vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IL

Complaint narrative:
CFPB Complaint Against Discover Financial Services Complaint Summary : I am filing this complaint against Discover Financial Services for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for furnishing inaccurate or unverifiable information to XXXX XXXX XXXX XXXX 

Discover Financial Services is reporting a tradeline on my XXXX XXXX XXXX XXXX credit file that is inaccurate, not verified with proper documentation, and was confirmed as verified without disclosing any basis of proof or method of verification. I have no knowledge of this account, have disputed it, and have asked repeatedly for proof that it belongs to me. 
Violations Committed by Discover Financial Services : 1. Failure to conduct a reasonable investigation as required under FCRA 623 ( b ) ( 1 ) after receiving notice of dispute from XXXX XXXX XXXX ; 2. Failure to provide documentation or original source proof that I opened or owe the alleged account ; 3. Continuing to furnish disputed information that it either knows or should reasonably know is inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; 4. Providing incomplete or misleading results of investigation to XXXX XXXX XXXX XXXX and CFPB without proper validation ; 5. Acting in bad faith by confirming the account without resolving the substance of the dispute. 
Harm Suffered : Due to this account being reported and verified by Discover : - My credit score has been harmed ; - I have been denied credit and housing ; - My reputation has been damaged ; - I am suffering ongoing financial and emotional harm due to the false credit reporting.

Requested Resolution : I respectfully request that the CFPB : 1. Investigate Discover Financial Services failure to verify or correct disputed account information ; 2. Require Discover to produce the original contract, application, or signature that links this account to me ; 3. Require Discover to cease furnishing data that it can not independently verify ; 4. Direct Discover to delete the tradeline from XXXX XXXX XXXX XXXX  ( and any other CRA, if applicable ) if it can not be validated with proper documentation ; 5. Impose any enforcement penalties as allowed under the FCRA and CFPB rules. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-13 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:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the continued reporting of an inaccurate and unauthorized account by XXXX XXXX XXXX on my credit report maintained by Equifax. This account is not mine, has never been authorized by me, and its presence constitutes a gross violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. 

Despite multiple attempts to resolve this directly with both Equifax and the furnisher XXXX XXXX XXXX XXXXXXXX ), my efforts have been met with noncompliance and further violations : Grounds for Complaint : Identity Misuse / Unauthorized Reporting : I have never applied for or authorized any account or installment loan with XXXX XXXX XXXX. This is a potential case of identity theft or administrative misreporting under 18 U.S.C. 1028A ( Aggravated Identity Theft ).

Violation of FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ) : Equifax failed to follow reasonable procedures to ensure accuracy and wrongfully verified the account despite my formal dispute and lack of supporting documentation from XXXX XXXX XXXX. 

Violation of FDCPA ( 15 U.S.C. 1692g and 1692f ) XXXX XXXX XXXX XXXX failed to provide proper debt validation after my certified request. Instead, I received five identical, non-substantive responses that did not meet legal validation standards.

Negligent Alteration of My Credit Report : After my dispute, Equifax changed details of the XXXX XXXX XXXX account without my consent or knowledge, a direct breach of consumer protections and further proof of mishandling. 

Relief Requested : I respectfully demand the following : Immediate removal of the XXXX XXXX XXXXXXXX account from all of my credit reports ( XXXX Equifax, and XXXX ). 

Full investigation by the CFPB into the unlawful conduct of both XXXX and XXXX XXXX XXXX. 

Confirmation that this account has been permanently deleted and will not reappear. 

Notice sent to all entities that received my credit report containing this false information within the past two years.

Documentation Attached : My formal dispute to Equifax Copies of my drivers license, utility bill, and for identity verification This false reporting has already resulted in financial hardship, denial of credit, and emotional distress. I have spent months educating myself on my rights and pursuing a fair resolution. I am now relying on the CFPB to take swift enforcement action and hold these entities accountable. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I received an overdraft notification from Chase bank in reference to my checking account. I went and checked my account and a check for {$1700.00} written by XXXX XXXX XXXX XXXX XXXX XXXX was taken out of my account. I contacted Chase and spoken with 6 different representatives who admitted that chase took the money from the wrong account in error. I asked Chase to please return my money to me today as my account is now with {$0.00}. Chase refused to return my money and said that I would have to wait. I spent over an hour on the phone with Chase about this issue. Chase has left me in a financial bind because they are withholding over {$1700.00} of my money due to their error. This has caused me undue stress and it is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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.
State: FL

Complaint narrative:
To whom it may concern.

I recently checked my new report on your website and discovered several hard inquiries that I have no connection with. I see that my personal data has been stolen and someone has used it to obtain financing in my name. I kindly request your assistance in removing these inquiries, as they are unauthorized, and I did not give consent to these companies to check my credit report. 

I will list all the inquiries that were made because of the identity theft : XXXX XXXX - XX/XX/XXXX, XXXXXXXX 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 2025-05-13 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:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Today XX/XX/year> again escrow is charging me around {$300.00} to my mortgage payment. I am so desperate over and over they do this. My mental health is all over thinking I will be homeless. Why are they doing this if twice they have agreed to spread the back taxes over XXXX mos. 
Please stop this mortgage company playing with homeowners mental status, playing mind games with me!!! Make them stop! 
They need to hold to there word, just stop! 
I am still waiting for them to accept my payments, another claim I have open with them. I feel they are against me, never communicating or working with me! Over and over I am challenged to see if I lose my home. Please help me, Phh is taking advantage of me and harming my mental status!

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Said company was asked to provide further information in regard to said company XX/XX/year>2025 XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Phone Company Account on Credit Report Dear XXXX I am writing to dispute an incorrect item listed on my credit report related to a phone service account. The information is inaccurate and should be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the account in question : Type of Error : Please investigate this matter and correct or delete the inaccurate information from my credit file. Kindly send me written confirmation of the outcome within the 30-day period required by federal law.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
On or around XX/XX/year>, I called JFC and spoke to a rep named XXXX. I requested a copy of the full file disclosure that JFC received from XXXX 's to be emailed to me. XXXX insisted that he can not send the documents to me via email and that they would have to be mailed. He also insisted that in order for the company to send the requested documentation via mail, that my account has to be placed in a " dispute '' status ( which I did not request or agree to ). 

Today, XX/XX/year>, I checked my credit report and see that on XX/XX/year> JFC updated the collection acct as " account information disputed by the consumer '' but I still have not received the documentation that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
this XXXX debt collector engage an abusive XXXX deceptive and unfair practices of the XXXX fdcpa which prohib which it prohibits so XXXX they furnish this account that we didn't XXXX agree upon and I didn't sign any XXXX agreement which is true right because a XXXX lot of times like with collection XXXX agencies um especially if it's XXXX unauthorized you never sign an agree XXXX with them so they're trying to collect XXXX on a debt that you never even agreed on XXXX so that's a violation right there so a XXXX legal contract is signed by two parties XXXX and I did not participate in any of it XXXX so what participation means is that you XXXX didn't benefit from it right so you XXXX didn't get a car you didn't get a house XXXX you didn't get any type of montary XXXX relief for it so you didn't participate XXXX in it because you were the never the one XXXX that benefited from this actual XXXX collection so that's why you didn't XXXX participate in it so more so they didn't XXXX follow the proper five-step validation XXXX procedure which makes this unfair XXXX practices so anytime time a collection XXXX agency or just any debt collector so XXXX they must actually follow a certain XXXX procedure based off of the fdcpa before XXXX they go ahead and actually put it on XXXX your credit file so I know in a previous XXXX video you guys should definitely go XXXX check that one out I actually broke down XXXX like the no parking rule which is part XXXX of the permissible purpose so XXXX permissible purpose is basically your XXXX right as a consumer before anybody pulls XXXX your credit report or puts anything on XXXX your credit report they must send you XXXX guys any type of Correspondence within XXXX 14 days so if they send any type of XXXX correspond within 14 days and it comes XXXX back to them undeliverable then they can XXXX technically not put on the credit report XXXX and if they do that's a violation you XXXX guys can go ahead and XXXX and go XXXX XXXX and get your money man so with that XXXX being said right there's about a XXXX five-step validation procedure I won't XXXX go into the full depths of exactly what XXXX it is but um yeah just read up the fdcpa XXXX and you guys should be able to know XXXX exactly what any debt collector needs to XXXX do before they put it on your cter file XXXX so and then lastly according to the XXXX fdcpa I'm entitled to {$11000.00} per XXXX violation and clearly they violated my XXXX rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: CA

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 2025-05-13 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-05-13 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Requested removal of these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: MO

Complaint narrative:
I have been taken advantage of by this company. The APR is % 89 and the loan keeps getting higher and higher.

Ive tried negotiating with the company but they have made it obvious they dont want to help in any way.

Ive requested to talk to supervisors and been put on hold for 45min and also told on other calls that none are available and they will call me back and never do.

I believe their practice was deceptive by leading me to believe that I could afford and pay off this loan but then I discovered the APR is % 89 and has made it impossible to make any progress on paying it off.

Company response to consumer: Closed with explanation