vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: KY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Card Account Name : XXXX XXXX XXXX Account Number : # XXXX Amount in Dispute : XXXX To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report under the account number # XXXX, which reflects a balance XXXX. According to FCRA ( 15. U.S.C 1692C ) its illegal to report anything on my credit report without my permission. Please remove this negative item from my report with 30 days. 
Thank you for your attention to this urgent matter. I look forward to your response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute regarding the alleged debt of {$6000.00}, purportedly owed to JPMorgan Chase Bank ( JPMCB ). I categorically deny any obligation to your company and demand strict proof that this alleged debt is valid, legally enforceable, and belongs to me. ** Violation of Consumer Protection Laws Your attempt to collect or report this debt without proper validation is a direct violation of : The Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], which prohibits deceptive and unfair collection practices.

The Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], which requires accurate reporting and verification of debts. 
Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 ) ( if applicable in my state ), which bars unlawful and misleading collection attempts.

Moreover, your continued attempts to collect this unverified debt amount to willful misconduct, causing undue stress and aggravating my health condition.

Legal Basis for Dispute Case Law Precedents I invoke the following case law precedents to support my challenge : XXXX XXXX XXXX ( XXXX ) Established that reporting inaccurate or unverified debts violates consumer protection rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ruled that creditors can not continue reporting debts they can not validate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforced that failure to provide proper validation makes further collection attempts unlawful. 
XXXX XXXX Chase XXXX XXXX XXXX XXXXXXXX ) Found that JPMorgan Chase Bank had previously engaged in improper charge-off and collection tactics, setting a precedent for scrutiny in all future disputes. 
Demand for Strict Validation & Immediate Action Under FDCPA 1692g ( b ), you have 30 days from the receipt of this letter to provide : Proof of JPMCBs legal authority to collect this debt.

A copy of the original signed contract proving I agreed to this debt. 
Complete account history, including a full breakdown of charges, interest, and payments. 
Proof of assignment if this debt was transferred or sold, showing JPMCB has the right to collect. 
Proof that this debt has not exceeded the statute of limitations in my jurisdiction. 
Consequences of Non-Compliance Failure to respond within 30 days constitutes an admission that no valid debt exists under the doctrine of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If this account is not immediately removed from my credit report, I will escalate this complaint to the CFPB, FTC, and state Attorney General. 
Any continued collection attempts, including phone calls, letters, or further reporting, will be considered harassment and will be met with legal action ( FDCPA 1692d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed this account due to the fact that I settled with them and paid the balance off. They sold the account to another company under a different name and reported it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit and my loans were discharged in XX/XX/XXXX. Mohela received my loan information and said they requested a check in XX/XX/XXXX. I learned last month they never transferred my account to their new system and now they are telling me I need to wait another 90 days when I should have already received my refund. I am due a refund and no one ever have an answer. The treasury department does not have a check request to pay me out because Mohela never sent it over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-11 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: FL

Complaint narrative:
I want reported accounts to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
o formally dispute information regarding my account with XXXX XXXX, which ends in XXXX. This dispute is being raised under my rights as outlined in Section XXXX of the Fair Credit Reporting Act ( FCRA ), which allows me to request that inaccurate information be corrected or removed from my credit report. 

Upon reviewing my credit report, I have found discrepancies regarding the details of this account. Specifically, I believe the information reported may be incorrect or incomplete, which is why I am requesting a thorough review of the account details and supporting documentation. 

The account in question is : Account Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Discrepancy : account was charged off by the original creditor. If this is indeed the case, I have not received a 1099-C form from the creditor for the tax year in which the charge-off occurred. As I understand it, when an account is charged off and a tax deduction is taken by the creditor, the debtor is supposed to receive a 1099-C form, and the amount of debt forgiven may be considered taxable income. 
Please provide me with the necessary documentation to verify the accuracy of this account, including any signed agreements or transaction records related to it. If the information can not be validated, I kindly ask for the account to be corrected or removed from my credit report as per my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute, and I look forward to your resolution of the issue within the required 30-day period as stipulated by 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 non-monetary relief
Consumer complaint received 2025-03-11 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:
o formally dispute information regarding my account with XXXX XXXX, which ends in XXXX. This dispute is being raised under my rights as outlined in Section XXXX of the Fair Credit Reporting Act ( FCRA ), which allows me to request that inaccurate information be corrected or removed from my credit report. 

Upon reviewing my credit report, I have found discrepancies regarding the details of this account. Specifically, I believe the information reported may be incorrect or incomplete, which is why I am requesting a thorough review of the account details and supporting documentation. 

The account in question is : Account Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Discrepancy : account was charged off by the original creditor. If this is indeed the case, I have not received a 1099-C form from the creditor for the tax year in which the charge-off occurred. As I understand it, when an account is charged off and a tax deduction is taken by the creditor, the debtor is supposed to receive a 1099-C form, and the amount of debt forgiven may be considered taxable income. 
Please provide me with the necessary documentation to verify the accuracy of this account, including any signed agreements or transaction records related to it. If the information can not be validated, I kindly ask for the account to be corrected or removed from my credit report as per my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute, and I look forward to your resolution of the issue within the required 30-day period as stipulated by 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 2025-03-11 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: KY

Complaint narrative:
Subject : Dispute Regarding Experians Negligence and Noncompliance Under Civil Liability Statute XXXX To Whom It May Concern, Experians negligence has resulted in direct consumer harm, failing to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. As a consumer impacted by Experians noncompliance, I believe that the imposed fine is warranted, and further corrective actions should be considered to ensure compliance with federal laws governing consumer rights and credit reporting practices. 

I request the following actions : 1. A comprehensive review of Experians compliance failures and an outline of how the CFPB intends to enforce corrective measures beyond monetary penalties. 
2. A public disclosure of Experians specific violations and the impact on affected consumers. 
3. Additional consumer protections to prevent further negligence from Experian and other credit reporting agencies. 

Please confirm receipt of this dispute and provide an expected timeline for review. I look forward to your prompt response regarding 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 2025-03-11 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: KY

Complaint narrative:
Subject : Dispute Regarding Experians Negligence and Noncompliance Under Civil Liability Statute XXXX To Whom It May Concern, Experians negligence has resulted in direct consumer harm, failing to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. As a consumer impacted by Experians noncompliance, I believe that the imposed fine is warranted, and further corrective actions should be considered to ensure compliance with federal laws governing consumer rights and credit reporting practices. 

I request the following actions : 1. A comprehensive review of Experians compliance failures and an outline of how the CFPB intends to enforce corrective measures beyond monetary penalties. 
2. A public disclosure of Experians specific violations and the impact on affected consumers. 
3. Additional consumer protections to prevent further negligence from Experian and other credit reporting agencies. 

Please confirm receipt of this dispute and provide an expected timeline for review. I look forward to your prompt response regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TN

Complaint narrative:
Dispute date XX/XX/XXXX I Purchased a XXXX gift card from XXXX for {$50.00} and XXXX XXXX lost it, when I called XXXX they told me they didn't give refunds on gift cards so I ask to speak with a supervisor he told me the same thing, for me to Dispute the charge.he gave me his name, transaction number and case number.so I file my Dispute that day, on Friday XX/XX/XXXX I call to check on it and they denied it even after XXXX told me to and the info I gave them. If they bothered to call XXXX ( which i doubt they did aweful bank ) they would seen I was doing what they said.i did manage to get my money back after another call and was told I had to speak with the gift card department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

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 2025-03-11 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: VA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-11 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate. without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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