vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
XXXX can not validate even basics of the debt, they can not provide an invoice, a bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was a victim of identity theft. I received a notification on my cell phone from chase bank that my funds were low. When I checked my account, there were 2 charges 1 for {$120.00} from XXXX XXXX XXXX XXXX and a withdrawal from my checking account for {$750.00}. I immediately went to XXXX XXXX XXXX XXXX and explained to the clerk that there was a purchase for {$120.00} that i did not make. They explained to me that the person made the purchase with my debit card and pin number. I called chase bank and explained that the purchase and the withdrawal were not me and it was not authorized by me. I filed a claim for the funds to be returned. While on the phone i received another notification that my card was being charged {$14.00} at popeyes. So I included that charge to the claim filed. Then I went to chase bank and I spoke with the assistant vice President. She explained that the criminal who impersonated me went to the teller and withdrew {$750.00} from my account. I questioned how this could happen without identification and she said that it was allowed because the criminal used my pin number. I explained that even though he used my pit it was not me and the transaction was not authorized by me. She also explained that on XX/XX/year>, there was a call to chase by the criminal requesting a replacement debit card. The request was approved by chase but there was no notification sent to my cell phone verifying my identity. The new card was suppose to be express mailed to my address but the criminal intercepted the card from the UPS driver at an unknown address around my neighborhood. Then the criminal immediately began using the new card. On XX/XX/year>, I reported the identity theft to the XXXX police department. Chase is refusing to refund the money that was stolen from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: DISCOVER BANK
State: CA

Complaint narrative:
I have an ongoing dispute with Discover Card. When i reported the fraudulent charges on card, I explained that it was purchases made with the card itself that were fraudulent. There were other non-card charges on the account ( through XXXX XXXX ) that were legitimate and not disputed. Discover initially credited the charges, but then reversed their decision, with the reason that I had included " legitimate '' charges in the dispute which they interpreted as my having made a completeIy false claim. When I asked which charges they considered legitimate they pointed to the non-card transactions, they I had not reported as fraudulent in the first place. I pointed that out to them but they would not budge. I reported the fraudulent charges to the police and they informed me that they couldn't review security footage from stores because the fraud was reported more an 30 days after the charges were made ( Discover 's process of crediting then reversing the charges put me beyond the 30 days ). I called Discover and asked if I could see the transaction receipts and was told I'd have to get them on my own. I have done that with a number of charges, but some stores have told me they can't locate the receipts. This is the case with stores that tell me they need the full XXXX card number ( not just the last XXXX digits ) which I do not have because the card was stolen. Discover will not give me the XXXX digit card number, referring me to their policy that the only way to get the full number is by looking at the back of the card. I have the repIacement card number but that won't works to track down the receipts for the fraudulent charges. I have submitted some copies of receipts and a timeline showing where I was when the charges were made ( I was at work or dealing with car theft when many of the charges were made - I submitted ADP time records and the car theft police report ). I uploaded everything I could get starting XX/XX/XXXX. I was told Discover has 30 days to respond to my submissions and request to re-evaluate, but today they told me that my XX/XX/XXXX submission, while received on XX/XX/XXXX, was not " uploaded '' to their system until XX/XX/XXXX, and that they'd let me know when they've had time to review the materials I sent them. I think they are stalling with the hope that I will cave.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Account, American Express XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe youve sent proper notification, please provide Certified Mail with receipt displaying my signature, if not, please delete account ending in XXXX from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting a {$30000.00} consolidation loan as an auto loan on my Experian credit report. I have formally requested complete debt validation, including the original loan agreement, Truth in Lending disclosures, a payment and balance breakdown, and documentation showing how the loan was classified and applied to the multiple debts it consolidated. 

XXXX has failed to provide any of the requested documentation. Instead, they redirected me to a third-party law firm without confirming a legal sale or transfer of the debt yet they continue to report to Experian as the data furnisher. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), especially since the reported balance continues to increase each month after charge-off, which constitutes illegal re-aging. 

I have disputed the account multiple times with Experian, but they have refused to investigate or assist. They claim the debt was verified by XXXX, yet they will not disclose how it was verified, who responded, or provide any supporting documentation. This lack of transparency violates my rights under the FCRA. I have contacted XXXX directly multiple times, but they continue to avoid providing the required documents or a proper response. 

This situation has now been reported to all the appropriate agencies including the XXXX, CO Attorney General, and XXXX all of which have referred me to the CFPB as the agency responsible for enforcement. 

Canvas is knowingly misreporting this loan to harm my credit. I am requesting that the CFPB investigate and require XXXX XXXX XXXX to : XXXX. Provide full debt validation documentation. 
2. Correct the loan classification from auto loan to consolidation loan.

3. Accurately report the balance and cease re-aging.

4. Provide proof of sale or legal transfer if applicable.

5. Stop reporting the account until validation is provided. 

Attachments include Experian dispute results, my direct emails to XXXX, their responses, and proof of inconsistent balance reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
Equifax has failed to furnish the names and contact information of the entities that supplied the disputed, fraudulent information, as well as the specific methods used to verify its accuracy. This omission is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and reflects negligent handling of sensitive consumer data. 

The generic, non-substantive response Equifax provided is unacceptable and undermines its obligation under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to provide the source and reinvestigation details. I have already submitted extensive documentationincluding my drivers license, birth certificate, Social Security card, IRS tax filings, private health insurance records, and pay stubsall of which lawfully and clearly establish my identity and address history. 

Equifaxs continued failure to act in accordance with federal law, despite the burden of proof provided, is both damaging and exhausting. I am again demanding permanent removal of all fraudulent data, a detailed accounting of the verification process, and identification of all sources involved.

Equifax has since determined in what may be perceived as a retaliatory response that a fraudulent name and address be re-instated to my credit file which is damaging and potentially dangerous. Providing access to fraudulent parties provided access to my lawful residence, employment, familila composition, and etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Equifax has failed to furnish the names and contact information of the entities that supplied the disputed, fraudulent information, as well as the specific methods used to verify its accuracy. This omission is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and reflects negligent handling of sensitive consumer data. 

The generic, non-substantive response Equifax provided is unacceptable and undermines its obligation under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to provide the source and reinvestigation details. I have already submitted extensive documentationincluding my drivers license, birth certificate, Social Security card, IRS tax filings, private health insurance records, and pay stubsall of which lawfully and clearly establish my identity and address history. 

Equifaxs continued failure to act in accordance with federal law, despite the burden of proof provided, is both damaging and exhausting. I am again demanding permanent removal of all fraudulent data, a detailed accounting of the verification process, and identification of all sources involved.

Equifax has since determined in what may be perceived as a retaliatory response that a fraudulent name and address be re-instated to my credit file which is damaging and potentially dangerous. Providing access to fraudulent parties provided access to my lawful residence, employment, familila composition, and etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-05-01 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to 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 my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting 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 explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : SXXXX 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 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 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 2025-05-01 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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