vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protection consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681 section 602 A. stated I have the right to privacy .

15 U.S.C 1681 section 604 A section 2 ; It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681 1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-10 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:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. 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 DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA WITHOUT ORIGINAL SIGNATURE OR VERIFICATION USED THIS WILL BE FINED PER XXXX XXXX XXXX XXXX ARIZONA XXXX PER POLICE 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 2025-04-10 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. 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 DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA WITHOUT ORIGINAL SIGNATURE OR VERIFICATION USED THIS WILL BE FINED PER XXXX XXXX XXXX XXXX ARIZONA XXXX PER POLICE REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding inaccurate information listed on my credit report, as well as incorrect personal address information. Despite previously contacting the credit bureau directly, the items remain unresolved and are negatively impacting my credit standing.

1. **Personal Information Correction** The address listed under my personal information is incorrect. Please update it to reflect the following : [ Insert your correct address here ] 2. **Disputed Accounts** The following accounts listed on my credit report are inaccurate, outdated, or unverifiable, and I am requesting a full investigation and deletion if they can not be properly verified within the guidelines of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Charged off - XXXX XXXX XXXXXXXX ( Acct XXXX XXXX ) Paid, Closed. {$880.00} written off - XXXX XXXX XXXXXXXX ( Acct # XXXX XXXX Paid, Closed/Never late XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX  ) Paid, Closed/Never late - XXXX XXXX ( Acct # XXXX ) Paid in settlement - XXXXXXXX XXXX ( Acct # XXXX ) Charged off - XXXX XXXX  ( Acct XXXX XXXX ) Charged off - XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Closed - XXXX XXXX  ( Acct # XXXX ) Charged off - XXXX XXXX Acct # XXXX ) Paid, Closed These items should be verified or removed immediately as required under FCRA. I have attached documentation including proof of my identity, correct address, and a copy of the credit report with disputed items highlighted. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, 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 2025-04-10 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, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested documents from this company over and over to validate this account is accurate because I know that's a process that has to be done when you're dispiriting accounts and I know they have 30 days to prove this account and I have not received anything to prove that this account is accurate I also sent out letter certified to the credit bureau requested the same thing and I have not received anything back besides a notification showing that this account is accurate and has been updated and I believe that this is unfair because these times do not belong to me and I have not received anything that I have requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested documents from this company over and over to validate this account is accurate because I know that's a process that has to be done when you're dispiriting accounts and I know they have 30 days to prove this account and I have not received anything to prove that this account is accurate I also sent out letter certified to the credit bureau requested the same thing and I have not received anything back besides a notification showing that this account is accurate and has been updated and I believe that this is unfair because these times do not belong to me and I have not received anything that I have requested

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against Chase Bank regarding a fraud claim that has been unresolved for over five months. My phone was stolen in late XXXX, and 33 unauthorized transactions were made via XXXX XXXX in XXXX and XXXX. I initially filed a fraud claim with Chase on XX/XX/XXXX. However, the first agent failed to include all 33 transactions in the report. I called back and ensured that all transactions were added to the claim. 

To support my case, I provided Chase with documentation from XXXX XXXX XXXX showing I had ordered a replacement phone. When Chase insisted that wasnt sufficient, I submitted an additional document from XXXX confirming that my stolen phone was placed in Lost Mode.

Despite this, Chase continues to deny my claim using the same generic reasoning without providing specific details. They stated that I would receive a resolution within 4 business days, but each time the case was closed without notice. I have called repeatedlyroughly every four daysto follow up because they failed to contact me despite my repeated requests ( over 10 times ) to be notified of any updates. 

I believe Chase is automatically denying the case without properly reviewing the documents or investigating the situation. This has caused significant stress and financial hardship. I am requesting a thorough and fair review of my fraud claim and appropriate action to recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-10 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:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeApartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX typeSingle family XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX typeSingle XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my XXXX info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX XXXX. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX  months, or the last XXXX  years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( XXXX ) in question, including the business name and contact information of any furnisher within XXXX days of the completion of your reinvestigation as required by XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have sent out a letter multiple times to each company and credit bureau requested about a date this account as that is a process that I need to do and I know they have 30 days to respond and I have not received anything and it's been away over three months

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Dear SANTANDER CONSUMER USA I made a payment of {$2000.00} with the understanding that this payment would result in the deletion of the account from my credit report. 

However, after reviewing my credit report, I have found that the account in question has not been removed, as was agreed upon. I was explicitly told by a representative of your agency that upon payment, the account would be deleted from my credit file. This deletion has not occurred, and the negative mark is still reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: RI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I paid more than I borrowed from Oppsloans. They have predatory practices, and they charged 139 % for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
I filed a dispute on Account # XXXX with XXXX XXXX XXXX XXXX inaccurate information being reported to my credit file in XXXX XXXX XXXX. Experian responded stating the account information was verified. I sent a second dispute insisting the information was inaccurate, requested a reinvestigation, and method of validation/verification. Experian denied or failed to comply with my request by adding remarks on my credit file stating " the item was updated from our processing of your dispute in XX/XX/year> ''. This is an indication that a reinvestigation was not initiated by Experian. I was recently notified that the CFPB has filed a lawsuit against Experian. The lawsuit alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove or correct any information regarding this account. This is a clear violation of my federal rights.

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