vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. It is of utmost importance to underscore that these accounts do not belong to me and are fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-25 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: FL

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. It is of utmost importance to underscore that these accounts do not belong to me and are fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
YOUR COMPLAINT My mom Zelled me {$500.00} through Chase Bank. I bank with Chase and so does my mom. For some reason, XXXX wouldn't allow the XXXX to my account and prompted my mom to go to a Chase branch to verify her identity. She went went into a Chase branch with her ID and debit card and Chase was able to verify her identity. The representative at the Chase bank called XXXX and got her block taken off so that she could zelle me the XXXX. When I tried to sign into my account I got a messagethat my XXXX was blocked and that Id need to go into a branch to verify my identification as well. I went into a Chase bank in Utah ( where I attend college ). The branch in Utah confirmed my identity with my XXXX forms of identification and suggested that I open a new account so I ended up opening up a new account at this branch and closed out my old account but the {$500.00} that my mom XXXX me was in my old account. I was was told the {$500.00} dollars would be mailed to me in the form of a check. Today is XX/XX/year> and I have NOT received the {$500.00} check. My mom and I have called Chase 4 times now to inquire about the check. We called again last week and were told that the check was mailed to my address on XX/XX/year>. We told the rep on the phone to please report the check lost or stolen since I have not received it and reissue a new one. Now we were told to call Chases department that can reissue the check at XXXX and press option XXXX. We called that number today only to be told that we have to call that number but option XXXX. We keep getting pushed around from department to department through Chases customer service number. Chase owes my me the XXXX my mom XXXX me and it's been extremely frustrating trying to speak to the correct Chase department that mails these checks out to their customers. I ( or my mom ) plan to sue for me to receive the XXXX she Zelled me through Chase. The other issue we keep running into is our phone calls to Chase always getting routed to the XXXX or XXXX. From there we keep getting told different things. XXXX seems to be the corporate of where this issue stemmed from because XXXX ( the money transfer agency Chase uses ) is the one who originally blocked my account and my son 's account because of suspicious activity. How is it suspicious that I Zelled my son money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
The Department of Education had removed the IDR application in all formats from their website and put an error message saying that it's on hold because of an injection. I believe this is a violation of Section 493C of the Higher Education act which requires accessibiiltiy for borrowers to access IDR plans and applications for them and transparent and accurate information. The entire website still has information pushing for and promoting the SAVE and IDR payment plans which is contradictory as this is currently impossible to utilize. The Department of education also refused to enacle administrative forebarence on my account and said I could only enact regular forbearance during this time which would still result in me acquiring additional interest.

I requested a paper IDR application through student aid.gov customer service as well as my loan servicer nelnet and they all said that they have been instructed to not provide or process any applications for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-03-25 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates for multiple Fair Credit Reporting Act ( FCRA ) violations that have caused me financial and emotional distress. Despite my repeated requests, they failed to provide proper validation of the alleged debtincluding a proof of assignment, purchase and sale agreement, or any lawful authority to collect. This is a direct violation of 15 U.S.C. 1692g ( b ) ( Debt Validation ) and 15 U.S.C. 1681s-2 ( Duties of Furnishers to Provide Accurate Information ).

For years, this agency knowingly reported an unverifiable and potentially fraudulent account to the credit bureaus, negatively impacting my credit score, ability to obtain loans, and overall financial well-being. Their reckless and willful disregard for their legal duty forced me to fight an unjust battle, causing unnecessary hardship. After my persistence, they have finally removed their illegitimate accountan admission that they never had the right to report it in the first place.

I demand full compensation under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ), which entitles me to : Statutory damages of up to {$1000.00} per violation Actual damages for financial and emotional distress Punitive damages due to willful misconduct Reimbursement of all legal fees and costs Their failure to follow federal law has caused me harm, and I expect full financial redress for their violations. I request an immediate investigation and enforcement action to ensure compliance with FCRA and to prevent this agency from continuing these deceptive and unlawful practices against other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account # XXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records.

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report.

Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim.

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Theres an ongoing dispute through Bank of America, under my Checking Account, that is clearly fraudulent and was originally made by me, because the charges were not recognized. They originally granted me the money, just to wait until the eve of the 90 days to look into it further. After ultimately deciding against the dispute, they took my Social Security funds as soon as they came & I desperately need the entirety of the funds to pay my bills/ rent at this point in time. If they wanted the money returned temporarily, I have XXXX other direct deposits pending transfers of funds monthly, that could have been taken until this was settled. Another issue is that the money shouldnt have been taken either way, until we got a chance to appeal it on our side or reopen it for another, more thorough review! The amount of money completely ruined me this month and there is NO way I can recover without the money being recovered. Please take time to go over this issue and feel free to get back to me! I was under the impression that Social Security funds are federally protected but I could have this out of context. The Bank seems to continue saying its technically their money to take but I am having a hard time believing there is NO recourse, especially after being with them for XXXX  years and this is the first and only dispute of any considerable sum ( XXXX $ ) Thank you for your time & consideration. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
I am reaching out to express my frustration over the inaccuracies on my report that are negatively impacting my scores. These errors have created unnecessary financial barriers and have limited my ability to access opportunities that I rightfully deserve. It is unacceptable to be penalized for mistakes that are beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX This is a Privacy Violation FCRA. XXXX remove XXXX LATE payments under 15 USC 1666b Improper use of credit report. Creditor may not treat a payment on credit account under end consumer credit plan as late for purpose of reporting. By the provisions of the Fair Credit Reporting Act, this is unauthorized negative information and I demand negative items be removed from my report. Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-25 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: MO

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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian Creditor : XXXX Issue : amounts are inaccurate and account has been marked delinquent for no apparent reason. 
Creditor : XXXX XXXX Issue : Account was marked as delinquent when it in fact was not delinquent. 
I am filing this complaint regarding multiple inaccuracies on Experian. Despite my efforts to resolve this with both of these agencies, it remains unresolved. I request immediate investigation and correction of any issues. 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 2025-03-25 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: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX. or a XXXX  as it is on my Birth Certificate, XXXX  Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen 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 explanation
Consumer complaint received 2025-03-25 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: NY

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
I am writing to dispute the inaccurate and derogatory information reported by Equifax on my credit file related to my account with XXXX XXXX. 

The entry you reported indicates a payment status of Pays account as agreed with a worst delinquency of XXXX days past due. However, I have always met my payment obligations as agreed and have never been 30 days past due. According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), any disputed and unverifiable information must be removed within four business days.

These inaccuracies are preventing me from securing a mortgage, causing undue stress and significant financial harm. I demand that you conduct an immediate investigation into this matter, remove all incorrect information, and provide me with a revised credit report reflecting the accurate status. 

Enclosed are supporting documents, including my payment records, to assist you in resolving this issue promptly. 

Thank you for your immediate attention to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
Dear CFPB, Transunion has failed to remove a settled account from my credit report despite the account having been settled in Court. Transunion is reporting inaccurate information on my credit report. This inaction has caused financial harm, including higher interest rates. Their refusal to correct this violates the Fair Credit Reporting Act ( FCRA ). I request to remove this account as immediate enforcement of my rights. 

Account : XXXX XXXX / XXXX / Date opened XX/XX/year> I am attaching a judge order stipulating the account as settled. 

Sincerely, XXXX 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