vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a credit report dispute to Equifax regarding inaccurate reporting on an account from XXXX XXXX XXXX ( Account # XXXX ). The account involves a repossessed XXXX XXXX XXXX, sold at auction in XXXX. I provided specific evidence that the reported charge-off amount was based on inflated and inaccurate valuation data, including mismatched mileage, incorrect condition grading, and an XXXX report generated after the auction. Despite clear documentation, XXXX investigation results did not address my concerns and left the charge-off and balance unchanged. I submitted my original dispute on XX/XX/XXXX. I included : XXXX XXXX report showing XXXX miles and a condition grade of XXXX XXXX valuation based on incorrect XXXX miles and a higher XXXX condition grade Evidence the car sold for {$8000.00} ( not {$9800.00} as reported ) Documentation showing the account was sold to XXXX XXXX XXXX. Equifax responded on XX/XX/XXXX, but their letter did not explain how they verified the information, failed to clarify the balance, and did not respond to any of my listed concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
Upon reviewing my consumer reports, l discovered some instances of late payments on an account for which I have always maintained timely payments. 
Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment for the following accounts : XXXX  XXXX - XXXX * * * * XXXX - XXXX * * * * XXXX - XXXX * * * * XXXX- XXXX * * * * XXXX XXXX  - XXXX * * * * XXXX - XXXX * * * * I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that all these payments be promptly reflected as on time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I have not been in XXXX, SC since XXXX I've trying to cancel my membership with XXXX XXXX all this time. I told them I can not go to SC to cancel a gym membership. Nor am I going to continue paying for something I have not used in over XXXX  years. I've tried reaching out over the years to cancel but they keep charging my card. I've been charged over $ XXXX because they refuse to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX XXXX XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I have had my account restricted. The account is with RobinHood ( XXXX ). I have a positive holding in my spending account but my account has been restricted. Because it is restricted I can not access my money to remove it from the account. I was notified that my account will be closed but I would like to remove the funds before that happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal XXXX, commission identity, theft, affidavit. 
Please delete this items 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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello, Someone used my identity for XXXX XXXXXXXX I have never lived in XXXX. They are saying I have unpaid electric bill for an apartment I never lived in. The apartment is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA you can call them and confirm I've never lived there nor was there a lease for an apartment in that building at the time. This XXXX is Violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( % ) yet they have placed a collection on your consumer report recently. I have made several attempts to rectify this issue with XXXX XXXXXXXX directly. At this point they are violating my rights and I'm entitled to {$1000.00} for every violation listed, They need to pay for those violations or delete these accounts asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Meta Payments Inc.
State: TX

Complaint narrative:
I have been experiencing issues with XXXX XXXX, a paid subscription service from XXXX XXXX XXXX ), which I subscribed to on XX/XX/year>, for {$14.00}. I purchased the service in order to access customer support for my XXXX account, as I was previously unable to contact XXXX without it. The service did not provide the assistance I expected, and my account was permanently banned multiple times with no clear explanation or adequate support from XXXX. 

Despite the fact that XXXX XXXX was supposed to offer better customer service, including a human review of my account suspension, I was continuously met with automated responses and my requests for account reinstatement were ignored. I also encountered misleading marketing that led me to believe that purchasing XXXX XXXX would allow me to resolve these issues, but instead, I was left with a series of unresolved account suspensions and no real support. 

The advertising and marketing around XXXX XXXX did not match the experience, and I feel misled about the level of support I would receive by subscribing. I am seeking resolution to have my account reinstated and a refund for the XXXX XXXX subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXXXX XX/XX/2023 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-29 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-29 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: MO

Complaint narrative:
I have filed a dispute with the credit bureau for this XXXX account and the credit bureau is refusing to hold the creditor accountable when it comes to providing documentation that actually supports that this account belongs with to me. 

I am writing to formally dispute the validity of the above-referenced account under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), XXXXXXXX XXXX  XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

According to the FDCPA, I have the right to request a complete and proper validation of any alleged debt you claim I owe. Accordingly, I request that you provide the following : Validation of the debt including a copy of the original signed contract or other evidence bearing my signature showing I have a legal obligation to pay. 

The name and address of the original creditor, as well as a detailed breakdown of the alleged amount owed, including any interest, fees, or other charges. 


Proof of your legal right to collect this debt in my state. 
A full itemized accounting of the alleged debt. 
Verification that you are licensed to collect debts in my state, along with your license number. 

Additionally, reporting information to any credit bureau without verifying the validity of the debt may constitute a violation of the FCRA. If this debt can not be properly validated, you must immediately : Cease collection activities ; and Request deletion of this account from all consumer reporting agencies to whom you reported it, including but not limited to Equifax, Experian, and TransUnion. 

Be advised that any attempt to collect on an unverified debt, or to report inaccurate information to a credit reporting agency, is a violation of federal law, and I reserve the right to take further action to protect my interests. 

Please note that during the verification process, you are required to cease all collection activities per FDCPA XXXX ( b ) until proper validation is provided. Also, if you fail to respond to this request within XXXX days, I will consider the matter closed and will expect the removal of the collection account from my credit report accordingly. 

I expect your written response within XXXX days of receipt of this letter. All future communications regarding this matter should be in writing only. 

Please send verification request to my email address XXXX Thank you for your prompt attention. 

Sincerely, 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 2025-04-29 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: AK

Complaint narrative:
I am formally disputing the accuracy of a derogatory account being reported by TransUnion under the name XXXX XXXX XXXX with account number XXXX * * * * and a balance of {$1000.00}. This account is being reflected as a charge off, and I have reason to believe this is an error stemming from a likely data breach, which may have compromised the integrity of the data being reported. I have not received proper validation for this debt under XXXX U.S. Code XXXX, which mandates that a consumer must be provided with written verification of any debt upon request. No such validation has been provided to me, and as a result, the continued reporting of this entry without proper substantiation constitutes a direct violation of my rights under the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) and the Fair Debt Collection Practices Act.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a complaint regarding a round-trip airline ticket I booked through Chase Travel ( via Chase Ultimate Rewards points ), scheduled for XX/XX/year> on XXXX XXXX  XXXX 

On XX/XX/XXXX, I contacted Chase Travel to request a change to only the first leg of the itinerary. I was told that because the ticket was Basic Economy, no changes or cancellations could be made. I was advised to hold onto the roundtrip itinerary, with no mention of further consequences.

What I was not told and what Chase Travel failed to disclose is that skipping the first segment would result in the automatic cancellation of the return flight, per American Airlines ' policy. This is a material consequence of the itinerary and should have been disclosed at the time of my inquiry.

Because Chase Travel did not inform me of this, and actually suggested I retain the roundtrip, I was denied the opportunity to make an informed decision. I could have rebooked entirely or purchased a separate outbound ticket to preserve the return leg.

Chase Travels failure to inform me of this policy despite my clearly stated intent to change only one segment amounts to a deceptive omission, particularly given their role as a financial institution offering travel booking services. I believe this merits investigation for unfair or deceptive practices affecting consumer rewards programs and travel services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SENT AND UPLOADED TO YOU GUYS MY DOCUMENTS OF PROOF OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND HURT ME. PLEASE ASSIST ME WITH SOLVING THIS HUGE PROBLEM OF MINE. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint loan number XXXX in XXXX was incorrectly assessed {$16000.00} for " lender-placed hazard insurance. '' Shellpoint was provided accurate proof of insurance by XXXX XXXX XXXX 's insurer, XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. 

My account has been assessed a total of {$43000.00} Shellpoint has returned {$37000.00} I am owed {$5700.00}

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 2025-04-29 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: CA

Complaint narrative:
I was looking at my credit report and saw XXXX account that was open fraudulently. 

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 2025-04-29 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: NC

Complaint narrative:
In accordance with XXXX XXXX XXXX XXXX XXXX XXXX, it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The company states the loan was obtained XX/XX/year>. I have never had any notification that there was a past due loan and the debt only showed up on my credit within the last month. So almost XXXX years after this loan supposedly occurred. The only speedycash loan I took out was settled and paid. I do not owe anything. They wanted me to submit a police report showing identity theft. I told them burden of proof is not on me, it is on them as a debt collector. She insisted that since it was attached to my ssn, it was my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-29 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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