vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
Dispute of Collection Account Request for Validation Account Number : XXXX XXXXXXXX XXXX XXXX I am writing to formally dispute the validity of the above-referenced account under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The credit bureau is refusing to provide validation of this debt from the creditor.

According to the FDCPA, I have the right to request a complete and proper validation of any alleged debt you claim I owe. Accordingly, I request that you provide the following : 1. Validation of the debt including a copy of the original signed contract or other evidence bearing my signature showing I have a legal obligation to pay.

2. The name and address of the original creditor, as well as a detailed breakdown of the alleged amount owed, including any interest, fees, or other charges.

3. Proof of your legal right to collect this debt in my state.

4. A full itemized accounting of the alleged debt.

5. Verification that you are licensed to collect debts in my state, along with your license number.

Additionally, reporting information to any credit bureau without verifying the validity of the debt may constitute a violation of the FCRA. If this debt can not be properly validated, you must immediately : Cease collection activities ; and Request deletion of this account from all consumer reporting agencies to whom you reported it, including but not limited to Equifax, Experian, and TransUnion.

Be advised that any attempt to collect on an unverified debt, or to report inaccurate information to a credit reporting agency, is a violation of federal law, and I reserve the right to take further action to protect my interests.

Please note that during the verification process, you are required to cease all collection activities per FDCPA 1692g ( b ) until proper validation is provided. Also, if you fail to respond to this request within 30 days, I will consider the matter closed and will expect the removal of the collection account from my credit report accordingly.

I expect your written response within 30 days of receipt of this letter. All future communications regarding this matter should be in writing only. 

Thank you for your prompt attention. 

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 non-monetary relief
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
Dispute of Collection Account Request for Validation Account Number : XXXX XXXXXXXX XXXX XXXX I am writing to formally dispute the validity of the above-referenced account under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The credit bureau is refusing to provide validation of this debt from the creditor.

According to the FDCPA, I have the right to request a complete and proper validation of any alleged debt you claim I owe. Accordingly, I request that you provide the following : 1. Validation of the debt including a copy of the original signed contract or other evidence bearing my signature showing I have a legal obligation to pay.

2. The name and address of the original creditor, as well as a detailed breakdown of the alleged amount owed, including any interest, fees, or other charges.

3. Proof of your legal right to collect this debt in my state.

4. A full itemized accounting of the alleged debt.

5. Verification that you are licensed to collect debts in my state, along with your license number.

Additionally, reporting information to any credit bureau without verifying the validity of the debt may constitute a violation of the FCRA. If this debt can not be properly validated, you must immediately : Cease collection activities ; and Request deletion of this account from all consumer reporting agencies to whom you reported it, including but not limited to Equifax, Experian, and TransUnion.

Be advised that any attempt to collect on an unverified debt, or to report inaccurate information to a credit reporting agency, is a violation of federal law, and I reserve the right to take further action to protect my interests.

Please note that during the verification process, you are required to cease all collection activities per FDCPA 1692g ( b ) until proper validation is provided. Also, if you fail to respond to this request within 30 days, I will consider the matter closed and will expect the removal of the collection account from my credit report accordingly.

I expect your written response within 30 days of receipt of this letter. All future communications regarding this matter should be in writing only. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
After multiple attempts to wire or transfer money into other accounts and being denied and kicked out of my account, customer service closed my accounts and restricted my funds. I went into a branch to close the accounts out and get my funds and they refused and offered to mail a check. I am standing in the branch and no one would help. I am out of state and can not accept a check via mail at my home and they are saying it could take XXXX days to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Take to young manger had set payment arrangement. But my check didn't come so didn't make payment they call three times a day. They don't have to call that many times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I am requesting that Honda Financial provide a financial credit to my account for interest lost due to their administrative processing errors in the amount of {$39.00}. 

On XX/XX/year>2025 I used my online account in an attempt to pre-pay {$9500.00} of principal. I was shocked to see TWO {$9500.00} withdrawals from my checking account the next day. I immediately called Honda and asked for the inadvertent second {$9500.00} amount be returned to my bank account. After at least four phone calls I received a {$9500.00} check in the mail on XX/XX/XXXX. 

Conversations with phone representatives revealed a pattern of prior phone logs of my calls to either be incompetent or intentionally incorrect to avoid processing the return of funds. While I was required to perform unplanned IRA withdrawals to avoid NSF charges during the return processing period, I calculate that I lost approximately {$40.00} in lost interest awaiting the return of funds. 

A few bewildering details : My Honda Finance account shows two {$9500.00} payments received on XX/XX/XXXX. 
Inexplicably, my account transaction history shows a Principal Payment Reversal of {$9500.00} on XX/XX/XXXX. The date of this reversal must have been back-dated and thus prevented the system from accruing any interest credit The invoice date of the {$9500.00} refund check was XX/XX/XXXX. 
My XXXX overnight delivery receipt shows a date of XX/XX/XXXX Besides a credit to my account, I request of review of Hondas administrative process regarding the return of funds due to customer requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I currently have loans with MOHELA. I have called as I am currently on the save plan but want to switch to a standard payment plan. Initially I was told it would be a XXXX minute wait. I did wait about XXXX minutes and spoke to someone who took my info and then transferred me to someone who could switch my payment plan. I have now sat on hold for hours with no updates on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
XXXXI am formally disputing the following negative items on my credit report:  Previous Address(XXXX): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.\nUnder the Fair Credit Reporting Act (FCRA), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.'

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request verification of a XXXX XXXX account that is currently appearing on my credit report as a closed account. The account in question appears to have been written off, and I am requesting detailed information under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX. Debt Validation Request Under 15 U.S. Code 1692g ( b ), I am requesting that you provide the following : Proof that I am legally obligated to pay this alleged debt, A complete payment history, including a breakdown of charges and payments, A copy of any original signed agreement or contract with XXXX XXXX, and Documentation that you have the legal right to collect this debt. XXXX. Verification of Reporting Rights As the account is marked as " closed '' or " charged off, '' I require proof that you still retain ownership of the debt or the right to collect. If XXXX has sold or transferred the debt to a third party, they no longer have the legal standing to report or collect on it, and it should be removed from my credit report under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which requires accurate and current information. Please provide : Documentation showing that XXXX XXXX retains the rights to this account, Details of any debt sale or transfer, including the name of the current debt owner, The date the account was closed and any charge-off documentation. XXXX. Cease and Desist Communication Under 15 U.S. Code 1692c ( c ), I formally request that you cease all further communication with me about this alleged debt, except to provide the required validation or to notify me of specific legal actions. XXXX. Request for Removal from Credit Report Since this account is closed and potentially written off, continued reporting of this account as a " collection '' or otherwise active debt may be misleading and in violation of the Fair Credit Reporting Act, which mandates the reporting of only accurate and verifiable information. If you are unable to provide the requested documentation within 30 days, I request that this account be removed from all consumer credit reporting agencies, including but not limited to Equifax, XXXX XXXX XXXX. XXXX. Notice of Intent Should you fail to respond to this dispute within the required timeframe or continue to report unverifiable or inaccurate information, I will consider further actions including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney Generals office, as well as potential civil litigation for violations of the FDCPA and FCRA. Please consider this a formal request under federal law. Kindly respond within 30 days in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I disputed a charge-off account reported by XXXX XXXX , opened in XX/XX/year>2017 with a balance of approximately {$7600.00}. I submitted a dispute with Experian in XXXX, XXXX, XXXX, XXXX and requested full validation under the Fair Credit Reporting Act. The bureau responded by verifying the account without providing the original signed agreement, full payment history, or charge-off documentation. I believe the investigation was not reasonable, and I am requesting that this account be permanently deleted from my credit report.

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 2025-04-29 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-04-29 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I returned my leased vehicle to Chase in XX/XX/XXXX after leasing it since XXXX with perfect on-time payment history. On the same day, I signed a new lease through Chase and provided my updated address and phone number during that process. Despite this, Chase mailed a {$1800.00} wear-and-tear damage bill to the old address associated with the prior lease and failed to update my contact details. They never sent me an email, despite having my correct contact information from the new lease. 

As a result, I had no knowledge of the charge until the delinquency appeared on my credit report more than 30 days later. When I called Chase to resolve it, I made it clear that I am willing to pay the full balance. However, they told me that even if paid, they are unable to remove the late mark from my credit report under any circumstanceseven though the lack of communication was due to their internal error. 

This has caused unfair damage to my credit despite my good faith, my perfect payment history, and my willingness to resolve the issue. I am requesting that this delinquency be removed, as I was never given a chance to respond or pay due to Chases failure to notify me properly.

Company response to consumer: Closed with explanation