vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: SC

Complaint narrative:
sent debt validation letter : I am writing in response to your recent communication regarding the above-referenced debt. I am requesting that you provide written verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The name and contact information of the original creditor.

2. A detailed statement of the debt amount, including any fees or interest.

3. Documentation proving that you have the legal right to collect this debt.

Until I receive this information, I request that you cease all communication regarding this matter. 

Please provide the requested documentation within 30 days. I will await your response before taking any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
I am formally disputing XXXX collection accounts with XXXX XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX ) that has been verified on my credit report. Under the Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ), all data furnishers must ensure complete and accurate reporting. Upon reviewing the information provided, I have identified potential violations of Metro 2 standards and demand an immediate reinvestigation. 

Per the Consumer Data Industry Association ( CDIA ) guidelines, all reported information must be in compliance with the Metro 2 format, including the correct fields for account classification, payment history, and compliance condition codes. I request verification that the furnisher has adhered to these reporting requirements, including : A complete and accurate E-OSCAR AUDIT TRAIL showing the furnishers verification process. 
The signed contract or original agreement proving I authorized this debt. 
Compliance with XXXX XXXX ( XXXX XXXX XXXX ) and accurate reporting of the accounts status.

If Experian, Equifax or TransUnion or the data furnisher can not validate this account per Metro 2 standards, it must be immediately deleted from my credit report under FCRA 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX Code XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor XXXX 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-17 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been disputing that there is not a chapter on my credit reports. but XXXX and Experian and XXXX will not do a proper check into this matter. I have attached the report to this dispute to show that The chapter XXXX is not on my report, and that the chapter XXXX is. I want them to remove the chapter XXXX immediately. I have also added the letter from the courts stating that they did not report this. Thank 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been disputing that there is not a chapter on my credit reports. but XXXX and XXXX and Equifax will not do a proper check into this matter. I have attached the report to this dispute to show that The chapter XXXX is not on my report, and that the chapter XXXX is. I want them to remove the chapter XXXX immediately. I have also added the letter from the courts stating that they did not report this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I was formerly on the XXXX plan and was notified in XX/XX/2025 by Mohela that I would placed on a forbearance. The letter states : " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' My loans have still been accruing interest. Each time I log into Mohela, the balance continues to rise despite being in a 0 % interest forbearance. I called Mohela to discuss this, was argued with on the phone for a long time, and eventually the representative recognized the mistake and assured me it would be resolved in 5-10 business days. She also assured me that my balance would go down to correct for the mistake. This has not happened, and I am still accruing interest on my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

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 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-17 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: GA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against TransUnion for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), due to their refusal to remove the XXXX XXXX account from my credit report. Despite being provided with clear and indisputable proof that this account was inaccurately reported, TransUnion has failed to take corrective action. 

Key Issues 1. Failure to Correct Inaccurate Reporting I submitted evidence to TransUnion, XXXX, and XXXX, proving that all three credit bureaus were reporting conflicting and inaccurate information regarding the XXXX  XXXX account. 
XXXX and XXXX have since corrected the errors and removed the account from my credit report, acknowledging the inaccuracies. 
TransUnion has refused to take the same corrective action, despite being presented with the same proof. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Remove Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion failed to conduct a proper reinvestigation after being provided with proof of inaccuracies.

Willfully Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) TransUnion continues to report false information, despite XXXX and XXXX removing the account for being inaccurately reported. 
Failure to Ensure Maximum Possible Accuracy The conflicting data across credit bureaus proves TransUnion is knowingly misreporting this account, in direct violation of the FCRA. 

Harm Caused by TransUnions Actions Severe Credit Damage The inaccurate reporting of this account has negatively impacted my credit score, making it harder for me to obtain credit.

Emotional and Financial Stress I have been forced to dispute this account multiple times, causing unnecessary frustration and hardship.

Violation of My Consumer Rights TransUnions refusal to follow federal law has deprived me of my rights under the FCRA, while XXXX and XXXX have complied.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/year>, I received a text msg from Chase banking saying their fraud detection unit noticed a suspicious payment of {$1000.00} to XXXX. The msg asked for me to confirm if I recognized it. I replied NO as it asked. I received a follow up text msg saying I would receive a call from their team shortly. I did receive the call from phone number XXXX. The individual identified themselves as being from the fraud department. They said they showed multiple devices logged into my account and wanted to confirm if I recognized them. They gave a few different devices, which I confirmed some as mine and some not as mine. They confirmed my web account had been compromised and needed to deactivate my account. They asked for me to repeat that I did not recognize the charge to XXXX for the recorded call, which I did. They stated I would receive XXXX more text msgs from the system and the second would have a pass code that would allow for new login credentials to be created. I received both follow up msgs and then individual then asked for the passcode. The second text msg clearly stated that Chase would NEVER call and ask for that code. When I told the individual that I was uncomfortable giving the code because of what the msg stated, he started saying that he understood but that he needed it. The call was then disconnected. I had my phone on speaker phone so my husband heard the whole conversation. He then called the number that the alleged Chase representative called from and they answered. He confronted the individual on the phone about trying to scam me and the individual then claimed to have all of my information and verbally threatened us. I immediately changed the login information on my banking accounts while my husband was on the phone with the individual. We have already contacted Chase directly as well as XXXX to let them know about the issue. We have our Chase account locked and are having new credit cards issued as well. This interaction made us more concerned since the auto messages that I received about the passcode seemed to legitimately come from the Chase messaging system. I don't delete text messages and I have prior texts from that system from XXXX years ago from when I changed passwords or legitimately logged in with a new device.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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