vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

13. The following is an invalid late payment AMERICAN EXPRESS Account Number : XXXX Please investigate and delete from my credit report. 

14. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

15. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

16. Validate Account XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

17. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

18. The following is an invalid late payment XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management contacted an unauthorized person that is not a guarantor about a debt collection and provided confidential information without my consent regarding my debt for $ XXXX. I never gave consent to share the information with a person that isnt a guarantor on my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Against Chase Bank for Unjustified Account Closure Dear CFPB Team, I am reaching out to formally file a complaint against Chase Bank for the unjustified closure of my bank account on three separate occasions, without prior notice or a clear explanation. 

Despite complying with all bank policies and regulations, Chase has repeatedly closed my account, restricting my access to essential financial services. Each time, I have attempted to communicate with the bank to obtain a justification, but I have only received vague or generic responses without a concrete reason.

I request the CFPBs intervention to have Chase provide a clear explanation and consider reopening my account or, alternatively, establish a fair process to resolve this matter.

I appreciate your prompt attention and look forward to any additional information you may require.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
They have violated all my request to not contact me. 


The 15 U.S.C. code 1692 ( c ) ( cc ) states the followingXXXX : A consumer can cease communication with a debt collector in writing. 
A debt collector must assume a convenient time for communicating with a consumer is after XXXX XXXX XXXX  and before XXXX XXXX XXXX, local time at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
To whom it may concern, I am requesting Debt validation as required pursuant bye FCRA. in addition to debt validation, I am also requesting a copy of wet signature contract failure to produce these request our subject to litigation in pursuit of statutory damages. 

I thank you for your prompt response to my request. I said documents can not be produced. I am demanding immediate deletion from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
To whom it may concern, I am requesting Debt validation as required pursuant bye FCRA. in addition to debt validation, I am also requesting a copy of wet signature contract failure to produce these request our subject to litigation in pursuit of statutory damages. 

I thank you for your prompt response to my request. I said documents can not be produced. I am demanding immediate deletion from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have been in an ongoing battle with this company essentially since day 1. My original loan payment was XXXX a month. It now sits at XXXX 2 later. Every time I call they give me a different answer. They have people reading from a script, instead of giving you useful information. My insurance canceled me one month. They said I was {$1000.00} behind, again they raise my raise my rate, with back dues added. After 6 months, I call to get an update to see how much of the back fees I owe. After paying my taxes late from escrow and getting me fined. They now say I am {$1600.00} behind and raise my rate again. Now XX/XX/XXXX they say randomly my payment will be {$1700.00}. In this economy we thought by owning a home we would have a stable payment. Not random increases. Also, I filed as a homestead. I get 20 % break on my taxes. But they raise my payment. Please help!! Their XXXX reviews show this is an issue with most borrowers and we are not being protected. They have a rating of XXXX My next step is a lawsuit.

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 2025-03-20 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: TN

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 



XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b )

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 2025-03-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I am the owner of a small business LLC, and I have been trying to resolve an issue regarding a missing {$20000.00} ACH transfer happened on XX/XX/year> between two bank accounts held under the same LLC. The transfer occurred between Chase Bank and XXXX XXXX  which i didn't authorize this transaction, but there is conflicting information from both banks : Chase Bank claims that the money was successfully transferred. 
XXXX XXXX states that they have not received the funds. 
Despite numerous attempts to resolve the matter, the issue has remained unresolved for the past eight months. I have contacted both banks multiple times, but they have not provided a clear resolution. As a result, I am unsure where the {$20000.00} is, and both banks continue to deny responsibility. 

I am requesting the CFPB 's assistance in resolving this matter and ensuring that the banks take appropriate action to locate the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

13. The following is an invalid late payment XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

14. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

15. Validate Account DRIVEWAY FINANCE COR Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

16. Validate Account XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

17. Validate Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

18. The following is an invalid late payment XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Please confirm account verification and balance amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
Please confirm account verification and balance amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MO

Complaint narrative:
I wound like to File a complaint to dispute some inaccurate and unverifiable information from my address characteristic section/personal information. Re Ive filed a dispute experience refuses to investigate instead they keep coming back saying verified. 
I am disputing XXXX XXXX auto finance.

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 2025-03-20 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 request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-20 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 request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-20 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have requested a 1099c for my account that they have written off {$510.00} on but continue to report as past due {$510.00} as past due they have refused to send this information to me or delete this from the credit bureaus. The IRS considers a charge-off to be income doesn't belong on credit report, so this I gross or ordinary income. Income like-this on my report isn't accurate.

15 USC 1681 5-2 ( a ) ( 1 ) ( A ) : A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information IS inaccurate and ; the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TN

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information on my credit report pursuant to 15 U.S.C. XXXXi and to request that this information be immediately removed. I have previously contacted the credit reporting agencies regarding this matter, yet the disputed accounts remain on my report without proper verification. 

Under 15 U.S.C. XXXXi, credit reporting agencies are required to conduct a thorough investigation within XXXX days and remove any inaccurate, outdated, or unverified accounts. The following accounts contain errors and should be removed XXXX  -Personal loan companies- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation