vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXXShowing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXX XXXX Bankruptcy- Requested method of Validation and proof of negative information or delete from report. USBK Court of XXXX Oklahoma DOES NOT report this information to any credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXX-Showing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX Bankruptcy- Requested method of Validation and proof of negative information or delete from report. USBK Court of XXXX XXXX DOES NOT report this information to any credit reporting agencies.

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 2025-01-25 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: VA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries and accounts on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries : Unauthorized Accounts and Inquiries : XXXX XXXX- This account does not belong to me ; please delete XXXX XXXXXXXX - This account does not belong to me ; please delete XXXX XXXX XXXX XXXX This account does not belong to me ; please delete XXXX XXXX XXXX XXXXXXXX- This account does not belong to me ; please delete XXXX - This account does not belong to me ; please delete XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX- This account does not belong to me ; please delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries and accounts on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries : Unauthorized Accounts and Inquiries : XXXX XXXX- This account does not belong to me ; please delete XXXX XXXXXXXX - This account does not belong to me ; please delete XXXX XXXX XXXX  XXXX This account does not belong to me ; please delete XXXX XXXX XXXX XXXXXXXX- This account does not belong to me ; please delete XXXX  - This account does not belong to me ; please delete XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX - Inquiry that I didnt authorize XXXX please delete XXXX XXXX XXXX - Inquiry that I didnt authorize XXXX please delete XXXX XXXX XXXX This account does not belong to me ; please delete

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 2025-01-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they failed to update and change this information after I submitted the documentation. 

Incorrect addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Need help. I bought a cashiers check for {$5000.00} for myself on XX/XX/year>. The bank was Chase Bank and was issued in XXXX, Arizona. 
The date on the check stipulated that it would be void after seven years. I went to the bank to deposit that cashiers check today, and the bank teller told me that I couldnt deposit the check because it was void. The teller at my bank in XXXX, XXXX told me that this cashier check was only good for three years ( IN ARIZONA ). She told me to go to XXXX to look for my unclaimed property. After many attempts, I did not find my name or address on that site. What should I do? I need that money desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to dispute the inaccurate reporting of the account listed below on my credit file. The account information is incorrect and misleading due to repeated and inaccurate charge-off entries : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/2022. 

This account has been listed as charged-off on a month-by-month basis in the payment history section of my credit report. A charge-off is a one-time event that should not be continuously reported as if it occurred multiple times. This ongoing reporting is inaccurate, misrepresents the account status, and unfairly damages my credit profile.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. By allowing this incorrect and repeated reporting, the credit bureau has failed to meet its obligations under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$5700.00} XXXXXXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-25 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish description on consumerf gov so that others can learn fro experience. The CFPB will teps to remove my ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish

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 2025-01-25 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: KS

Complaint narrative:
XXXX, Equifax, and XXXX have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX {$270.00} XXXX XXXX - {$530.00} XXXX XXXX XXXX - {$540.00} XXXX XXXX XXXX - {$680.00} XXXX XXXX XXXX - {$700.00} XXXX XXXX - {$720.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX {$510.00} XXXX XXXX {$440.00} XXXX XXXX XXXX$200.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-01-25 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 2025-01-25 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: MI

Complaint narrative:
Sent multiple letters to the company telling them I have no knowledge of ALL collection accounts on my credit file, Asked for verification and validation nothing was sent or done after said it was investigated, I was affected by the data breach and all collections listed on my credit report should not be there.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Discover referencing Dispute Number : XXXX for the amount of {$310.00}, which was posted on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: PA

Complaint narrative:
Subject : Request for Assistance Regarding Closure of My Business Account with Mercury Dear I am reaching out to request assistance regarding an issue involving my business account with Mercury. 

On XX/XX/year>, I received a wire transfer on my business account from XXXX XXXX. Shortly after, I transferred the funds from my business account to my personal account. The personal account details are as follows : Account Number : XXXX XXXX XXXX Routing Number : XXXX My business , XXXX XXXX XXXX, is 100 % owned by me. The details of the Mercury business account are as follows : Account Number : XXXX Routing Number : XXXX Business Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX A few days after making the transfer, Mercury unexpectedly closed my business account, placed all transactions on hold, and revoked my access to the account. I attempted to contact them via email to inquire about recovering my funds. However, they only refunded {$10.00} USD, which was the remaining balance on the business account, and provided no information about the {$3000.00} USD that I had transferred to my personal account.

Additionally, Mercury has blocked my access to their support channels on XXXX ( formerly XXXX ), further limiting my ability to seek resolution. Despite repeated attempts to communicate via email, phone calls, and social media, I have received no response regarding the missing funds. 

This lack of communication has caused me significant frustration and wasted valuable time. As a result, I am formally requesting compensation for the time and resources I have spent attempting to resolve this matter without a response. 

If I do not receive a resolution and recovery of my funds promptly, I will have no choice but to pursue legal action to ensure my rights are protected and my funds are recovered. 

Thank you for your time and immediate attention to this matter. Should you need any additional information or supporting documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation