vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Second Request - Credit Reporting Violations Under FCRA and FDCPA Dear Consumer Financial Protection Bureau , I am submitting this second complaint regarding inaccurate and improper reporting on my credit report, as my previous complaint was not resolved satisfactorily. 
I have noticed multiple Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations on my credit report that are negatively impacting my financial standing. Despite my first dispute, the credit bureaus and/or creditors have failed to take corrective action. 
Issues Identified on My Credit Report : 1. Inaccurate Reporting of Account Status o The following account ( s ) have been reported as Charge-off or in collections, despite being disputed and/or settled : XXXX XXXX XXXX XXXX XXXX This violates 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), as the furnisher has failed to update incorrect information. 
2. Re-Aging of Debt ( Possible Violation ) o The Date Last Active and/or the Date of Last Payment appears to have been incorrectly updated, which restarts the statute of limitations on the debt.

o If proven, this would be a serious violation of FCRA and FDCPA regulations. 
3. Failure to Mark the Account as Disputed o Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), creditors and credit bureaus are required to mark accounts as disputed once a dispute has been filed.

o My disputed accounts are still being reported without this required notation. 
4. Incorrect Balance and Credit Limit Reporting o Some accounts show inconsistent balances, credit limits, and past due amounts, which may be artificially inflating my debt-to-credit ratio.

o This violates FCRA 15 U.S.C 1681e ( b ) ( duty to maintain accuracy ).

Requested Resolution : I respectfully request the CFPB to investigate this matter and ensure that the credit bureaus and/or creditors : delete the inaccurate information on my credit report. 
Provide proof of debt validation ( if applicable ). 
Cease any re-aging of accounts and report the accurate Date of Last Activity. 
Ensure compliance with FCRA and FDCPA regulations. 
Attached are copies of my credit report, previous dispute letters, and any responses from credit bureaus or creditors. 
I appreciate your attention to this matter and look forward to your prompt resolution. Please provide me with updates regarding the investigation. 
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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Second Request - Credit Reporting Violations Under FCRA and FDCPA Dear Consumer Financial Protection Bureau , I am submitting this second complaint regarding inaccurate and improper reporting on my credit report, as my previous complaint was not resolved satisfactorily. 
I have noticed multiple Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations on my credit report that are negatively impacting my financial standing. Despite my first dispute, the credit bureaus and/or creditors have failed to take corrective action. 
Issues Identified on My Credit Report : 1. Inaccurate Reporting of Account Status o The following account ( s ) have been reported as Charge-off or in collections, despite being disputed and/or settled : XXXX XXXX XXXX XXXX XXXX This violates 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), as the furnisher has failed to update incorrect information. 
2. Re-Aging of Debt ( Possible Violation ) o The Date Last Active and/or the Date of Last Payment appears to have been incorrectly updated, which restarts the statute of limitations on the debt.

o If proven, this would be a serious violation of FCRA and FDCPA regulations. 
3. Failure to Mark the Account as Disputed o Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), creditors and credit bureaus are required to mark accounts as disputed once a dispute has been filed.

o My disputed accounts are still being reported without this required notation. 
4. Incorrect Balance and Credit Limit Reporting o Some accounts show inconsistent balances, credit limits, and past due amounts, which may be artificially inflating my debt-to-credit ratio.

o This violates FCRA 15 U.S.C 1681e ( b ) ( duty to maintain accuracy ).

Requested Resolution : I respectfully request the CFPB to investigate this matter and ensure that the credit bureaus and/or creditors : delete the inaccurate information on my credit report. 
Provide proof of debt validation ( if applicable ). 
Cease any re-aging of accounts and report the accurate Date of Last Activity. 
Ensure compliance with FCRA and FDCPA regulations. 
Attached are copies of my credit report, previous dispute letters, and any responses from credit bureaus or creditors. 
I appreciate your attention to this matter and look forward to your prompt resolution. Please provide me with updates regarding the investigation. 
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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I randomly got a collection on my account regarding cons I believe and then I got it disputed and then it came right back. I tried to do it on XXXX but experience seems like its not helping me but working against me. I dont know if theyre making money from it or what But I would like some help getting this removed from my collection and off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have a FNBO credit card ending in XXXX, There was a fraudulent transaction on XX/XX/year> worth {$470.00} ( plus a foreign transaction fee of {$14.00} ) I reported this fraudulent transaction to FNBO promptly, Its been XXXX months FNBO has done nothing about it, they haven't given me a credit, and haven't resolved the matter. 

I want XXXX to please take this matter seriously, FNBO is not resolving the matter, and harassing 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 monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of last year. I found an XXXX  for XXXXXXXX XXXX XXXX company on XXXX and called them. After that, I spoke to XXXX XXXX, and he wrote to me on the XXXX app. XXXX sent me ads for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And assured me that all the deposits were covered by several different Insurances, including Sec, and Finra. Then On XX/XX/XXXX of This year, I made a {$500.00} deposit in XXXX  to a wallet in The XXXX XXXX XXXX XXXX or XXXX, Using The XXXX XXXX program Transaction. ( XXXX ) To Wallet ( XXXX ) After the transfer, I was Chatting, and working with XXXX XXXX, who is trader. He set up for me XXXX XXXX on XXXX XXXX XXXX XXXX It started to work. I think that I made close to {$95.00} dollars in the first week. But then, after I did not see any profit. And I started to have a bad feeling about this Platform. When I started to make a deposit and trade, Both XXXX XXXX and XXXX XXXX, Assured me that my deposit and account are covered by Sec And Finra insurances.

Also, they told me that my account could be closed in 2 weeks, and I will receive my deposit back. Even before deciding to close my account, I tried to transfer some money out of my account. But I could not. After that, on XX/XX/XXXX I asked XXXX XXXX to close my account. 
And he told me that I could not withdraw any money because I tried to close my account. 
Also XXXX told me that it would take me 3 month to close my account. And three month later, sometime in XXXX, I received a call from XXXX, who said he is a Manager or Owner of The Platform. Then he told me that to withdraw my money, I have to deposit another {$500.00}. But I could not then. And I lost XXXX XXXX  phone number. Later on, I read that this company could be a scam On XX/XX/XXXX, I reported this scam to Sec Oig by email But no one responded to me. And On XX/XX/XXXX. I reported this to XXXX XXXX online, and by email. The Contacts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Called me XXXX ( XXXX ) XXXX XXXX Recently , I was Contacted by XXXX XXXX ( XXXX ) On XX/XX/XXXX Who claims to work for the Finra regulator. And he forwarded my info to XXXX XXXX XXXX, XXXX Who works for XXXX XXXX XXXX claims to work for XXXX XXXX 
Currently, XXXX XXXX said that the Scammers from The XXXX XXXX XXXX XXXX, have stolen my wallet, and that there are {$9000.00} in the wallet after the Algorithmic Trading And he wants me to Send XXXX XXXX from my XXXX XXXX wallet to https : XXXX In Order to Sync the wallets and They want 10 % pay of the sum in the wallet to recover my funds Also, XXXX said that if I don't use his company to recover, Then the Irs will Tax me.

And i will pay 20 % tax I think that this could be a scam I sent my bank account info to 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 2025-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: CT

Complaint narrative:
Everyday Jefferson capital text me about a bill that I am pretty sure I paid off at XXXX. They say I owe them XXXX and that I am not sure why or how I owe them. 

XXXX, pay your JEFFERSON CAPITAL SYSTEMS LLC account your way. Make your choice at XXXX XXXX XXXX  or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out Ive also replied and say stop and they keep texting me. Also they have put it on my credit report which. I would like to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I was in several data breaches an Im asking that this be cleared up and balances XXXX  out.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My vehicle I was finciancing through Chase bank sent my vehicle in for a repossession. I was never properly noticed of this until the day the vehicle was taken. I made a phone call to Chase Auto Loan department and explained the situation. I was told I was going to be took to court and was given a day I allegedly received a notice of repossession I checked my mail and never received that and told the representative. Upon speaking to the representative I asked why did are they reporting on my credit inaccurately I was on time with payments but they reported to my credit I was 60 days behind then the next month I was on time with payments again. I was never given explanation but received an excuse. As I was talking to the representative they were changing the information on the computer to make their side of the story true. I spoke to another representative on XX/XX/year> she was very rude and was also changing information in the computer to make a story. She then proceeds to tell me a different date of the day I allegedly received a letter of repossession and I had returned mail. I emailed XXXX XXXX myself. I was contacted by a XXXX XXXX on XXXX XXXX, he told me to not contact XXXX and that he would handle the investigation. He told me I did not have returned mail and that he needed the day I was last in contact with a representative. I told him the day and he said he would get back to me. XXXX XXXX gets back in contact with me and now saying the complete opposite of our previous phone call and proceeded to change my principal balance on the vehicle placing it higher on my credit report. I could not refinance with another company because of Chase Auto Finance. They are ruining my credit scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for and purpose. 

Collection company : Tirey , St John *****Stop running my credit report!! this is a violation of identity theft. Stop illegally reporting! Cease and desist any further communication towards me and any third party company and credit agencies. Last final attempt! ******

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had this XXXX XXXX card and it was charged off closed by the bank. we both agreed upon a monthly payment to payoff whatever the balance is. The agreement was to pay monthly {$100.00} every month for 38 month. which i am paying every month. I have attached the payment proof and also the payment plan agreement with the bank XXXX  XXXX. but for some reason XXXX  XXXX have been sending wrong report to credit bureaus as missed payments. Since XXXX, XXXX my payment plan started and have been paying on time every month. but they have been sending reports to bureaus as late payment. The latest update is till XX/XX/XXXXXXXX  and it says late.. no. Thats incorrect. I can fight this on the court with lawyer too because i have every proof.. I have attached the credit bureaus report and also the proof i have been paying on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-02 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:
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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have requested all communication to stop and to send me purchase agreement to show they have the right to collect. They have contacted me after this and as threatened to put me in jail and take my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I filed a attestation form for XXXX XXXXg car loans where taken out in my name under durest

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 2025-03-02 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: CA

Complaint narrative:
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for and purpose. 

Collection company : XXXX XXXX XXXX XXXX XXXXStop running my credit report!! this is a violation of identity theft. Stop illegally reporting! Cease and desist any further communication towards me and any third party company and credit agencies. Last final attempt! 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 2025-03-02 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: CA

Complaint narrative:
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for and purpose.

Collection company : XXXX XXXX XXXX XXXX XXXXStop running my credit report!! this is a violation of identity theft. Stop illegally reporting! Cease and desist any further communication towards me and any third party company and credit agencies. Last final attempt! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
There was no money taken because there is no way Id place my money in there I went to apply for chime and they opened a account with just my word of my name and social security number never asked me to verify it or anything therefore anyone in the world all they need is my name address and social security number and they can open an acct and could potentially be used and destroy someones credit and they could also have illegal funds deposited and used on illegal purchases and transfers that could potentially cause me to be in serious trouble I think chime definitely needs to be investigated because anyone in the world could use someone elses name to do illegal activity and potentially ruin their credit with no proof of identity all is required is name address and a social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XXXX XXXX I went the a court hearing because I was served a court order from the XXXX XXXX sheriff 's office, ordered from Midland credit management and the case was dismissed.

Company response to consumer: Closed with explanation