vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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 Re : Demand for Immediate Deletion of Erroneous Charge-Off Account # xxxx To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$780.00} which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm. 

Accordingly, I demand that you : 1. Immediately delete the above-referenced account from any and all credit reporting agencies ( Equifax, Experian, TransUnion ) .

2. Provide written confirmation that this item has been permanently deleted.

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief. 

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are now on formal notice. Govern yourself accordingly. 

Sincerely, 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
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 Re : Demand for Immediate Deletion of Erroneous Charge-Off Account # xxxx To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$780.00} which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm. 

Accordingly, I demand that you : 1. Immediately delete the above-referenced account from any and all credit reporting agencies ( Equifax, Experian, TransUnion ) .

2. Provide written confirmation that this item has been permanently deleted.

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief. 

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are now on formal notice. Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my student loan account by Mohela and the subsequent impact on my credit report. 

Over the past several months, my account has been placed in and out of multiple forbearance periods. Initially, these forbearances were attributed to natural disasters. This was followed by a retroactive forbearance, and most recently, an administrative forbearance dated XX/XX/year>2025. 

This erratic and, I believe, negligent pattern of loan servicing has had a significant and damaging impact on my credit. As a direct result, my credit score has dropped by nearly XXXX points. 

Additionally, when I log into my Mohela account, it currently indicates that no payment is due until XX/XX/year>2025. Despite this, my account appears to have been reported in a manner that negatively affected my credit standing. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that any inaccurate or unfair reporting is corrected. I would appreciate any guidance you can provide on the next steps to address this situation and protect my credit. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Credit card with Capital one payment was paid in full, they then turned the card of and said for late payment, it wasnt late again it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer of {$5900.00} USD from my personal checking account at Chase Bank ( ending in XXXX ) to a XXXX XXXX XXXXXXXX account under the name XXXX XXXX. The transaction was marked completed on Chase 's system, and the funds were fully withdrawn from my account. 
However, within a few days, XXXX XXXX  XXXX placed a hold on the recipients account and later deducted the {$5900.00}, stating that JPMorgan Chase had reported the transfer as unauthorized. Neither the sender ( myself ) nor the recipient ( XXXX ) filed any dispute, and we were never notified or informed about any investigation. To this day, I have not received a refund and the funds remain missing. 
I have called Chase Bank multiple times, and so has XXXX with XXXX XXXX XXXXXXXX. No one provided a clear explanation. Instead, Chase closed my account entirely, leaving me without any access to information or resolution. They never gave me any formal notice, nor did they offer any way to recover the funds. I repeatedly asked if a claim had been filed and requested it to be removed if possible. No documentation, no refund, and no responsibility was taken by the bank. 
It has now been almost XXXX months since the transaction, and I am still without my money. The financial damage caused by this situation has been extreme. XXXX 's account was debited for a transaction she did not dispute. I lost {$5900.00} that was never returned. We are XXXX individuals who simply completed a personal transfer and were caught in the middle of a bank error or internal fraud. 
I urgently request a full investigation and that Chase Bank issue a check for the {$5900.00} USD, since they closed my account and no longer have a method to return my funds electronically. 
This situation is unacceptable. It shows a complete lack of transparency, accountability, and respect for customers. I am seeking justice and a full recovery of the money I rightfully transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Since XX/XX/year>, I have been engaged in an ongoing dispute with MOHELA, my student loan servicer, regarding unauthorized access by certain individuals to my student loan data maintained by the U.S. Department of Education. Under federal lawspecifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681s-2 ( b ) of the Fair Credit Reporting Actfurnishers of information and consumer reporting agencies are required to ensure the accuracy and integrity of reported data. In cases where disputed information is found to be inaccurate or unverifiable, they are obligated to correct or delete the data. Accordingly, this breach should result in the deletion or discharge of the affected loan data by default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2025-05-06 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX, I walked into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I finally got to hand XXXX, the employee at the counter, my slip. XXXX took my license and slip, went to the back, and when she came back to the counter, she said she couldn't find my package. Bothered by this lie, we had a mini quarrel, and I left without a package. On XXXX  I arrived to the XXXX XXXX around XXXX XXXX XXXX. When it was finally my turn, I handed XXXX  my DL and package slip. She came back with a XXXX bag that contained a dress that I did not pay for. Then she said I had to pay {$8.00} to receive the item in a XXXX bag because the item was " forwarded '' from a XXXX XXXX address. Since she lied to me as well, I'm requesting an {$8.00} refund. I paid the {$8.00}, then I found out the dress was not the style I selected. XXXX mailed my dress directly to XXXX XXXX  The item never stopped at XXXXXXXX XXXX. Also, the item arrived in an XXXX box. Somebody behind the counter opened the box and switched the merchandise. In conclusion, I returned the dress at no expense. XXXX is mailing me another one at their expense. And I want my {$8.00} back for the delivery lie. Please have XXXX refund my debit card {$8.00}. Thank You, 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 monetary relief
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely XXXXl and XXXX XXXX  I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I had a credit card with Bank of America, which I had never had a late payment on, but due to an ongoing life event was going to have trouble making the monthly payments, especially at the existing APR, which was close to XXXX XXXX The agent whom I spoke to on the phone said he could close the card, and my rate would drop to around XXXX XXXX. I asked if there was anything else I needed to know, would it affect my credit score negatively, etc., and other than telling me it wouldn't, gave me no other information. 

I did have cash rewards accrued - an amount that is not very significant, but it's the principal. Whenever I would try to redeem the cash rewards, always for statement credit, I would get kicked to the login screen. Finally, I reached out to have someone assist, and an agent said the rewards could not be used since the account was closed. This is money that I accumulated, and they now refuse to honor. The worst part is I still just want to use it as a statement credit. I asked why I wasn't told by the original agent who offered to close the account, and the person was unable to do so.

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 2025-05-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
Someone Stole My Identity, My Social Security Number & Used My Name To Open Up An Account That I Did Not Authorize, I Did Not Authorize This Loan From " XXXX XXXX  '' For {$1900.00}. This Account Is Not Mine, Please Delete This From My Credit Report ASAP. 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 non-monetary relief