vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
called several times a day ( 3 to 12 ) companies are XXXX XXXX XXXX called me several time a day Approx {$8800.00}, Jefferson Capital Systems LLC sueing me for XXXX, and XXXX XXXX approx {$9000.00} calls me several times a day over 4 times or more I contacted them to let them know I was having trouble and would contact them in a few days but then the very first day they called ove 6 time a day every month over 8 months I had a XXXX and they still call they call and hang up trying to make me couries thinking I would call to see who called the use automated calls to leave messages befor my answer machine has stopped talking and their messages are cut in half or when answering answers they just hank up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed an unauthorized inquiry from Capital One on my credit report, dated around XX/XX/year>. I immediately contacted Capital One and all three credit bureaus to report that I did not authorize this inquiry. They acknowledged my concern, placed a fraud alert on my file, and froze my credit. They also assured me that the inquiry would be removed. However, I have yet to see the inquiry removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a life threatening vacation that we booked using the capital one credit card. When we arrive it was a bait and switch from what was advertised. We were with in our rites as the hotels policy stated to cancel the reservation and look for other accommodation in XXXX. The hotel refused and we had to stay there. Two family members ended up in the hospital and we all were sick vomiting for the entire stay. When we got back to the U.S. I disputed the transaction and they agreed it should have never happened. Then the hotel emailed Capital One and they targeted us and declined the dispute and closed out my XXXX bank account and CD. I had no access to my money for over two weeks. No letter no notification just blocked me out. No access to my money. They demonstrate XXXX  actions. No matter what is said they don't respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear XXXX XXXX This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with Equifax, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action.

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately.

Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment Payment History I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Try to validate the debt with a bill of sales or assignments contract and requested XXXX form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Try to validate the debt with a bill of sales or assignments contract and requested 1099c form 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After carefully reviewing my TransUnion credit report, I was shocked to find multiple errors that should have never been there. These are not minor mistakesthey are actively harming my financial standing and creating unnecessary challenges for me. I refuse to let inaccurate reporting dictate my creditworthiness and demand a full, immediate investigation into these discrepancies. My report includes several incorrect collections and charge-offs that need urgent attention, such as XXXX XXXX with account number XXXX and a balance of {$1300.00}, XXXX XXXX  with account number XXXX and a balance of {$1700.00}, XXXX  with account number XXXX and a balance of {$1700.00}, XXXX with account number XXXX and a balance of {$880.00}, and XXXX  XXXX with account number XXXX showing a balance of {$0.00}. Additionally, XXXX  with account number XXXX is inaccurately reporting a balance of {$6700.00}, XXXX XXXX  XXXX with account number XXXX shows {$1100.00}, XXXX XXXX  with account number XXXX reports {$3500.00}, and XXXX XXXX XXXX with account number XXXX incorrectly shows a {$0.00} balance. Other discrepancies include XXXX  XXXX with account number XXXX reporting {$590.00}, XXXX with account number XXXX showing {$490.00}, XXXX XXXX XXXX with account number XXXX listing {$4800.00}, XXXX XXXX XXXX with account number XXXX showing {$1700.00}, and XXXX XXXX XXXX XXXX with account number XXXX reporting {$3300.00}. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these accounts can not be backed by legitimate documentation, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt resolution.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/year> my account with Spectrum was hacked and my identify information was stolen by a hacker who did an XXXX swap. They swapped out my phone for theirs and were able to access my XXXX  account and through that they were able to make money transfers using funds from my checking account with Chase. Chase claims that the " money transfers were valid ''. They claim it was done using my phone. This is false, as a different phone ( XXXX XXXX XXXX XXXX ) accessed my bank account on XX/XX/year> the day the fraud transactions occurred. They processed four transactions ( {$330.00}, {$35.00}, {$320.00}, and {$880.00} ) for a total of {$1500.00} ( charges posted on XX/XX/year> and XX/XX/year>. Chase issued a temporary credit but have recently reversed their decision. I have filed a police report for this. I had to close my bank accounts and open new accounts, froze my credit with the 3 credit bureaus, changed all my passwords, got a new phone, new email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My TransUnion credit report contains inaccurate late payment remarks for XXXX ( Account # : XXXX ) and XXXX XXXX ( Account # : XXXX ). These false records misrepresent my actual payment history and are unfairly damaging my credit profile. I take my financial responsibilities seriously and refuse to allow errors to persist on my report. Other major credit bureaus have corrected similar accounts due to a lack of verifiable proof, raising concerns about why TransUnion continues to report these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify these records with substantial documentation, including original creditor records with a wet signature. If such proof can not be provided, these inaccurate late payments must be removed immediately. I expect swift corrective action and a detailed response explaining the verification process used.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian failed to conduct adequate investigations of disputed information in credit reports. I disputed a bankruptcy with XXXX, it came back unverifiable and XXXX removed it from my consumer profile. XXXX reached out to Experian, to remove the bankruptcy, yet it is still being reported. 

Transunion failed to conduct adequate investigations of disputed information in credit reports. I disputed a bankruptcy with XXXX, it came back unverifiable and XXXX removed it from my consumer profile. XXXX reached out to Transunion, to remove the bankruptcy, yet it is still being reported.

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 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX The interest rate was absolutely high and is unconstitutional to my rights.please can yall check into the fraudulent activity they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: All State Credit Bureau, Inc.
State: CA

Complaint narrative:
15 USC 1611 Fault and Misleading they put inquiries on my credit report but didn't no give me the credit when I used my social security number i should not be denied that goes for all credit cards and collector I have never done business with. All negative items should be removed from my credit report so I can purchase me a house with a low interest rate an I pay all my obligations on time in a timely manner I need all inquiries removed as well so my score can stay up and stop coming down every other month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Citizens bank on XX/XX/year>, I did not request a card through them. 
Wells Fargo Card Services on XX/XX/year>, I did not request a card through them. 
XXXX XXXX XXXX  XXXX XX/XX/year>, I did not request a card through them. 
I have frozen my report since these inquiries and have gotten numerous notifications that someone out there is trying to use my information to obtain credit since I have frozen my credit report.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accur acy of my credit report. Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment histor
y and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-04 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: TX

Complaint narrative:
I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiry from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of this unauthorized inquiry. 

XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation