vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Filed a dispute due to services being materially different, as outlined in the Fair Credit Billing Act. In addition, provided a written statement outlining how services were materially different and attempted merchant resolutions. Dispute this, card issuer has continued to add the disputed amount, in violation of law, to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I called soon after the debt appeared and stated these charges was false and I had counter evidence and was told they would clear it I called multiple times on XX/XX/year> and was hung up on multiple times they refuse to give information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Multiple emails went back and forth with vendor on dispute ( can provide emails proof ). The booking was cancelled after I tried to change the guest name from my 3 month old childs name to my own ( I had made the guest name error on my end ). The vendor canceled the booking when I just wanted to change name, which was how they instructed me to process the name change ( I have proof of this ). 

I booked a hotel stay on XX/XX/XXXX via XXXX XXXX  ( serviced by XXXX  XXXX party ) for a stay from XX/XX/XXXX to XX/XX/XXXX. I accidentally placed the booking under my infant sons name ( XXXX months ) name. I called their customer service line XXXX to request a name change and I was prompted with the response : You must cancel to rebook under a different name. I have a video recording of this. Given that my receipt explicitly states the following : The booking can not be changed or canceled, I believed that submitting a cancellation request solely to correct the name would not be an issue considering the vendor instructed me to do so. The request to cancel also included a note stating not to cancel unless a refund would be issued. 
Despite this, the vendor canceled and failed to reinstate my booking or refund my stay. After XXXX months of back and forth I submitted a dispute ( can provide emails documenting this ) with my Chase/XXXX  card ending in XXXX. Chase informed me via phone call on XX/XX/XXXX that they could not process the claim because the vendor still had the opportunity to provide service, as the booking dates had not passed. Now that the dates passed and I spoke to Chase over the phone on XX/XX/XXXX morning. I proceeded to submit another dispute with Chase this morning, but am also submitting a complaint with the bureau to aid in my Chase dispute with the vendor. 

NOTE : Chase dispute number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing this complaint regarding the continuous harassment and unauthorized collection attempts by XXXX XXXX XXXX in connection with a business matter they claim to have with Navy Federal Credit Union. Despite my repeated requests for them to stop contacting me, they have continued to reach out on multiple occasions, demanding sensitive personal information. 

Dates of Contact I was contacted on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Details of the Harassment Each time XXXX XXXX XXXX contacted me, they : Requested that I confirm my Social Security number, date of birth, and addressdespite me never having done business with them. 
Failed to provide written validation of any debt that they claim is associated with Navy Federal Credit Union. 
Refused to explain how they obtained my personal information when I directly asked them. Instead, they directed me to contact Navy Federal Credit Union, claiming that is where they got my details. 
Ignored my requests to cease communication and continued contacting me repeatedly, which has caused stress and inconvenience. 
Possible Violations Committed by XXXX XXXX XXXX I believe XXXX XXXX XXXX has violated the following consumer protection laws : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692d ( Harassment or Abuse ) They have repeatedly contacted me despite my objections. 
15 U.S.C. 1692e ( False or Misleading Representations ) They failed to properly verify the alleged debt and did not provide any validation in writing. 
15 U.S.C. 1692c ( c ) ( Cease Communication Request ) They continued to call after I told them to stop. 
Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( Unauthorized Access to Personal Information ) XXXX XXXX XXXX XXXX have accessed or used my private data ( Social Security number, date of birth, address ) without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I had previously disputed the XXXX XXXX, loan for {$240.00} with regards to it being fraudulent and providing an FTC identity theft report and all of my identifying information to prove that I did not open the account. Since then, I have disputed this account continuously, and they have failed to remove it, only changing it to paid for less when I never made a payment or settled it. This account is fraudulent and SHOULD NOT BE REPORTED on my credit report. 
Despite multiple written requests, the unverified items listed below remain on my consumer report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> EXPERIAN Subject : Formal Complaint Unauthorized and Inaccurate Reporting of XXXX XXXX Bankruptcy To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a XXXX  XXXX bankruptcy that has been inaccurately and unlawfully reported on my credit file. This reporting violates my privacy rights, as well as my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other consumer protection laws. 

Upon reviewing my credit report, I discovered that [ Credit Reporting Agency Name ] has included a XXXX  XXXX bankruptcy that I did not authorize to be reported, and it has caused significant harm to my financial reputation. Furthermore, despite my previous requests for deletion, your agency has refused to remove this information, violating my consumer rights. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Any inaccurate or unverifiable information must be removed under 15 U.S.C. 1681i ( a ). Additionally, the FCRA limits the reporting period of bankruptcies to no more than 10 years from the filing date, per 15 U.S.C. 1681c ( a ) ( 1 ). If this bankruptcy has exceeded this time frame, your continued reporting is unlawful. 

Moreover, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6827, provides privacy protections for consumers by restricting the sharing of sensitive financial data without proper authorization. If this information was obtained or reported improperly, it constitutes a violation of my privacy rights under federal law. 
Therefore, I demand that you : Immediately delete the XXXX  XXXX bankruptcy entry from my credit report. 
Provide written confirmation within 30 days of the deletion. 

Disclose the source of the reported bankruptcy and evidence of its accuracy. 
Failure to comply with these demands will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Furthermore, I reserve the right to pursue legal action for violations of my consumer rights under federal law. 
Please respond to this request within 30 days, as required under the FCRA. I expect immediate corrective action and written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went to Bank of America to make my payment last month XX/XX/year> and the person who helped me told me that the system was down and that the payment would be reflected in 1 day, however my payment was reported 10 days later and because of this error of the system or of the person who helped me at the Bank of America branch Bank Of America is reporting my account 30 days late specifically in ( XXXX ) I need this report to be removed, my credit is being affected. I made my payment on time and the branch was the one that made the mistake, I have my payment receipt. I need the 30 late payment removed as soon as possible, it was a mistake by the bank! This is not fair.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX INQUIRIES 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 - XX/XX/XXXX 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 XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
Someone created a Chime account using my email. When I tried to deactivate it the last XXXX digits of the phone number do not match mine. 

I have received approximately XXXX emails from Chime ( verified to be a legitimate Chime email address ) in XXXX hours. 

I contact them via the only option - an XXXX number - informed them of the fraud and asked them to suspend the account. I would not provide sensitive information like my ssn and DOB- and they refused to check into this any further.

There is no other way to contact this company and they are now knowingly allowing a fraudulent account to remain open without investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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