vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I am writing to formally dispute a number of credit inquiries that appear on my credit report, which I do not recognize and did not authorize. These inquiries are concerning as I believe they may be the result of reporting errors. Or unauthorized use kindly request that this issue be investigated promptly and appropriate action be taken to correct any inaccuracies on my credit file. Please let me know if further information or documentation is required. 


The following hard inquiries are unfamiliar to me and were not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX of XXXX GLOBAL LENDING SERVICES LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX of inquiry XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX of inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : [ XXXX ] As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by XX/XX/year>, I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have been locked out of my account since XXXX. I called the number, reached account security, and followed the requested steps. A copy of the front and back of my drivers license, a copy of my social security card front and back, and a copy of a current utility bill. I've sent them in and followed up. I have resent them all when they said that my drivers license wasn't clear. I submitted XXXX complains to CFPB each closing without me gaining access to my account. 
The third time I resent my documents, they informed me that my social security card was missing. I've rescanned and resent each group of documents. 
XXXX from the president 's secretaries office only called me once and has not returned any calls. During that call, I was told any late fees or credit remarks would be removed. This was in XXXX, this problem is now almost XXXX months old. 
Today I have called again to check the status of my account. I have a balance. 
I have now been told that my documents do not match, even though each time is was XXXX or the other and I have to send them in again. I do not understand how I can send in these documents any other way when each time, only XXXX was " not clear enough ''. She couldn't give me any details on how to send them besides having a machine at a copy center do it. 
I've been receiving daily calls from the payment sector and when I start the conversation about my account being locked and they try to look into it, the call is disconnected every single time. There are no call backs. 
XXXX person I spoked to in the security sector informed me to mail in payments. A check with my name on it, an address, the same bank information I have been using to make payments. Is any check acceptable? There isn't any security levels that need to be satisfied to make a payment but there is an endless loop I am trapped in where I can not even see my account, an account I have had for over XXXX years. This is my third complaint. I even tried to use to fax number in the response letter which was a dead end. I am out of trys.

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 2025-06-20 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:
I am the victim of identity theft and submitted a formal dispute to Equifax under FCRA Section 605B on XX/XX/year>, along with a valid FTC Identity Theft Report, proof of ID, and proof of address. 

I requested that Equifax remove the following fraudulent accounts : XXXX XXXX  ( multiple 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 These accounts do not belong to me, and I have already suffered financial damage and emotional stress due to their continued presence on my credit report. 

Equifax has failed to respond within the required timeframe. Under Section 605B of the Fair Credit Reporting Act, Equifax was required to block these fraudulent items within 4 business days of receiving my documentation. No removal has occurred, and no response has been issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing this complaint regarding an egregious and unfair practice by JPMorgan Chase Bank , N.A . ( " Chase '' ) that has caused significant financial harm.

Chase permanently closed our credit card account on XX/XX/year>. Following the closure, I paid the full balance on the account on XX/XX/year>, with the understanding that the account was settled and no further charges would accrue. However, without any access to online banking ( since the account was closed ), and without adequate notification, Chase continued to add interest and late fees on the closed account for over eight months. We only became aware of this when we were in the process of applying for a home mortgage and discovered that Chase had reported a delinquent balance on my credit report. The branch showed me all the charges on their system when we went to the branch and tried to get this resolved. We contacted Chase customer service, but the representatives were unhelpful. Despite our explanation and documentation of the full payment made in XX/XX/year>, they refused to acknowledge any fault or reverse the charges. They insisted that I must pay the accumulated interest and feeson a closed, fully paid accountbefore the item could be removed from my credit report. I had no choice but to pay this amount in order to mitigate further damage to my credit.

This seems extremely unfair. I paid off the card, the account was closed, and I was never told that more charges would keep coming. It feels like Chase took advantage of the situation and hurt my credit in the process without proper communication with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: UT

Complaint narrative:
I have a checking and savings account with Huntington Bank. On Wednesday ( XX/XX/XXXX ) I attempted an online purchase with my debit card. My card got suspended and they required me to call Fraud Prevention to unsuspend it.

I contacted them and they started giving me a runaround. After providing them with all the information required, they still would not help me out. I was assured by one of the representatives that even if my card is still suspended, I can make XXXX transfers. 

I tried doing one, as I need urgent access to my funds, hence why I tried transferring my money to my girlfriend, via XXXX. 

Now my entire online banking is locked and the bank would not help me out in unlocking it even when I can provide them with all the information they may require.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-20 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: NJ

Complaint narrative:
This is a formal dispute under my rights as a consumer, invoking the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Metro 2 Data Reporting Standard. You are reporting derogatory and delinquent information on my credit file without fully verified, factual, and legally sufficient documentation.

The following accounts and personal information are being challenged : Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Challenged Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your current reporting lacks proper verification and full compliance with federal law, including but not limited to : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information in a reasonable time frame.

15 U.S.C. 1681b : Lack of permissible purpose for furnishing inaccurate or unverifiable data.

15 U.S.C. 1681s-2 ( b ) : Duty to verify, correct, or delete inaccurate information once notified by the consumer.

Furthermore, the Metro 2 reporting standards require that data fields be properly coded, substantiated, and fully documented for lawful reporting. You have failed to comply with these requirements.

You are hereby instructed to : Provide full, verifiable, documented proof of the existence, ownership, and legal reporting rights of the above accounts, including my written consent, original signed contracts, chain of custody, and complete payment history.

If you can not fully verify and validate this information, you are required to DELETE these accounts from my credit report immediately.

Mail me physical documentation detailing your investigation, the evidence you relied upon, and the updated results of my credit report.

Failure to comply will leave me no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and legal counsel for full enforcement of my rights, including monetary damages.

Your immediate attention is required. You have 30 days to fully comply with this dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I was a XXXX  of XXXX  XXXX. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year> 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Dup

licate Reporting : Both the OC and debt collector are reporting the same debt, but as separate items, which can double the negative impact.

Confusing Classification : When a collector places their tradeline under " closed accounts '' with a balance, it looks like another primary account, not a collection this misleads lenders and damages your score. 

Legal Violation Risk : Under the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau ( CFPB ), the reporting must be : Accurate Non-duplicative Not misleading to the consumer or lenders Portfolio Recovery and the OC 's are in violation please update

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I submitted a dispute certified. Notarized- it was received on XX/XX/year>. They tell me they cant have results till XXXXthat is more than 30 days

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for a free account with Experian, the credit monitoring company. They have enrolled me a monthly paid {$24.00} service. I disputed the charge using their online form and they sent me an automated email that I need to call them. When I called them, I had to provide my account number , street number, and zip code to an automated message. That message claims they couldn't verify me. Multiple attempts to be connected to a Specialist were denied. Their automated system hung up on me.

I did not order this service. I have cancelled the future monthly payments but need to have the current charge reversed. They are making it impossible to speak with anyone to resolve the issue.

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 2025-06-20 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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