vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have received a sale to notice, by who I suppose is the debtor of XXXX XXXX, XXXX XXXX XXXX XXXX, has illegally put my home for sale without a court date. My home can not be foreclosure since i am an elector for the electoral collage. The state would have to sell to the state but I am not selling. Somehow they placed my name as a Trustor and notarized without my signature. On my physical deed there is no XXXX XXXX  and there is no deed of trust. furthermore, with no lean, the last parcel is paid under my name. Of which the deed is, Arizona to-wit.

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 2025-05-14 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: NJ

Complaint narrative:
This is a follow-up complaint concerning the ongoing inaccurate reporting of the following charge-off accounts on my Equifax credit report : 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 These accounts continue to be reported as charge-offs or collections despite my previous disputes, which raises concerns about Equifaxs compliance with its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ).

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's failure to conduct proper investigations. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. This ongoing failure to properly verify these accounts represents a clear violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Yesterday ( XX/XX/XXXX ) I was trying to transfer money but I noticed that it kept saying that my account was closed. By this time my bank was closed so I waited until the money to call. This morning ( XX/XX/XXXX ) I called my bank Wells Fargo, and asked them why was account was closed and why ALL of my money was gone. They told me that checks from a computer were imported into my account and that they were unable to do anything. Now my bank account is closed, all of my money is gone, and now I will be owing over {$500.00} of money that wasnt mine and over something I didnt do.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint regarding Chase 's inconsistent and inadequate handling of my disputes against the merchant, XXXX. Between XX/XX/XXXX and XX/XX/2025, I made over {$3000.00} in purchases from this merchant based on their explicit terms of service that advertised " XXXX XXXX  '' as redeemable assets. I compiled a 12-page document with substantial evidence, including the merchant 's original terms, promotional materials, and email confirmations, clearly demonstrating this redeemability. On XX/XX/2025, I submitted a {$680.00} redemption request, which the merchant confirmed via email. However, on or around XX/XX/2025, XXXX  abruptly revoked access to XXXX XXXX balances and disabled redemptions for U.S. customers, voiding my balance of {$3000.00} without any refund or compensation. Notably, Chase has ruled in my favor for several smaller disputes, all under {$99.00}, related to transactions with the same merchant. This inconsistency is perplexing, as the core issuethe merchant 's fraudulent revocation of the redeemable value promised at the time of all purchasesis the same across all transactions, regardless of the individual amounts. In response to my disputes, the merchant only provided Chase with proof of my initial account signup and identity verification, entirely ignoring the evidence I submitted. Chase 's favorable rulings on the smaller disputes, juxtaposed with the unfavorable rulings on the larger ones, suggest a failure to understand or properly consider the comprehensive evidence I provided for all transactions, which clearly demonstrates that the goods/services received were not as described in the merchant 's original terms. Furthermore, the merchant has ceased all communication, with their phone number disconnected and no response to emails since approximately XX/XX/2025. This overall mishandling of my disputes and the inconsistent rulings warrant further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LEXISNEXIS
State: TX

Complaint narrative:
Subject : Request for Removal of Adverse Information Under FCRA 605C ( XXXX Trafficking ) To Whom It May Concern, I am writing to formally request the removal of adverse information on my credit report that resulted from my experience as a victim of XXXX  trafficking, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ).

This section, established under the Debt Bondage Repair Act, requires consumer reporting agencies to block and remove any information furnished by a trafficker or that resulted from trafficking activity once a valid request has been submitted.

I am requesting the deletion of the following item ( s ) from my credit report : All information on my consumer report Type of Account : [ e.g., Collection, Charge-off, Credit Card, etc. ] In accordance with FCRA 605C, I am including the following documentation : Trafficking Documentation [ Choose one or more of the following and insert the appropriate details : ] A determination from a federal, state, or tribal governmental entity or court indicating that I am a victim of trafficking.

Documentation from a non-governmental organization or human trafficking task force authorized to make such a determination.

A Statement of the Specific Adverse Information Attached is my signed statement identifying the specific accounts and tradelines that resulted from trafficking-related activity and should be removed. 
Please treat this request with the urgency and confidentiality it demands. Under federal law, you are obligated to block and delete the identified items and provide confirmation of this action. 

I request a written response within 4 days confirming the deletion of the information in question. Should you need any additional information to complete this process, please notify me promptly in writing. 

Thank you for your attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Subject : Request for Removal of Adverse Information Under FCRA 605C ( XXXX  Trafficking ) To Whom It May Concern, I am writing to formally request the removal of adverse information on my credit report that resulted from my experience as a victim of XXXX trafficking, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ).

This section, established under the Debt Bondage Repair Act, requires consumer reporting agencies to block and remove any information furnished by a trafficker or that resulted from trafficking activity once a valid request has been submitted.

I am requesting the deletion of the following item ( s ) from my credit report : All information on my consumer report Type of Account : [ e.g., Collection, Charge-off, Credit Card, etc. ] In accordance with FCRA 605C, I am including the following documentation : Trafficking Documentation [ Choose one or more of the following and insert the appropriate details : ] A determination from a federal, state, or tribal governmental entity or court indicating that I am a victim of trafficking.

Documentation from a non-governmental organization or human trafficking task force authorized to make such a determination.

A Statement of the Specific Adverse Information Attached is my signed statement identifying the specific accounts and tradelines that resulted from trafficking-related activity and should be removed.

Please treat this request with the urgency and confidentiality it demands. Under federal law, you are obligated to block and delete the identified items and provide confirmation of this action. 

I request a written response within 4 days confirming the deletion of the information in question. Should you need any additional information to complete this process, please notify me promptly in writing. 

Thank you for your attention to this urgent matter. 

Sincerely,

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 2025-05-14 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Early Warning Services has been notified of Identity theft and Data Breach of various Bank account fir tge past 5yrs. Listed XXXX XXXX accounts that involve a deceased customers Data has been smeared on my file with transactions and history that does not belong to me. I do not or have ever done banking with XXXX  XXXX or XXXX  XXXX and have informed the Consumer Reporting company with the Federal Trade Bureau Validation reports that specicify there has been a technical Data mishandling of my consumer identity. Early Warning Services Disclosures are elusive and exploitive with no methodical way to read of understand the data they are reporting. Information is scattered all over the page and today when my legal deptvasked for a manager to make a 508 Administration law complaint the agent could provide an executive or an updated report as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a judgment letter from XXXXXXXX XXXX XXXX due to a debt through midland credit. The paperwork shows the date for 2020 with a balance due of XXXX they are showing balance due of XXXX but reporting a balance on my credit report on XXXX  at $ XXXXand XXXX {$3600.00}. I am still unsure what the debit of for and who the original creditor is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PR

Complaint narrative:
Hello, I am trying to pay my student loans through MOHELA, but they are really hard to reach and so taking money out of my credit without any information or emails involved, I have tried to to call them multiple times and they have not been able to help me or have not answered the phone at all, I have also tried to make an account online through the MOHELA website and it says were sorry our records to match the information you provided once I put in my ssn, therefore I have not been able to pay my student loans through, this is really affecting my credit and I have tried MULTIPLE times for this to go away something that is as easy as paying it off but it has been IMPOSIBLE to do so, therefore everyday that goes by is another missing payment and I feel helpless because I cant call or email or text or even open an account so I am very blinsided and I need help Getting that sorted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate or incomplete information appearing on my credit report. The account listed undeXXXX XXXX XXXX  XXXX, number # XXXX XXXX XXXX XXXX * is currently being reported as a Charge-off in Payment Status, which does not accurately reflect the current status of the account. 

According to a letter I received from XXXX XXXX XXXXXXXX dated XX/XX/XXXX, the account was charged off on XX/XX/XXXX, but a final payment was made on XX/XX/XXXX, and the current balance is {$0.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate or incomplete. I am requesting that this account be updated to reflect the accurate status, either as : Paid Charge-off, or Closed Paid in Full I am including the following supporting documentation : - A copy of my identification - A copy of my credit report with the disputed item highlighted - A copy of the letter from XXXX XXXX XXXXXXXX confirming the account has been paid and shows a {$0.00} balance

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 2025-05-14 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: FL

Complaint narrative:
SEE NOTES AND ATTACHMENT According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report. How is it possible to open the same account on two different days. This is an inaccurate report. Also, the past due dates are showing different reports. The account numbers are also different. Where did you receive these inaccurate reports? Please delete these inaccurate reports immediately.

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I initiated a bill payment through Chase Banks online bill pay service to send {$110.00} to the XXXX XXXX XXXX XXXX XXXX I have used this same service to pay the XXXX XXXX XXXXXXXX for the past six years without any prior issues. According to my Chase account, the funds were debited from my checking account on XX/XX/, and the transaction was processed on XX/XX/, for the full amount of {$110.00}. However, on XX/XX/2025, I received an updated water bill from the XXXX XXXX XXXXXXXX that included current charges along with a balance forward of {$110.00}. 

I contacted the XXXXXXXX XXXX XXXX to inquire about the balance and was informed that they had not received the payment. They advised me that they had recently changed their payment systems and are no longer accepting electronic bill pay transfers from banks. After reviewing their records, they confirmed that there were no pending or posted payments in the amount of {$110.00}. 

Following this, I contacted Chase Bank and spoke with multiple representatives. They confirmed that the payment had cleared and been processed successfully, but they were unable to reverse the transaction or offer any resolution. In an effort to resolve the matter, I visited the XXXX XXXX XXXX XXXX XXXX in person and provided them with proof of payment from Chase Bank. The staff acknowledged receipt of the documentation and said they would investigate the issue. However, they were unable to provide an estimated time frame for a response and reiterated that they could not locate the payment. As a result, I was told my only option is to pay the {$110.00} again to avoid disruption of service. 

I am now in a difficult position where the bank confirms the payment was processed, yet the utility provider denies receiving it, leaving me without a resolution. I am requesting the CFPBs assistance in determining the location of the funds, holding the responsible party accountable, and helping ensure either recovery of the {$110.00} or proper application of the payment to my utility account. I have documentation available, including my bank statement, proof of payment, and the utility bill reflecting the unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
XXXX XXXXXX/XX/XXXXXX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number [ XXXX XXXX XXXX XXXX XXXX which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : XXXX. * * XXXX XXXX : * * Complete name and address of the original creditor. 
XXXX. * * XXXX of the Debt : * * A full accounting of the debt amount, including itemized charges. 
XXXX. * * Proof of Your Authority : * * Documentation proving that you have authority to collect this debt on behalf of the original creditor. 

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports. 

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus. 

I expect a thorough investigation and a full response within the XXXX period as specified by federal law. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. 

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 2025-05-14 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: Credit Karma, LLC
State: CA

Complaint narrative:
Since XX/XX/year> I received notifications that my account was being used and XXXX charges XXXX charges at XXXX for over XXXX each and a {$500.00} XXXX withdrawal all made it XXXXXXXX XXXX fyi I live in XXXX The account is in my husband name who is currently incarcerated so I have power of attorney over his account. I have called multiple times to be told nobody can help me that my account is being handled by a higher department. This higher department has no point of contact supposedly they can only be emailed and apparently only work certain days. Asking for a supervisor gets you no where as the representative on the phone tells you that there is not XXXX available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon looking at my credit file I saw a fraudulent account on my credit file, I did not authorize this account, it is being reported by a third person company, please remove the fraudulent account asap from my credit file, thank you

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