vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
Im requesting a correction to the reported balance on my XXXX XXXX credit card. 

The current balance shown on my Equifax report is incorrect. Under 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681e ( b ), you are required to report accurate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-05-12 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: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
To Whom It May ConcernXXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX  inaction violates federal law and my rights as a consumer. 

I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 

Below is a list of the items I am disputing : ACCOUNTS XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. INQUIRIES XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes.

I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes.

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance.

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX I walked inside of Chase bank and made a withdrawal for XXXX the atm machine on the screen said unable to dispense cash at this time.However the machine still took XXXX out of my account without me receiving anything.the following day I filed a complaint with the investigation team they said they would look into it takes XXXX to XXXX business for them to review it, and they transferred the XXXX back into my account XXXX XXXX and then they reversed it XXXX XXXX and took it bank out.Ive spoken to XXXX branch managers a XXXX supervisors over the phone to review the video footage and they said they cant do it unless its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting this complaint because Portfolio Recovery Associates has repeatedly called me after I sent a written cease and desist letter on XX/XX/year>. 

Despite my clear instruction to stop calling, they have called me on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I sent them a second letter on XX/XX/year>, warning them that continued phone contact would be a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). They ignored it and continued calling.

I have documented each call with screenshots and phone logs, and I am being harassed despite asserting my rights under federal law.

I am requesting that Portfolio Recovery immediately stop all phone calls, acknowledge my cease and desist notice, and comply with the FDCPA. I am also considering pursuing civil damages for these repeated violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
all the listed creditors nor these requests are related to me. I ask that they be taken off of my credit record right away.

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 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
I contacted company at least XXXX  times in XXXX day on XX/XX/year> after they contacted me in regards to my license being suspended if I dont pay debt. I asked for supporting documentation, I also informed I will be disputing this information and representatives hung up in my face a couple times and XXXX representative in particular XXXX XXXX stated I could not dispute this and that it would not hold up against the information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
XX/XX/year> an online purchase was made to XXXX, a site that was selling XXXX cards. I purchase a boxed set called XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It was {$59.00} and I used a discount code and got it for {$47.00} with free shipping. I received a email confirmation on the same day but from a different site, called XXXX. On XX/XX/XXXX, package arrived from another location in Illinois. Tracking # XXXX. In the package was not the box of cards, but instead two plastic toys that I did not order. I attempted to reach XXXX and the site was no longer available. I tried going to XXXX  to see if they had a customer service dept and it was now a women 's clothing site. I filed a complaint with my bank on XX/XX/XXXX, TD Bank. Claim # XXXX. I then received a letter requesting that we fax over copies of the emails, order, pictures of what we ordered and what we received. I went to our local library on XX/XX/XXXX and paid {$12.00} to fax 6 pages of proof to them. At fax # XXXX. We waited a few weeks and received a rejection of our claim in the mail on XX/XX/XXXX. Said they found nothing wrong and we did not provide proof. I then messaged TD Bank via the banking portal and got a reply that merely was a recanting of the letter I already received. Zero help. So, I went to their FB page and reached out via messenger and they responded and escalated this to a claims specialist. Who, in turn, replied a few days later and said that she did not see anything wrong with this order. I tried and tried and finally gave up. I did do some research and found that denying fraud charges or scam purchase, is a common practice with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
These 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. 
Under 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 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
1. The dealership failed to notify me that in New York state it is mandatory for the car owner to have the insurance under their name as well. If the name on the insurance is not the same as the name as the owner of the vehicle then the insurance will be terminated. They allowed me to drive off the car lot with the insurance under a different name knowing full well that if the insurance was under my name I would not be able to afford it because the price was too high. A month after purchasing the vehicle the insurance was terminated since it was under someone else 's name and not my own. I was unable to re-insure the car because I couldnt afford too which then affected me severely when the car was totaled in a no fault accident. 

2. On the day of purchasing the car I intended to put {$5000.00} towards a down payment. The dealership instead took the {$5000.00} and gave us XXXX security plus which I was not told about during the signing of the contract. Had we been notified about it we I would of denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00}

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 explanation
Consumer complaint received 2025-05-12 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is XXXX % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unfamiliar with these questions, and they seem to be unapproved. Kindly take prompt action to resolve this issue. The materials that are included provide more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Despite sending a written dispute and request for validation to the collection agency, and receiving confirmation from Experian that my dispute meets the requirement of the Fair Credit Reporting Act, the item remains on my credit report. I have not received any contract, itemized statement, or proof that I authorized or owe this debt. I request full deletion of the tradeline and an investigation into Cedars Business Services for continued reporting of an unverified and disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account is not mine and should not be reporting on my credit report. If it is my account, please send my records relating to this account including all signatures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, TransUnion, Equifax immediately! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX, {$880.00} XXXX XX/XX/XXXX, {$1600.00} XXXX XX/XX/XXXX {$650.00} XXXX XXXXXXXX XX/XX/XXXX {$58.00} XXXX XXXX XXXX  XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00}

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 explanation
Consumer complaint received 2025-05-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
received letter from jpmorgan chase XXXX XXXX XXXX stating " we didn't open the account you requested '' ... we weren't able to verify your identity. 

I contacted them and they could not give my information on how an application was made. i verified on XXXX that a soft inquiry was made XX/XX/year> and chase could not give me any information on that either. 

I have not applied for anything from chase or any other companies this year which means a fraudulent identity theft attempt was made. Also, in their system they did see my information listed, but the phone number did not match my phone number. the one in their system was XXXX there was no way for chase to document this internally or flag in their system as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 explanation
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation