vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: NC

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 non-monetary relief
Consumer complaint received 2025-03-30 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: TX

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 2025-03-30 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: TX

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, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I used my Bank of America XXXX XXXX XXXX XXXX card ending in XXXX to XXXX XXXX XXXX from XXXX to XXXX for XXXX XXXX XXXX XXXXXXXX child ( XXXX XXXX and XXXX XXXX XXXX on XX/XX/year>, using XXXX premium rewards points ( Air Order ID : XXXX ). Official complaint number registered with Bank of America is XXXX Due to a national emergency declared by the president of XXXX, I was unable to travel to XXXX and therefore could not take the connecting flight to XXXX. All my other bookings including international flights and hotel reservations were successfully refunded by their respective providers due to this exceptional situation. 

However, Bank of Americas travel desk struggled to assist with the refund or modification, despite me calling XXXX to XXXX times. XXXX XXXX directed me to the Bank of America travel desk, but Bank of America never facilitated that communication and kept citing the need for a waiver ID from XXXX, which they never obtained. Everytime, they tried to give different resolutions just to delay the processs This experience was frustrating and unprofessional, especially during a government-declared emergency. I am requesting a full refund or reinstatement of the XXXX points used for this booking.

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 2025-03-30 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall XXXX ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account 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 2025-03-30 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:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a Credit Card opened at XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX, a Credit Card opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a Fraudulent Mobile Phone Account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, a Fraudulent Personal Loan opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and a Fraudulent Rental of an Apartment at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX. All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-30 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: FL

Complaint narrative:
I sent a certified letter disputing several addresses, phone numbers, inquiries, disputing unauthorized and inaccurate credit accounts. This was XXXX XXXX, I request the company abide by statues and laws put forth and investigate and remove these inaccuracies. Im providing a copy of certified letter. And tracking number

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 2025-03-30 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: IN

Complaint narrative:
I am disputing the information outlined in this FTC complaint as it appears on my credit profile. I request validation of the debt to confirm that it is indeed my ( XXXX XXXX ) responsibility. If the debt can not be properly validated, I ask that it be removed from my credit profile. Please note that verification does not constitute validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IN

Complaint narrative:
I am disputing the information outlined in this FTC complaint as it appears on my credit profile. I request validation of the debt to confirm that it is indeed my ( XXXX XXXX ) responsibility. If the debt can not be properly validated, I ask that it be removed from my credit profile. Please note that verification does not constitute validation.

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 2025-03-30 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-03-30 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: DE

Complaint narrative:
This is the second time I am making a complaint about XXXX  XXXX and this issue. I have made my credit card payment on time. I just recently found out online looking at my Experian account and my XXXX XXXX account that XXXX XXXX had reported my payments as being late when they were clearly paid for.

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 2025-03-30 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: VA

Complaint narrative:
I have a XXXX  XXXX account And a XXXX XXXX account that were open in my business name And I can show you where on a credit report my information was leaked in a date of breach in XX/XX/year> Company With the name of XXXX  and my information was sold XXXX different brokers previously Also to companies like XXXX, XXXX XXXX XXXX and And some other companies Ive never heard of before. I would like all the wrong information about the account removed from my report. I also have I another report in about high utilization on my existing report. Also that I will be putting on here about a XXXX XXXX account and a XXXX account. do the transactions on my credit card from XXXX XXXX and my debit card from XXXX XXXX identity theft is put a damper on my life and I can not function properly or pay back any of my bills because it is taking more than {$200000.00} out of my bank account and has been used Like only fans and XXXX XXXX XXXX XXXX and other servicesu like that.

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 2025-03-30 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:
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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX - XXXX -XXXX  - XXXX XXXX & XXXX - XXXX -XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
Sent modified funds ( money orders ) to village capital payment address on XX/XX/XXXX. It was delivered XX/XX/XXXX and they have not processed the payment which will cause the payment to be XXXX days late. They have already lied to me about if deferment programs were available or not causing the first money order to be delivered after the XXXX  days past due date. So now another payment could be posted as a missing payment to the credit bureaus even though they payment was made mid month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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 2025-03-30 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: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
Dear FCFTC, I hope this message finds you well. I am writing to inform you that I have contacted the bureau regarding a data breach in which my personal information was compromised. Upon reviewing my report, I discovered that fraudulent information has been reported under my name. 

I have made multiple attempts to resolve this issue, including writing letters and making phone calls to the bureau. Despite these efforts, they continue to insist that the information is accurate, when in fact it is not mine. I wanted to make the XXXX aware of this situation and the steps I have taken to resolve the matter. 

Please let me know if you require any additional information. 

Thank you for your attention to this issue. 

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital XXXX XXXX XXXX XXXX MN XXXX Re : Request for verification of License Id number Account XXXX To Whom it may concern I am writing to follow up on my previous request for Verification of your license id number in connection with the debt allegedly owed to your company. 
Despite my previous inquiry, I have yet to receive the requested verification from Jefferson Capital. Instead, I received a letter from XXXX XXXX XXXX XXXX stating that the debt has been transferred to them for collections. While I understand that debts may be assigned to collection agencies, I had specifically requested verification of the license ID number related to this account from Jefferson Capital as required by law before any further steps are taken. 

I kindly ask that you provide the following : 1. Verification of the license ID number as it pertains to this debt, as I have not received this critical piece of information from your company.

2. A copy of the original debt documentation showing my responsibility for this debt along with proof that Jefferson Capital holds the legal right to collect the debt. 

Until I receive the requested verification, I respectfully request that you halt any further communication or collection efforts regarding this matter, including any actions taken by XXXX XXXX XXXX XXXXXXXX until proper verification is provided. 

Please send all requested information to my address above. I thank you for your prompt attention to this matter and I look forward to your immediate response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
I submitted four rounds of dispute letters to the credit reporting agencies and creditors ( listed below ). The credit report agencies have not provided any evidence that substantiates the negative items, inaccuracies and inconsistencies currently listed on my credit reports. However, the credit reporting agencies have not deleted the disputed items. 

XX/XX/XXXX - Round 1 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 2 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 3 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 4 dispute sent to TransUnion, Experian and Equifax. 

The disputes requested debt validation, proof of original debt statement from creditor, deletions of inaccuracies and inconsistencies between all the reporting agency credit reports. 

The collections agencies in question are as follows : 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
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
I submitted four rounds of dispute letters to the credit reporting agencies and creditors ( listed below ). The credit report agencies have not provided any evidence that substantiates the negative items, inaccuracies and inconsistencies currently listed on my credit reports. However, the credit reporting agencies have not deleted the disputed items. 

XX/XX/XXXX - Round 1 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 2 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 3 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 4 dispute sent to TransUnion, Experian and Equifax. 

The disputes requested debt validation, proof of original debt statement from creditor, deletions of inaccuracies and inconsistencies between all the reporting agency credit reports. 

The collections agencies in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief