vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Already complaint ti XXXX  and Bank of America for this matter still not being resolved this is getting out of had i called them 3 days in row even. Ask for to a Supervisor XXXX about this problem because they way is been handle is not a usual the fraud department of Bank of america didn't do the steps to attached the documents i send to all 3 claims and taking more time all the to be resolved i even explained to them this is affecting financially and emotionally I had to go a XXXX because this affecting me with XXXX  and stress I send a documents today written about what I'm feeling and I'm going through i even explained that in a process to buy house and this wouod affect me nothing NOTHING. Has been done I WANT MY MONEY now ot today I'm going lawyer because I don't have no more patience # XXXX # XXXX # XXXX this are my 3 claims

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 monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
What happened : I am filing this complaint because my XXXX XXXX loan servicer, XXXX, reported a delinquency on my account due to a mistake on their end. I had autopay set up, and the funds were available in my bank account. However, they failed to process the scheduled payment, and as a result, marked my account as delinquent and reported this to the credit bureaus. 

This delinquency caused a significant drop in my credit score, which is now impacting my ability to qualify for a mortgage with reasonable terms. 

I contacted XXXX directly and explained that I had autopay enabled and that the missed payment was due to their error. Despite this, they refused to take responsibility or remove the delinquency. I have maintained a consistent history of on-time payments and have documentation proving autopay was enabled at the time. 

This reporting is inaccurate and unfair, and I am requesting the following : 1.That the servicer correct the error and remove the delinquency from my credit report. 
2.That the servicer provide written acknowledgment of the mistake and its resolution. 
3.That any updates be sent to all three major credit bureaus promptly. 

I am attaching relevant documentation, including screenshots or records of my autopay setup, which has been working PERFECTLY FINE SINCE 2023!!!!! I HAVENT MISSED PAYMENTS THE LAST 2 YEARS!! Auto pay has been set up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
The company called me many times per week inquiring about a debt I allegedly owed. I informed them my identity was stolen and I lived elsewhere at the time they stated I lived on their property. They asked for proof including a lease or utility bill. I mailed BOTH a copy of my lease and a copy of my utilities at the time. When I called back they stated they received it but disregarded it and said I still need to pay them because they have proof I lived there. I asked for the proof as I did not, and they said the copy of my stolen ID was proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a line of credit opened at XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-07 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The account was opened fraudulent. I am connected to a XXXX XXXX XXXX and it is reported onto my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I, being of sound mind, do solemnly declare under the penalty of perjury that the following statements of fact are the truth to the best of my knowledge pursuant to 28 U.S.C. 1746. I do so declare : XXXX. That on XX/XX/year>, I placed it the U.S. Postal Mail Service, via First Class Mail postage pre-paid, a letter to MERCHANTS & MEDCAL.

2. That in this letter I specifically requested this Company to provide me with the Original signed contract that I have with their Company, 3. That I requested a copy of the Purchase Agreement between their Company and the Original Creditor. 
4. That I notified their Company that the failed to provide me with a Validation of a debt that I owed to their Company, prior to their placing a collection of debt notification on my consumer report.

5. That I requested the Company Cease and Desist reporting this debt to my consumer report until I am provided with all documentation I requested in my letter to them.

6. That MERCHANTS & MEDCAL have failed to provide me with all the documentation I requested from them to date. 

FURTHER AFFIANT SAYETH NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-05-07 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XX/XX/year> {$880.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: DreamSpring
State: GA

Complaint narrative:
told me that my wages could be garnished, credit negatively impacted and even potentially face jail time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The past few days I've been receiving calls from my husband 's Chase account. This is an account that he has had for over 15 years and before we even met. I don't know how they got my contact information but the representatives are trying to put the blame on him for providing it when he never has. They have called from 2 different numbers : ( XXXX ) XXXX & ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>XXXX  I noticed a charge on my credit card bill for {$76.00} I called because I also noticed a charge for {$100.00} and when I called the company about these charges. They were from XXXX paid through XXXX. I never authorized neither charge. they removed the charge of {$76.00} off my on XX/XX/XXXX and turned around on XX/XX/XXXX and charge me {$100.00}. They are now informing me that I own {$67.00}, I have been trying to get this off of my credit card, I asked them, what I had to do, and I was told send verification and a letter to a link they sent me. Well, I investigated my account and I also sent all the information I collected. Which included 14 pages of people from different countries, trying to get in my account with my email address, the PDF file was over XXXX. I spoked with a supervisor ( XXXX XXXX ) who informed me that they never received any file.I did my own research this night because they told me XXXX said I did it. I never did apply for this. I must admit I have used the free addition of XXXX XXXX but never have. I downloaded XXXX subscriptions. I asked then what was the IP address to see if it was from my XXXX or XXXX, however I dont have a computer. If they reimburse for one charge why charge me again for the same thing I want this taken off my charge card, I never authorize it. Im a XXXX, XXXX  citizen and I may write one letter every two years. I dont think I should be charged for something I did not authorize and I did not approve. I have tried to resolve this with XXXX. I have tried to call XXXX, XXXX has no customer service where you could speak to someone at this point I am aggravated and discouraged with this charge, I want this investigated and removed off of my credit card thank you in advance for your time and attention into this matter. The credit card was Capital One Quicksilver ending in XXXX. If you have any further questions I maybe reached at : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
XX/XX/year> {$0.00} Account is showing as a collection {$0.00} on my credit report. I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

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 2025-05-07 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: GA

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 2025-05-07 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:
The following accounts listed are not mine and were unauthorized 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 2025-05-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) everything on my credit report must be accuarate and correct information about my personal information, however the credit bureaus are reporting incorrect addresses on my credit report. My current and only address is XXXX XXXX XXXX XXXX VA 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 2025-05-07 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: GA

Complaint narrative:
I am writing to formally request the deletion of the XXXX XXXX account currently listed on my credit report. This account is inaccurate and unverifiable. 

As of XX/XX/year>, I have confirmed that XXXX, a nationwide consumer reporting agency, is not reporting this account. Its absence from my XXXX credit file indicates that the account is unverifiable or otherwise fails to meet the legal standards for reporting. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies must delete any item of information that can not be verified within 30 days of a consumer 's dispute. Given that XXXX does not report this account, I am requesting that you conduct a reinvestigation. If you are unable to provide verifiable documentation from XXXX XXXX, you are required to remove this account from my credit file. 

Continued reporting of unverifiable information constitutes a violation of federal law and causes unjust harm to my credit profile. Should this account remain after 30 days without proper verification, I reserve the right to pursue all legal remedies under Sections 616 and 617 of the FCRA ( 15 U.S. Code 1681n and 1681o ), including statutory damages, punitive damages, attorneys fees, and court costs.

Please provide written confirmation of the reinvestigation results and send me an updated copy of my credit report reflecting any changes. 

Thank you for your prompt attention to this matter. I trust you will comply with the law and remove the unverifiable information accordingly.

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