vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report File Number ( if available ) : XXXX Credit Bureaus Involved : [ XXXX, Experian, XXXX ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


I appreciate the CFPBs assistance in resolving this matter. Please provide me with a written response detailing the actions taken to correct my credit report. 

Sincerely, 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Report File Number ( if available ) : XXXX Credit Bureaus Involved : [ Equifax, XXXX, XXXX ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


I appreciate the CFPBs assistance in resolving this matter. Please provide me with a written response detailing the actions taken to correct my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report File Number ( if available ) : XXXX  Credit Bureaus Involved : [ XXXX, XXXX, TransUnion ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


I appreciate the CFPBs assistance in resolving this matter. Please provide me with a written response detailing the actions taken to correct my credit report. 

Sincerely, 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 2025-03-13 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: TX

Complaint narrative:
Today I received an email from XXXX XXXX informing me of a new account opened in my name. I checked my credit report and I see there I XXXX accounts opened with XXXX. I see one is for {$1000.00} and the other for {$870.00}. Those accounts were opened by a fraudster. I tried calling the number shown on my credit report but it says i need to call during business hours.

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 2025-03-13 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: OH

Complaint narrative:
Your company has made inquiries on my credit report without my permission.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
I am seeking to file a complaint against XXXX XXXX for illegally accessing private information through the Department of Education. I am also filing against the Department of Education for violating their privacy policies by allowing third party access to my confidential loan and payment information. DOGE is not a legitimate government agency. Only Congress has the power to create and oversee such an agency. I did not agree to have an un-elected and un-vetted private citizen digging through my private financial information.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC
State: NY

Complaint narrative:
They stole my personal cridentials to open a car policy and a car load. i dispute this many times with XXXX  and keeps coming back as accurate. this is unacceptable.

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 2025-03-13 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:
On XX/XX/year>, I requested the credit bureau to investigate the inaccuracies in this account, XXXX # XXXX .... to ensure accuracy. On XX/XX/year>, the credit bureau sent their investigation results stating the company certified to them the information is accurate. This can't be correct as the PAYMENT HISTORY, the DATE OF DELINQUENCY, remain incorrect. 
Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, this credit bureau must provide the names and business addresses of everyone with whom you verified the information. and FCRA 605 ( a ) ( 15 U.S.C. 1681c ) A charge-off may only be reported for 7 years from the date of first delinquency. Multiple listings may create an unfair extension of negative reporting. 
Please send me an updated copy of my credit report after your re-investigation.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the civil liability claim regarding negligent non-compliance that has been asserted against me by Experian. The claim references Section 16810 as the basis for holding me responsible, but I believe that I am not liable for the alleged non-compliance, and I would like to present my case for your review. 

Background of Dispute XXXX XXXXXXXX collection of {$150.00} was disputed and removed on all other bureaus EXCEPT Experian in XX/XX/XXXX and is now closed and deleted. I disputed with Experian multiple times with the latest being on XX/XX/XXXX and this collection still remains on my report. 

Reason for Dispute After reviewing the circumstances and considering the provisions of Section 16810, I firmly believe that the claim of negligence is without merit for the following reasons : Debt paid in full but not deleted as requested [ Reason 1 : Legal or factual error ] All other credit bureaus has this account closed or deleted except experian. ( see screenshots ) Request for Resolution I request a formal review of this dispute and the dismissal of the claim for civil liability based on the above grounds. I am prepared to provide any additional information or documentation that you require to assist in resolving this matter fairly. 

Please confirm the receipt of this letter and advise on the next steps within 7 days. Should you require further clarification or wish to discuss this matter, I am available at XXXX or XXXX. 

I look forward to your prompt response and the resolution of this issue. 

Sincerely, 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 2025-03-13 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 writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows 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 I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.

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 2025-03-13 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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 2025-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: FL

Complaint narrative:
Please advise if there is a different resource I should submit this claim through. 

I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX California on XX/XX/XXXX for a cost of {$39000.00}, after taxes and fees for a total of {$42000.00} and put about 10 % as a down payment of {$4200.00}. 

My complaint is specifically directed at the supposed depreciation of the vehicle. I understand a vehicle losing value right off the lot. Its now a used vehicle and should not be sold for the amount it was purchased of course. As of today, XX/XX/XXXX, the value of this vehicle is determined by XXXX to be around {$16000.00}. Thats about a 60 % depreciation in less than four years! We had valued this rv about a year ago as well at {$18000.00}. I feel someone ( namely the manufacturers ) should be held responsible for the Manufacturer Suggested Retail Pricing thats absolutely taking advantage of unsuspecting consumers, such as myself, who have absolutely no idea the ridiculous depreciation of these purchases.

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 2025-03-13 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: PA

Complaint narrative:
While I was away on international travel, I was contacted by capital one on XX/XX/year> stating that a Purchased was attempted for XXXX on my card that was declined and was asking me to confirm this purchase. I did not make this purchase and I called to confirm. I checked my credit card account and noticed an additional charge on XX/XX/year> for XXXX that states it was for lodging that I did not make. On the call we went over these two charges and more pending charges that I was unaware of that they asked me to confirm if they were unauthorized. I confirmed all these were unauthorized. They told me that they would make the adjustment for XXXX and that I would not be charged for it and these would all be reported to the fraud department. On XX/XX/year> the adjustment for XXXX was made and then immediately capital one charged me for it on the same day. I called capital one and they said they can not confirm this charge was fraudulent because it shows this charge was made using the chip. I asked about the other attempted charges and how they showed up and they said using the chip. I sent capital one documentation of lodging and air fair in a different country than the charge of XXXX was made, in order to prove I was not in that area of the charge. Capital one called me after reviewing the documentation and still refused to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding my repeated attempts to obtain my credit report from Experian. I have made multiple requests to receive my credit report through the mail, but despite my efforts, I have not received it. 

Here is a summary of my experience : I requested my credit report from Experian and on XX/XX/year> they sent me back. A form to fill out, on XXXX XXXX. I sent back more than enough information and still didn't receive my credit report via mail. I then followed up with another letter with a picture of myself holding my drive license, lease agreement, copy of my driver license and social security card. Asking them to remove all old address. Didn't receive a copy of my credit report! FCRA, Section 609 ( a ) ( 1 ) States I have the right to request, my credit report!

FCRA Section 605 ( a ) ( 1 ) This section states that information on a credit report must be accurate and complete. Credit reporting agencies must ensure that the information they report is correct and updated regularly.

I followed all instructions provided by Experian to request my report via mail, yet I have not received any response or the requested report.

Despite contacting Experian on several occasions to resolve this issue, I have not received any satisfactory communication or my credit report through the mail.

I am requesting assistance from the Consumer Financial Protection Bureau ( CFPB ) in ensuring that my credit report is delivered to me as requested. Please investigate this matter, as I believe my rights to obtain my credit report under the Fair Credit Reporting Act ( FCRA ) have not been honored.

Thank you for your attention to this issue. I look forward to your prompt assistance and resolution. 

Sincerely, 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 2025-03-13 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: TX

Complaint narrative:
There are hard inquiries in my credit report that I did not authorize.

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