vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
There too many to list. My entire student loan portfolio is wrong, and they do not have enough resources to assist me.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After I lost {$220000.00}, Chase refused to compensate me by avoiding the fact that my personal information was stolen.I would like to ask whether Chase noticed that my personal information was changed by someone else.Did Chase notice that someone else replaced my debit card? Did Chase notice that the fraudulent account and my own account were not in the same state? Is this how Chase oversees and protects its customers ' assets? Without my authorization, money was withdrawn from my accountthis is Chases failure of responsibility.I request that Chase provide the surveillance footage from the day the money was withdrawn to clarify why someone else was able to take money from my account.On that day, they also deposited a fake check, which is highly suspicious. Typically, a check has a pending period of 1 to 3 days, but that fake check was deposited and immediately showed as credited to the account on the same day. This is not right.I strongly suspect that there may have been improper actions by Chase employees.Any transaction that was not authorized by me is not to be recognized.I hope Chase will provide me with a reasonable explanation for the above issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
The results of a recent credit investigation conducted by Experian regarding a charged-off account reported on my credit file. The investigation was not completed accurately, and I did not receive proper verification of this account as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my request, Experian failed to provide original documentation from the original creditor verifying the accuracy of this charge-off. Instead, the account was updated as a charge-off once again without furnishing any proof to support the claim. This practice is both misleading and a violation of federal law. 

FCRA Violations & Request for Removal Lack of Proper Verification FCRA 609 ( 15 U.S.C. 1681g ) I requested full documentation proving the validity of this charge-off, including the original creditor agreement and payment history. 
Experian failed to provide this yet still updated the file. If proper verification can not be provided, the account must be deleted immediately. 
Inaccurate & Misleading Reporting FCRA 611 ( 15 U.S.C. 1681i ) A charge-off is a one-time event, yet Experian is updating it monthly, making it appear as ongoing delinquency. This is misleading and damaging to my credit profile. 
I demand immediate removal or proper correction of this account.

Failure to Ensure Accurate Reporting FCRA 623 ( 15 U.S.C. 1681s-2 ) The furnisher is legally required to provide accurate and complete information to Experian. 
If Experian is updating this charge-off without verifying its accuracy, it is failing in its duty to maintain correct records. 
Security & Accuracy Concerns Due to Experians Data Breach Given Experians recent consumer data breach, I have serious concerns regarding the accuracy and security of my credit file. 
As Experians security failure has compromised consumer information, I demand heightened verification standards before any negative information is updated. 
Final Request & Next Steps If Experian can not verify this charge-off with full, original documentation, I demand its immediate removal from my credit file. 

I expect a response within 30 days as required by the FCRA. If this dispute is not properly investigated, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please provide written confirmation of the resolution to my dispute.

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I received multiple robocalls starting on XX/XX/25 from XXXX asking me to return the call to XXXX. I contacted them first on XX/XX/25 and was asked for a merchant ID for them to look up my account. As I do not have a merchant ID to my knowledge with this company, I advised them of this and instead they looked up my phone number. At that time, it was confirmed that my name, nor the name of my business does not match the information listed in their records. The representative was unable to provide me with any additional information about whose information comes up. I contacted my business 's merchant processing team and advised them of the calls being received. We then got on a 3 way call with First Data XXXX Services again and once again it was confirmed that this debt is not my debt nor my business debt. They confirmed they are unable to locate any information regarding myself or my business. On that call, I asked them to please remove my phone number from their records and to cease contact as this was not my debt and they are harrassing me. The representative promptly ended the call saying I was threatening her. 

I contined to receive multiple robocalls between that date and today for the same issue. On today, XX/XX/25 I called the XXXX number again and experienced the same issue. The representative advised again that my name nor my business name came up in their records but rather a different name to which I have no knowledge of this person. I asked this representative to please remove my number from their records and for the calls to cease. The representative advised me she was unable to do so and I would need to speak with their customer service department to remove my number since the information does not match. I was given the number of XXXX for their customer service department and was transferred. After speaking with the customer service representative, he advised that they are unable to locate any account information for me or my business. I asked him to please communicate with the collections department to ask them to cease contact with me and was advised that he was unable to do so as the two departments do not communicate. I asked what resolution could happen as I have asked multiple times for contact to cease and I am being harrassed. He advised there was nothing that could be done. At that time I asked to speak with a supervisor, was placed on hold for 15 minutes and then the call was disconnected on their end.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
am submitting this complaint regarding Ally Financial failure to provide a 1099-C Cancellation of Debt form as required by the IRS or to remove the debt from my credit report. 

On XX/XX/scrub>XX/XX/XXXX, I sent Ally Financial a formal written request via certified mail requesting that they either : Provide a 1099-C form if they had officially canceled or forgiven the debt, or Permanently delete the debt from my credit report if they were unable to provide the required 1099-C form. 
It has now been well over 30 days, and I have not received any response from Ally Financial. They have neither provided the 1099-C form nor taken any action to remove the reported debt from my credit history. This lack of response is preventing me from resolving this matter properly. 

By reporting a charge-off or profit-and-loss write-off on my credit report, Ally Financial is indicating that the debt has been forgiven. Per IRS regulations, if the amount is {$600.00} or more, a creditor is required to issue a 1099-C form so that I can properly address the tax implications. Their failure to do so, coupled with their lack of response, is unfair and prevents me from addressing this matter correctly. 

I am requesting immediate intervention to ensure that Ally Financial either : Provides me with the 1099-C form, or Removes the debt from my credit report permanently if they can not provide the required tax document. 
I have attached proof of my certified mail request to Ally Financial, including tracking details showing that it was delivered, yet I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
Company called step daughter and advised they were trying to collect a debt from XXXX and gave the amount of the debt. My step daughter said I don't know what your talking about and collector hung up on her. This call took place on XX/XX/year> roughly around XXXX eastern time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-03-12 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 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 non-monetary relief
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
In XX/XX/year>, a XXXX late payment was incorrectly reported on my credit file for XXXX XXXX XXXX XXXX. This reporting is inaccurate and violates 15 U.S.C. 1666b, which requires that a creditor must ensure billing statements are sent at least 21 days before the due date before marking a payment as late. 

Additionally, under 15 U.S.C. 1681 ( FCRA ), credit bureaus must maintain maximum accuracy in reporting, and 15 U.S.C. 1681a ( 2 ) states that certain consumer-creditor transactions should not be included in consumer reports. I have disputed this error with the credit bureaus, but the inaccurate late payment remains on my report.

I am requesting that the credit bureaus remove this late payment immediately, as the furnisher has failed to provide verifiable proof of its accuracy, making it unfair and unlawful under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
In XX/XX/year>, a XXXX late payment was incorrectly reported on my credit file for XXXX XXXX XXXX XXXX. This reporting is inaccurate and violates 15 U.S.C. 1666b, which requires that a creditor must ensure billing statements are sent at least 21 days before the due date before marking a payment as late. 

Additionally, under 15 U.S.C. 1681 ( FCRA ), credit bureaus must maintain maximum accuracy in reporting, and 15 U.S.C. 1681a ( 2 ) states that certain consumer-creditor transactions should not be included in consumer reports. I have disputed this error with the credit bureaus, but the inaccurate late payment remains on my report.

I am requesting that the credit bureaus remove this late payment immediately, as the furnisher has failed to provide verifiable proof of its accuracy, making it unfair and unlawful under the FCRA.

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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-12 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] XXXXGM Financial XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Immediate Correction/Deletion To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading reporting of the account listed below on my credit report. This letter serves as an official demand for immediate correction or removal of the erroneous information as required by the Fair Credit Reporting Act ( FCRA ). 
Account Details : Creditor Name : XXXXGM Financial Account Number : [ Insert Account Number ] Credit Bureaus Reporting the Error : [ XXXX, XXXX, XXXX ] Upon reviewing my credit report, I have identified significant inaccuracies related to this account, including but not limited to : Incorrect balance or past-due amount Inaccurate date of first delinquency Misleading status of the account ( e.g., reported as open when closed, duplicate reporting, etc. ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), creditors and debt collectors are required to report accurate and verifiable information. The inaccurate reporting of this account is a direct violation of federal law and is causing unwarranted damage to my creditworthiness.

Demand for Immediate Action : I request that XXXXGM Financial immediately investigate and provide written proof verifying the accuracy of the information you are reporting. If you can not provide full documentation supporting the accuracy of this accountincluding original account records, payment history, and the legally valid contractI demand the immediate deletion of this account from my credit file. Failure to comply with this request within 30 days will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I am prepared to pursue legal action under the FCRA for damages caused by this erroneous reporting. This is a formal dispute under the FCRA, and I expect a response in writing within 30 days. Please send all correspondence to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KY

Complaint narrative:
XX/XX/year>, I reached out to Jefferson Capitol to see if I could be given the information about my old debit and asked to talk to someone about it. I was transferred to someone who said they would send me information about my debit, who to speak with, a reference number and how to pay it. I have not been contacted by email or text.

Company response to consumer: Closed with explanation