vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I noticed a fraudulent credit activity on my credit report that I did not authorize or initiate. These accounts student loans does not belong to me and appears to have been opened or attempted without my knowledge or consent. I am concerned that my personal information may have been used fraudulently. Please investigate and remove this item from my credit report as soon as possible.Here attached is my ftc report with the fraudulent accounts

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Had an escrow surplus of {$7500.00}. Requested refund of the escrow. We requested to pay off arrears and company refused instead made future payments towards my mortgage without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I fell behind on my Capital One credit card payments and called to set up a payment plan. During my call, I was informed that my card was still active. However, when I checked the Capital One mobile app, it showed that my account was closed. Because I was receiving conflicting information, I was unable to move forward with establishing a payment plan. I also asked for further assistance but never received any follow-up or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX ( Account # XXXX ) that recently appeared on my XXXX XXXX credit report. The account is listed as opened on XX/XX/year>, with a balance of {$140.00}. 

I was completely unaware of this account and have never received any communicationno letters, calls, or emailsfrom XXXX XXXX XXXX prior to this collection being reported. I do not recognize the debt, the account number, or any business associated with it. 

This situation feels deceptive and possibly unlawful, especially given my rights under the Fair Credit Reporting Act ( FCRA ), which I believe may have been violated in several ways : FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate or unverified information on my credit report. Once a dispute is filed, the credit bureaus and the information furnisher must conduct a reasonable investigation within 30 days. I have not received validation or investigation results.

FCRA 623 ( a ) ( 2 ) : Furnishers must promptly update or correct inaccurate or incomplete information. If XXXX XXXX XXXX can not provide documented proof that this debt is valid and that it belongs to me, they are required to remove it.

FCRA 605B : If the information is the result of identity theft, I have the right to request a block on the account from my credit report. While I am still reviewing the possibility of identity fraud, this law applies if the account was created or reported in error.

FCRA 604 Permissible Purpose : No company may report or access my credit data without a legally permissible purpose. If XXXX XXXX XXXX did not have my consent or a legal reason to report this collection, that is a direct FCRA violation.

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 2025-08-22 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
I am filing this complaint against Harvard Collection Service, LLC for attempting to collect a debt that I do not owe.

Harvard Collection Service has been attempting to collect on an alleged debt without providing any valid proof that I am responsible for it. I do not recognize this debt, and I dispute that I owe it. 

On XX/XX/year> I mailed a Cease and Desist / Debt Validation request to Harvard Collection Service via certified mail. In that letter, I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and requested written validation of the debt. To date, I have not received proper validation. 

Despite my request, Harvard Collection Service has continued to contact me, threaten me, and reported this account to the credit bureaus which is a violation of the FDCPA. These unlawful actions have caused me distress and are damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> we got a mail for bank of america that is address to XXXX XXXX but this person didnt live on this address and we do not know anything about this person and the mail state that there is a credit card that have been cancel from this person credit file and the mail has been send to the address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I'm and the owner on this house and person. call bank of america bof are not will to help aaccount ending in XXXX claim number 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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby demanding that you immediately cease all communication with me regarding the above-referenced account. 

I am aware of your claim of an alleged debt in the amount of {$490.00}, reported as past due as of XX/XX/year>. However, I do not wish to receive any further phone calls, letters, emails, or other communications from your office regarding this matter. 

Please note : You may only contact me once more, in writing, to confirm that you will no longer be contacting me, or to notify me of specific legal remedies you intend to pursue. 
Any further attempts to contact me outside of what is permitted by law will be considered harassment and a direct violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
My information was leaked in a couple data breaches one with XXXXXXXX XXXX  and another with XXXX XXXX. I have multiple accounts on my report that I have no clue what they are or where they came from. These people even filed taxes in my name fraudulently

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 2025-08-22 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: MI

Complaint narrative:
My information was leaked in a couple data breaches one with XXXXXXXX XXXX  and another with XXXX XXXX. I have multiple accounts on my report that I have no clue what they are or where they came from. These people even filed taxes in my name fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
Your company is reporting several accounts with multiple inaccuracies in each account. The date of last activity and some of the payment history is not matching between Equifax, Transunion, and Experian for each account. This is a violation of the FCRA, and therefor each account must be deleted immediately. Delete each account listed immediately. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I ALSO HAVE AN INQUIRY THAT WAS NOT AUTHORIZED BY ME. THIS IS A VIOLATION OF THE FCRA AND MUST BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. ( XXXX -- XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
Your company is reporting several accounts with multiple inaccuracies in each account. The date of last activity and some of the payment history is not matching between Equifax, Transunion, and Experian for each account. This is a violation of the FCRA, and therefor each account must be deleted immediately. Delete each account listed immediately. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I ALSO HAVE AN INQUIRY THAT WAS NOT AUTHORIZED BY ME. THIS IS A VIOLATION OF THE FCRA AND MUST BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. ( XXXX -- XX/XX/year> )

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 1002 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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern at Chase, I am writing to formally express my concern regarding Chases handling of a dispute involving a transaction processed through XXXX. It appears that Chase representatives may not be aware that their communications have been recorded, including statements made during the dispute process. 

I informed Chase that the product I received did not match the information provided by the merchant. Specifically, I never purchased any shoes, clothing, or related items. Yet, Chase refused to reopen the case, stating that I must provide proof that I did not purchase the items in question. This requirement is both unreasonable and inconsistent with standard consumer protection practices. 

The merchants documentationsubmitted to XXXX and forwarded to Chasemisrepresents the nature of the transaction. I believe this constitutes fraud. Chases refusal to investigate further, despite clear discrepancies, suggests a troubling pattern of siding with merchants at the expense of consumers. This undermines the integrity of the dispute resolution process and raises serious questions about Chases commitment to fair and lawful treatment of its customers. 

Additionally, Chase representatives have informed me that because this was a Buy Now, Pay Later transaction and I used my debit card, I have no right to rebut the merchants claims. According to their statements, I must accept whatever the merchant provideseven if its false. On XX/XX/year>, a Chase representative explicitly told me that this is not a matter for regulators, but rather a matter of internal policy. When I cited applicable laws and consumer protection rules, the representative responded that Chase makes the rulesimplying that federal and state regulations are irrelevant to their decisions. This statement reflects a blatant disregard for legal standards and consumer rights. 

As a consumer, I find it deeply concerning that Chase representatives behave as though they are exempt from the realities of commerceas if deception and theft are acceptable so long as they are not personally affected. I am preparing to submit documentation that clearly demonstrates I did not purchase the items described by the merchant. If Chase requires this evidence to reopen the case, I will complybut I expect the matter to be handled with the seriousness it deserves.

This situation reflects a broader issue : consumers should not be forced to bear the burden of proving a negative in order to challenge fraudulent claims. I urge Chase to reconsider its position and to act in accordance with federal consumer protection laws and its own stated policies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear XXXX, This letter is a formal dispute and cease and desist notice regarding account number XXXX in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ), I dispute the accuracy and/or completeness of this account as reported. You are required to investigate and verify all information you furnish to credit reporting agencies and delete or correct any inaccurate, incomplete, or unverifiable information under 1681e ( b ).

Further, if this account is being collected or reported in a manner that could be considered an attempt to collect, I invoke my right under 15 U.S.C. 1692c ( c ) to cease all communication with me except for legal notices required by law.

I demand the following : Immediate cessation of direct communication regarding this account.

Complete verification and itemization of the alleged debt.

Method of verification and furnisher details if reporting continues.

Deletion or correction of any inaccurate data with the credit bureaus.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may lead to legal action. 

Sincerely XXXX XXXX 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 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I requested a debt validation letter from Wakefield and associates, as I do not recognize the debt. The agency mailed me a debt validation letter with little to no information. It failed to include the original creditor information, proof of ownership and an itemized bill ( as I requested ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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