vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX  court in XXXXXXXX XXXX case # XXXX discharge me from a loan on a mortgage in Maine which my ex-wife kept. At the time it was XXXX XXXX, but apparently the loan was transferred to XXXX XXXX in XXXXXXXX XXXX  My ex missed a couple of payments in XXXX XXXX and it appeared negatively on my credit. I called XXXX XXXX and the person I spoke to said it wasn't their problem, I need to take it up with the credit bureau. I mailed a certified letter per my attorney to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I noticed several unauthorized transactions on my checking account tied to my debit card. I believe these charges were made after XXXX XXXX on this day because I received gift money at XXXX and these charges showed up after, assuming they are posted chronologically. The first suspicious charge was a payment of approximately {$550.00} to XXXX XXXX based in North Carolina. Shortly after, another charge of approximately {$300.00} was made to the same company. I do not live in North Carolina, nor do I have any relationship with XXXX XXXX or any affiliated rental properties. 
Additionally, a third unauthorized charge appeared under XXXX XXXX XXXX in Virginia XXXX, VA. This also was not initiated or authorized by me. I do not have any upcoming or previous travel reservations with XXXX, nor do I know anyone in Virginia who would have access to my card. 
All of these transactions were made using my debit card information, but I have never physically lost my card. I typically use XXXX XXXX for purchases and rarely enter my debit card details online. This makes it likely that my card information was compromised digitally. 
I contacted my bank ( JPMORGAN CHASE ) immediately upon seeing the pending charges. My account was frozen and a fraud investigation was initiated. However, the full balance was withdrawn from my checking account, leaving me with no available funds. Then, I contacted JP Morgan Chase every weekday except Wednesday asking for an update. Every time, customer service representatives gave me conflicting information. First, I was told that my account was secure and my debit card needed to be replaced. Then, I was told that my account would only be 'restricted ' as the fraud case was investigated. Each time, I was told I WOULD receive CREDITS by the end of day in my account equaling to the total amount stolen- XXXX. Without warning, Chase closed my account and posted a " XXXX XXXX '' on the evening of Thursday, XX/XX/XXXX. I was given NO notification that this was happening, NO request for documents, and NO update on my claims, and additionally NO credit to my account. 
I am a college student, with not much means. This money is what I live off of. This has caused me severe distress and hassle. 
I have also attempted to contact the merchants XXXX XXXX and XXXX notify them that the payments made under my name were fraudulent and made without my authorization. XXXX management has confirmed they know the identity of the thief. Additionally, I have filed a police report with the XXXX Police XXXX.

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

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 explanation
Consumer complaint received 2025-04-04 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am wrote to CITI to urgently request that they remove the negative delinquencies from my credit report, which resulted from CITI Bank 's failure to follow through on my fraud report. These delinquencies have severely impacted my credit score and are hindering my financial progress. 
On XX/XX/year>, I initially reported the fraudulent activity on my account. I was assured over the phone that the issue would be resolved, and I would receive a new card. However, the new card was never sent, and I received no further communication requesting additional information. 
In XXXX, I received a call from CITI Bank requesting payment, which is when I discovered that the fraudulent transactions had not been addressed. I was transferred between multiple representatives, and it was not until I spoke with a security agent that I was asked to submit a police report, which I emailed to the provided email address. 
Although the account was eventually corrected, the interests and late payments resulting from the delayed resolution were not credited. This oversight has caused significant stress and has hurt my XXXX XXXX since XX/XX/year>. 
I have since spoken with a XXXX named XXXX, who worked on my account and brought it back to a XXXX balance. She apologized and assured me that the issue would be resolved once and for all. However, I have yet to see the negative delinquencies removed from my credit report.The account reports as charge off, and 150 days late payment. This has resulted in my great credit score of over XXXX to the XXXX now. I have a business plan I want to pursue but I cant move on because of this bad report on my credit. 
I am requesting that CITI takes immediate action to delete these late payments and charge off from my credit report. They were a direct result of the fraudulent transactions, which I reported and submitted a police report for. The presence of these delinquencies on my credit report is impacting my life severely. 
I would appreciate it if CITI expedites this request and provide a confirmation once the negative delinquencies have been removed from my credit report. 
Please find below my account information for your reference : - Account Name : XXXX XXXX - Account Number : XXXX ( note, I found out about this account number from the supervisor XXXX, the very old account ended in XXXX, I dont remember the full number ) If you need my SSN, call me on XXXX for that. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon.

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

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 2025-04-04 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: NJ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in to be removed. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
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 2025-04-04 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:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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

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 explanation
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had XXXX late payments on an account that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates XX/XX/scrub>XXXX XXXX. I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention.

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

Complaint narrative:
I am a victim of identity theft, and I did not open, authorize, or use this account. As such, I request that you : Immediately close and remove these fraudulent accounts from my record. 

Cease all collection efforts related to these accounts. 

Provide written confirmation that the fraudulent account has been closed and removed. 

Notify any credit reporting agencies to correct or remove any inaccurate information associated with this account. 

I have attached supporting documents, including a copy of my identification, a police report ( if filed ), and an Identity Theft Affidavit from the Federal Trade Commission ( FTC ).

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-04 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: MD

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2025-04-04 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Fair Resolution Request : 1.

Full and Transparent Disclosure : A complete and detailed report of all activity associated with my credit file since its creation, including : All names, addresses, and accounts reported. The sources of this information, including dates it was obtained. A timeline of all disputes, changes, removals, and inquiries ( both hard and soft ). A thorough investigation into how fraudulent information was added to my file and why it was not flagged. 2. Immediate and Permanent Corrections : The removal of all fraudulent names, addresses, accounts, and inquiries associated with identity theft. Confirmation that my personal information is secured against further fraudulent use. Assurance that fraud alerts and identity theft protectio
ns remain in place indefinitely at no cost to me.

3. Accountability & Legal Compliance : A formal written explanation of why Equifax failed to investigate my disputes properly.

Proof of their compliance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft Laws in handling my case.

Confirmation that Equifax has reported this matter to the Federal Trade Commission ( FTC ) and law enforcement for further action.

4. Preventative Measures & Assurance : A dedicated point of contact within Equifax to handle my case and future issues.

A written guarantee that my file will be monitored for fraudulent activity at no cost to me.

If Equifax is unable to ensure the security of my Social Security number, I request written documentation that I may use to petition the Social Security Administration for a new Social Security number.

This request is made under my full legal rights per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I expect a detailed response addressing all points above. Failure to comply may result in further legal action, including escalation to the Attorney General, the Federal Trade Commission ( FTC ), and state and federal legal authorities.

Equifax received a full report and any and all documents as required to provide more than sufficient evidence of my identity and has been negligent for years with this request. It has been time consuming, costly, and a detriment to both employment and housing.

Company response to consumer: Closed with explanation