vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: OH

Complaint narrative:
Upon reviewing my credit report, I noticed a discrepancy. Specifically, I observed an issue with an account reported by XXXX XXXX. While Equifax and Experian list the account as having been opened on XX/XX/year>, TransUnion reports the same account as being opened on XX/XX/year>. 

If this is indeed the same account reported by the same creditor, I am concerned as to why there are differing opening dates and why Equifax and Experian are not reflecting this discrepancy. I have contacted the companies directly and have sent multiple letters requesting that this item be corrected or removed, as it is inaccurate. 

Due to this apparent negligence and in an effort to ensure that my credit report remains accurate, consistent, and up to date, I respectfully request that this account be deleted immediately. 

This situation appears to be a violation of the Fair Credit Reporting Act ( FCRA ). I urge you to address this matter promptly and remove the incorrect information. 

Please delete this account from my credit report immediately. 

Thank you for your prompt attention to this matter.

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 2025-05-25 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: OH

Complaint narrative:
Upon reviewing my credit report, I noticed a discrepancy. Specifically, I observed an issue with an account reported by XXXX XXXX. While Equifax and Experian list the account as having been opened on XX/XX/year>, TransUnion reports the same account as being opened on XX/XX/year>. 

If this is indeed the same account reported by the same creditor, I am concerned as to why there are differing opening dates and why Equifax and Experian are not reflecting this discrepancy. I have contacted the companies directly and have sent multiple letters requesting that this item be corrected or removed, as it is inaccurate. 

Due to this apparent negligence and in an effort to ensure that my credit report remains accurate, consistent, and up to date, I respectfully request that this account be deleted immediately. 

This situation appears to be a violation of the Fair Credit Reporting Act ( FCRA ). I urge you to address this matter promptly and remove the incorrect information. 

Please delete this account from my credit report immediately. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My debit card was locked, which has happened many times before for reasons not warranted when attempting to make everyday transactions. I called Citi Bank thinking they would simply unblock it so I could access my money. The lady on the line for Citi told me there was nothing she could do. That the only option was for them to send me a new debit card. When telling her Citi is the XXXX who blocked it, no explination was provided. No help. A few hours later I came to realize I was locked out of my online banking portal. The error was I just had to reset my password, which I attempted to do XXXX or XXXX times. The first time, I verified myself with all information required. Everything was true and matched exactly what they were asking for to verify and reset my password. I only got an error after all the input stating my info doesn't match my account/what Citi had XXXX Then called Citi once again, and was transferred to XXXX different " Fraud '' departments after handing over all my information to each one. This was time consuming and nothing was resolved, was bounced around until the third, " other fraud '' department I was transferred to came on the line. Was then simply told my account was " under investigation '' and although I pressed as to what that meant, etc. no other information was provided. I inquired about the money in my account and the only response Citi had was " I will be hanging up now and can not discuss further '' then the representative proceeded to hang up. All of this was after full, step by step verification of myself and my accounts. I do not have access to my money, nor any answers as to what is going on. The whole ordeal was completely unprofessional and honestly, extremely sketchy.

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 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Account XXXX National Credit System. I am aware of this debt and attempted to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding Equifax Inc.s failure to comply with a bankruptcy discharge order issued by the United States Bankruptcy Court , XXXX XXXX of Michigan . 

On XX/XX/year>, the court granted me, XXXX XXXX XXXX, a discharge under 11 U.S.C. 727 ( Case Number XXXX, XXXX  XXXX, Honorable Judge XXXX XXXX XXXX ). 

Appropriate notice and documentation were sent to Equifax Inc., including the official court discharge order. My attorney confirms that proper notice was provided to all three major credit reporting agencies : Equifax, XXXX, and XXXX.

XXXX  and XXXX  promptly complied with the court order by updating my credit report to reflect the bankruptcy discharge and removing the associated negative accounts. 

However, Equifax Inc. claims to have never received the notice. Despite this, I personally contacted Equifax and escalated my dispute to a Tier 3 Agent. I submitted complete court documentation, including the discharge order signed by the bankruptcy judge. Equifax Inc. has refused to comply with the courts discharge order and continues to report inaccurate information, in violation of federal bankruptcy law.

This noncompliance is causing significant harm to my credit and financial well-being, and I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel Equifax to comply with the lawful discharge order.

Thank you for your attention to this matter, I trust you will handle it appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
REASONABLE REINVESTIGATION I am submitting disputes to XXXX  tomorrow ( XX/XX/year> ) under FCRA 1681i demanding verification of : Disputed Accounts : Navy Federal Credit Union : {$51000.00} charge-off ( Account : XXXX ) XXXX XXXX : {$29000.00} charge-off ( Account : XXXX ) Verification Demands Include : Original signed contracts establishing debts Complete payment histories from inception to charge-off Legal standing documentation to report these debts IRS Form XXXX compliance ( required for debt cancellations > {$600.00} ) Chain of title documentation if debts were transferred/sold XXXX. SYSTEMATIC INACCURACY PATTERN Hard Inquiry Discrepancies : XXXX  reports : XXXX hard inquiries XXXX  reports : XXXX hard inquiries XXXX difference suggests unauthorized reporting or systematic errors Account Count Variations : Different total account numbers across bureaus indicate missing or phantom accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit has put a false, unverified, and unproven debt on my credit report. I do not own this debt. I don't know who XXXX is. They are constantly calling, harassing me, and spamming me. XXXX has refused to give more info after requesting proof. They are now threatening to sue after we have asked for more info, and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TN

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 2025-05-25 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: KY

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 non-monetary relief
Consumer complaint received 2025-05-25 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: Radius Global Solutions LLC
State: AL

Complaint narrative:
Data breach and not.any of this information belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
According to the FCRA account the account named, JPMCB CARD has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Experian Information Solutions Inc.
State: FL

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 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 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 2025-05-25 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:
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 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
Consumer complaint received 2025-05-25 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:
Experian has the following XXXX closed accounts on my credit file as closed on my credit report/file that's damaging my credit. 
Company : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Opened : XXXX Balance : {$6200.00} as ( Paid off ) But is showing as a closed account. 
XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Status : Paid {$900.00} XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX Status : Paid, Closed, Never late XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Status : Paid, Closed, Never Late XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Status : Paid, Closed, Never Late XXXX. XXXX XXXX XXXX Account # XXXX XXXX Status : Paid, Closed, Never Late. 

Experian has these accounts on my credit report/file as closed accounts and it is damaging my credit. I request the removal of all the accounts above off my credit report/file as EXPERIAN has my First and last name reported and misspelled 4 different ways XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX The misspelling of my name on my report looks to be a fraud issue/ identity theft on the accounts above. How can Experian validate that these are my accounts with 4 different spellings of my name? I request the removal of these accounts ASAP. Thank you. Under law 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states any disputed items that can not be verified must be deleted from my file of the consumer. They have to provide the original documents with my wet live signature. Anything less is legally insufficient under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally request assistance and clarification regarding a recent dispute I initiated for a digital service purchased with my Discover card. Here is a detailed summary of the situation : I purchased a digital educational service from a company that operates outside of the XXXX, but they also have a registered entity in the United States. I used my Discover credit card for the transaction. After accessing the service, I found that it was saturated and not as described. I immediately contacted the company and explained my concerns. Instead of addressing the issue, the company banned me from accessing their educational page. However, the service remains available for other current and future customers, so the issue does not appear to be system-wide, but targeted. As a result, I disputed the transaction through Discover. Initially, Discover decided in favor of the merchant. I then uploaded documentation and additional evidence, after which Discover reversed the decision and ruled in my favor. Subsequently, the company submitted a PDF document claiming their service is non-refundable, citing a general policy. However : I was never shown or asked to agree to any refund policy at the time of purchase. I did not sign any contract or acknowledge any terms stating the service was non-refundable. The PDF they sent contains only generic content, and no personal information, name, or signature that confirms I agreed to those terms. I could easily generate the same type of content using AI tools like XXXX, which further questions its credibility. I also contacted the company via email, and based on their initial replies, it seemed they were considering refunding the payment. However, they now claim that the payment has not been returned to them by Discover, and I have not received the refunded amount in my account either. This has left me in limbo, where neither the bank nor the merchant is returning the funds, despite a favorable dispute decision in my favor. Given all the above, I kindly ask Discover to : Confirm the current status of the refund : Has the chargeback amount been recovered from the merchant? If the funds were returned by the merchant, please credit the amount to my account as soon as possible. If the merchant refuses to cooperate and the refund is blocked, please reopen the case with the documents I submitted, as the PDF they sent does not prove consent or any agreement on my part. I am available to provide any additional details or clarification you may need. I appreciate your assistance in resolving this matter promptly. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
I created a wallet with the company XX/XX/year> and lost access it to it after they updated their systems and erased usernames. I have been attempting to speak to a member of their support team, with multiple emails back and forth for many years and most recently for XXXX emails and they continually provide the same canned response that does not address my issue. A support engineer has already told me they have the ability to perform the search I am requesting but I am unable to talk to anyone past their first level of support who have given me the same faq page over and over again. By not passing my support ticket to the senior engineers or company technical specialists hey are preventing me from accessing my wallet. The T1 support is refusing to escalate my request. The wallet has a value of over XXXX as of this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-26 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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