vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-28 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: NM

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also found accounts that I'm not aware of and have not authorized : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also found accounts that I'm not aware of and have not authorized : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding a {$20000.00} reversal that appeared on my Chase credit card statement in XX/XX/XXXX, dated XX/XX/XXXX. The charge is listed as : XX/XX/XXXX Reversal {$20000.00} This transaction appears to be connected to a previously resolved issue involving a balance transfer from Chase to XXXX. 

Background : In XX/XX/XXXX, I opened a XXXX XXXX credit card issued by XXXX. During the application process, I mistakenly selected the Balance Transfer option, not fully understanding the implications. I attempted to cancel the transfer but was informed it had already been processed.

To resolve this, I submitted a CFPB complaint against XXXX on XX/XX/XXXX ( XXXX XXXX. XXXX ) and made a full payment of {$20000.00} directly to XXXX on XX/XX/XXXX. That matter was closed, and I considered the issue resolved. 

Current Issue : In my XX/XX/XXXX Chase credit card statement, I noticed a new {$20000.00} credit appearing under the entry XX/XX/XXXX Reversal, despite the issue having already been resolved six months prior. I contacted Chase customer service on XX/XX/XXXX, but they were unable to explain the origin of this transaction or clarify whether it was an error.

Supporting Evidence : Attached is a summary table of my Chase account activity from XX/XX/XXXX to XX/XX/XXXX. It shows : A {$20000.00} credit posted in XX/XX/XXXX, leading to a negative balance of {$13000.00} A full payment made directly to XXXX on XX/XX/XXXX A second {$20000.00} credit suddenly appearing again in XX/XX/XXXX, without any corresponding purchases or activity. This strongly suggests that a duplicate or erroneous reversal was posted by Chase, despite the matter having been resolved earlier.

I am requesting : A full investigation into the {$20000.00} XX/XX/XXXX Reversal on my XX/XX/XXXX Chase statement Clarification on whether this transaction is a duplicate of the previously resolved balance transfer Correction or reversal of the charge, if found to be an error A formal written explanation from Chase Attachments : XX/XX/XXXX Chase transaction summary ( with {$20000.00} credit highlighted ) Payment confirmation to XXXX ( dated XX/XX/XXXX ) Prior CFPB complaint reference : XXXX Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I received notification that my credit score decreased significantly because a debt collector negatively submitted a debt towards me. This happened with XXXX. I disputed the debt and resulted in the deletion of this debt because I do know why this company would do this on behalf of Progressive when I do not have any accounts with them. Caine and Weiner of XXXX Texas has very bad reviews and a reputation of doing the same to many others. I am reaching out because I believe this is fraud. Probably happening so often. I monitor my credit and other accounts regularly, and this is not XXXX I know. They did this without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there a several loans credit cards and students loans ive never opened. I have never gave anyone authorization or permission to open these accounts without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: TN

Complaint narrative:
I've called twice about getting this form emailed over. Both times, I was lied to. During those conversations, I was assured I would receive the form by email that day, by the end of day. I called on XX/XX/XXXX, and I was called after survey feedback on XX/XX/XXXX. The problem has been solved about as much as an elephant salsa dances on tightropes. I also sent an email on XX/XX/XXXX of this year. Still crickets Complaint # XXXX submitted previously is identical. What I wonder is if US Bank is just that incompetent, poorly staffed, or otherwise predisposed to inaction Their own call records and email server will corroborate all I have said as true

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 2025-06-28 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: FL

Complaint narrative:
n or around XX/XX/year>, a collection account was opened by XXXXXXXX XXXX on behalf of the original creditor, XXXX XXXX. The amount listed is {$470.00}, and the account is currently marked as derogatory on both XXXX  and Experian reports. 

I do not recall receiving any detailed notice or billing statement from either XXXX XXXX or XXXX. XXXX about this debt. I have not received a validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), despite the account being reported to credit bureaus. 

Additionally, there is no record of payments, service agreements, or communication from the creditor before it was sent to collections. The reporting of this collection has caused significant negative impact on my credit, and I would like this matter investigated. 

I am requesting : A full validation of the debt including the original agreement and itemized billing. 

Immediate correction or removal of this account if validation can not be provided.

A review of whether this collection was reported in accordance with fair credit reporting laws.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> CB/VICSCRT Subject : Dispute of Incorrect Reporting and Unauthorized Securitization of Charged-Off Account Dear CB/VICSCRT, I am writing to formally dispute the reporting of the account referenced as [ Account Number or Description ] on my credit report, which you are currently reporting to the credit bureaus as a charged-off account. This reporting is factually inaccurate for the following reasons, and I request immediate correction. 

Most critically, your organization no longer owns this account. As evidenced by the issuance of a Form 1099-C, you have written off the debt as a loss, and consequently, the debt has been securitized or transferred to third-party investors or entities. Under the principles of securitization and established case law ( notably in USC case law ), once a debt has been securitized and a 1099-C has been issued, the original creditor no longer maintains ownership or the authority to report the account as a delinquent or charged-off debt. 

Furthermore, reporting this account as a collection or charged-off account when you no longer have ownership constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related statutes, which prohibit inaccurate or misleading information. It also violates your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and relevant case law concerning the rights of debtors and the proper reporting of securitized debt. 

Therefore, I demand that : 1 You immediately correct the reporting to accurately reflect that you no longer own this debt.

2 Remove all negative entries related to this account from my credit report.

3 Provide documentation evidencing your legal ownership of the account at the time of the reported delinquency, including a clear chain of title or securitization trust documentation.

Failure to correct this inaccurate reporting adversely affects my creditworthiness and constitutes a violation of applicable laws. If necessary, I will not hesitate to escalate this dispute to the Consumer Financial Protection Bureau, the Federal Trade Commission, or pursue legal remedies to rectify this matter. 

Please acknowledge receipt of this dispute within 30 days and confirm that you will take corrective action promptly. I look forward to your swift cooperation in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
Valon Mortgage bought my mortgage from XXXX, Valon took over the policy effective in XX/XX/XXXX. My homeowners insurance since XXXX has been through XXXX, with my premiums paid through my mortgage escrow. Valon has failed to send payment to XXXX which was due XX/XX/XXXX. They issued a check to an insurance company I have never been affiliated with called XXXX insurance. Valon refuses to take responsibility for their mistake, refuses to provide documentation, has tried to convince me I have a policy with XXXX, and provides no resolution. I have to pay XXXX out of pocket to keep my homeowners insurance from lapsing. Valon has forced me to be the one to figure out how to get my money back from XXXX insurance. XXXX XXXX says this process could take an unknown amount of time to resolve. In essence, I have paid for my homeowners insurance twice and Valon admits no wrongdoing, resolution, or even root cause analysis as to why this has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am writing to dispute the collection account from XXXX XXXX XXXX ( XXXX ) XXXX which is inaccurately reported to XXXX XXXX, and XXXX XXXX I have never opened a XXXX account, and as such, I should not have any account moved to collections. 

Additionally, all three credit agencies are reporting incorrect names, addresses, dates of birth, and phone numbers associated with my credit report. I demand immediate corrections to this information and appropriate compensation for the damages caused by these inaccuracies. 

As outlined in the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681, consumer reporting agencies must act with fairness and respect my right to privacy. The aforementioned inaccuracies violate my rights, and I request all agencies to cease reporting these false claims immediately and rectify the misinformation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I requested debt validation from the company in question multiple times, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. Despite my repeated written requests, the companies failed to provide proper verification of the alleged debts. They did not supply documentation to prove that I owe the debt, the amount claimed, or their legal right to collect it.

According to the FDCPA, once a consumer disputes a debt in writing within 30 days of being contacted, the collector must cease collection efforts until proper validation is provided. However, the companies continued to report the alleged debts to the credit reporting agencies without validating the debt as required by law. This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires accurate reporting and proper investigation of disputes.

Request to remove Account below due to failing to provide debt validation : JEFFERSON CAPITAL SYSTEMS Account Number:XXXX Account Type : Debt Buyer Amount : {$5800.00} Disputed and Information was requested XXXX of 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a documented victim of identity theft, supported by my FTC Identity Theft Report XXXX. XXXX, a valid photo ID, and detailed personal statements. XXXX has already conducted an investigation and permanently blocked the fraudulent account from XXXX XXXX ( Account XXXX. ending in XXXX ) from my XXXX report as of XX/XX/year> ( Case ID XXXX ) Despite submitting the same documentation to Equifax, Experian, and TransUnion, these agencies continue to report this fraudulent tradeline, exposing me to harm, credit denials, and emotional distress in violation of multiple federal laws. 



Complaint Against Credit Bureaus : I am demanding that Equifax, Experian, and TransUnion : Immediately delete and permanently block the fraudulent XXXX XXXX  account from my credit report ; Cease and desist from reporting any data related to this account ; Provide a full method of verification and a complete, detailed description of any investigation conducted, including the date, time, and parties involved. 



Violations of Federal Law : These bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes, including : 15 U.S. Code 1681c-2 Requires a consumer reporting agency to block identity theft-related information within 4 business days upon receipt of a police report or FTC Identity Theft Report.

15 U.S. Code 1681b Prohibits the release of a consumers information without permissible purpose or authorization.

15 U.S. Code 1681e ( b ) Fails to maintain maximum possible accuracy of information.

15 U.S. Code 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S. Code 1681g Right to disclosure and the requirement to provide the method of verification and data sources. 
FTC Identity Theft Guidelines Once XXXX has blocked the account, all other consumer reporting agencies should do the same to ensure uniformity and prevent re-dissemination. 



Documentation Attached : FTC Identity Theft Report ( Report # XXXX ) Copy of Government-Issued Drivers License XXXX Dispute Results Showing Permanent Blocking of XXXX XXXX Requested Resolution : 1. Permanent deletion and blocking of the XXXX XXXX tradeline from all three credit bureaus. 
2. Written confirmation that the account has been removed and will not reappear.

3. Cease and desist from reporting, redistributing, or furnishing this fraudulent account.

4. Provide the method of verification and full investigation details in writing.

5. If compliance is not met immediately, I reserve the right to file civil actions and regulatory complaints seeking statutory and actual damages under 15 U.S. Code 1681n and 1681o.

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response and I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ). Please removed this unverifiable item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief