vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
I have 4 bankruptcies shown on my credit XXXX  Credit report under the Public Records section. XXXX  obtained from this incorrect information from local, state and federal courts through a third party vendor, XXXX. These four bankruptcies are reported incorrectly and should not be shown on my credit report : as I voluntarily dismissed and have been paying down thee debt and of their was actually XXXX official bankruptcy as follows : XXXX. XXXX ID # XXXX XXXX This was my original bankruptcy filed by my attorney 's office. My attorney 's was supposed to file a updated Wage Earner Plan and failed to do so or pay the court fee to file and the case was dismissed by the judge. As this was not my fault, I am not liable for the errors of my attorney with the courts and this should not be reported on my credit file as it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to the judges dismissal of my original Case ID # XXXX due to the my attorney neglect, my attorney 's office had to re-file my bankruptcy case, therefore, this is not a new case but duplicate of my original case. 

XXXX. XXXX ID # XXXX filed XX/XX/XXXX - XXXX on - This bankrupty was dismissed by the judge at court after the second hearing because my attorney failed to appear in court nor send anyone on their behalf to represent me, therefore, the judge dismissed the case. I met another attorney at this court date date that offered to represent my through his lawfirm. 

XXXX. XXXX ID # XXXX filed on XX/XX/XXXX - dismissed on XX/XX/XXXX - XXXX to the majority of available attorneys quiting at my first attorney 's office, he forwarded my case file to a new attorney to represent me. This attorney filed the case, we did a Wage Earner Plan for payments to my identified creditors. I began making payments through my Trustee, however, after 6 months or so, the courts increase my payment amounts and I could not afford the monthly payment increase amount so I voluntarily instructed my attorney to just have the case dismissed and I would make arrangements to payoff my debt without the assistance of the courts.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perpay, Inc.
State: FL

Complaint narrative:
Account Perpay, I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not, please delete Perpay account as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX, I received a text message from National Enterprise Systems ( NES ) saying I had been subscribed to their debt notification service. Then on XXXX XXXX XXXX I received another text about a XXXX XXXXXXXX account for someone named XXXX XXXX XXXX. 

I am not XXXX XXXX XXXX and have no relationship to the alleged debt. I did not authorize these messages and never gave consent to be contacted by NES. The texts appear to have been sent by an automated system. 

These contacts violate the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ), as I was not the intended party and did not opt in. I am requesting permanent removal of my number and compensation for these unauthorized messages.

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 2025-07-01 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: MI

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB XXXX, I am submitting this formal complaint and Metro 2 dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. This complaint is against the following furnishers for unlawful and damaging reporting practices : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Violations Identified XXXX. XXXX XXXX XXXX Narrative Code XXXX Violation : The account remains reported as a collection despite being marked as in dispute, which is noncompliant with Metro 2 rules that require suppression of derogatory reporting during reinvestigation. 

FCRA 609 ( a ) ( 1 ) Violation : XXXX has failed to provide verification or original documentation of the alleged debt, violating my right to request and receive full validation. 

FCRA 623 ( a ) ( 5 ) Violation : As a third-party debt buyer, XXXX has XXXX to accurately report account ownership and status. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate Reporting Violation : Both entities are reporting the same underlying debt under separate accounts. This misleads creditors and inflates my debt profile. 

FCRA 607 ( b ) Violation : Furnishers are obligated to report with maximum possible accuracy. Listing the same debt under two creditors is materially inaccurate and unjust.

Harm and Damages As a result of these violations : I have been denied credit for home refinancing and vehicle leasing.

I have suffered a measurable drop in my credit score.

This has caused emotional distress and reputational harm during a period when I was still recovering from the Equifax data breach. 

Requested Action I request the CFPB to conduct a thorough investigation and enforce compliance. I demand : Immediate and permanent deletion of the XXXX XXXX XXXX account. 

Removal of either the XXXX XXXX or XXXX XXXX XXXX listing to eliminate the duplicate debt entry. 

Written confirmation of all corrective actions and updated credit bureau records.

If unresolved within 15 days, I will proceed with further legal action under FCRA 616 and 617, as well as file complaints with the FTC, Michigan Attorney General, and other relevant authorities.

Please find attached copies of my credit reports and prior dispute letters for reference. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Attachments : Credit Reports Previous Dispute 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 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
Mohela has suddenly dropped a huge debt on my credit report after refusing to submit the requested debt validation documentation. My credit score has plummeted to poor. I have never obtained a loan from this collector. I sent a certified letter to Mohela as well as XXXX XXXX XXXX, and upon tracking, it shows they received it. The loans total over {$30000.00}. I received an email from some unknown source representing with the XXXX XXXX XXXX Department. This is not the first time we've tried to reach you. Your case has been flagged as TIME-SENSITIVE, and we've exhausted our attempts to notify you. Our records indicate that you may be eligible for XXXX XXXX XXXX under the new 2025 guidelines. We attempted to reach you at home, but no response was received. If we do not hear back from you within 24 hours, your eligibility may be permanently forfeited. Final Warning : This case is set to close, and we can not hold your file open any longer. Please call me on Monday at : ( XXXX ) XXXX, to confirm your eligibility before your file is closed. If you do not act, the system will assume you have chosen to decline your benefits and will remove your eligibility status. Thank You -RS but they have refused to send me the requested debit validation documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issue : Problem with a deposit Company : JPMorgan Chase On XX/XX/year>, between XXXX XXXX  and XXXX XXXX, I attempted to deposit approximately {$1500.00} in cash and 4 checks at the Chase ATM located at XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX ( the machine inside the bank, furthest to the back on the first floor ). 

I first inserted 4 checks, then inserted about half the cash ( mostly $ XXXX, with some $ XXXX, $ XXXX, $ XXXX, and $ XXXX ), then inserted the remaining cash. The ATM suddenly returned all 4 checks, displayed a message asking me to remove my card, did not return the cash, did not complete the deposit, did not print a receipt, and left no transaction record. 

I immediately spoke to the banks security guard, who instructed me to call customer service. As my English is limited ( I study at XXXX XXXX XXXX XXXX nearby ), my English teacher happened to be there and helped me make the call. 

The customer service agent submitted a claim and told me I would receive a provisional credit within 10 business days. A few days later, I did receive the {$1500.00} provisional credit. However, on XX/XX/XXXX, that amount was withdrawn from my account again. 

I called Chase again on XX/XX/XXXX and spoke with a representative named XXXX XXXX from the claims department. He told me the investigation concluded that there was no record of the deposit, so the claim was denied. I strongly disagreed and requested that they review the ATM surveillance footage and internal cash balance to confirm whether the cash was accepted. 

He said the case would be reopened and reinvestigated, but as of XX/XX/XXXX, I have not received any update, decision, or confirmation from Chase. 

I am now very worried that the ATM surveillance footage may soon be automatically deleted, and if that happens, I will lose my only chance to prove that I deposited {$1500.00} in cash. I have no receipt or physical evidence because the machine malfunctioned. This was not a normal failed transaction this was a technical failure on the banks part, and I am facing a serious financial loss. 

I am requesting CFPB assistance to : 1. Ensure Chase fully investigates this incident ; 2. Preserve and review the ATM surveillance footage from XX/XX/XXXX ; 3. Reconcile the ATM cash records from that day ; 4. Restore the missing {$1500.00} to my account ; 5. Ensure that Chase follows Regulation E and provides timely and fair resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within XXXX XXXX of receiving this request, as required by 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 2025-07-01 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 am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
This company, Tower Loans, which I have an installment loan with decided to harass my family and friends when my loan was barely late they had heard from me a couple of days ago and there was only one call they made to me which I did not take due to being in a meeting at work this Monday. A few hours after this one call which these XXXX  didnt reach me they began calling my family and friends telling all of my personal business. This is a clear violation of The Fair Debt Collection Practices Act.

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 2025-07-01 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 am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by 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 2025-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Okay so Friday XXXX XXXX XXXX I tried logging into my Capital One Bank Account and couldnt. So I went about my day ( work ) and I got call from the bank but, couldnt answer it so I called back when I was off. I then found out that Capital One terminated my banking relationship because of an savings account opened that I had no knowledge of or one I wouldnt have opened because I already had a teen money that I had since I was XXXX. They kept asking me what was my last deposit amount and I told them {$280.00} dollars from my direct deposit from my job. They kept telling me it was incorrect and thats because they were talking about the account I had no knowledge of. I didnt find out the amount of what was deposited into that savings account until I called back with my mom and gave her permission to talk to the rep which stated in a nasty tone that it was me that deposited a check for {$4200.00} with my name on it. And yes my mom went off but we kept calling back because I needed proof of a check and I wanted answers on how could Capital One let something like this happen. What happened to calling the customer. Sunday night I went in and did research and went into my email where I found that someone tried depositing into my checking account first and when that didnt work they proceeded to open the savings account. I called back Monday and the guy basically told me that they saw that it was done online but it was logged on in another location which must have not been Texas but I was still at fault for the account being opened. I say all this to say that I truly didnt open this account or had no knowledge of someone tampering with my account or opening account. Once I get paid in that checking account I opened I would transfer the money to my teen money account so again I had no need for another account or to jeopardize my banking relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by 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 non-monetary relief