vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX  charged several transactions that I did not report this problem. XXXX Chase put a credit in the account until the problem was solved and now they can't solve it because they say that those transactions came out from my phone which is not true in my XXXX application these transactions do not appear and in 2 days XXXX discounted more than XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX tried to request credit information but my credit was frozen. Even after I unfroze my credit, they could not access the required information. I tried numerous times to reach a live person to no avail. The automated system would not assist and would not transfer me to a live person. No one responded to my email for assistance either. This is NOT acceptable.

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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
This complaint is related to a prior CFPB case ( Case # XXXX ). Since closure, I received new, contradictory statements from the collector indicating ongoing handling of a debt they claimed to no longer hold. I have been disputing the debt on both CFPB and XXXX  with XXXX XXXX. On CFPB, XXXX XXXX claims they are no longer responsible for the debt, however a new message seems to suggest they are and are even attempting to have me reach out to them. Their message seems to be a tactic to resolve themselves of responsibility that they were attempting to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
Experian, Transunion, and Equifax are reporting my XXXX account as late. These late payment were out of my control due to the government shutdown. Federal employees are not getting paid. The late payment are inaccurate and in accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 requires information to be accurate when reporting on 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 non-monetary relief
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
Experian, Transunion, and Equifax are reporting my XXXX account as late. These late payment were out of my control due to the government shutdown. Federal employees are not getting paid. The late payment are inaccurate and in accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 requires information to be accurate when reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Student loan was bought by Aidvantage from XXXX. The loan deferred for years, and there was no communication that the payment was due. I found out that I was 90 days late before notified who the loan was purchased by. On XX/XX/year> is when the missed payment is showing. Because of this, my credit score was affected dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Dear PROCOLLECT LLC, This letter serves as formal notice that you have willfully and negligently violated my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and misleading information on my credit report, despite my prior dispute and notification of error.

Specifically, this account has been reported as charged off more than once, which constitutes duplicate reporting and directly violates the accuracy requirements of 15 U.S.C. 1681e ( b ). This provision mandates that credit reporting agencies and furnishers of information follow reasonable procedures to assure maximum possible accuracy of information contained in a consumers credit file.

Despite being notified of these inaccuracies, you have failed to take corrective action within the time allowed under 15 U.S.C. 1681i, which requires a prompt reinvestigation of disputed information. As a result, your continued reporting of false and damaging data is a willful violation of the FCRA. I gave you 3 times to validate this debt!

Under the law, I am entitled to statutory damages of up to {$1000.00} per violation, as well as recovery for actual damages, punitive damages, and attorneys fees pursuant to 15 U.S.C. 1681n and 1681o.

Accordingly, I hereby demand that you : 1. Immediately delete all inaccurate charge-off entries and provide written confirmation of this action ; and 2. Remit statutory damages in the amount of {$1000.00} for your FCRA violation within 15 days of receipt of this letter.

If you fail to comply within this period, I will have no choice but to initiate legal proceedings against your company for damages and all associated costs.

I urge you to treat this matter with the seriousness it deserves. I expect your full compliance and a written response confirming resolution within 15 days.

Also, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the alleged debt referenced above.

Please be advised that I dispute the validity of this debt, and I request that you do not contact me further, except to notify me that : 1. You are ceasing collection efforts, or 2. You intend to take a specific legal action, such as filing a lawsuit.

Any further attempts to contact me other than for these limited reasons will constitute a violation of the FDCPA, and I will not hesitate to report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office. 

Please confirm in writing that you have received this notice and that all communications with me will cease immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Global Lending Services LLC
State: FL

Complaint narrative:
Company : Global Lending Services LLC XXXX XXXX XXXX XXXX, SC XXXX Complaint Type : Credit reporting, credit inquiries, or incorrect information on credit report Summary of Issue : I previously filed a CFPB complaint against Global Lending Services LLC regarding an unauthorized credit inquiry dated XX/XX/year>, that appeared on my XXXX  credit report. In response, XXXX acknowledged my complaint but failed to remove the inquiry. Instead, they sent me a XXXX XXXX XXXX XXXX XXXX requiring me to fill it out and mail it back to them before taking any action. 

This requirement is unnecessary and creates an additional burden on me as the consumer. I never authorized any credit application with XXXX XXXX XXXX or XXXX XXXX of XXXX XXXX. XXXX already has sufficient identifying information from my initial complaint ( including my name, date of birth, address, and last XXXX of my SSN ). They should have directly deleted the inquiry or provided documented proof of my authorization rather than shifting the responsibility back to me. 

Why I am dissatisfied : XXXX did not resolve the unauthorized inquiry issue despite my previous CFPB complaint. 
They are requiring additional paperwork ( a mailed form ) instead of promptly removing or verifying the unauthorized inquiry. 
This process delays correction of inaccurate credit information and violates the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), which requires furnishers to maintain maximum possible accuracy of reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The company closed my acct without knowledge then they continue to report late on an acct they closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
XXXX'I am submitting my first formal dispute regarding multiple unresolved and inaccurate items \nappearing on my credit report. I have determined that several reported issues remain unresolved, \ninaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true \ncredit history and create a misleading portrayal of my financial reliability. \nPursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and related \nprovisions of the Fair Debt Collection Practices Act (FDCPA), I am demanding a comprehensive \nreinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all \nreported information is accurate, complete, and verifiable, or it must be corrected or removed \nimmediately. 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AZ

Complaint narrative:
XXXX'I am submitting my first formal dispute regarding multiple unresolved and inaccurate items \nappearing on my credit report. I have determined that several reported issues remain unresolved, \ninaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true \ncredit history and create a misleading portrayal of my financial reliability. \nPursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and related \nprovisions of the Fair Debt Collection Practices Act (FDCPA), I am demanding a comprehensive \nreinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all \nreported information is accurate, complete, and verifiable, or it must be corrected or removed \nimmediately. 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 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
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
MoneyGram has failed to issue a refund for Money Order # XXXX ( {$400.00} ) which was negotiated without endorsement of the payee. Documentation confirms that the instrument was improperly negotiated, violating UCC 3-420 ( Conversion ) and 4-401 ( Improper Payment ). MoneyGram acknowledged improper negotiation and issued a reimbursement demand to XXXX XXXX  on XX/XX/year>, but has not refunded me. This matter has been unresolved for over 8 years. 
Refund of {$400.00} to the lawful purchaser, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have repeatedly contacted Bridgecrest since XX/XX/year> via email and phone regarding my account not being updated. This incorrect information has caused me to not be able to close escrow on my future home due to incorrect debt. This is costing me a daily per diem amount. Bridgecrest has been completely non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$32000.00}

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 2025-11-07 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: LA

Complaint narrative:
I, XXXX XXXX, have been a victim of identity theft due to the Louisiana XXXX XXXX XXXX. All of my personal information was exposed, including my name, Social Security number, address, mobile phone number, and passwords. Below is a list of accounts I have no knowledge of due to identity theft. After receiving a credit alert, I noticed inquiries on a report I had no knowledge of, the result of identity theft. I have no accounts with any of the companies associated with the fraudulent inquiries. I want my credit report to reflect more accurately. 

Below are the following inquiry inaccuracies. 

XXXX OF XXXX - Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I, XXXX XXXX, have been a victim of identity theft due to the Louisiana XXXX XXXX XXXX. All of my personal information was exposed, including my name, Social Security number, address, mobile phone number, and passwords. Below is a list of accounts I have no knowledge of due to identity theft. After receiving a credit alert, I noticed inquiries on a report I had no knowledge of, the result of identity theft. I have no accounts with any of the companies associated with the fraudulent inquiries. I want my credit report to reflect more accurately. 

Below are the following inquiry inaccuracies. 

XXXX OF XXXX - Opened XX/XX/year>

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 2025-11-07 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: NC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate late payment accounts on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX Balance : {$37000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$60.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and lates XX/XX/XXXX 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 90 days XX/XX/XXXX and XX/XX/XXXX XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, and 90 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and 60 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, and 90 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and 60 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days

Company response to consumer: Closed with non-monetary relief