank of America ( Case ID : XXXX ) and submitted all documentation including XXXX screenshots and a full transaction receipt. I also reported the scam to the Federal Trade Commission ( FTC Report XXXX : XXXX ). 

I believe this is a clear case of inducement fraud and not a simple transaction error. I visited a BoA branch to fax in all supporting materials, but was told the process may take up to 90 days. I am concerned that without urgent escalation, the funds may not be recoverable.

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 2025-04-25 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: NJ

Complaint narrative:
This is not the first time I am raising this issue, and I must emphasizethis complaint is not submitted in error. Despite previous attempts to address the matter, my credit report still contains inaccurate information that has yet to be corrected. 

These discrepancies are not only misleading but are also continuing to cause significant harm to my credit standing and personal well-being. I am deeply frustrated and disheartened by the lack of resolution after multiple efforts to fix this. The ongoing impact on my financial stability is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I will not REST until this is corrected. 

All of the information being reported is false. My account was not dinged for $ XXXX was for {$0.00}. Several of your representatives have already confirmed this ( on a recorded line ). 

During my call with your representative on XX/XX/year>, she essentially proved my point : your online portal displays one amount due, while your internal system reflects something completely different. Ive provided screenshots showing this discrepancy and am requesting that the inaccurate information that was reported be removed immediately.

Your online portal is instructing customers to pay one amount, but your internal system is calculating something else. Ive already tried to warn you that your system is not accounting for cents in the amount due. If this issue continues, and your portal remains unfixed, it could potentially lead to legal action. 

As of yesterday, the portal showed a past due amount of {$520.00}, while your representatives system indicated {$520.00}. Had I not been on the phone with her, I wouldve unknowingly paid the wrong amount and been marked lateover just {$0.00}. Lets be real : no one paying {$500.00} would intentionally skip {$0.00}. 

XXXX needs to take accountability and resolve

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I will not REST until this is corrected. 

All of the information being reported is false. My account was not dinged for $ XXXX was for {$0.00}. Several of your representatives have already confirmed this ( on a recorded line ). 

During my call with your representative on XX/XX/year>, she essentially proved my point : your online portal displays one amount due, while your internal system reflects something completely different. Ive provided screenshots showing this discrepancy and am requesting that the inaccurate information that was reported be removed immediately.

Your online portal is instructing customers to pay one amount, but your internal system is calculating something else. Ive already tried to warn you that your system is not accounting for cents in the amount due. If this issue continues, and your portal remains unfixed, it could potentially lead to legal action. 

As of yesterday, the portal showed a past due amount of {$520.00}, while your representatives system indicated {$520.00}. Had I not been on the phone with her, I wouldve unknowingly paid the wrong amount and been marked lateover just {$0.00}. Lets be real : no one paying {$500.00} would intentionally skip {$0.00}. 

XXXX needs to take accountability and resolve

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I keep getting emails from XXXX about my account that I've never used. Tried online to cancel the account, now I receive messages that the account is frozen. 
Called XXXX to try and cancel, but they won't cancel until I send a government issued ID. I'm not sending anything. Just want the account cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
put a hold on my credit card account because they said I don't have the correct bank info yet on XX/XX/XXXX accepted XXXX payments for {$30.00} and {$20.00}

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 explanation
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-25 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: CA

Complaint narrative:
My information was breach in XXXX DATA BREACH 2017 and I am asking for immediate removal of fraudulent accounts.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I moved credit card balances from one card to two others creating a zero change in credit outstanding to get zero % financing. However because the banks ( XXXX XXXX XXXXXXXX paid down ) XXXX XXXX and XXXX increased but the XXXX XXXX XXXXXXXX was reported XXXX and the other on XX/XX/XXXX the XX/XX/XXXX reporting resulted in a XXXX decrease in my credit score even though my total outstanding credit balances was down $ XXXX from XX/XX/XXXX and no accounts had been closed. My ratios are better than they have been in years but this timing of reporting caused this reduction from excellent to barely good I can not get reasonable lending rates. I spoke with a counselor and to get my credit back up XXXX pts I would have to pay off 100 % of my credit card debt and wait 3-6+ months. This is when I already went from $ XXXX of credit card debt to $ XXXX of credit card debt from XX/XX/XXXX to XX/XX/XXXX. How is this even allowed. I don't even have 10 % borrowed on by open credit lines of $ XXXX and my credit is now in the tank with no possible way to recover simply because all the banks don't report on the same day. This should be illegal the credit reporting agencies should have to look at, at least the 30 day trend before sacking my credit score to unrecoverable depths. If my total outstanding credit was up that would make sense, but this does not and should not be allowed. My credit score is worse than when I had a 23 % borrowing ratio. I also reported to Transunion that they don't have an updated balance for XXXX XXXX XXXXXXXX even though XXXX XXXX XXXXXXXX says they reported but apparently, I can not dispute the fact that reporting is missing. This credit bureau shows I have $ XXXX in outstanding debt which is double the correct amount as of XXXX and XX/XX/XXXX. So now my auto loan went from 5 % to 10 %!!!! and I have to have a new car as mine has broken down too much with $ XXXX in rental car charges.

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