vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I redeemed my ultimate rewards point for a XXXX play digital gift card on XX/XX/year>. 

Chase emailed me an already used/redeemed gift card that did not work. I called and let them know this, and they reissued another one that already used AGAIN. 

I called after the second time to have my points back and cancel the gift card all together. Not only was this embarrassing as it was suppose to be a gift, sending a used gift card a second time is just ridiculous. They have not contacted me since to resolve the issue. I just want my points back at this point and no gift card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I sent out a letter stating : I am writing to formally dispute the validity of the debt referenced in your correspondence dated [ insert date of the correspondence ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide me with verification of the alleged debt.

Please provide the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. The account number associated with the alleged debt.

4. A verification of the debt, including any supporting documentation that demonstrates my obligation to pay it.

5.Contract of assignment As per the FDCPA, you are required to cease all collection activities until the requested validation is provided. I would also like to inform you that I do not wish to be contacted by telephone regarding this matter. Please communicate with me in writing only. 

If you fail to provide these items within 30 days, I request that you cease all collection efforts and remove any references to this debt from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your written response. 

The address I sent this letter too came back to me. So apparently they have multiple addresses. So, I went back to the credit bureaus after they sent me verified debt letters stating : I am writing about an account ( National Credit System ) that I disputed but it did come back accurate. When it came back verified, I sent a letter to the debt collector. The address ( XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ) I was provided was not a correct address because the letter was returned. This company has multiple addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( which is an incorrect address ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
I was surprised to see a late payment listed on my report, as I have always paid this account responsibly. I am requesting that the creditors records be reviewed and that this error be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I am disputing a debt being reported or collected by Aldous & Associates. I have submitted a formal dispute and requested full validation of the alleged debt including a signed agreement or any documentation showing I am responsible for it. They have not provided any such evidence. 

Despite the lack of validation, this debt is still being reported and is causing me serious and immediate harm : it is preventing me from securing housing. I have a firm deadline of XX/XX/XXXX to finalize a lease, and this unverifiable account is the only thing standing in the way. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper validation of any debt before further collection activity or reporting continues. I have made this clear to Aldous & Associates and am prepared to pursue legal action if this account is not removed or fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

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 2025-06-19 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX. $ XXXX Accounts XXXX XXXX XXXX XXXX * *. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: FL

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 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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I do not owe this debt to this company residence they are falsely charging me and they sent this to collection. They have never sent me any information in regards to this bill prior to the collection date. XXXX stated that I had to submit an affidavit, etc., and they reply to the objection to this bill under lol I do not have to submit any of those things in regards to this dispute. This company is fraudulently charging me this money that I do not owe them I do not need to submit a police report. I do not need to do any of those things I I do not live in the state of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am disputing the account for XXXX XXXX XXXX XXXX. This is my XXXX attempt over the past XXXX XXXX  to get this account removed. This company has not been able to verify any information verifying that this account is mine. I have stated several times that I am a victim of identity theft and the equifax XXXX, which I included that information below along with my disputes. I even reviewed my credit report again and noticed this account is reporting fraudulently based on this information : Extremely low payment history ( 3 % on-time ), marked profit/loss, closed by grantor, yet reporting as individual accountpossible fraudulent origin. Also This complaint is being filed because my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) have been violated. I recently pulled my TransUnion credit report and discovered a fraudulent account reporting from XXXX XXXX XXXX XXXX ( Account opened XX/XX/year> ). The account is falsely showing a charge-off with a balance of {$1100.00}. 

I have never opened or authorized this account. I am a victim of identity theft and part of the Equifax data breach, which has caused several false accounts to appear on my reports. XXXX XXXX XXXX XXXX has never provided me with any documentation, verification, or contact regarding this account, yet continues to report it to the credit bureaus. 

Despite multiple attempts to correct these errors, this fraudulent account is still damaging my credit profile and preventing me from obtaining new financial opportunities. 
This letter serves as a formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block and permanently remove this account from my credit profile. Additionally, this creditor is in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) for failing to investigate or provide accurate information 15 U.S.C. 1681s-2 ( b ) for continuing to report inaccurate or unverifiable information 15 U.S.C. 1681n for willful noncompliance, for which I reserve the right to seek damages of {$1000.00} per violation I demand that this account be manually reviewed, and not handled by an automated system like XXXX, which routinely results in improper outcomes. If this is not resolved and removed within the required timeframe, I will escalate this matter further with legal counsel. 

Attached are the following : My government-issued ID A copy of my credit report Supporting statement regarding the fraudulent activity I respectfully ask the CFPB to hold XXXX XXXX XXXX XXXX XXXX and ensure this item is permanently blocked and removed from my report. The credit bureaus have not even proven show they are verifying this information. I have gotten no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2025-06-19 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: MS

Complaint narrative:
Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as Experian inaction, violates federal law in my rights as a consumer.

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 2025-06-19 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account 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 2025-06-19 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: AL

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n  1681c-2) that you, the Experian credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within XXXX  business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
My name is XXXX XXXX, and I am the borrower on a XXXXguaranteed loan for the property located at XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Loan No. XXXX ). I am reaching out to request your office 's review and oversight regarding a recent denial of a temporary loan modification by my servicer, PennyMac Loan Services, on the basis that the property is currently listed for sale.

While we do intend to sell the home, our request was submitted in good faith with the goal of securing temporary relief to facilitate an orderly sale and avoid foreclosure. The property listing was a necessary step given our financial hardship, which includes rising medical bills and a significant decline in household income. We are not seeking to retain the home, only to manage the transition responsibly. 

Ive attached a formal appeal letter outlining our position and citing applicable USDA servicing guidance ( HB-1-3555, Chapter 18 ) and Regulation X ( 12 CFR 1024.41 ). I respectfully ask that your office review this matter to ensure that servicing guidelines have been properly applied and that no undue harm comes from a rigid interpretation of eligibility standards during an active sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief