vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
Company : XXXX XXXXXXXX XXXX XXXXXXXX : Credit Card Issue : Charged-off account with no verification of insurance or tax recovery I am filing this complaint regarding a charge-off on my credit report for a XXXX XXXX credit card account XXXX The reported amount is {$51000.00}. I have disputed this account with the credit bureaus and requested documentation proving the creditor has not received compensation through insurance or IRS tax benefits. 

According to Generally Accepted Accounting Principles and the Fair Credit Reporting Act, a creditor can not claim a loss via insurance or tax deduction and continue to report the full charge-off amount or pursue collection. XXXX has not provided any verification, including insurance recovery documentation or IRS Form 1099-C. 

This may be an attempt at double recovery and a violation of my consumer rights under federal law. I am requesting that the CFPB investigate and require XXXX to provide full disclosure or remove this charge-off entirely from all consumer reports.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
According to law 15 U.S.C 1692 you have violated my rights by unlawful communication please remove this collection off my credit report thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX created and reported a fraudulent debt using my personal information and Social Security number, violating the FCRA ( 15 U.S.C. 1681s-2 ( a ), 1681e ( b ) ) and FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 8 ) ). The alleged debt was previously charged off by the original creditor and is no longer legally enforceable under Internal Revenue Code 166, Treasury Regulation 1.166-2, 165 ( g ), and 108, and banking regulations ( OCCs Comptrollers Handbook ). Their actions also violate Georgias Fair Business Practices Act ( O.C.G.A. 10-1-390 ) and Credit Reporting Law ( O.C.G.A. 10-1-393.3 ). I request immediate removal of the false account, cessation of all collection activities, and a letter confirming no future collection attempts related to this or any invalid debts tied to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
Capital One account, as shown on my XXXX  credit report. 
The account currently reflects a " CO '' ( Charge-Off ) status every month from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, which does not align with XXXX XXXX credit reporting guidelines or the Fair Credit Reporting Act ( FCRA ). A charge-off is a one-time event and should not be reported monthly as if it reoccurs. This repeated notation is misleading and has a materially negative impact on my credit profile. Additionally, my credit report lists the charge-off as occurring in XX/XX/XXXXXXXX yet the " CO '' status is applied in months well before and long after that date. This creates confusion about the timing and nature of the charge-off, violating the FCRA 's requirement for credit information to be accurate and not misleading. 
I am requesting the following : 1. That Capital One update the credit reporting on this account to reflect a single " CO '' notation for the appropriate 2. That all other months inaccurately labeled as " CO '' be corrected or removed from the payment history. 
3. That I receive written confirmation of the results of your investigation and any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: OH

Complaint narrative:
Card was declined at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Could not access funds. Teller and asst mgr stated " we've been having this issue for about two and one-half weeks. We don't know why it is happening. We have reported it to leadership, but have heard nothing from corporate on what/how to resolve the issue. '' XXXX corporate XXXX claimed " XXXX does not record card declinations and has no way to determine why XXXX cards have been declined recently. '' No XXXX rep would transfer me to a person/department to troubleshoot the issue! Essentially, shrugged and offered no assistance in determining what the issue is/how to resolve it. Each XXXX XXXX Comerica rep directing me to call XXXX  even though i had stated multiple times, i had attempted multiple times and can not reach a human. XXXX has taken no action/took no action to determine why XXXX cards are being declined at their branches and assist in accessing funds. Over twenty-five calls to XXXX or Comerica. Only Comerica offered a human on the phone. Each said this is not their concern and to call XXXX. One Comerica employee transferred me to the wrong department at XXXX XXXX who said she " only serviced customers whose cards start with XXXX, could not help me, nor could she transfer me to someone who could ''. ALL calls to XXXX offer menu interactions ONLY and disconnects saying to " call back at a time when call volume is not high ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm XXXX XXXX. 1966 is year born, I never used any XXXX aliases thus is XXXX sticking me with someone else 's XXXX. XXXX XXXX I'm not XXXX I'm American. This needs XXXX be fixed

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 2025-05-03 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: AL

Complaint narrative:
I am writing XXXX formally request the removal of fraudulent items from my credit file. I am a victim of identity theft XXXX  did not authorize the accounts or inquiries listed in the attached document. I have reported the theft XXXX the Federal Trade Commission XXXX have included a copy of the report. 
Please block XXXX delete these items from my credit report immediately, in accordance with XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-03 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
On XX/XX/2025 I was threatened to be used of old debt ( XXXX plus years ago ). I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Company : JPMorgan Chase Bank Product : Credit Card Issue : Charged-off account with no verification of insurance or tax recovery This complaint concerns another charge-off by JPMorgan Chase for the amount of {$42000.00}. I have requested that Chase and the credit bureaus provide documentation verifying that this debt has not already been settled via credit insurance or tax write-offs. 

Chase has not responded with documentation showing whether they received any insurance payout or claimed a tax deduction for the loss. Without this transparency, the continued reporting of this account is misleading and potentially fraudulent. 

I ask the CFPB to compel Chase to verify whether they were compensated and to remove the charge-off from my credit profile if they can not provide that verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 
XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). And according to XXXX USC XXXX 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
This letter is sent in response to [ a letter I received on XXXX. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiry dated is past two years old and needs to be removed from my Experian credit report. 

Source : Experian Date Submitted : XX/XX/year> Company : 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 2025-05-03 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: AZ

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-03 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 writing to formally request the deletion of three charge-off accounts currently reported on my credit file with your bureau. These same accounts were disputed with XXXX, a national consumer reporting agency, and after a completed investigation, all three accounts were deleted from my XXXX  credit report as of XX/XX/XXXX 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain only accurate and verifiable information. Since XXXX, after conducting a reinvestigation, determined these accounts to be unverifiable and removed them, it calls into question the legitimacy and accuracy of the accounts still appearing on your report. 

Under FCRA Section XXXX ( XXXX U.S. CXXXX XXXX ), you are required to reinvestigate any disputed information and delete or correct any information found to be inaccurate or unverifiable within 30 days of receiving notice of the dispute. I am hereby formally requesting that you conduct a reinvestigation of these accounts and provide verification. If the accounts can not be verified with proper documentation from the original creditor, they must be permanently removed from my credit file. 

If you fail to delete these unverifiable accounts within the required 30-day time frame, you will be in violation of the FCRA. I am aware of my rights under FCRA Section XXXX and XXXX ( XXXX U.S. CXXXX  XXXX & XXXX ), which provide consumers with the right to seek damages through legal action against any credit reporting agency that willfully or negligently fails to comply with FCRA requirements. This includes statutory damages, punitive damages, court costs, and attorney fees. 

Please confirm in writing the results of your reinvestigation and send me an updated copy of my credit report upon completion. 

Thank you for your prompt attention to this matter. I trust you will comply with the law and remove the unverifiable information accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
I discovered that {$5300.00} had been withdrawn from my Chime account through unauthorized transactions. I immediately reported the fraud to Chime and submitted all required documentation, including a police report, identity theft affidavit, and communications with the parties involved. 

Chime failed to provide a provisional credit or a thorough investigation and denied my claim without any explanation supported by facts. Their handling of the claim was negligent and in violation of federal regulations governing consumer protection and electronic fund transfers. 

This failure caused significant financial XXXX, disruption of my business operations, and emotional XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
I am filing this formal complaint against Experian Information Services, LLC regarding their continued reporting of inaccurate and contradictory information related to the following account : Creditor Name : XXXX Partial Account # : XXXX Date Opened : XX/XX/XXXX Despite having disputed this account with Experian, the credit bureau has failed to conduct a reasonable investigation and continues to report inaccurate, inconsistent, and misleading information in violation of multiple federal laws and credit industry standards. 
Details of the Violations : XXXX. Conflicting Delinquency Reporting : o Experian has provided inconsistent data across its reports : XXXX version reflects 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 This contradicts FCRA 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Inaccurate High Balance Reporting : o The account reflects a highest balance of {$1800.00}, while the credit limit is only {$1500.00}. 
o This creates an inflated utilization ratio and contradicts XXXX XXXX Field XXXX standards. 
XXXX. Past Due Amount Misrepresentation : o A payment was reported on XX/XX/XXXX, but Experian still shows {$250.00} as past due as of XX/XX/XXXX. 
o This indicates misapplication of payments or failure to update accurately, violating FCRA 623 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). 
XXXX. Failure to Conduct Manual Reinvestigation : o Experian relied on its automated e-OSCAR system rather than conducting a reasonable investigation, as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and FCRA 1681i ( a ) ( 1 ) ( A ).

5. Lack of Multi-Bureau Uniformity : o The account is reported to Experian and XXXX  but is missing from XXXX 
o This selective furnishing of data violates FCRA 607 and leads to an incomplete and misleading consumer profile.

Laws Violated : Fair Credit Reporting Act ( FCRA ) : o 1681e ( b ) Maximum possible accuracy o 1681i Reinvestigation of disputed information o 1681s-2 ( b ) Furnisher responsibilities o 1681i ( 5 ) Removal of unverifiable items Truth in Lending Act ( TILA ) : 1601 Transparency and accuracy Metro 2 Compliance Standards Payment History ( K24 ), High Credit ( K05 ) Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 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