vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : Experian XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

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 2025-05-01 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: IN

Complaint narrative:
I have requested these specific items be corrected as in prior compalaints again these are not being investigated properly. 

XXXX. Your Account Dispute has been updated. 

XXXX XXXX, XXXX The account with CREDIT CONTROL SERVICES INCthat starts with XXXX has not been changed and will remain on your credit report. 
Source : Experian Date Submitted : XXXX XXXX, XXXX  Report Number : XXXX Account Number : XXXX Company : XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX * * * This said debt was bought by a debt collector in which XXXX XXXX XXXX XXXX The orginal debtor has written off this charge for tax purposes so that invalidates the debt for which the collector has attempted to recoup this debt I DO NOT have a contract with Credit Control XXXX XXXX XXXX The account with XXXXthat starts with XXXX has not been changed and will remain on your credit report. 
Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX This account has been satisfied and paid in full even recieved a refund. 
The past due status is reflecting negative on my report and I violates my consumer rights according to FCRA ( XXXX XXXX Code XXXX et seq. ) : This Act governs credit reporting agencies and the information they can include in credit reports. It doesn't mandate immediate removal of paid debts, but it does require agencies to include accurate information. If a debt is paid, the agency should reflect that payment in the report. 
Negative Information Reporting : Both the FCRA and the FDCPA emphasize the accuracy of information reported on credit reports. While paid debts may still be listed, the reporting agencies should reflect that the debt has been paid This is reflecting past due payment XXXX XXXX. XXXX outlines rules regarding the timing of payments on credit cards, preventing creditors from unfairly marking payments as late. 

Address : Customer Service XXXX XXXX XXXX, XXXX, FL 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My business checking and savings accounts were hijacked and drained of all monies until closed due to overdrafts. I went to Chase Bank on XX/XX/year> to discuss the issue and was told by XXXX XXXX XXXX XXXX that she was unable to locate any accounts with any activity using my business ' tax-ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my last hope, I have attached supporting documents

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
I received an email from XXXX XXXX saying my credit score dropped XXXX points. So I logged in and saw there were 2 accounts in collections. The first was for {$1900.00} with XXXX and XXXX. The second was for {$2500.00} with XXXX XXXX XXXX XXXX XXXX. 

I have never lived in XXXX  and do not plan on living there.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
4 years ago, I was discriminated against by XXXX XXXX. I had a checking and savings account with direct deposit going into it. XXXX day, I went into a branch in XXXX  to deposit cash into my checking account, and the employee informed me about bill pay. We set it up while I was at the branch. She told me how she uses it, which is to pay her rent. I told her that I intended to use it for the same purposes. Well, a few days later, I am informed that my account is restricted due to check fraud. This caused me to be upset and sad. At the time, I had a credit card and was building my credit up with XXXX XXXX and soon planned to finance a car with them. To me, they were an amazing bank. However, they restricted my account and crushed my dreams.I was EMBARRASED. I had to tell my job to change my bank for direct deposit, and I explained the story to them too. 

Bottom line, I never committed check fraud nor did I intend to. I have been disputing this and doing the security appeal for pretty much yearly now. I do have XXXX information, though, this time. 

This year, I was speaking with my financial team. They advised me to contact a lawyer. So, I contacted a lawyer who deals with discrimination cases all the time, involving banks, mortgages, and financial institutions of all kinds. He told me to do the appeal form and to also speak with your security team, which I have already done. This is unacceptable. I am being discriminated against because I am a young XXXX man with high deposits in my account. Considering that, XXXX XXXX, thought I was allegedly doing check fraud?! That's a wild accusation. No one ever apologized to me or wanted to speak with me about the matter on the phone. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am submitting this complaint regarding my Discover credit card account, which was recently suspended due to information reported by XXXX. 

I have initiated formal disputes with XXXX  for multiple accounts that are inaccurately reporting negative information, including : XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX  ) XXXX XXXX XXXX I also mailed Discover a written request asking them to lift the account suspension pending the outcome of those disputes, per the Fair Credit Reporting Act ( FCRA ), which prohibits taking adverse action on disputed items without verification. 

I have not received confirmation from Discover that my documents were received or that my suspension will be lifted during the credit bureau review process. 

I am requesting that Discover : Acknowledge the active XXXX  disputes Pause adverse action on my account Restore access while the disputes are pending Attached are my mailed letters and supporting documents. Please help ensure Discover follows fair reporting practices and responds to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am submitting this statement in reference to a previously disputed account reported by XXXX XXXX. As outlined in the attached letter from XXXX XXXXXXXX XXXX XXXX XXXX, the account in question should be removed from my credit report immediately. The bank has acknowledged issues related to the mishandling and neglect of a product that was not in proper condition, and they have agreed to remove the account from my credit file as a result. This account has caused unjust damage to my credit profile and is in violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers from inaccurate or harmful information that may negatively impact their financial standing and banking capabilities. I respectfully request that this account be removed from my report without further delay. 

Thank you for your attention to this matter.

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 2025-05-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TX

Complaint narrative:
I tried opening a netspend account and i could not because someone took the luxury of opeing fraud cards under 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I believe this account is being reported inaccurately, and I request that you immediately delete this entry from my credit report. I am asserting that the debt has not been properly validated and that its reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Dispute Details I dispute the accuracy of this debt for the following reasons : XXXX. Failure to Validate the Debt : Under 15 U.S.C. 1692g, the debt collector is required to validate the debt by providing proof of the debt, including the name of the creditor, the amount owed, and the original account number. To date, I have not received the necessary debt validation. As such, the information provided by the debt collector is inaccurate and incomplete. 
XXXX. Failure to Follow Required Procedures for Reporting : Under 15 U.S.C. 1666b, a creditor may not report a payment as " late '' unless the creditor has sent a periodic statement to the consumer at least XXXX  days before the payment due date. If the creditor failed to follow this procedure, the debt is being inaccurately reported. 
I demand that you provide evidence that the creditor followed the proper reporting procedures before the debt was marked as late. 
XXXX. Violation of the FCRA : Under 15 U.S.C. 1681s-2, furnishers of information to CRAs are required to report accurate and complete information. The reporting of this debt by [ Debt Collector 's Name ] appears to be inaccurate, as they have failed to validate the debt and have not provided the necessary documentation to prove the debt 's legitimacy. As such, this constitutes a violation of their duties under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In XX/XX/XXXX I was enrolled in repayment plans for XXXX closed Chase credit card accounts ending in XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  I have made consistent monthly payments XXXX and XXXX yet to this day I have never received any written terms plan disclosures or signed agreement Starting XX/XX/XXXX I submitted multiple secure messages formally requesting documentation on the structure enforceability and classification of these plans Chase failed to provide any applicable documentation and instead referred me to irrelevant information about Chase Pay Over Time a program not applicable to closed accounts On XX/XX/XXXX despite my outstanding documentation requests Chase reported a XXXX delinquency on account XXXX to XXXX This was done without valid documentation informed consent or due process The delinquency was reported while the repayment plan itself remains legally and contractually undefined My complaint centers on Enforcement of undocumented repayment terms Continued billing on closed accounts with no disclosed agreement Reporting derogatory credit data amid active compliance inquiries This conduct raises concerns under TILA FCRA and standard consumer protection law I have escalated this issue to the CFPB XXXX XXXX XXXX Department of Consumer Affairs and am receiving legal consultation on potential next steps Desired resolution Provide all written repayment terms Refund payments made under undocumented plans Cancel remaining balance due Remove all negative credit reporting tied to these disputed accounts Cease all billing or collection on these accounts Notice of Certified Mail Response This communication will be sent via Certified Mail with Return Receipt as a formal response to the final secure message thread provided by Chase representatives in XX/XX/XXXX It serves as notice that absent receipt of complete written repayment terms within XXXX business days of delivery I will consider Chase in breach of fair lending and consumer reporting practices This will trigger full escalation through additional regulatory complaints and legal filings All further communication regarding these accounts must be submitted in writing and will be retained as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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