vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute ( XXXX XXXX XXXX accounts that are fraudulently listed on my credit report. I have never opened or authorized any accounts with XXXX before XX/XX/year>. In fact, I was not even aware of the company until last year. These accounts were opened without my consent by someone who used my personal information to book hotels and trips. 

These accounts are inaccurate, unverified, and were reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of these fraudulent Affirm accounts from my credit report.

Please respond to my dispute in writing once the investigation is complete. I appreciate your immediate 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 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
account was closed with XXXX balance, XXXX continued to charge for an additional month after account was closed now sunrise collections is demanding payment and reported the collection to credit bureaus

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 2025-04-04 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
this is a violation of 15 u.s. code 1681i ( 5 ) removal of inaccurate /invalidated credit information please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Ive gotten over 8 calls in a 4 day span all from a set of numbers with differing last 4 digits all hours of the day. The number of calls is getting out of hand. It feels very misleading that they keep changing numbers. And not leaving voice mails when i dont answer. All 8 of the calls in the image attached are from the same company.

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

Complaint narrative:
I am writing to formally request the immediate blocking of fraudulent information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

This request is made due to a data breach that exposed my personal information, leading to unauthorized accounts or transactions appearing on my credit report. Under FCRA 605B, you are required to block the fraudulent information from my credit report within four ( 4 ) business days of receiving this request. Additionally, you may not notify the creditor ( s ) in question before processing my request unless the information is determined to be erroneous or fraudulent.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to dispute several inaccuracies appearing on my credit report in connection with my XXXX XXXX  account ( Account # XXXX ). I have identified information that I believe is either incorrect or incomplete, and I request that these inaccuracies be promptly investigated and removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This account was reported as a charge off and is impacting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged off. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows as charged off? Im pretty sure you know that is a violation. I demand immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account. 

Specifically, I request that you review and verify all information associated with the above account. In accordance with 15 U.S.C. 1681e ( b ), please ensure that the information furnished is accurate and complete, and under 15 U.S.C. 1681i ( a ), please investigate my dispute and provide me with a written response within the statutory timeframe. 

I respectfully request that any inaccurate information be removed from my credit file and that you provide written confirmation of the actions taken. Please also include an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to dispute several inaccuracies appearing on my credit report in connection with my XXXX XXXX  account ( Account # XXXX ). I have identified information that I believe is either incorrect or incomplete, and I request that these inaccuracies be promptly investigated and removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This account was reported as a charge off and is impacting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged off. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows as charged off? Im pretty sure you know that is a violation. I demand immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account. 

Specifically, I request that you review and verify all information associated with the above account. In accordance with 15 U.S.C. 1681e ( b ), please ensure that the information furnished is accurate and complete, and under 15 U.S.C. 1681i ( a ), please investigate my dispute and provide me with a written response within the statutory timeframe. 

I respectfully request that any inaccurate information be removed from my credit file and that you provide written confirmation of the actions taken. Please also include an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to file a formal complaint against Capital One for significant issues with their credit card payment interface and customer service, which have been exacerbated by my intellectual  XXXX. Capital One promoted the opening of a new bank account with a specific promotion, which I accepted. They then set this account as the default for payments without clear indications, significantly confusing me, as I never use this account. The lack of clarity in the app 's interface and the default setting led to multiple erroneous payment submissions. 

The repeated failures to make successful payments were due to this confusion, which my intellectual  XXXX made harder to navigate. My numerous attempts to seek help from customer support ( approximately 8-10 calls ) were met with rudeness and no substantive assistance. I have been unfairly penalized with a reason code on my credit card cancellations that has severely damaged my credit score, affecting my future financial opportunities. 

I request that the Consumer Financial Protection Bureau assist me in addressing these grievances with Capital One. Their system 's design flaws and inadequate customer service have led to undue hardship and financial distress. 

Thank you for considering my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday XXXX XX/XX/year>, My debit card had been stollen after I went to the ATM, criminal withdraw ATM {$300.00} and {$200.00} with my card and paid gas station {$20.00}, I called chase bank fraud department, they opened a claim and declined it for the reason my PIN code had been used. 

I did not authorized these expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX XXXXXX/XX/2025 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company has violated my rights by not providing validation proof that the collections they are reporting belong to me. I have made previous attempts to fix these issues and they have yet to delete these accounts.

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 2025-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hawthorn Recovery Services, Inc.
State: MO

Complaint narrative:
XXXX  XXXX  removed in XXXX at XXXX XXXX  dermatology. XXXX sent a bill for {$1100.00}. Contacted insurance at the time who provided EOBs for lines of service, including : Repair of wound to the axilla with an allowed charge of XXXX. 
Excision of lesion with max amount of allowed charge XXXX Office eval with XXXX allowed charge {$32.00} In addition to providing XXXX as well as central Missouri dermatology the EOBs for this medical bill I also inquired and sent proof of payments including : XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX. 
XXXX received in office date of service XX/XX/XXXX for wound follow up amount {$40.00}. 
XXXX paid XXXX XXXX A payment of XXXX on XX/XX/XXXX. 
Another payment of XXXX on XX/XX/XXXX On XX/XX/XXXX it was noted that there was no insurance applied to this procedure. Therefore a claim was filed to XXXX XXXX to reopen and I was instructed to disregard this bill with the knowledge that I had already provided payment for the total of {$370.00}, which was all I owed once insurance was correctly submitted. I actually have overpaid on this bill and Im owed {$26.00}. I have submitted this payment information first to physicians billing office on XX/XX/XXXX I faxed it to XXXX attention XXXX XXXX XXXX XXXX XXXX to the person named XXXX. This debt was then forwarded on to a second collection agency to whom I sent the same payment information XXXX law firm fax XXXX attention XXXX XXXX that fax was sent on XX/XX/XXXX. another facts with payment information was sent to physicians billing office of XXXX XXXX  XXXX  on XX/XX/XXXX of XXXX also providing the same payment information with receipts and EOBs from XXXX XXXXFinally today XX/XX/XXXX I am continuing to receive collection data now from XXXX XXXX XXXX XXXX for the continued charge of {$370.00}. I feel that this is harassment I feel that this information has been sent multiple times and that this agency is purposely and unlawfully forwarding on my debt and an attempt to maintain it with an current statute to collect when it is illegally being forwarded on between consolidation companies, regardless of facts and receipts sent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX to inquire about a credit increase. After trying to confirm my account for TEN minutes with the rep, I asked to be transferred to a supervisor. I spoke with the supervisor and asked if there would be a ding on my credit report if I was looking to get an increase. 

She told me no, that it would be internally determined. I asked her TWICE if that was correct. She said because I have excellent payment history over the past year, and that I could be eligible. I told her that's fine, AS LONG as there is no inquiry placed on my credit report. She put me on hold for 2 mins., and told me I was eligible for a {$200.00} increase. 

Literally, two minutes after I hung the phone, I got an email stating that there was a ding on my XXXX report from Comenity Bank and I didn't even agree with it. I want this inquiry removed from my report, for XXXX XXXX to start use AMERICAN customer service reps, and to teach them to NOT LIE TO THEIR CUSTOMERS.

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

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
My loan has been managed by XXXX XXXX XXXX  and changed the servicer to Mr.Cooper. Both companies provide different dates for the change XXXX XXXX XXXX  claim transfer is XX/XX/XXXX and all the payments prior ( including XX/XX/XXXX ) are due to them. Mr. Cooper claims the service transfer XX/XX/XXXX and XX/XX/XXXX payment is due to them. I talked to both and they keep saying this date is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX, JPMCB Card XXXX XXXX : JPMCB Card XXXX XXXX : XXXX XXXX, JPMCB Card XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. 

The XXXX account was charged off on the following date XX/XX/ 2024. The Jpmcb card was charged off on the following date of XX/XX/2024. Since then, the accounts has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX JPMCB Card XXXX

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

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

Company response to consumer: Closed with non-monetary relief