vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my Experian, XXXX XXXX XXXX credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-
616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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 2025-05-23 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: IL

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my XXXX, Equifax and XXXX credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4.
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my XXXX XXXX and Transunion credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. 

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This is a follow-up to a previous dispute I submitted regarding the account in question. Despite my efforts, the account continues to show inaccurate and incomplete information on my credit report. I am now formally requesting a detailed description of the procedures used during your investigation. You are legally required to provide this within 15 days of receiving this notice. If you can not verify the information or fail to respond, I request that the disputed items be removed. Attached is my written request for your reference. Thank you in advance for your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AR

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX, AR XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date XXXX : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-05-23 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: AR

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX, AR XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date XXXX : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF 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 2025-05-23 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
I am a victim of Identity Theft, my official FTC Identity Theft Report reference number:XXXX including but not limited to the XXXX XXXX data breach, which I was personally affected by. My breach engagement number associated with XXXX is XXXX. Experian has violations of my rights under the Fair Credit Reporting Act FCRA Section 604 ( 15 U.S.C. 1681b ) or exceed the reporting limits under FCRA Section 605 ( 15 U.S.C. 1681c ) & ( 15 U.S.C. 1681c-2 ) 604 ( a ) : No permissible purpose to furnish or access my consumer report. 
605B : Failure to block identity theft-related information upon receipt of my FTC Identity Theft Report and supporting documents. 
623 : Ongoing furnishing of inaccurate data even after being notified and provided proof. 
FCRA 605B Failure to block identity theft information FACTA Disposal Rule Mishandling or insecure storage of consumer data GLBA Privacy Rule Inappropriate data sharing ECPA Unauthorized access to digital records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am writing to formally submit a complaint regarding a debt collection company that has failed to provide the correct and complete information I requested to validate an alleged debt. 

I submitted a written request for debt validation to Jefferson Capital SYST, as provided for under the Fair Debt Collection Practices Act ( FDCPA ). In that request, I asked the company to provide documentation verifying the debt, including the original creditors name, the amount of the debt, and any contracts or agreements bearing my signature. 
To date, the company has not provided the appropriate documentation to validate the debt. Instead, they either failed to respond entirely or sent incomplete or incorrect information that does not satisfy the requirements outlined in my request or the FDCPA. 
This lack of proper response has prevented me from being able to determine the legitimacy of the alleged debt and has caused unnecessary stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, Capital One Bank ran an unauthorized hard credit check on me. I have never engaged in any type of business with Capital One, nor do I plan to in the future. I have requested a dispute regarding this unauthorized credit check with XXXX and have frozen my credit with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: BetterNOI, LLC
State: LA

Complaint narrative:
All inquired and screenings have been posted on my credit without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicing Solutions, LLC
State: PA

Complaint narrative:
I am writing to formally report a case of suspected identity theft that has negatively impacted my credit report. 
Recently, I reviewed my credit report from XXXX  and noticed an account that I do not recognize or recall authorizing. This account has contributed significantly to a decline in my credit score and appears to be fraudulent. I believe my personal information may have been compromised and used without my knowledge or consent. 
The details of the unauthorized account as listed on my XXXX  report are as follows : * Creditor Name : Servicing Solutions * Account Number : XXXX * Date Opened : XX/XX/year> * Current Balance : XXXX I have already initiated a dispute with XXXX  and am in the process of contacting the creditor directly. However, due to the seriousness of this issue, I am filing a report with the FTC for further investigation and documentation of this breach. 
Attached are copies of my government-issued ID and a copy of the credit report highlighting the disputed account. 
I respectfully request that this matter be investigated and that steps be taken to ensure the responsible parties are held accountable. Please let me know if additional information is required on my end. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Regarding Chase Mortgage Closing Process and Violations of TRID Disclosure Requirements Complaint : I am filing this complaint to report serious issues with Chase Mortgage related to my recent home purchase, which resulted in violations of federal disclosure requirements, poor communication, and undue stress that ultimately delayed closing by XXXX days. 

Key points of my experience : I did not receive the Closing Disclosure ( CD ) until less than XXXX hours before closing, which is a violation of the TILA-RESPA Integrated Disclosure ( TRID ) rule requiring a minimum of XXXX business days for review prior to closing. 
I was signing documents under a Power of Attorney and was not informed about the mandatory 3-day waiting period required for such cases until approximately 16 hours before closing was scheduled. 
When both my realtor and I raised legitimate concerns about the last-minute nature of these issues, the mortgage brokers response was to tell us to calm down, which I found dismissive and unprofessional. 

These failures in communication and compliance caused a four-day delay in closing, affecting all parties involved and causing significant inconvenience. 
I am submitting this complaint to request that the CFPB investigate Chase Mortgages compliance with federal disclosure laws and evaluate their processes to ensure future borrowers are not subjected to similar treatment.

Company response to consumer: Closed with explanation