vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) {$470.00}, XXXX, XXXX XXXX. 
This letter serves as formal notice regarding the collection account referenced above, which you are currently reporting to the credit reporting agencies. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), you are required to ensure that any information you furnish to consumer reporting agencies is accurate, complete, and verifiable. Failure to properly verify the debt and continuing to report unverifiable, inaccurate, or incomplete information constitutes a direct violation of federal law. 

Additionally, the FDCPA ( 15 U.S.C. 1692e ) prohibits debt collectors from using any false, deceptive, or misleading representations when collecting a debt. Continuing to report a debt that can not be properly validated falls squarely under this prohibition. 

You have failed to provide sufficient verification of this alleged debt. As such : You are in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of unverifiable or inaccurate information. 
You are also in violation of 15 U.S.C. 1692e ( 8 ), which forbids communicating credit information known to be false. 

I am demanding the immediate deletion of this account from all consumer reporting agency ( Equifax ). Updating the account to paid or settled is not sufficient. Full deletion is required. 

You are hereby instructed to : Delete the collection account immediately from all credit bureaus. 
Cease all reporting and collection activities related to this account. 
Provide me with written explanation. 

Failure to act will be seen as willful noncompliance with federal law, and you will be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of a scam which resulted in them taking everything that I financially own. I have nothing in my bank account and am struggling to survive. I have provided every single document and piece of evidence ; including police reports. Chase automatically closed my claim without considering the evidence I had. I've been a loyal customer for over 10+ years and was mistreated and disregarded. 

Here is how the scam took place : XX/XX/year> XXXX - I received a text message of an automated XXXX XXXX : Beware of scams. Chase Bank Verify Payment. Send {$1900.00} XXXX XXXX to XXXX XXXX? Reply YES to send, NO to cancel. XXXX The number provided XXXX is Chase 's real customer service number. According to my call history, I had dialed this number after receiving this text, which was then intercepted by the scammer. 

XXXX - First phone call ( XXXX ) XXXX They claimed there had been fraudulent activity on my account and they have footage of someone creating a fake ID under my name, attempting to take out money from a Chase near me. They said this person is dangerous and has my name, address, and workplace information. The caller warned me immediately to go to a Chase bank the next morning to resolve this issue. 
They made me XXXX their manager {$500.00} XXXX XXXX XX/XX/year> XXXX - They called again and said Chase has been under federal investigation due to criminal activity between tellers and scammers. Because of this, they told me to keep him on the phone, hidden in my bag while I withdrew all of my money in cash. They claimed they were watching me on the cameras to ensure my safety. The cash was deposited into a new Chase digital card at an ATM, which they forced me to delete from my XXXX XXXX shortly after. 

XXXX - After the transaction, they emailed me a forged PDF from the FBI stating that the FBI 's network tracking system as well as Chase has detected fraudulent activity on my profile network. They told me that I would have been in danger if I did not follow protocol. I was told that a new physical card would be sent to my address by Monday. 

XX/XX/year> XXXX - Reached out to Chase Claims in regards to reporting my case and retrieving my money. I was notified that they cant take any action until legal action was involved and recommended I file a police report. 

XXXX - Reached out to the XXXX Police Department . Two officers arrived shortly. 
Officers created a case XX/XX/year> Chase Claims Dept. automatically closed my case after telling me I could submit evidence to be reviewed. Not only did they give me misinformation, but false hope that I could retrieve my money back. I have called over 10 people in their Claims Department to at least give me a chance by looking at the evidence. 

XX/XX/year> XXXX Chase branch near me helped me fax my documents to the Claims Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I reached out the company that stated the origin of the debt. They sent me a lease agreement with my name typed in the body of the lease but no lease signed agreement. I been living in Texas as a homeowner for over 16 years and never lived in the rental that the debtor is claiming I owe a debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: MN

Complaint narrative:
I moved out of my apartment in XX/XX/XXXXXXXX XXXX 
Per Minnesota state law, I should have received a move-out statement within 21 days. 
I never received any notice of damages or balance owed. 
In XX/XX/XXXX, I discovered a collection account had been placed on my credit report without prior notice or validation. 
I have requested debt validation but have not received proper documentation. 
I am requesting removal of this account from my credit reports and proper handling of this matter under the Fair Debt Collection Practices Act and Minnesota tenant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I observed unfamiliar accounts listed on my credit report without any clear reason. While routinely reviewing my report, I encountered unexpected discrepancies. Attempting to refresh my browser to rule out a technical glitch proved ineffective, as the inaccuracies remained. Consequently, I request a thorough examination of the documents I've provided to ensure this issue is resolved and doesn't recur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
according to 15 ucs 1681eb you are supposed to assure max possible accuracy this account is not accurate this account is not mine and needs to be deleted according to the fcra delete account for violation of 15 usc 1681eb attached are documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Citizens had a promotion to deposit new money to receive high 4.25 % APY. On XX/XX/XXXX I deposited XXXX  XXXX and met the requirements on that date. I also deposited almost XXXX  XXXX XXXX  days later. But I wasnt getting 4.50 %. I called and spoke with XXXX the XXXX in XXXX XXXX branch who said he needed to manually enter this and request an exception for me to get the higher rate. XX/XX/XXXX case XXXX. Also on XX/XX/XXXX XXXX. Requested the adjustment and an update. Neither was provided. 
The XX/XX/XXXX interest earned payment to my acct was the first month I received full interest payment with the high APY. I am owed the back interest from the time I made the deposit and met the qualifications through then. Last time I spoke with XXXX was XX/XX/XXXX where he suggested I call a XXXX number to ask for an update. Why would I do that and speak to a random person in XXXX who is not familiar with my questions. Instead Ive submitted this regulatory complaint in hopes I finally get the interest I am rightfully owed. 

I also suggest that citizens review their terms and conditions from a UDAAP lens if you are unable to detect and proactively apply the offer when a consumer meets them. I should not have to call in and request it after I meet them. Nor should I still be calling back for 6 months still requesting offer to be fulfilled. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Bureau 's Name-Capital Onr Dear Credit Bureau XXXX Representative, Re : Dispute of Unauthorized Account - Identity Theft I am writing to request the immediate removal of a negative account from my credit report. The account in question is a Capital One account that I did not open or authorize. I am a victim of identity theft. 

Account Details : - Account Number : account ending in XXXX - Account Type : Capital one Under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines, I request : 1. Removal of this account from my credit report.

2. Verification that this account is marked as " identity theft '' or " fraud. '' 3. Confirmation of these actions in writing. 



Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting an alleged debt to the consumer reporting agencies without properly validating the debt as required by federal law. 

I submitted a formal written request to True Accord Corporation asking for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006.34 ). I requested full documentation including the complete chain of title, proof of ownership, itemized accounting of the debt, and confirmation of whether the debt had been securitized. 

Despite my timely request, XXXX XXXX XXXX has failed to provide the required validation and has continued to report this alleged debt to the credit bureaus ( Experian, Equifax, and TransUnion ) without providing verification. Their continued reporting of an unvalidated, disputed debt violates the Fair Credit Reporting Act ( FCRA ), FDCPA, and Regulation F. 

As a result of their actions, inaccurate and unverified information is being furnished to the consumer reporting agencies, damaging my credit profile and causing financial harm. 
I am requesting that XXXX XXXX XXXX immediately cease all collection activities, delete the account from all consumer reporting agencies, and comply with all applicable federal laws. If they fail to do so, I intend to pursue further legal action for damages resulting from these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Subject : Notification of Ownership and Liability Transfer Goldman Sachs XXXX XXXX Credit Card Account No. XXXX Dear Sir or Madam, I am writing to formally notify the Consumer Financial Protection Bureau that I, XXXX XXXX XXXX, am transferring all ownership and liability associated with my Goldman Sachs XXXX XXXX credit card account ( Account No. XXXX ) to The XXXX XXXX XXXX XXXX, located at XXXX. XXXX  XXXX, XXXX XXXX, GA XXXX. 

Effective immediately, I, XXXX XXXX XXXX, am no longer personally liable for any past, present, or future charges associated with this account. All rights, obligations, and responsibilities pertaining to the account have been transferred to the Trust. A UCC XXXX XXXX has been filed under Filing Number : XXXX to reflect this legal transfer. 

I have already informed Goldman Sachs Bank USA of this change and have requested that their records be updated accordingly. 

I am submitting this notice to the CFPB for the purpose of documentation and to ensure that there is an official record of this transfer in case any future disputes or misunderstandings arise. 

Please feel free to contact me should you require any further documentation or information regarding this matter. 

Thank you for your attention to this notification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$3100.00} Open Date XX/XX/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

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