vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-31 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I opened a business account with Amex earlier in the year with the illusions of formalizing my music business and using the cards XXXX XXXX jntro offer to make critical capital investments to my business. They are the only credit card I have worked with that voids your XXXX XXXX permanently even if there is one late payment. Which means if you leveraged yourself with your business, set up your autopay incorrectly and are late, you will be subject to interest payments on your credit card as the XXXX XXXX offer is void permanently after one late payment, leaving small business owners scrambling to pay or staying on the hook for interest payments they were not prepared to make. It is predatory and should not be allowed. Furthermore, card terms are not readily available on the application, I had to speak with customer service to view my card terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXXXXXX 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 - Incorrect Personal XXXX AIRPORT - Incorrect Personal ELIXER - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - XXXX Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally contest the abrupt deactivation of my Square account. I have fully verified my identity, completed all required questionnaires, and provided transparent information about my business, yet Square has chosen to deactivate my account without providing a clear or justified reason. 

I am a small business owner operating a boutique that sells a variety of clothing and designer items. On XX/XX/year>, I completed two legitimate transactionsone for {$100.00} and another for {$400.00}. These sales were for goods delivered to my customers, yet the associated funds are not appearing in my account balance. Instead, Square has arbitrarily decided to falsely deactivate my account and hold my funds without cause. 

XXXX 90 days for access to these funds is entirely unreasonable, especially given that I have complied with all of Squares verification processes. I am requesting an expedited release of these funds immediately. If Square is unable to provide a faster resolution, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Better Business Bureau ( BBB ), and my states Attorney General. 

I expect a prompt response and resolution to this issue. Please confirm the next steps to release my funds without unnecessary delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chase Bank regarding unauthorized activity on my credit card account. 
In XXXX or XXXX of XXXX, an individual fraudulently deposited {$15000.00} into my Chase Bank credit card account. I did not authorize this transaction, nor did I deposit this money. I am aware of the individual responsible for this fraud, but I have not been held responsible for any of these actions. Despite reporting this issue to Chase Bank and providing all necessary documentation, the bank has informed me that I am liable for the amount in question. 
I request that the CFPB investigate this matter and assist in resolving this issue. The fraudulent charges have negatively impacted my credit and financial well-being, and I am seeking to have this amount removed from my account and clear my name of any wrongdoing. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-31 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$100000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$470.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$9200.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2400.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: LA

Complaint narrative:
On XX/XX/year> I called XXXX data at XXXX to collect information on this debt. The agent refused to email me anything but used aggressive language before ultimately agreeing to send me information via mail. I called back on XX/XX/year> at XXXX a.m and another agent refused to give me any information saying the information has already been verified how many times are you going to ask

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account being reported by Caine & Weiner, listed on my credit report with an open balance of {$190.00}. According to my records, the account was opened on XX/XX/year>, and has been marked as Placed for collection and Account information disputed by consumer. Despite previously disputing this account, it continues to be reported inaccurately. 

I have not received sufficient documentation or verification supporting the validity of this debt, nor have I been provided with the original details regarding the nature of the account. I am requesting that Caine & Weiner either provide full validation of this debt or remove it from my credit report entirely, in accordance with the Fair Credit Reporting Act ( FCRA ). 

This unresolved issue is negatively impacting my credit, and I am seeking your assistance to ensure this matter is fully investigated and resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-31 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: UT

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt. 
Account Information : T : 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 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 
My Demands for Verification : I require strict proof of validation, including but not limited to : Complete itemized account history showing all transactions.

Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data.

Date and party that last verified this information and the source used.

Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately.

FDCPA Section 809 prohibits the reporting of debts that lack full validation.

If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages.

I expect a written response within 5 days confirming the removal of this account from 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
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been sued by Citibank , N.A . to collect my personal credit cards debt. 
XXXX XXXX. : XXXX in the amount of {$8900.00} XXXX in the amount of {$7400.00} To pay off all of my personal credit cards debt, I was trying to refinance my home equity line of credit for consolidation. I applied it for several banks including Citibank N.A. but denied when my personal XXXX XXXX was good. My own property 's current market value could be {$750000.00} and XXXX mortgage balance {$310000.00} and XXXX home equity loan balance is {$31000.00}, so the home equity value could be {$400000.00} available. 

While the bank is not willing to provide any Home Equity Line of Credit, and rather than by forcing higher interest rate bearing financial products such as credit card and personal loan. 

Now, the bank wants to collect the balance that includes the accumulated higher interest on interest amount, past due amounts, court filing fee, court fee, attorney fee, etc. 

It was my fault using the credit cards that provide balance transfer with lower charge point and later on higher interest rate charged. If I obtained the home equity line of credit, it could not be happened.

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 2025-03-31 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-03-31 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: TX

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 2025-03-31 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: TX

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 2025-03-31 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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