vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: WA

Complaint narrative:
XXXX XXXX  - XXXX XXXX XXXX - XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials. 
2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-28 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: FL

Complaint narrative:
This is my initial request to inform you that I am a victim of XXXX XXXX  and am disputing specific records in my document that resulted from this crime. The records in question are not related to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX  XXXX Balance Owed : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00}

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 2025-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This account is inaccurately and inconsistently reported on my credit file, including a status of voluntarily surrendered and a past due balance of {$10000.00} as of XX/XX/year>. However, after analyzing the tradeline, it appears XXXX XXXX has failed to report accurate, complete, and verifiable field-level data in accordance with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied and got approved for an XXXX credit card ending in XXXX from Chase. The promotion and the reason I applied for was XXXX points. I have spent more than XXXX $ during the first 3 months of opening the account. 

I have called chase more than 6 times to check on the bonus. Until XX/XX/XXXX, they kept telling me I qualified, and the bonus points should soon be arriving at my XXXX account. They said it takes 4-6 weeks to show up. 

In some of the calls the chase representatives said that the XXXX points were reverted because of a cancelled transaction, and I will get them after I spend more. On XX/XX/XXXX to meet the XXXX $ requirements, I spent more on credit card. After several months and me calling they opened an investigation. 

The results of investigation were very disappointing. They now changed the story that the points were already transferred to XXXX. Now they appeared to have erased the history of reverting the points and showing the Oct statement that they send the points. 

XXXX has confirmed they have not received the points, and I can see the balance on both sides including chase, shows only XXXX points. These points are from purchases and from flights taken on XXXX. There has been no redemption, and this is proof enough that XXXX points never made it out of chase. 

. They have not made any attempt to work with XXXX to fix the technical issue that has missed sending the new member bonus points. They are showing me the statement now from XXXX that says points sent, but the core issue still remains. 

Chase representative transferred me to a supervisor called XXXX on XX/XX/XXXX, who not only refused to help me but started gaslighting me. During my last call chase were outrightly dishonest and tried to gaslight me to say I somehow have received it and started questioning XXXX points. She also challenged me to go to court. She refused to even provide any answer and said she was the highest authority. There was not only any attempt to solve the issue, but they were outright dishonest and condescending. 

I have been left with no choice now to approach CFPB for help before approaching the district attorney 's office for fraud. Chase appears to be intentionally defrauding customers by enticing them to apply and then reverting the points internally in their system, hoping customers won't notice. This sets a bad precedence that a company can do a bait and switch and get away with it having no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: SC

Complaint narrative:
Data Breach Notification Form Subject : Notification of Information Exposure Due to Data Breach To Whom It May Concern, I am writing to inform you that my personal information may have been exposed due to a recent data breach. Please find the details below : 1. Personal Information Exposed : Full Name : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Email Address : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX, XXXX. 
Phone Number : XXXX, XXXX, XXXX and XXXX. 
Mailing Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Other Details : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX {$88.00}, XXXX, and XXXX. 
2. Description of the Incident : Date of the Breach : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Nature of the Breach : Unauthorized access, hacking, etc. ] Affected Organization : XXXX and XXXX XXXX . Contact Information : Email Address : XXXX Phone Number : XXXX Please treat this matter with urgency. I would appreciate a prompt response to ensure my information is secure.

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 2025-03-28 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-28 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: OH

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MD

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 explanation
Consumer complaint received 2025-03-28 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:
Account opened with XXXX XXXX on XX/XX/year> XXXX inquiries. 
XXXX. XXXX XXXX inquired in XX/XX/XXXX. 2024 XXXX. XXXX XXXXXXXX XXXX inquired in XXXX XXXX XXXX. XXXXXXXX XXXX XXXX inquired in XXXX XXXX XXXX. XXXX XXXX XXXX inquired in 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 2025-03-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-03-28 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 was a victim of identity theft and all of my information was leak from Experian. I disputed the accounts and Experian did not investigate any of the matters and fraudulently put the accounts on my credit report after 95 % of the accounts were removed by the other credit companys these same accounts have not been removed from Experian and these companies have already verified that the accounts should not show on any report from any agency but Experian refuses to remove them. They have not conducted any proper investigation into verification of any account which has damage my credit score and cause damages to my life.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
More than a dozen times I have tried to access my credit to place a freeze on it with the bureau Equifax. Each attempt they say I already have an account ( I dont ) and when I try to recover it they say We are temporarily unable to complete this request. Please try again later. Yet it has never worked. I have made 15+ attempts and they have refused to respond to my requests for assistance. The last attempt I made was on XX/XX/year>. When I call for support, they transfer me around and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
Experian dispute process is too fast to have done a thorough investigation. The disputes took maybe less than 2 weeks.

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 2025-03-28 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: Lendmark Financial Services
State: AL

Complaint narrative:
Account is to old.we bought the car no knowledge the car had been recked 3-4 times so couldn't trade are sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
Subject : FCRA Violation Experian and Equifax refused to remove unverifiable debt despite proof Complaint : On [ date you mailed dispute ], I sent Experian and Equifax a certified dispute letter, challenging an inaccurate charge-off from [ XXXX XXXX ] on my credit report ( Account # XXXX ). I provided clear documentation showing that XXXX had already investigated and removed this charge-off, proving it to be inaccurate or unverifiable. 

Experian opened my dispute but responded claiming the information was verified, yet they provided no proof or documentation of how they verified it. This directly violates my rights under the Fair Credit Reporting Act ( FCRA 1681i ), which requires credit bureaus to verify disputed information thoroughly and accurately. 

Since XXXX previously determined this charge-off was unverifiable and removed it, Experian must either provide documented proof of verification ( original signed contract, full payment history, and account accuracy ) or immediately delete this inaccurate item from my credit report. 

I request the CFPB immediately compel Experian to provide proof of verification or to delete this unverifiable and inaccurate account.

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 2025-03-28 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is La XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2025-03-28 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: LA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 U.S c 1681 S 2 A, furnitures must report accurate information under 15 U.S C 1681 I the credit bureaus must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-03-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Company has no records of me owing money to them but are report a false balance on my credit report.

Company response to consumer: Closed with non-monetary relief