vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing in response to your recent communication regarding an alleged debt in the amount of {$3000.00}. I do not recognize this debt, and I believe it to be a mistake. To clarify, I have never opened an account with HSBC, nor have I been informed of any such debt before these calls. 

I filed for bankruptcy in XXXX, and all of my credit obligations at the time, including credit cards, were included in the bankruptcy petition. My case was discharged in XX/XX/XXXX, and I have no outstanding debts from that time. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they provide the following documentation to validate this alleged debt : Proof that I owe the debt, including a copy of any signed agreement or contract. 

The name and contact information of the original creditor. 

A detailed history of the debt, including any interest or fees added. 

Proof that you are authorized to collect this debt. 

Additionally, I have asked them to provide this information directly to me, but I have not received any satisfactory evidence of this debt. If you are unable to provide proof, I request that you immediately cease all further communication with me and remove any records of this alleged debt from your system. 

Lastly, I would like to emphasize that you contacted my family members regarding this matter, which is inappropriate and potentially a violation of my privacy under the FDCPA. I ask that you cease this behavior immediately. 

XXXXXXXX XXXX XXXXXXXX ' phone number is XXXX Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
On XX/XX/year>, I filed a Complaint with the CFPB against XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX  responed to that complaint ( See Complaint # XXXX ) In XXXX XXXX XXXX respone to the aforementioned complaint. They state the following within their response : " A request to update your credit report will be sent to the appropriate credit reporting agencies. Please allow up to sixty ( 60 ) days for this to reflect on your credit report. '' After that writing. I thought the issue was taken care of. Until I applied to a Mortgage to purchase an income property. I found then that my credit score had dropped because of this issue still being present on my credit. 
I contacted XXXX XXXX on the day of this writing. They informed me emphatically that they had already requested that this newgative information be removed from my credit files. And that I should contact the Credit Bereaus to ascertain as to why it had not been done within th allotted 60 day time period they requested that I wait before checking.

PlLEASE NOTE, to date it has been over NINETY ( 90 ) DAYS since they made thid request to the credit bereaus. 
Thus, the reason for this complaint. I state that the negative reporting from XXXX XXXX  should have necer happened. simply because as acknowledged By XXXX XXXX themselves I paid this entire bill prior to the lates alleged therein.

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 2025-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
In or about XX/XX/year>, Edfinancial Services placed the account on repayment status even though my daughter was and is still attending school on a full time basis. Presently, my credit report shows that the account is over XXXX  days past due. I have called the company on numerous occasions to correct and delete the incorrect reporting with the credit bureaus as this has affected my credit history and credit score immensely and is currently preventing me from obtain a mortgage loan and they have ignored my request in violation of the Fair Credit Reporting Act. This account should have never gone into repayment status as my daughter was still enrolled in school. Attached is the record showing that my daughter was enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax you verify this account as accurate XXXX XXXX  in your investigation you should have these documents that I request enclosed in pdf. send me a copy of myself sayin you are allowed to report this account on my credit report. you Equifax are in violation of state and federal laws. please send information I requested through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue is in Direct Violation of The Fair Credit Reporting Act ( Acct # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Company : JPMorgan Chase Category : Credit card / Loan servicing / Payments / Unauthorized charges What happened? 
I have a Chase Slate Edge credit card, account ending in XXXX, and I had authorized automatic payments for the minimum due only. However, Chase withdrew the full amount owed on the account {$6900.00} without my authorization. 

This unauthorized withdrawal caused my checking account to become overdrawn, leading to multiple overdraft fees from other transactions that hit my account during that time. 

I contacted Chase immediately, and they informed me the transaction would be reversed within 3 to 5 business days. During that time, I could not make payments or cover bills. Their customer service was unhelpful and dismissive, and ultimately, my account was closed due to the negative balance and disruption. 

Shockingly, the same thing happened again, without my authorization. Chase once more drafted {$6900.00}, causing my account to go negative a second time and resulting in additional overdraft charges. 

When I asked for accountability, I was told that Chase is not responsible for any additional charges caused by their actions. I find this unacceptable. 

I am a long-time customer with more than XXXX credit cards and a car loan through Chase, and I have never had an issue until now. 

Concern about Discrimination : I strongly believe this could be a case of discriminatory treatment, as I am XXXX. The lack of respect, inadequate customer service, and repeated harm despite my efforts to resolve the situation raise serious concerns about fair treatment. 

What do you want the company to do to fix the problem? 

Reimburse the unauthorized charges Cover all overdraft and financial penalties caused by this Provide an explanation for why this occurred twice Ensure this doesnt happen again Take this case seriously as a possible example of ethnic discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1 ) sent email to request current address, phone number and email update 2 ) call myprepaidcenter.com to locate any digital card issuance 3 ) called Equifsx and reported no digital card issuance for settlement disbursed and confirmed old and updated information 4 ) Per Equifax, no resolution at this time due to address no being confirmed ; however, specifically indicated to Equifax old and current information.

5 ) hence, even though an email was sent confirming that a digital card was issued, neither myprepaidcenter nor Equifax could locate the digital card disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: OH

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX I am writing to formally dispute the inaccurate information on my credit report. The item in question is a XXXX XXXX XXXX reported as negatively impacting my credit history. This account was closed on XX/XX/XXXX, and I believe it has been reported inaccurately or should not be included on my credit report. 
Details of Disputed Account : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX The account in question is reported as having a negative impact on my credit history. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( the portion concerning dispute rights ), I am requesting that this information be verified. If the account is not accurately reflected, I request its removal from my credit report. 
I understand that under the FCRA, you are obligated to investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving this dispute. Please provide me with the results of your investigation, including any documentation or verification you obtain regarding the XXXX XXXX  account. 
If the information can not be verified or if XXXX XXXX  is unable to substantiate the accuracy of this account as it currently appears on my credit report, I request that this item be deleted or corrected accordingly. 
For your reference, I am including the following supporting documentation : 1. A copy of my government-issued ID ( for verification purposes ) 2. A copy of my recent credit report showing the disputed item 3. A utility bill [ for proof of address ] Please send me a written confirmation of the results of your investigation and any actions taken regarding this dispute. You may reach me at the contact information listed above should you require any additional information. 
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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX I am writing to formally dispute the inaccurate information on my credit report. The item in question is a XXXX XXXX XXXX reported as negatively impacting my credit history. This account was closed on XX/XX/XXXX, and I believe it has been reported inaccurately or should not be included on my credit report. 
Details of Disputed Account : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX The account in question is reported as having a negative impact on my credit history. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( the portion concerning dispute rights ), I am requesting that this information be verified. If the account is not accurately reflected, I request its removal from my credit report. 
I understand that under the FCRA, you are obligated to investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving this dispute. Please provide me with the results of your investigation, including any documentation or verification you obtain regarding the XXXX XXXX  account. 
If the information can not be verified or if XXXX XXXX  is unable to substantiate the accuracy of this account as it currently appears on my credit report, I request that this item be deleted or corrected accordingly. 
For your reference, I am including the following supporting documentation : 1. A copy of my government-issued ID ( for verification purposes ) 2. A copy of my recent credit report showing the disputed item 3. A utility bill [ for proof of address ] Please send me a written confirmation of the results of your investigation and any actions taken regarding this dispute. You may reach me at the contact information listed above should you require any additional information. 
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 non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-04-03 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: TX

Complaint narrative:
Transunion and XXXX are reporting an account on my credit report that does not belong to me. I have attached the response from the collection agency stating that they have ceased collection on this account and informed the bureaus to remove the account. XXXX has already removed this account. Delete the following unverified account from my credit report 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
Consumer complaint received 2025-04-03 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:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 date. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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

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