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

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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

Complaint narrative:
Experian has reported multiple derogatory tradelines including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate, outdated, and were never properly validated. I formally disputed these accounts, but Experian failed to reasonably investigate or correct them. In many cases, the reporting includes inconsistent or misleading information ( e.g., " charged off '' and " closed '' with a {$0.00} balance ), which violates industry XXXX XXXX guidelines. These accounts have caused severe damage to my credit profile, resulting in housing, credit, and job denials. The continued reporting after dispute is a direct violation of the Fair Credit Reporting Act ( FCRA ), and the harm is ongoing where I live in Massachusetts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report and noticed unauthorized hard inquiries. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$19000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$240.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance : {$1200.00} Open Date XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$1100.00} Open Date XX/XX/XXXX XXXX Balance : {$500.00} Open Date XX/XX/XXXX XXXX Balance : {$470.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  Date XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

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

Complaint narrative:
Experian is inaccurately reporting a late payment for XXXX XXXX XXXX XXXX Account No. XXXX ), even though the current past due amount is {$0.00}. This inconsistency between the derogatory notation and the {$0.00} past due figure demonstrates a failure to verify or update information according to federal guidelines. Per 15 USC 1666b, consumers are afforded protections in the timely application of payments, and this type of contradictory data implies negligence on the part of the bureau in monitoring and correcting outdated entries. It is unacceptable for a credit bureau to retain derogatory marks for accounts that show no current delinquency. This kind of error is indicative of inaccurate data reporting, potentially caused by internal mishandling or a data breach affecting account history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They are denying my fraud claim after providing evidence refuting their reasons for the initial denial. They are not providing supporting information into what led to their decision. They are in violation of consumer rights as I have had a fraudulent transaction for loan XXXX for XXXX. I would like to request a fraud block be added for this trade line. I have enclosed an ID theft report. XXXX is not working in good faith or providing supporting information even after my valid rebuttal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Since 2021, my two mortgages have been transferred several times to different servicers. With each transfer, my monthly payments have increased significantly. I believe there may be errors in escrow calculations or unfair increases. I am requesting an investigation and a correction of any errors. 

It has been impossible to contact the new Bank, which is Mr. Cooper, to request more explanation about the last increase. They have a completely automatized costumer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for the Chase XXXX credit card on XX/XX/XXXX while purchasing a flight on XXXX XXXX website. I had seen a promotional new cardmember offer on XXXX public website offering XXXX miles after spending {$3000.00} in the first XXXX months, and that is what I expected to receive. 

When I accessed the credit card offer through XXXX XXXX site, I was directed to a unique landing page hosted on Chases website with a button prompting me to apply for the card. I did not manually enter any referral or promotional code, but was later told by a Chase representative that a specific code was applied, linking my application to a different, lower offer of XXXX points after spending {$3000.00} in the first XXXX months. This lower offer is what now appears in my account. This same representative also explained that the offer I received was different because I applied through the airlines website rather than directly through Chase, despite the application still being on Chases website regardless.

At no point during the application process was it clearly stated that the offer would differ from the one advertised on Chases website. The same publicly advertised offer is still visible to new cardmembers today ( https : XXXX ). Chase has refused to honor the higher offer, despite the lack of any clear disclosure or documentation indicating I was agreeing to a different promotion. 

I reviewed my application confirmation and account materials and could not find any mention of a bonus offer. I also can not retrieve the exact landing page I applied through, as the URL was automatically generated with a series of random characters at the end of the URL path and can not be reproduced. 

On XX/XX/XXXX, the Chase representative I spoke to said they would escalate the issue to their marketing department and that I should expect a letter explaining the outcome. I have not received any confirmation that this request was sent or is being processed. 

I have included several documents to support my complaint : a series of screenshots of the application process from XXXX XXXX 's website ( as recreated by me on XX/XX/XXXX ), an archived version of Chase 's public offer page at the time of application, and the Pricing and Terms PDF that was shown on the application form.

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( 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.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I used PayPal to purchase a service from a company ( XXXX ), but the service was completely unusabletheir website did not function, and I was unable to log in or access anything I paid for. I contacted the company multiple times requesting support and a refund, but they were unresponsive and gave me the runaround for weeks.

I filed a dispute through PayPal, but they sided with the merchant, claiming the service was " not significantly different than described, '' despite the fact that I could not use it at all. I reopened the dispute with additional information, but again, PayPal ruled in favor of the merchant. During this process, the merchant provided false contact information ( a disconnected phone number and a bounced email address ), which violates PayPals terms of serviceyet PayPal still took their side. 

PayPal refused to help me recover my money, and I ultimately had to rely on my bank to issue a refund ( which they promptly did, since this was a CLEAR scam ). I believe PayPal failed to uphold its advertised Buyer Protection and ignored clear signs of fraud. Their decision to support a non-functioning service from a deceptive merchant appears to prioritize profits over consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I am not responsible for this debt, nor do I have a contract with XXXX XXXX Account # XXXX. Could you please request that they provide the original contract bearing my signature, along with the correct home address as shown in the uploaded documents, that clearly states that I have agreed to pay them or owe them any money. If they can not provide proof of original contract I demand correction to my credit report and the account to be deleted from my credit report. I also include the account with reliant where i owe then any money and the balance of that account being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\n\nI am writing to formally dispute and request the correction of the following inaccurate or unverifiable items on my credit reporXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nThese accounts do not belong to me. Please provide documentation detailing how this item was verified.\n\nPer the Fair Credit Reporting Act (15 U.S.C.  1681i), I request a full reinvestigation of the items listed above. Any item must be removed from my credit file if it cannot be verified. This reinvestigation must be completed within 30 days of your receipt of this letter.\n\nAdditionally, please send me a free, updated copy of my credit report reflecting the results of your investigation, and notify any parties who have received my report in the past six months of any corrections made.\n\nThank you for your prompt attention to this matter.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THATS WAS REPORTING INACCURATELY. I HAD LATE PAYMENTS ON AN ACCOUNT THAT I WAS IN FACT PAID ON TIME. IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX, ACCOUNT XXXX * * * * HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHITCH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIOS. 15 USC 1681 SECTION 607b ACCURACY OF REPORT. WHEN EVER 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. NOW THAT MY RIGHTS ARE CONTINUALLY BEING VIOLATED IM ASKING FOR A FULL REINVESTIGATION PROVIDING ME WITH THE COMPLETE STEP BY STEP METHOD OF VERIFICATION WHICH IS REQUIRED BY LAW, UPON MY REQUEST

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

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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