vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disagree with XXXX  XXXX adjustments. Now it is saying I am CHARGED OFF ON XX/XX/year>, but that is completely INACCURATE. 

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am writing to formally dispute all collection, credit reporting, and legal enforcement attempts regarding the above-referenced account. This is my final demand for full proof of assignment and ownership, as required by law. 

I have been provided with : - A copy of the alleged goodbye letter from XXXX XXXX XXXX, - The Certificate of Loan Sale from XXXX to XXXX XXXX XXXX, with loan schedules showing the transfer of the " account '' To date, Absolute Resolutions has failed to provide : Any bill of sale or assignment from XXXX XXXX XXXX to Absolute Resolutions, Any loan schedule or exhibit showing my account ( XXXX ) included in any transfer to Absolute Resolutions. 

Legal Requirements : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit bureaus must delete any tradeline that can not be fully verified by supporting documentation.

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ), prohibits you from misrepresenting the legal status or ownership of any debt. 
Case law ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and CFPB guidance require you to prove a complete, unbroken chain of title and account-level detail for any assigned or purchased account.

Continued collection, credit reporting, or litigation without this proof is a willful violation of state and federal law.

I demand : 1. Immediate cessation of all collection, credit reporting, and legal activity regarding this account.

2. Immediate deletion of all tradelines associated with this account from my credit report.

3. Written confirmation that this account is closed, or full legal documentation as detailed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/year> XXXX XXXX excessively ran my credit report and shared my personal information with various unauthorized lenders to multiple bureaus. An FTC report was filed. The lenders are as followed : XXXXXXXX XXXX Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
Not conducting proper investigation on my previous 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 explanation
Consumer complaint received 2025-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX my daughter was scammed they said they wanted to paint her. They would send her {$2000.00} they sent her 2 checks for {$300.00} she deposited them into her capital one checking account that I had opened for her. The bank sayed funds would be available on XXXX. On the XXXX {$600.00} was available in her account. She was instructed to send {$300.00} to painter via XXXX Then hours later they took the money away making her account negative {$300.00}. Now they say we owe them {$300.00}. On the XXXX they sent her more checks the bank cleared those checks on the XXXX then took it away.I feel it's the banks fault for giving her the money not ours there no other money in her account. She never even endorsed the checks everything done electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: DE

Complaint narrative:
I submitted numerous requests for informative documents and purchase agreements for this account and the company has provided no information and has ignored every letter sent. Please see attached

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 2025-04-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX DATA BREACH. PER XXXX USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-04-27 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: TX

Complaint narrative:
I continue to see a line of credit account that was sent to collections in my consumer report. The account was for a line of credit through XXXX XXXXXXXX  which was then sent to collections XXXX XXXX XXXX XXXX and transferred to XXXX XXXX XXXX. I worked with XXXX XXXX XXXX to resolve and pay off the outstanding balance in full. This was completed on XX/XX/year> and the full amount was {$1300.00} In addition, I am seeing numerous credit applications displayed in the inquiries seen by others section of my consumer report that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I continue to see a line of credit account that was sent to collections in my consumer report. The account was for a line of credit through XXXX XXXXXXXX  which was then sent to collections XXXX XXXX XXXX XXXX and transferred to XXXX XXXX XXXX. I worked with XXXX XXXX XXXX to resolve and pay off the outstanding balance in full. This was completed on XX/XX/year> and the full amount was {$1300.00} In addition, I am seeing numerous credit applications displayed in the inquiries seen by others section of my consumer report that I never applied for.

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 2025-04-28 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I am filing a complaint against Express Recovery XXXX for improperly reporting a collection account on my credit report. I originally had an account with XXXX XXXX XXXX, and we entered into a formal payment arrangement to resolve the balance. Under the CARES Act, when a payment accommodation is made between a borrower and a creditor due to financial hardship ( such as an agreement to modify payments ), the creditor is generally required to continue reporting the account as " current '' if it was current before the accommodation, or maintain the same delinquency status without worsening it.

Despite this, Express Recovery SVCS has reported the account as a collection, which negatively impacts my credit. This reporting appears to violate protections afforded under the CARES Act and inaccurately reflects the status of my account. I am requesting that the CFPB investigate this matter and ensure that the debt collector corrects the reporting or removes the collection entry from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I asked for the original contract or agreement Full itemized breakdown of the balance claimed on my credit report Account keeps coming back verified but no investigation has been done properly

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 2025-04-28 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: PA

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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 15 USC 1681 ( e ) ( b ).

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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 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 15 USC 1681s-2 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$5000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$3000.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$730.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Cease and Desist Dear ALDOUS AND ASSOCIATES, ( ACCT. # XXXX ) This notice is Pursuant to XXXX XXXX XXXX XXXX ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This account is over 10 years old from the original date of delinquency and is obsolete under FCRA 605 ( a ) ( 5 ).

Under the Fair Credit Reporting Act ( FCRA ), obsolete accounts must be removed. 
Equifax. XXXX XXXX XXXX {$15000.00} refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal Chase customer for over 15 years, with approximately {$150000.00} in annual spending across my Chase credit cards. Recently, while attempting to purchase a summer camp program in China for my child, a fraud alert triggered on my account. I immediately contacted Chase to resolve the issue.

Over the past week, I have made approximately 15 separate calls to Chase 's customer service and fraud departments. Despite following all verification
instructions and clearing fraud alerts on my Sapphire Reserve card, I remain locked out of my Chase online and mobile banking services, including my XXXX credit card account. 

During these calls, I was disconnected without resolution on three separate occasions by frontline agents and was unable to escalate my case effectively. Even after being routed to supervisors, my calls were mishandled and terminated. I was informed that new cards would be mailed, but my overall access to Chase remains frozen without clear explanation or solution.

This mishandling has prevented me from managing my accounts and making essential family-related purchases. As a long-time high-value customer, I feel
betrayed by the lack of support and the failure of Chases fraud protocols to accommodate legitimate customers. I respectfully request immediate action to clear the fraud blocks, restore my full access to Chase services, and ensure the uninterrupted delivery of my replacement cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I can not update my account with my new phone number, and Barclay keeps trying to send a code to my old number, which I no longer have access to.

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 2025-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Sent multiple certified letters to the company with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: KY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-28 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: IL

Complaint narrative:
This account was charged off in XXXX of XXXX. Since then the account has been updated repeatedly as charged off every month. This in an update in payment history. A charge-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate and reinvestigate this account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  Acct 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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Need a copy of my Capital One Card agreement from XX/XX/2003 when i open my account for Capital Card agreement in 2003 had arbitration in then. My Dispute did not have a arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-27 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: NV

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received a letter in the mail from Resurgent saying I owe a debt from XXXX  XXXX for {$720.00}. I called and spoke to a representative to dispute this as Ive never owned nor used a credit card in my life. He stated they would mail me an identity theft form that I need to have notorized and to file a police report for identity theft and then they will respond within 30 days of them receiving the notorized form. I called non emergency and an officer XXXX from XXXX police department just came by and took my information and told me to inform the federal trade commission.

Company response to consumer: Closed with explanation