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

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

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

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-04 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

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

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MO

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 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute an unauthorized hard inquiry on my credit report. I did not authorize JPMCB CARD ( Bank ) t perform a credit inquiry, which appears on my report dated JPMCB CARD ( Bank ) XX/XX/XXXX JPMCB CARD ( Bank ) XX/XX/XXXX JPMCB CARD ( Bank ) XX/XX/XXXX Please investigate this matter and remove the inquiry from my credit report. I have attached a copy of my ID and proof of address for verification. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ SSN or equivalent ] XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
This company has falsely established a credit profile with defamation on my name and likeness that has affected my ability to secure financing and credit lines or loans. This has been disputed multiple times and this company has used my name without my consent on my profile which has harmed me financially, emotionally and physically in my pursuit of life and liberty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am presently embroiled in litigation, case XXXX XXXXXXXX concerning a foreclosure of private residential real property, the opposing party being, Nationstar mortgage d/b/a Mr. Cooper Mortgage. To expedite the current situation, short of a subpoena directed to an agent of your office, the following request based on good faith, and to ensure proper execution of all pertinent laws and regulations concerning the listed requests, in no particular order ; are as follows.

Per stated guidelines and procedures, outlined in the O.C.C. directive concerning fiduciary responsibility, in the most expeditious manner provide the following.

1. An authentic copy or reproduction of any and all document, whether, in electronic format, or paper, regarding the required collateral deposit account, per Title

12 U.S.C. 84, lending limits, in your offices custody. 2. An authentic copy or reproduction of any tabulations, amendments to, or any device, procedure, in use concerning, encryption, posting, and interpretive manuals in use. 
3. An authentic copy or reproduction of any and all papers, forms, listings, as applicable, of any party ( s ), whether in the form of verification, originator, co-signer, of the collateral deposit account. 

Answer to question how can you collect on a alleged mortgage when banking is illegal in illegal? 

The powers of financial capitalism had another far-reaching aim, nothing less than to create a world system of financial control in private hands able to dominate the political system of each country and the economy of the world as a whole. This system was to be controlled in a feudalistic fashion by the central banks of the world acting in concert, by secret agreements arrived at in frequent meetings and conferences. The apex of the systems was to be the XXXX XXXX XXXX XXXXXXXX in XXXX, XXXX, a private bank owned and controlled by the worlds central banks which were themselves private corporations. Each central bank... sought to dominate its government by its ability to control Treasury loans, to manipulate foreign exchanges, to influence the level of economic activity in the country, and to influence co-operative politicians by subsequent economic rewards in the business world.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: TX

Complaint narrative:
I knew the interest rate on the loan was high but I was desperate for the loan. I borrowed {$1000.00} believing that a portion of each payment would go toward the principal so that when I was in a better situation I might pay off the loan. I checked this week to find out my principal balance ( original loan on XX/XX/year> of {$1000.00} ) was {$980.00}. So I have been making weekly payments of {$140.00} since XX/XX/XXXX and have only paid {$14.00} towards the principal. How is anyone supposed to ever get ahead? I still have 13 weeks of payments. Surely this can not be legal. And if it is it can't be ethical? I am drowning trying to repay this loan and just desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: AR

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 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 2025-04-04 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: NC

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agency Equifax for violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding its failure to conduct a reasonable investigation following a dispute of inaccurate information on my credit report. 

I submitted a dispute to Equifax regarding an account from XXXX in that appears on my credit report, which I believe to be inaccurate and unauthorized. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Equifax is legally required to conduct a reasonable investigation to verify the accuracy of the disputed information. 

However, Equifax failed to meet this obligation by conducting only a superficial verification with the original creditor, without evaluating any supporting evidence or reaching out to me for additional information. This does not meet the legal standard of a reasonable investigation as established in cases such as Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

Since this account was not properly verified and continues to negatively impact my credit history, I respectfully request that the CFPB intervene and instruct Equifax to immediately remove this account from my credit report, in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX or XXXX, XXXX, there was a charge of {$1500.00} on my Capital One credit card account which I did not make or authorize. I submitted necessary paperwork for a fraud case. In XX/XX/XXXX I received a letter from Capital One Fraud Department stating that the fraud investigation was resolved. They said there was insufficient evidence of fraud, but their explanation concerned " Capital One Fees or Finance Charges '', which had nothing to do with my fraud claim involving the {$1500.00}. No one in the Fraud Department will discuss my case on the phone and I have written numerous letters to the Capital One Fraud Department about this matter but have never received a reply. One person in the Fraud Department did tell me by phone that my case was " closed ''. It is very frustrating not to receive feedback on my requests for information, much less receiving the money due me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 3 fraudulent accounts appearing on my consumer FICO Transunion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. Additionally, there is a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and another collection account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was on a cruise and the ship stopped in XXXX XXXX, XXXX on XX/XX/year>. Getting off of the ship I went into a cosmetic store. While there I made a purchase. Doing so they asked for my home address so they could ship my order. I decided to take my purchase with me so they handed me a shopping bag. Back on the ship I found a receipt in that bottom of the bag under the products I had purchased. The receipt was for {$2600.00}. At that time I contacted Chase and told them what had happened, They said they would open a Fraud Case. While on the ship I called an XXXX number for the cosmetic store to cancel this order, no answer. After getting home I called Chase and they then said they would open a Dispute or Appeal Case because this was not Fraud. The cosmetic store used my credit card for this illegal transaction. I allowed them one time to use my card for the items had bought. 

This company has tried numerous times to send cosmetics to my home. Each time I placed a large X on the box and wrote not excepted and gave them back to XXXX. 

I have made numerous calls to Chase and all they said we are working on the dispute. I found on XXXX that a Dispute or appeal has 90 days to resolve or the consumer is not liable. This has now been 7 months,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. In addition I am currently in litigation against XXXX XXXX XXXX and XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian -- -- - Account name : XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account Balance : {$1700.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX XXXX -- -- - Account name XXXX XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/XXXX Transunion -- -- - Account name : XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account Balance : {$6700.00} Date opened : XX/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 2025-04-04 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX, account opened at XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX. DELETE THESE UNAUTHORIZED INQUIRIES 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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