vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed XXXX complaints without explaining how they calculated net spend for XXXX as {$14000.00}. This was just shy of the {$15000.00} needed to earn a XXXX XXXX XXXX XXXX. It is unknown whether or no they counted the transaction at XXXX on XX/XX/XXXX amount of {$450.00} as part of the total calculated net spend. There was a dispute recorded on this transaction, but Chase found it to be a legitimate transaction. Therefore, this should be counted towards the total calculated net spend in XXXX. It is unclear whether Chase did include this or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-07 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: TX

Complaint narrative:
I am writing to formally request the removal of multiple unauthorized inquiries from your company that have appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the immediate unfreezing of my credit file. SEE ATTACHED DOCUMENT

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 2025-03-07 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: MO

Complaint narrative:
Proper validation of debt was never received. I sent out dispute letters regarding proof of authorizing a debt to be reported on my credit report on XX/XX/year> via certified mail. It has been past the required amount of time for reinvestigation and there has still been no update regarding validity of the inaccurate accounts on my credit report. These companies have failed to comply and are violating my consumer rights. The inaccurate accounts that should be removed from my credit profile consist of the following. 

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 Since it has been past 30 days and they can not prove that gave permission to report this account on my profile, nor that I owe this debt, it is a violation of my rights and it should be removed from my credit report immediately.

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am writing to formally dispute an inaccurate collection accounts that appears on my credit report. According to my records, this information is incorrect and be removed The immediately disputed acc detail are as follows acc. 1. National Credit Adjust acc number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Founding LLC.acc, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the account because briefly explain the reason such as i do not recognize this debt this account was reported in error reason Under the Fair Credit Act [ FCRA ] I request that this items be investigated and either verified or removed from my credit report, Please complete the investigation within the required 30 day period the provide me with a written response regarding your findings. if information can not be verified, I request that it be deleted from my credit report immediately, Thank you for the prompt attention to this matter, Please confirm receipt of this dispute mail or email at your earliest convenience Thank you XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to verify these accounts positively has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : LVNV Funding LLC In addition, please remove all non-account holding inquiries older than 30 days and add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your reinvestigation? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I sent a letter to RENT RECOVERY SOLUTIONS on a debt of {$1400.00} which Im not under no obligation to pay. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Admittedly I was behind on payments to credit card. I tried to make a large payment to the credit account, but I was unaware the payment had returned. I received no email or letter in the mail stating the account was closed. Once I noticed the money never left my bank account cause it was flagged as fraud, I remade the payment and everything went thru. Not until a week or XXXX after I go to used the card, and learn the account it closed. I try and call and they say they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX # XXXX XX/XX/XXXX -- {$3400.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$41000.00} XXXX  XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$45000.00} XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$62.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} 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 2025-03-07 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX # XXXX XX/XX/XXXX -- {$3400.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$41000.00} XXXX  XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$45000.00} XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$62.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} 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 2025-03-07 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to inaccurate and incomplete reporting on my credit report. Despite my dispute, no proper verification or correction has been made, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Issue : XXXX. Incorrect Authorized User Reporting : I am listed as an authorized user on XXXX XXXX XXXX ( Acct # XXXX ), but I am not responsible for this account. Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy. If I am not financially responsible, the account should not affect my credit profile and must be removed or corrected. 

XXXX. Inconsistent Credit Limits & High Balance Reporting : The reported credit limit and highest balance fluctuate incorrectly across different months. This violates FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), which requires the bureau to investigate and correct inaccurate reporting. 

XXXX. Missing Payment History ( XX/XX/2023 ) : My report lacks complete payment history for this account. FCRA 15 U.S.C. 1681e ( b ) requires accurate and complete reporting. If XXXX XXXX can not verify this missing data, it must be updated or removed. 

XXXX. Failure to Remove Unverifiable Information : I requested verification of these details, but neither XXXX XXXX nor the credit bureau has provided proper documentation. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable data must be deleted. 

XXXX XXXX XXXX XXXX  Failure to Report Accurate Information : XXXX XXXX XXXX is required under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to provide only accurate information but has failed to do so. Additionally, they are required to investigate disputes under 15 U.S.C. 1681s-2 ( b ) and have not complied.

Due to these reporting errors, my credit score has been negatively affected, impacting my ability to obtain credit. This has caused financial loss, stress, and unnecessary time spent disputing incorrect information that should have been properly investigated.

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 2025-03-06 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: TX

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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-06 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.

Complaint narrative:
The issue is that they are not responding to my requests, and whenever I ask them to review potential inaccuracies, they claim I am someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be properly validated and reported with complete accuracy, which is not happening in this case. 

I have attached a letter requesting them to verify and confirm the accuracy of the reported 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 non-monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
Upon reviewing my consumer reports I noticed hard inquires that I did not make nor did I approve anyone to pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One informed me when I called to them on XX/XX/year> I informed them that my checks that are being sent to them directly from XXXX XXXX The principal payment only amounts XXXX Capital One has repeatedly claimed that if any consumer is behind on payments they will not apply any extra payments directly to Principal It is a Capital One Policy Please consider that My payment goes from XXXX XXXX XXXX across state lines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NV

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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