vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/, a gentleman came to my door and my daughter answered. He was serving paperwork that stated it was from Chase Bank. My daughter accepted the paperwork, showing that I have 14 days to contact the local courts or the attorney listed. I contacted XXXX XXXX courts and they told me I needed to contact the creditor company. I contacted the Attorney and was transferred to a telemarketer who said I had 3 payments to pay off the debt of {$9100.00} or a judgment will be marked against me. The attorney 's name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). I request that the CFPB take action to ensure Equifax conplies with the federal law and provides consumers with hr necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: EGL US, LLC
State: SC

Complaint narrative:
I was eligible to refinance on XX/XX/XXXX, I was denied due to the company not excepting my bank. I was denied. I spoke with customer service and was told to change my bank account and reapply. Once I changed my account and XXXX pay periods was showing. I went to reapply and now the website is stating that XXXX not eligible I need to make XXXX additional payments and my next payment due is XX/XX/XXXX. I even spoke with the collection department and was told that my account is not in delinquent status. Even though I had missed a payment in XXXX. Due to payroll botching up the allotments. Also I I make payments if XXXX faithfully every XXXX weeks, why out of XXXX per month only XXXX dollars is going to the principal. I was told that its the interest that is being charged per day if the full balance. Thats a complete rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
On XX/XX/XXXX my son and closed a concern loan for a XXXX XXXX XXXX, the closing agent mentioned that because of the new technology in the new windshields, we would need to purchase an additional coverage to prevent having to pay {$1500.00} for each breakage. He indicated that XXXX would only replace with a basic windshield. This concern/issue was only mentioned at closing, which didn't allow proper time to confirm the issue with my insurance carrier. When I called the insurance company to added the auto to my policy, they advised that there was no need for this policy being sold and had not heard of the issue being mentioned by the dealership. I then called to have the policy cancelled and was told it couldn't be removed .I consider this an Unfair and coercive practice, so I need your help to look at this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I am disputing the validity of the debt reported on my credit report by Consumer Adjustment Co. I have mailed out a final letter to all three credit bureaus and have filed dispute online. 

On XX/XX/XXXX, I mailed a written request to Consumer Adjustment Co for validation of the alleged debt to address provided in XXXX Report. The addresses and phone numbers provided in all three reports for Consumer Adjustment Co are not the same. It was also stated in first dispute of this debt that CFPB requested a validation of debt from Consumer Adjustment Co and was to be forwarded to me showing validation of this debt. To this day XX/XX/XXXX, nothing has been provided to me nor have I been contacted by Consumer Adjustment Co via mail, phone, or email. 

Under 15 USC 1692g, Consumer Adjustment Co is legally obligated to provide the following : 1. Proof that the debt belongs to me.

2. The name and address of the original creditor.

3. A complete breakdown of the debt amount, including interest, fees, and charges.

4. A copy of the original agreement or contract showing my obligation to pay the alleged debt.

To date, I have not received the requested validation. Reporting this unvalidated debt to credit reporting agencies violates 15 USC 1692e ( 8 ), which prohibits false representation of a debt, and 15 USC 1692f, which prohibits unfair or unconscionable collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
after reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well I have no recollection of applying for any of the the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, and fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX .I have no connection these these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX university was found guilty in XXXXXXXX XXXX XXXXXXXX XXXX defense suit and all federal loans were discharged, removed from my credit file. I contacted Navient in XX/XX/year> for a discharge loan app for the persona loans associated with this school, I received the application, sent it in with all the documentation for borrower defense and was denied. The reason they said was loans were paid to me. The loans were paid to XXXX by me. I borrowed $ XXXX and now owe them $ XXXX and I want this forgiven as misconduct borrower defense was approved. Navient sold my loans to XXXX in XX/XX/year> and they have not provided any information on when/how to get these loans paid in full and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
I have requested my credit report from equifax credit bureau and I have found inaccuracies and other inaccurate information. I request that this information be either corrected or removed from my credit report and also update my fico XXXX  score. I have reported this inaccuracies before to equifax in XXXXXXXX XXXX XXXX and nothing had been done I have fixed certain accounts and equifax, XXXX, or XXXX has done anything. They are required by law to report accurate information across the board under 5 USC 1681The Fair Credit Act. I want these inaccuracies corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
I have filed numerous disputes and have not received removal or information regarding the status of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
XXXX and Equifax have failed to fulfill their 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 XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax have 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 disputed accounts, as XXXXXXXX XXXX and Equifax 's inaction violates federal law and my rights as a consumer. The accounts in question are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
I recently received a copy of my credit report and found fraudulent activity.

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 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have never lived at the apartment. I live in XXXX XXXX during this time frame. My husband was in the military at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd
State: MI

Complaint narrative:
Our company had XXXXXXXX XXXX XXXXXXXX for our Business insurance policy. We cancelled our premium due to XXXX dropping our account, so we obtained new business insurance through XXXX  XXXX. We provided ample ( written ) notice to XXXX and the policy ended on XX/XX/XXXX. On XX/XX/XXXX, we received a letter ( bill ) stating that we owed an outstanding balance of {$300.00}, which was paid by check XXXX on XX/XX/XXXX and cashed on XX/XX/XXXX. On XX/XX/XXXX, we received another bill stating that we further owed an outstanding balance, now for {$760.00}. I sent this letter/bill to our former insurance broker requesting them to handle the situation, since it was clearly an error on the part of XXXX. On XX/XX/XXXX I received a second bill for the same amount, and again the same bill on XX/XX/XXXX. The information their company received from XXXX XXXX XXXX is below- Premium {$13000.00} XX/XX/XXXX endorsement premium {$460.00} XXXX endorsement premium {$90.00} XXXX x {$2.00} billing fees {$18.00} Total {$14000.00} Cancellation XXXXXXXX Premium Credit XXXX {$2700.00} Total earned premium through XX/XX/XXXX {$11000.00} Total paid premium through XX/XX/XXXX {$10000.00} Leaving a balance of {$790.00} earned premium. 

To which I responded with our accounting of this vendor for the year, who drafts directly from our bank account : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Total Paid- {$15000.00} Premium paid through XXXX {$15000.00} Less Total earned premium through XX/XX/XXXX {$11000.00} Balance Due to XXXX  FROM XXXX- {$4000.00} XXXX XXXX  XXXX owes OUR COMPANY money, not the other way around. 

This morning XX/XX/XXXX, I received a phone call at XXXX AM from Brown and Joseph XXXX XXXX, specifically from XXXX XXXX at ( XXXX ) XXXX on behalf of XXXX XXXX XXXXXXXX, illegally. I would like to file complaints about both XXXX XXXX  XXXX AND Brown and Joseph XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 non-monetary relief
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
Experian 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 furnishers, 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 disputed accounts, as Experians inaction violates federal law and 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 2025-01-27 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 reviewed my consumer reports and noticed that I had tow late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibillity to report consumer information to the best of their abillity whit maximun accuracy. I have never been late on payments fot the account : XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be uptated to on time as they should be as I was never late. 
Thanks

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 2025-01-27 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: IL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2025-01-27 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: NY

Complaint narrative:
These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
On XX/XX/year>, Ally Financial released the lien on my car to XXXX XXXX. After releasing the lien ; Ally decided to report the account as delinquent. As a result, my credit score/rating has been impacted negatively.

Company response to consumer: Closed with explanation