vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted capital one and XXXX XXXX  several times to show me proof of me signing for a credit card I never authorized. They never sent any documentation or proof of my signature. They also refuse to have these negative inquires and status off my credit report. Which is illegal because its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I decided to switch my home insurance and car insurance to XXXX XXXX to get a better rate. I went through an insurance agent XXXX XXXX. I was told by her assistance to call my current insurance company then XXXX XXXX  and tell them to cancel my current policy the next day because I have coverage with another insurance carrier ( XXXX XXXX ) XXXX did what I asked. One day later I get a phone call from XXXX XXXX office and says that they made a mistake with my starting date. So I could not drive for 3 days. Then I got another call ( 3 days later ) from her agency that said they made another mistake. That my coverage is not active because they had to cancel and restart. Totally upset regarding my inability to drive I told the associate to forget the car insurance. I told her I was going back to XXXX. I called XXXX and switched my car insurance only back. Months Later I get a XXXX bill from XXXX XXXX. I told her I did not have her insurance. The associate who made all the mistakes quit. I had XXXX send her my declaration and she is still saying I owe her and sent me to a credit agency. I believe she is practicing insurance Fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MO XXXX is the insurance XXXX for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Initiated dispute of balance to XXXX charge card but the company information of the reporting company is incorrect. XXXX customer service phone number and address was changed to XXXX XXXX  when their credit card services is through XXXX XXXX  out of Illinois and the number is very different for payments and account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Initiated dispute of balance to XXXX charge card but the company information of the reporting company is incorrect. XXXX customer service phone number and address was changed to XXXX XXXX  when their credit card services is through XXXX XXXX  out of Illinois and the number is very different for payments and account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
Creditor Account No. XXXX XXXX Account No. XXXX Name : XXXX XXXX Dear Sir, It is submitted that I am Member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and my MEMBER ID NO : XXXX which covers all kinds of medical expenses and costs my bills need to be updated with my my insurance. 
Please help me and update my insurance details. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to the bank on XX/XX/XXXX to remove my funds from the bank and close my account, I then withdrew XXXX XXXX {$110.00} and told the teller I wanted to close my account. I was told I cant close it with a balance so I went to withdraw the remaining XXXX dollars and the atm wouldnt allow me to withdraw. So I went to the teller and he said I wasnt able to withdraw any more money at the moment. Now flash forward a week and they charge me a maintenance fee that put my account in the negatives after I had stated that I wanted my account closed for good

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date, Experian is reporting a Late Payment for XX/XX/year>, Equifax and Transunion are reporting a Late Payment for XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. The following item do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. 
I reported this account and it was closed after investigation due to fraudulent identity. I am asking to have this account completely DELETED from my credit history as it is affecting my account.

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 2025-04-11 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: FL

Complaint narrative:
A collection account for {$790.00} from XXXX XXXX XXXX ( XXXX ) was reported to my credit report, allegedly on behalf of XXXX XXXX, without any prior contact or notice from the collection agency. I was never notified of the existence of this debt before it appeared on my credit profile, nor was I given the opportunity to validate or dispute the debt. 
This debt was never verified, and I was never contacted or notified by the collection agency prior to it being reported. I did not receive any written notice within XXXX  days of initial communication in fact, there was no communication whatsoever before it appeared on my credit profile. 

Under 15 USC 1692g ( a ), a debt collector is legally required to send a written validation notice within XXXX ( XXXX ) days of the first contact, including the amount of the debt, the name of the original creditor, and a statement of my right to dispute the debt. This never happened. 

Furthermore, this debt is no longer with the original creditor, which further obligates the current collector to validate their authority to collect and to provide full documentation. 

Because the debt was never validated and proper notice was never given, this collection account is unsubstantiated and unlawfully reported, and must be immediately removed from my credit file in compliance with 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid of my vehicle loan on or about XX/XX/year>. Since then Ive been trying to get my title so I can sell or trade in my vehicle. Chase has given me the same story time and time again claiming they either sent the title to the XXXX  XXXX or has sent it to me but I still have not received. Every time I call I get the same level service and am promised the title within. XXXX days. 

It has now been over 15 months and no title. In the mean time the value of my vehicle has dropped nearly 50 %. In addition, Chase has sent paperwork claiming the XXXX  XXXX has my title, to which Im told they rejected it long ago. Chance has since said they have it and will send to me but have not. Ive not only lost thousands in vehicle value but time in regard to selling my car, which is now facing additional maintenance repairs. I will never get an auto loan from Chase again and plan to seek other legal remedies. In my opinion this is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
A collection account for {$790.00} from XXXX XXXX XXXX ( XXXX ) was reported to my credit report, allegedly on behalf of XXXX XXXX, without any prior contact or notice from the collection agency. I was never notified of the existence of this debt before it appeared on my credit profile, nor was I given the opportunity to validate or dispute the debt. 
This debt was never verified, and I was never contacted or notified by the collection agency prior to it being reported. I did not receive any written notice within XXXX  days of initial communication in fact, there was no communication whatsoever before it appeared on my credit profile. 

Under 15 USC 1692g ( a ), a debt collector is legally required to send a written validation notice within XXXX ( XXXX ) days of the first contact, including the amount of the debt, the name of the original creditor, and a statement of my right to dispute the debt. This never happened. 

Furthermore, this debt is no longer with the original creditor, which further obligates the current collector to validate their authority to collect and to provide full documentation. 

Because the debt was never validated and proper notice was never given, this collection account is unsubstantiated and unlawfully reported, and must be immediately removed from my credit file in compliance with 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 2025-04-11 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: FL

Complaint narrative:
A collection account for {$790.00} from XXXX XXXX XXXX ( XXXX ) was reported to my credit report, allegedly on behalf of XXXX XXXX, without any prior contact or notice from the collection agency. I was never notified of the existence of this debt before it appeared on my credit profile, nor was I given the opportunity to validate or dispute the debt. 
This debt was never verified, and I was never contacted or notified by the collection agency prior to it being reported. I did not receive any written notice within XXXX  days of initial communication in fact, there was no communication whatsoever before it appeared on my credit profile. 

Under 15 USC 1692g ( a ), a debt collector is legally required to send a written validation notice within XXXX ( XXXX ) days of the first contact, including the amount of the debt, the name of the original creditor, and a statement of my right to dispute the debt. This never happened. 

Furthermore, this debt is no longer with the original creditor, which further obligates the current collector to validate their authority to collect and to provide full documentation. 

Because the debt was never validated and proper notice was never given, this collection account is unsubstantiated and unlawfully reported, and must be immediately removed from my credit file in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Social number isn't working now wrong spell names never changed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: DE

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-11 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: CA

Complaint narrative:
I am not receiving my reversal credits back from XXXX or XXXX on my way2go card for child support payments. I am owed over XXXX dollars in reversal fees. I reached out to way2go card and XXXX  and have not heard anything. I submitted a complaint to the better business bureau as well. I use this card to pay for rides and I dont know if its XXXX or my card provider but they are not releasing my money back onto my card. I am being charged different rates then quoted and the original amounts have not been refunded or released back onto my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
**EXPERIAN Credit Report Summary** Report Number : 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 I would like to bring to your attention that the items listed in my credit report were negatively impacted during a data breach involving XXXX. This incident has had a significant effect on my credit profile due to discrepancies such as incorrect addresses, phone numbers, and misspellings of my name, all of which I reported at the time of the breach. I believe that these inaccuracies should be addressed and rectified appropriately. Thank you for your attention to this matter.

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 2025-04-11 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am a victim of XXXX  XXXX and ongoing financial abuse. During my relationship, my abuser coerced me into opening accounts and mismanaged them without my consent. Some accounts may have been opened or used in my name under pressure, without my full understanding, or in ways I could not control due to threats, manipulation, or fear for my safety. 

I am currently living in a XXXX  XXXX XXXX  and have no income. I am working with case managers and legal advocates to recover and rebuild my life, but these accounts are severely impacting my ability to secure stable housing and employment. 

I respectfully request the removal of these accounts from my credit report, as they were incurred due to financial abuse. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report, and as a victim of XXXX  XXXX, I am entitled to protections under Section 605A of the FCRA, which prohibits the reporting of certain information that could be harmful to survivors of XXXX  XXXX. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am protected from abusive debt collection practices, which I have experienced as a result of this financial abuse. 

I am willing to provide documentation from my shelter or advocate confirming my status as a XXXX  XXXX survivor and request the immediate removal of the accounts linked to this period of abuse. 

Please consider my situation under the Violence Against Women Act ( VAWA ), which offers financial protections to victims of XXXX  XXXX, including the removal of harmful financial information related to the abuse.

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