vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of the accounts listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these accounts are the result of identity theft and are not legitimately mine. I have not authorized these accounts.

I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following accounts and associated information must be blocked and deleted from my credit reports immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

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 2025-02-04 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 2025-02-04 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:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX Account Number : XXXX this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX Account Number : XXXX this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX Account Number : XXXX this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: American Consumer Credit Counseling, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX : Contacted American Consumer Credit Counseling to inquire about debt consolidation. 
XX/XX/XXXX : Approved by ACCC for debt/credit card consolidation program. 
XX/XX/XXXX : Signed agreement stating XXXX XXXX agrees to have automatic payments ( autopay ) by ACCC of {$840.00} from our personal checking account on the first of the month starting XX/XX/XXXX. XXXX also was told to cancel all credit card accounts, which he did. ( XXXX companies ). 
XX/XX/XXXX : No payment ( {$840.00} ) was deducted from our XXXX account per account set up. 
XX/XX/XXXX : Called ACCC to discuss why no withdrawal was done on the first. They stated that they needed to " set it up ( autopay ) on their end ''. XXXX authorized the payment of {$840.00} on the first of the month ( again ) and the initial {$25.00} set up fee. 
XX/XX/XXXX : Tried to make a manual payment online ( since no autopayment to ACCC of {$840.00} was made in XXXX ). Online account wouldn't allow us to make a payment manually because " We are currently enrolled in autopay ''. 
XX/XX/XXXX : No autopay deduction by ACCC from our personal account to cover the {$840.00} payments to our credit card companies. 
XX/XX/XXXX : Called ACCC ( main office in XXXX  ) to find our why we were getting letters and phone calls from these ( now ) closed credit card companies about XXXX missing payments. ( XXXX and XXXX ). They stated they had still not set up autopay and that they needed to do that. We asked to speak to a supervisor. None available. No one has called us back. 
XXXX 's credit score is being compromised by XXXX XXXX late payments that ACCC was supposed to be making after they deducted the agreed $ XXXX autopay amount.. which never happened. 
The main concern is that XXXX was not able to manually make a payment to ACCC ( both online or over the phone ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-04 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: VA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-04 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-04 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief
Consumer complaint received 2025-02-04 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: LEXISNEXIS
State: MI

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I want this hard inquiry from Capital One Bank removed from my credit report immediately. I did not authorize my credit to be ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive told them multiple times that the balance on these XXXX  XXXX accounts are not mine and they just keep saying yes they are like an hour after I dispute and every time I dispute them they just deny it faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-04 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: NJ

Complaint narrative:
Please check the information concerning the Equifax data breach below is attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have had a Capital One 360 savings account for over a decade. I just found out they started basically an identical 360 performance account the pays a much higher interest rate but they didn't inform me. I am not sure why i wasn't included when they started this new account. I called today and they easily switched me into the new account with the higher interest rate but not sure why I wasn't included when they started the new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: EDvantage LLC
State: TX

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. During that time, my tuition was paid by federal student loans and private loans through the school via XXXX XXXX. Payments were made from XX/XX/XXXX - XX/XX/XXXX amounted to XXXX. Recently the Department of Education discharged and reimbursed payments of federal loans made to XXXX XXXX XXXXXXXX. I was eligible and my loans were discharged and any payments made were refunded to me. However, most of my loans from XXXX XXXX XXXXXXXX were private loans through XXXX XXXX that XXXX XXXX XXXXXXXX set me up on. My parents also had to take out PLUS loans to help with tuition. The loans were also paid off before the settlement was active, so the Department of Education has denied refund of those despite it being federal loans. My parents and I have been making payments on these PLUS loans and private loans throughout school and afterwards. I recently paid them off in XX/XX/XXXX. I am in debt paying back XXXX XXXX XXXXXXXX and the settlement the government or school has given me has only amounted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase credit card offered of cash back was not honored : The Chase offer for cash back required me to add the " offer '' to my card in the Chase mobile app, and then make a purchase of {$400.00} or more, using the qualifying credit card from XXXX XXXX XXXX XXXX XXXX and receive {$200.00} cash back. I made a qualifying online purchase from XXXX for {$440.00} on XX/XX/XXXX at XXXX, and have proof of this from the order confirmation email from XXXX ( I will attach ). The purchase immediately appeared pending on the qualifying credit cards transaction log, however Chase claims the charge did not post until XX/XX/XXXX and therefore didn't qualify for the cash back as the offered expired on XX/XX/XXXX. Chase doesn't seem to have an explanation as to why this purchase was pending for 3-4 days but refuses to honor the cash back. The offer terms and conditions state payment must be made on or best XX/XX/XXXX, therefore my purchase made on XX/XX/XXXX qualifies. I have raised concern to Chase customer service three times, most recently on XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and deletion of fraudulent accounts that have been reported under my name due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit report.

The following accounts were opened without my authorization due to a data breach : XXXX XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$780.00} XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$960.00} XXXX XXXX  XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$3900.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$300.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and deletion of fraudulent accounts that have been reported under my name due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit report.

The following accounts were opened without my authorization due to a data breach : XXXX XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$780.00} XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$960.00} XXXX XXXX  XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$3900.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$300.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$0.00}

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 2025-02-04 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disoutes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate. 
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