vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Incorrect -Previous Address : - XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-12 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: TX

Complaint narrative:
On or about XX/XX/year>, I mailed a formal dispute and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a sworn Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure Demand ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for full debt validation pursuant to the FDCPA and FCRA. 

This packet was delivered to XXXX XXXX 's legal department and signed for by their agent XXXX XXXX on XX/XX/year> via certified mail. 

I gave XXXX XXXX XXXX calendar days to respond by sworn affidavit and provide all requested documentation. They failed to respond lawfully. Instead, on XX/XX/year>, I received a generic letter stating they believe the tradeline is accurate. 

XXXX XXXX has provided no validation of debt, no original contract, no IRS disclosures, and has not rebutted my affidavit. They continue to report a derogatory tradeline to credit bureaus without lawful justification, violating both the FCRA and FDCPA. 

This has caused ongoing harm to my credit, reputation, and economic well-being. I am requesting full deletion of the tradeline and appropriate consumer enforcement by CFPB.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/year>, I mailed a formal dispute and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a sworn Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure Demand ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for full debt validation pursuant to the FDCPA and FCRA. 

This packet was delivered to XXXX XXXX 's legal department and signed for by their agent XXXX XXXX on XX/XX/year> via certified mail. 

I gave XXXX XXXX XXXX calendar days to respond by sworn affidavit and provide all requested documentation. They failed to respond lawfully. Instead, on XX/XX/year>, I received a generic letter stating they believe the tradeline is accurate. 

XXXX XXXX has provided no validation of debt, no original contract, no IRS disclosures, and has not rebutted my affidavit. They continue to report a derogatory tradeline to credit bureaus without lawful justification, violating both the FCRA and FDCPA. 

This has caused ongoing harm to my credit, reputation, and economic well-being. I am requesting full deletion of the tradeline and appropriate consumer enforcement by CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or about XX/XX/year>, I mailed a formal dispute and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a sworn Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure Demand ( Forms XXXX, XXXXXXXX XXXX  ), a Cease and Desist letter, and a request for full debt validation pursuant to the FDCPA and FCRA. 

This packet was delivered to XXXX XXXX 's legal department and signed for by their agent XXXX XXXX on XX/XX/year> via certified mail. 

I gave XXXX XXXX XXXX calendar days to respond by sworn affidavit and provide all requested documentation. They failed to respond lawfully. Instead, on XX/XX/year>, I received a generic letter stating they believe the tradeline is accurate. 

XXXX XXXX has provided no validation of debt, no original contract, no IRS disclosures, and has not rebutted my affidavit. They continue to report a derogatory tradeline to credit bureaus without lawful justification, violating both the FCRA and FDCPA. 

This has caused ongoing harm to my credit, reputation, and economic well-being. I am requesting full deletion of the tradeline and appropriate consumer enforcement by CFPB.

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 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year> Sent notarized Power of Attorney via XXXX Mail XXXX XXXX XXXX XXXX XXXX. 

XX/XX/year> Dealership contacted me and provided a link to complete an online application. 

I submitted the application, but the online platform did not allow submission of supporting documents. 

I was notified that I was denied due to credit. 

I immediately emailed my full financial package, including XXXX of XXXX, XXXX, and instructions to the finance manager to correct the process. 

All communication from their end ceased. 

XX/XX/year> My hard-copy financial package was delivered via XXXX. 

I received notice from the dealership stating the documents would be forwarded to the CFO. 

XXXX XX/XX/year> I visited the dealership in person due to lack of follow-up. 

They acknowledged receipt of the package and said it had been forwarded to the CFO and legal. 

I requested contact information for follow-up and was given XXXX incorrect numbersboth led to XXXX XXXX XXXX customer service XXXX 

Despite multiple requests, I received no further contact from the CFO or legal department. 

XX/XX/year> Received adverse action letter from Bank XXXX XXXX. 

XX/XX/year> Sent first round of XXXX Mail letters offering opportunity to cure. 

Letters were accepted and signed for, but were disregarded. 

XX/XX/year> Received adverse action letter from JPMorgan Chase. 

XX/XX/year> Filed XXXX XXXX XXXX securing lien on XXXX vehicle ( Filing # XXXX ). 

XX/XX/year> Received dealerships own version of an adverse action notice. 

XX/XX/year> Sent formal Notice of Default via XXXX Mail. 

XX/XX/year> Filed XXXX XXXX XXXX securing lien on XXXX XXXX  ( Filing # XXXX ). 

XX/XX/year> Notified by XXXX that XXXX XXXX Mail letters were refused by dealership recipients. 

XX/XX/year> Issued and sent a notarized Affidavit of Non-Response and Dishonor. 

Sent Notice of XXXX XXXX for both vehicle and principal estate name. 
This complaint involves misconduct by XXXX XXXX XXXX XXXX and their failure to forward my secured credit package to JPMorgan Chase, resulting in an unlawful denial of credit. A similar complaint has been filed against XXXX  XXXX XXXX for the same violation involving the same dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DC

Complaint narrative:
Recently i did a full investigation on my credit report and found several items on there to be inaccurate and unauthorized.

15 U.S Code 1681i ( 5 ). Any Information disputed by a consumer, an item of the is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that items of information from the file of the consumer, or modify that item of information.

I am writing to formally dispute inaccurate and potentially fraudulent information on my Experian credit report as a result of being a victim of a data breach. 
My personal information was compromised in a data breach, which has led to unauthorized accounts, names, inquiries and phone numbers being associated with my credit file. I kindly request that you block this information from my credit report within four business days pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act.

I am a victim of the data breach and fraudulent accounts and request that you block and delete all listed account, names, Inquiries and phone numbers from Experian. 
XXXX XXXX XX/XX/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 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 2025-04-12 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:
under key provision and state legislature 817.568. Identity theft and fraud and the use of public records Federal law 18 U.S.C & 1028 Assumption and Detterrance Act Local law enforcement has been notified and provided case XXXX additional company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I filed my taxes through XXXX XXXX XXXX XXXXXX/XX/XXXX. I had the option to have my refund go to Credit Karma. I have done this option in the prior two years. On XX/XX/XXXX I was notified that my refund was available. When I went in like previous years to transfer the refund into my XXXX XXXX XXXX account, it would only let me transfer {$1000.00} per day. There was an option to do instant transfer of {$2500.00}, but they would charge me 1.5 %. I then downloaded the debit card with the remainder of my refund {$3000.00} to XXXX. That same night XX/XX/XXXX I tried to make a purchase with that debit card for {$59.00} and the card was declined. 
I contacted Credit Karma on XX/XX/XXXX and was given the run around by chat CS rep. They told me basically holding my money was for my protection and he said that my card was declined because they probably needed to ask me questions and that I could call and ask them. Said there was nothing he could do to get me access to more than {$1000.00} a day transfer unless I did quick transfer 1.5 % fee. I asked to speak with a manager and she told me she couldnt do anything about it and that she had no idea why my debit card was declined. Maybe they were having computer issues and I could try and use it again. I have screen shots of the whole conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
under key provision and state legislature XXXX. Identity theft and fraud and the use of public records Federal law 18 U.S.C & 1028 Assumption and Detterrance Act Local law enforcement has been notified and provided case 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX has provided written confirmation acknowledging that an inaccurate special comment code was furnished to all three major credit reporting agenciesTransUnion, Experian, and Equifax. Despite this admission, when I initiated separate disputes with each credit bureau seeking correction of the erroneous information, XXXX XXXX XXXX responded within 24 hours to each dispute by affirming the inaccurate special comment code as accurate. I am in possession of a signed letter from XXXX XXXX XXXX explicitly acknowledging their reporting error. Nevertheless, the representations made to me in writing have not been similarly conveyed to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX has provided written confirmation acknowledging that an inaccurate special comment code was furnished to all three major credit reporting agenciesTransUnion, Experian, and Equifax. Despite this admission, when I initiated separate disputes with each credit bureau seeking correction of the erroneous information, XXXX XXXX XXXX responded within 24 hours to each dispute by affirming the inaccurate special comment code as accurate. I am in possession of a signed letter from XXXX XXXX XXXX explicitly acknowledging their reporting error. Nevertheless, the representations made to me in writing have not been similarly conveyed to the 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
A few years ago, I am not sure of how long it has been, I was contacted via mail by XXXX XXXX XXXXXXXX. stating they were collecting a debt I incurred in the amount of XXXX, I contacted them and asked where it was from or what it was for and the person I spoke to said she would get back to me. Heard nothing from anyone, but received letters every few months. As time went on, the amount of the debt quoted in letters I received was reduced. No reason given. I knew it wasn't mine and told the individual I spoke to that it was NOT my debt when I called in. I have ignored it. I paid off every credit card debt I had several years ago. I continue to pay every bill I incur as soon as I receive it. THIS IS NOT MY DEBT. My credit is good. An attorney friend told me XXXXXXXX XXXX XXXXXXXX. had a reputation for conducting scams. I have ignored them and will continue, but no one should be allowed to do this to an individual. 

Ultimately, I had never heard of the business before and am a native Texan. Any debt incurred would have been in Texas and all debts have been paid. I do not know if this is a scam, but I do know I am not responsible for the {$2600.00} most recently demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

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