vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I've recently received a copy of my creidt report and notcied several inaccuracies and unauthorized accounts/ information to my creidt report/ These remarks have been detrimental to my life and credit health

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 2025-05-20 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:
I've recently received a copy of my creidt report and notcied several inaccuracies and unauthorized accounts/ information to my creidt report/ These remarks have been detrimental to my life and credit health

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report Re : Account # XXXX XXXXHarley Davidson CR To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information that appears on my credit report. The account listed below is reporting information that I believe to be inaccurate and should be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : XXXXHarley Davidson CR Account Number : XXXX Type : Auto Loan Opened : XX/XX/XXXX Current Status Reported : Charged Off with {$18000.00} past due as of XX/XX/XXXX Last Payment Reported : XX/XX/XXXX Disputed Issues : 1. The charge-off status and balance do not accurately reflect the payment history and recent activity.

2. Payment history shows inconsistencies ; several payments were made and should not be marked late.

3. The account continues to show a balance and past due amount even though it has been charged off. 

Under the FCRA, you are required to investigate and correct any inaccurate or incomplete information. I am requesting that you conduct an investigation and provide documentation from the original creditor to verify the accuracy of the reported data. 

If the information can not be verified, I respectfully request that it be deleted from my credit report. 

Please inform me of the outcome of your investigation in writing and send me an updated copy of my credit report. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

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

Company 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

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 explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I'm writing regarding an account currently listed on my credit report that is involved in pending litigation. Because of the ongoing legal matter, the information being reported is not accurate, complete, or fully verifiable at this time.

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 2025-05-20 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Several charges appeared on my Business Checking account from XXXX. XXXX transactions for around {$1300.00} total. These charges were not made from my XXXX account, or my Wife 's, so we reported them as fraudulent to Chase Bank. Chase refunded XXXX of the transactions ( XXXX dollars ) and said the rest could not be refunded because they were digital wallet transactions and I needed to dispute it with XXXX XXXX I can not dispute the transactions with XXXX because they were not from my account. I asked for more information or documentation from the claim, and they said they could not provide it to me as it wasnt their department, and the department in question can not take phone calls ( or emails ) and I would need to go into a branch so they can explain why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Capital One has closed my with very little notice. They closed my checking account and saving account. No explanation. They refuse to give any reason. They refuse to let me appeal or get access to the information. I have not violated of their banking rules. They just randomly reviewed my account and canceled my accounts. Nothing has changed with the account over the years I have been with them so there is no reason for them to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX RE : Cease and Desist Notice for Account No. XXXX XXXX XXXX  To Whom It May Concern : * * Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby requesting that Midland Credit Management , Inc. immediately cease all communication with me regarding the above-referenced account and any other alleged debt you claim I owe. 

I do not acknowledge or admit to owing any debt to your organization or any entity you may represent. Furthermore, I am formally requesting that you cease any and all attempts to contact me via telephone, mail, or any other form of communication. Any further contact from your company, except to notify me of specific legal actions, will be considered a violation of federal law and reported to the appropriate authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Please be advised that continued collection efforts after the receipt of this letter may result in legal action being taken against your company. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 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 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year>, XXXX XXXX attempted to withdraw {$170.00} from my Chime account. XXXX later confirmed that the payment was returned by Chime on XX/XX/year>. However, this transaction is no longer visible anywhere in my Chime transaction history. 
I contacted Chime multiple times for assistance. I was transferred repeatedly between departmentsDispute department told me they couldnt help, then sent me back to Customer Service, who told me to dispute the charge. I explained that I can not dispute a transaction that no longer exists in my account history. Despite providing clear documentation from XXXX, Chime agents offered no resolution. 
One Chime agent reviewed the situation, reacted noticeably by saying XXXX, but then refused to explain what he saw and simply repeated that I should file a dispute. Additionally, Chime kept referencing a completely unrelated recurring charge from XXXX, which only added confusion and had nothing to do with the {$170.00} from XXXX. 
To support my claim, I have recorded calls with both Chime and Progressive confirming : Progressive attempted the withdrawal on XX/XX/XXXX Chime returned the funds on XX/XX/XXXX Chime has failed to provide a return code, trace, or explanation for the disappearance of the transaction I have informed Chime that I will take legal action and file formal complaints if this is not resolved. 
I am requesting the CFPBs assistance to : Require Chime to provide a full explanation of what happened to the {$170.00} Initiate a trace or internal investigation Provide any ACH return documentation, including return codes and date Chimes lack of accountability and refusal to investigate or even acknowledge the transaction has prevented me from resolving the issue with Progressive and recovering my funds.Once again, I have recorded calls and a transaction list that came from Progressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$260.00} Account No XXXX XXXX XXXX XXXX Balance : {$340.00} Account No XXXX XXXX XXXX XXXX Balance : {$3300.00} Account No XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} Account No XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} Account No XXXX XXXX XXXX XXXX Balance : {$2600.00} Account No XXXX DXXXX XXXX XXXXXXXX Balance : {$2600.00} Account No XXXX XXXX XXXX XXXX Balance : {$2200.00} Account No XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX Account No XXXX DXXXX XXXX XXXXXXXX Balance : {$1300.00} Account No XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX Account No XXXX XXXX XXXX XXXX Balance : {$670.00} Account No XXXX XXXX XXXX IN Balance : {$0.00} Account No XXXX XXXX XXXX XXXX Balance : {$790.00} Account No XXXX XXXX XXXX Balance : {$1900.00} Account No XXXX Inquiries : XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date 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 2025-05-20 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: SC

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been a loyal customer of XXXX XXXX for decades. I use the card every month to purchase gas for my car and I've always paid my bill every month. However, today I find out they closed my account with no notice and no explanation. I called them and they wouldn't let me speak to anyone, just said they would send me a letter.

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 2025-05-20 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: PA

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute of inaccurate and misleading information you are reporting to the credit bureaus concerning my closed account with XXXX XXXX XXXX According to my recent credit report, this account is listed as closed yet continues to reflect a recent late payment, which is both factually inaccurate and legally impermissible. 

Once an account is closedespecially if it was closed in good standingno new late payments should be reported. Reporting a delinquency after the account is closed is not only misleading and damaging to my credit profile, but also may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers of credit data to report only complete and accurate information.

Under my rights provided by the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. An immediate investigation into this inaccurate reporting ; 2. Correction or deletion of the false late payment from all credit bureaus to which you have reported ; 3. Written confirmation of the investigation results and actions taken, within 30 days as required by law. 

Please be advised that failure to correct or remove inaccurate information will prompt me to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I also reserve the right to pursue civil action under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, and attorneys fees for willful and negligent noncompliance with the FCRA. 

I have enclosed a copy of my credit report showing the disputed account, and I am prepared to provide any additional supporting documentation as needed.

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 2025-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a capital one card on my credit for {$480.00} out of XXXX. It says I made 2 payments in 2024 but Im sure this is somebody elses account mixed with mine Im guessing.

Company response to consumer: Closed with explanation