vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Formal Dispute Letter Regarding Violation of My Rights Under 15 U.S. Code 1608 To Whom It May Concern : I am writing to formally dispute the handling of my personal credit information by the three major credit reporting agenciesExperian, XXXX, and XXXX violation of my rights as outlined in 15 U.S. Code 1608 and related consumer protection statutes.

It has come to my attention that nonpublic personal information concerning my credit has been used, retained, and distributed without my full, informed consent. Under the protections guaranteed by federal law, including 15 U.S. Code 1608, such actions constitute a breach of my privacy and legal rights.

As a consumer, I have not granted explicit authorization for the credit bureaus to retain, process, or share my personal information in ways that expose it to misuse, errors, or unwarranted access. I believe this directly contradicts federal statutes designed to protect my financial privacy and security. 

To resolve this matter, I am demanding the following action : XXXX. The immediate deletion of all credit reports and related data maintained by Experian, XXXX, and XXXX concerning my personal credit information. 
XXXX. Written confirmation from each of the three credit bureaus verifying that my personal credit data has been deleted entirely from their systems and will no longer be used, accessed, or shared. 

Failure to resolve this matter promptly will leave me no choice but to escalate my complaint and pursue further legal remedies. I am confident the Consumer Financial Protection Bureau ( CFPB ) will hold these credit reporting agencies accountable for their obligations under federal law. 

I appreciate your prompt attention to this serious matter and expect a formal response within the legally mandated time frame. Please direct any communication regarding this dispute to me in writing at the contact information provided below. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX Let me know if youd like any additional revisions or information included!

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 2025-01-11 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:
XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Last XXXX SSN : XXXX FTC Report Number : XXXX EXPERIAN have to remove the Credit Inquiries that i never recognize on my credit report that is fraud and they have to remove it ASAP, those credit inquiries not done by me and i not apply for NONE of those CREDITORS so please REMOVE it IMMEDIATELY from my CREDIT REPORT 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions.

2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ). 

Under the FCRA, inaccurate or unverified information must be deleted from my consumer report. If you are unable to provide verifiable proof of this debt, I demand its immediate removal from all consumer reporting agencies to which you have reported 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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

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 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I put XXXX on cash appcard to pay my sce lite bill they never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with XXXX XXXX on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been XXXX since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account XXXX : XXXX To assist with your investigation, I have enclosed : XXXX. A copy of my identification ( prison ID ) XXXX. Proof of my XXXX, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that XXXX XXXX will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : [ List enclosed documents ]

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 2025-01-11 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: PA

Complaint narrative:
Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with XXXX XXXX on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been XXXX  since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account XXXX : XXXX To assist with your investigation, I have enclosed : XXXX. A copy of my identification ( prison ID ) XXXX. Proof of my XXXX, such as prison records or a letter from the facility XXXX. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that XXXX XXXX will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : [ List enclosed documents ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with XXXX XXXX on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been incarcerated since XX/XX/XXXX, and remain in custody. Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account Number : XXXX To assist with your investigation, I have enclosed : 1. A copy of my identification ( prison ID ) 2. Proof of my incarceration, such as prison records or a letter from the facility 3. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that XXXX XXXX will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : [ List enclosed documents ]

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 2025-01-11 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Experian list that the account was last active XX/XX/XXXX while XXXX list it being active in XXXX. Here is the account i am asking you to verify as accurate : Account name : XXXXXXXX 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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I paid for service to help find an apartment with two separate transaction to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$300.00} and another for {$150.00}. The person failed through to find me an apartment and block my phone number. On XX/XX/XXXX, I disputed these charge with my bank and explain to the that the person never provided the service and block me from contact them. The bank provided me with a temporary credit on XX/XX/XXXX and on XX/XX/XXXX the bank decided to reverse the credit they provided. Which mean that I paid for something that I have not received.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened a Chase business checking account and it had taken a long time to repair my consumer reports after suffering a devastating identity theft not long ago. I was very proud of getting this account and was excited to finally be a part of the Chase family. My initial deposit was a check I received from a friend but she was unaware of restriction she had on her account that caused the check to be returned. Neither I or her were aware of the restriction and thus had no control the check being returned. Since the account was under 90 days of being opened, Chase closed my account as quick as I had opened it. I plead with them to have a second chance to exchange the deposit but they refused and said I was too high risk. I think that it was completely unfair and unnecessary for them to be so harsh on me especially since it was one of my first accounts since the identity theft. They treated me as if I were a criminal even though I begged them to reconsider their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by [ Credit Reporting Agency Name ] regarding inaccurate information included in my credit report. Despite my attempts to resolve these issues directly with the credit reporting agency, the inaccuracies remain uncorrected, and I am seeking your assistance in enforcing my rights under the law. 

Details of the Dispute of Inaccurate Information : Incorrect Information on File : Name : Listed in the letter sent to the credit agency Address : Listed in the attached letter sent Phone Number : None to provide Correct Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : noting Violations of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Reasonable Procedures to Assure Accuracy The credit reporting agency has failed to ensure the maximum possible accuracy of the information on my credit file, as required under this section.

15 U.S.C. 1681i ( a ) : Dispute Resolution After I submitted a formal dispute regarding these inaccuracies, the agency did not adequately investigate or correct the errors within the mandated 30-day period.

15 U.S.C. 1681n and 1681o : Civil Liability for Noncompliance The agencys failure to address these inaccuracies constitutes either willful noncompliance or negligence under these sections. 
Actions Requested : Require the credit reporting agency to fully investigate and correct the inaccurate information on my credit report.

Hold the credit reporting agency accountable for its violations under the FCRA.

Provide me with a resolution to ensure these issues do not recur in the future.

I have attached the following documents to support my complaint : A copy of my dispute letter sent to the credit reporting agency. 
My credit report with the disputed information highlighted. 
Proof of my correct information, such as government-issued ID and proof of address. 
Thank you for your attention to this matter. Please let me know if additional information is required to facilitate the resolution of this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of dispute letter to the credit reporting agency Evidence of correspondence Highlighted copy of credit report Proof of identity and address

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 2025-01-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : XXXX. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions. 
XXXX. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt. 
XXXX. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I requested documentation regarding a charge-off on my account that has been reported on my credit report. To ensure the accuracy and to provide me with detailed proof of this charge-off, including the account number, the original balance, the date of the charge-off, and any relevant transaction 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I requested documentation regarding a charge-off on my account that has been reported on my credit report. To ensure the accuracy and to provide me with detailed proof of this charge-off, including the account number, the original balance, the date of the charge-off, and any relevant transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I requested documentation regarding a charge-off on my account that has been reported on my credit report. To ensure the accuracy and to provide me with detailed proof of this charge-off, including the account number, the original balance, the date of the charge-off, and any relevant transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The claim written is the response to my complaint is not accurate. Attached is a screenshot of my most recent credit report from XXXX. It clearly shows that whenever I have disputed this info, Comenity Bank  ( your company ) reports it as accurate. The details in the account doesnt not mention XXXX XXXX XXXX as the company reporting said info ( see YOUR STATEMENT section ). This account is not, by law, reporting correctly. As mentioned in the response, the account is not under XXXX XXXX XXXX. With all the above being factual, with proof, THE ACCOUNT SHOULD BE REMOVED FROM ALL MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: U.S. BANCORP
State: AZ

Complaint narrative:
I saw this account opened and I did not authorize it to be on my credit report

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