vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: MO

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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The information on my Equifax credit report is completely blanked and my score hasn't been updated since XX/XX/year>. This issue is consistent in my XXXX, XXXX XXXX, my equifax and XXXX XXXX accounts. 

I want access to my report and I'm attaching documents for proof of my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a refi process w/ Chase. The terms of the refi was a 15 years fix@ 5.25 % and .116 % discount. Chase locked the terms for 30 days. I promptly provided Chase w/ all documents they requested and was told weekly that everything was progress nicely and they don't see any issues closing in 3 weeks time. When we were 7 days away for the expiration date, the loan officer promised me Chase would renew the lock another 30 days if necessary at no fees to me since I have provided them with everything they needed. However, he doesn't think it's needed since things were on target and we'll be closing shortly.

On the expiration date, I contacted the loan officer and he assured me everything was going as expected.

A few days after the expiration date, the loan officer told me Chase abruptly closed my file but he assured me that was a mistake and that he will take care of it. 
Weeks went by and the loan office told me Chase re-opened my file and that we are back on target. However, a couple days later, I received a package from Chase w/ a new term - 15 years fix@ 5.25 % and a 1.001 % discount fee.

This is when I knew Chase was giving me the run around so I asked for a refund of my {$500.00} Good Faith fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: ND

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft, these items are not related to any transactions completed by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
While reviewing my credit file I noticed an unauthorized account that does not belong to me. I have mailed in documentation and letters to the bureau for proof of account and have not yet been notified with any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
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 2025-03-10 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AK

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT ASAP. THE COLLECTOR MUST SEND A CLEAR LETTER AND VERIFICATION OF DEBT DISCOVERBANK ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-10 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-10 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing an account on my credit report with XXXX that was opened when I was a minor. According to the law, minors can not legally sign binding contracts, which renders the contract for this account invalid. The account was opened in XXXX, and it was incorrectly reported as a valid account on my credit report, which has negatively impacted my credit history. 

I contacted XXXX on many times to explain that I was legally incapable of signing the contract due to my age at the time. On [ date of contact ], I received a letter from XXXX confirming that the account would be removed from my credit report. However, the account still appears on my Experian credit report. 

I have attempted to contact Experian to resolve the issue, but they have not yet removed the account, despite the confirmation from XXXX. I am requesting the removal of this account from my credit report, as it was opened when I was a minor, and therefore the contract is legally invalid. 

Additionally, I do not believe it is fair that I am being held responsible for this account, especially after making a payment arrangement in XXXX. The fact remains that the account was opened when I was a minor, which should have been properly verified before the account was 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 2025-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: NJ

Complaint narrative:
I spoke with Bounce AI and requested any paperwork with a signature on it as well as identification. They refused to provided any information just a phone and address that I have never lived at. Also requested proof of the debt which they have denied me as well. They asked me for FTC report and police report which I had previously provided and they state I never did and that they have talked to me before. Then I requested a copy of that conversation that they stated was recorded and they refused to provide me with that recording. They were rude and would not give me any help except and email to send them information. I never received emails or postal mail they just refuse to give me proof or any information. I have gone back and forth with them for months with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Mitigation Services, LLC
State: FL

Complaint narrative:
On Monday XX/XX/year> I was contacted via a voicemail by a " XXXX XXXX '' about a file she needs to discuss with me. My father received a voicemail by an " XXXX XXXX  '', unsure of spelling of names, with the same call back number at XXXX ( XXXX ) XXXX. I looked up the number and it is connected to Revenue Reporting Services. This from what I read up on is a third party debt collector. For what debt they collected I am unsure of, I have not received anything in writing as of today XX/XX/year>. The extension number that the associate " XXXX XXXX '' left is ext XXXX. I already believe they have violated my rights under the FDCPA by contacting my family member and not sending any formal letter, which that contact number of my family member was never divulged on any loan I have taken out in the recent years. This is harassment under the FDCPA guidelines as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. 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 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This debt was reported on my credit report. I called collector and they are claiming to not be a debt collector, but a monitoring service specializing in credit repair. I called the original debtor on report ( safe link now optimum ). I called both companies to have them pull my profile ( I never signed up for service ) so I could collect more data, but they were unable to pull any accounts with any last name Ive ever used. I then asked to be transferred and escalate the issue, but they said without an account, they could not do so. I can not get help for the original debtor and the collections company continues to deny being the collector. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Subject : Formal Demand for Immediate Deletion Unlawful Reporting, Privacy Violations & Debt Misrepresentation This is a formal demand for the immediate deletion of the fraudulent account you are reporting to the credit bureaus. Your company has no legal standing to collect this alleged debt, and your actions constitute multiple privacy violations, unlawful credit reporting, and deceptive collection practices. 

Privacy Violations & Unauthorized Access You have illegally accessed and reported information on my consumer credit file without my consent or permissible purpose, in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I did not authorize you, nor did I ever enter into a contractual agreement with your company. Your unauthorized access to my private data is a clear violation of my federally protected privacy rights. 

No Agreement Exists You Have No Right to Collect I never signed an agreement with your company, nor do I owe you any debt. You are a third-party debt buyer attempting to force me into an agreement that I never consented to. Per 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide legally valid proof that I owe this alleged debt to your company. You have failed to do so. A generic contract from XXXX does not establish any obligation between me and your company. 

Unlawful Credit Reporting & Misrepresentation By furnishing and continuing to report this unverified debt to the credit bureaus, you are in direct violation of 15 U.S.C. 1681s-2 ( a ) of the FCRA, which prohibits the reporting of inaccurate, incomplete, or unverifiable information. Your claim that I must pay to remove this account further confirms that your reporting is not legally valid and is being used to coerce me into paying a debt I do not owe. 

Pay-for-Deletion is an Admission of Invalid Debt Your offer to delete the account if I pay is a deceptive collection practice and a violation of FDCPA ( 15 U.S.C. 1692e & 1692f ). If this debt were legitimate, removal would not be contingent on paymentit would remain per FCRA guidelines. This proves your reporting is an unlawful attempt to pressure me into payment for a debt you can not legally substantiate. 


Failure to comply will result in formal complaints and potential legal action for violations of the FDCPA, FCRA, and Gramm-Leach-Bliley Act ( GLBA ) regarding privacy breaches. I expect your prompt response confirming that this matter has been resolved and removed from my credit file.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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