vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
After reviewing my credit report, I see many inaccuracies that I need removed from my credit report immediately.

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 2025-05-12 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 have been disputing several accounts for over a year through both regular mail and online submissions. These accounts two from XXXX XXXX XXXX, one from XXXX, and one inaccurately reported late payment are all closed and paid in full. However, they are still being reported as charge-offs, which continues to negatively affect my credit report. 

Despite submitting multiple disputes to Experian and TransUnion, I have not received any response, and the inaccurate items remain on my report. I am formally requesting the removal of these accounts, as they are not reported accurately and are preventing me from qualifying for a mortgage and a vehicle loan. It has now been more than two years since I started trying to resolve this issue without success.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had 3 different charges through usps in California taking all of the money out of my account I live in Texas it was fraud I had submitted a claim and it was denied so I went to chase bank in person to speak with a banker and have someone help me talk to there claims department and he did and I submitted additional documents and it was denied I again they wont give me any information and wont help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-12 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: CA

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 explanation
Consumer complaint received 2025-05-12 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXXNo responds capitol one company XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Accounts were reported on my credit report that i have absolutely no knowledge of. I dont even know where they came from and it is illegal to report things on my credit that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Accounts were reported on my credit report that i have absolutely no knowledge of. I dont even know where they came from and it is illegal to report things on my credit that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Issue : Improper account handling, lack of transparency, and unexpected account closure related to government benefit deposits. 

Details : I am a single father with XXXX XXXX of my child. I maintained a checking account with Navy Federal Credit Union while working a low-income job. At times, I overdrew the account to cover essential living expenses like rent, but I always made sure to bring the account back into good standing through my direct deposit. 

Navy Federal issued a credit to cover the negative balance and then reversed that credit when my XXXX XXXX XXXX deposit arrived. This process was never clearly explained to me, and I was not informed that government benefits would be used to offset prior overdrafts or provisional credits. The reversal of the credit and sudden closure of my account left me with no access to banking services and created financial hardship for my household. 

When I first contacted Navy Federal on the same day the issue occurred, I was told they couldnt help me. Now, when I speak to representatives, they say they could have helped me but that I called too late. However, I called within the required time frame and was still not offered any help or explanation at the time of my initial contact. 

I am requesting : A full review of how my account and deposits were handled ; Written clarification of how my funds were used and any agreements I may have unknowingly entered into ; Removal of any negative reporting to XXXX or credit agencies related to this incident ; Reconsideration of the account closure and restoration of my account ; Return or adjustment of any funds, particularly the XXXX XXXX XXXX  deposits, that were handled improperly. 

I believe Navy Federals lack of clear communication and the inconsistent handling of my case has led to an unfair situation that has caused significant hardship for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The first reported late payment was XXXX of 2016. That is more than 9 years ago and according to the FCRA should be removed from my credit report. They keep changing the dates to keep it on my report. XXXX XXXX has also been acquired by XXXX and they refuse to remove it.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am filing this complaint against American Express and XXXX XXXX XXXX due to fraudulent sales practices, unauthorized charges, and American Expresss failure to protect me as a cardholder. 

On or around XX/XX/year>, I attended a sales presentation hosted by XXXXXXXX XXXX XXXX, where I was subjected to high-pressure sales tactics and material misrepresentations by XXXX representative, XXXX XXXX XXXX . Specifically : I was explicitly informed that my monthly payment for the timeshare would be approximately {$200.00}. However, I have been charged over {$450.00} per monthmore than double the promised amount. 

The total cost of the purchase, approximately {$22000.00}, was never fully disclosed or explained to me during the sales presentation. 

XXXX XXXX XXXX representatives opened an American Express account without my full understanding and used it to immediately finance the fraudulent timeshare transaction, essentially maxing out the account to secure the purchase. 

Despite these clear issues, American Express has continued to bill me for this fraudulent transaction without providing any meaningful assistance. My repeated attempts to dispute the charges with American Express have been met with nothing but a generic response and a copy of the contract from XXXX, which does not address the fraudulent nature of the transaction itself. 

I have made payments solely to protect my credit rating, but I should not be forced to continue paying for a purchase secured through deceit and fraud. American Expresss failure to properly investigate and protect me, despite its reputation for consumer protection, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 explanation
Consumer complaint received 2025-05-12 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I see many inaccuracies that I need removed from my credit report immediately.

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 2025-05-12 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: CL Holdings LLC
State: LA

Complaint narrative:
This inaccurate reporting is negatively impacting my credit profile, and I request an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ). If the account can not be verified as accurate, I ask that it be removed or corrected without delay. 

Please provide me with written confirmation of the resolution once your investigation is complete. For your reference, I have enclosed copies of any supporting documents ( if applicable ). 

Thank you for your prompt attention to this matter. You may contact me at the above phone number or email address with any questions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My student loans were originally with XXXX XXXX, then Navient and now XXXX. While they were with XXXX XXXX, they went delinquent. Ive attempted to get information regarding this because I believe these should have fallen off my credit report by now but they have not provided me my account activities as requested to prove that my first delinquent date was more than 7 years ago. Not only did they not provide this information, they have now reopened my accounts that were previously reported as charged off to the credit bureaus. I attempted to call XXXX to understand why and after being transferred from one dept to another I was told the first department I spoke to was the correct dept and then hung up on. Also, while my loans were at Navient, they were referred to an attorney office for collections in 2023. I sent a check to the attorney office, marked it paid in full and included all my account numbers, and they cashed it. I heard mother additional until I recently received a letter from a new law firm advising the collections of the same accounts. It is my understanding that since the other law office accepted my payment and did not attempt to reach me after they received my check that they accepted my payment for the loans and that these should be closed accounts that reflect a settlement agreement on my credit report. Every dispute I make with the credit bureau, XXXX simply responds that everything is correct on my report until this last time when they reopened my charged off closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-05-12 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: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

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 explanation
Consumer complaint received 2025-05-12 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Since my bankruptcy has been XXXX, I have been making my monthly payments on time. Selene XXXX do not apply those payments on my account, but leave them in an " unapplied funds '' every month. As of today, the system is showing " payment was due on XX/XX/year> ( 72 days past due ) '' and is reporting such on my credit file. I have contacted them every month, when making my mortgage payment, to be told the same thing " you are 3 months behind .. Oh yes .. let me put a ticket to have those funds applied to your account .. it should resolved the next month ''. Today, I was told, again, that I am 3 months behind, even though I have made all of my mortgage payments on time. ( see below payment history ). It is frustrating for someone how is trying to start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-12 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: IL

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this 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 non-monetary relief
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards and car loans that i didnt give anyone permission or authorization to open. 
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 2025-05-12 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards and car loans that i didnt give anyone permission or authorization to open. 
XXXX

Company response to consumer: Closed with non-monetary relief