vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
I do not have all the dates or any of that because Zelle was disabled through XXXX XXXX banking app.. started happening that money was being sent in XXXX into the end of the summer in XXXX through Zelle which all the funds were taken from our checking account neither myself or my husband ever use thus service just use our account to pay household bills these people we have no clue who they are but whoever was doing it had our online banking access and has for quite some time because it kept happening up until XXXX of XXXX XXXX I have XXXX look into our devices too see if there was something wrong and my phone had really bad problems and was hacked and the SIM was swapped and several devices with weird IP addresses that do not belong to any device we have.. I had to switch devices completely and switched phone number because all my personal information was out there for something else to happen I changed debit cards bank accounts and passwords and since it has ceased and it halted as soon as I got rid of that phone I know that was the whole problem was that XXXX being swapped and all the issues of money disappearing at all hours of the day and night we would wake up and our money was gone.. XXXX has no way of telling who it is or how long this had been hacked but I have the documentation they were willing to help support my cases like this. I have filed a compaint as well wil XXXX XXXX they are currently investigating and have the same documentation but there is XXXX we have missing out of our account we also have been in hardship because of this we know none of these people never talked to anyone of any kind on any of these transfers made XXXX XXXX is hoping to be done by XX/XX/year> but thus doesnt help us pay our bills when our hard earned money is gone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
My name is XXXX XXXX, and I am formally disputing the accounts mentioned in this file. Under the FCRA ( 15 USC 1681i ) and FDCPA ( 15 USC 1692g ), furnishers are required to verify all reported information. If they can not provide COMPLETE ACCURATE validation within 30 days, these accounts MUST BE PERMANENTLY DELETED! Re-reporting without new, verifiable proof violates federal law and may also constitute or invoke fraud. 
I request immediate investigation and written confirmation of all removals. The listed accounts were never approved to be added to my reports, let alone, nor did I provide written or verbal consent for these companies to report anything on my behalf.

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 2025-04-07 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: VA

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX. 

4. Correct Date of Birth : Please ensure that my Date of Birth XX/XX/year>, is reflected on my credit report. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-04-07 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: MI

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX Balance Owed : {$130.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$170.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXXXXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  Discharged Reference # XXXX Date Filed/Reported : XX/XX/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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Self Financial Inc.
State: FL

Complaint narrative:
Hello, I'm reaching out to basically ask for whatever information you can give me related to an account you claim i had with south state bank, because i don't remember opening an account with you before, depositing money into an account at your bank, nor you contacting me about the account, nor you contacting me about closing the account either. What i mean by that is i looked at XXXX XXXX unclaimed property page the states website has and noticed apparently had {$54.00} ( if i remember the amount correctly, it was $ XXXX though ) from an account at XXXX XXXX bank that was closed and handed off over to the state, so i filed out the information on the states website and received the money a few weeks later. I received that payment around a year ago ( early XXXX ) and have been meaning to ask you or more information since, but haven't really had a chance to until now. Could you please provide me with whatever information you can, like when the account was opened and when it closed, why the account was closed, who deposited the money into the account, etc? I'm mainly asking to help make sure it wasn't some type of identity fraud that i wasn't aware of ( the fact you never even called me implies this as well ), but im also curious about my memory as well, because i was in a pretty bad car accident in early XXXX, in which i received a grade XXXX concussion, meaning there's a slight chance i might have forgotten about this account during that, so I'm honestly curious about when it was closed, etc to help determine if i personally opened it, or if something else like fraud happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
I did not authorize this hard inquiry and have no knowledge of any application for credit with this company. I believe this may be the result of identity theft or fraud. Please remove this inquiry from my credit report and investigate accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have contacted the company via e mail and over the phone and request to update or delete my information and if not delete tehy must provide correct information to credit bureaus and validation to me but they refuse it and ignore it I contact them once every month for the past XXXX 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 2025-04-07 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:
I did not authorize this hard inquiry and have no knowledge of any application for credit with this company. I believe this may be the result of identity theft or fraud. Please remove this inquiry from my credit report and investigate accordingly.

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 2025-04-07 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: IL

Complaint narrative:
I am submitting this complaint after Equifax failed to take proper action in response to a legitimate identity theft dispute. 

On XXXX I submitted a notarized dispute package to Equifax via certified mail, including : - A signed FTC Identity Theft Report - A government-issued ID and Social Security card ( both sides ) - A recent utility bill as proof of residence - A full credit report with marked fraudulent inquiries - A signed fraud affidavit - A notarized written statement All documents were prepared after consulting with an attorney. I received confirmation that Equifax received my package ( certified mail receipt attached ). Despite this, I received a denial letter stating the inquiries were verified as accurate, without explanation, and no proper investigation was conducted. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires credit bureaus to block fraudulent information within 4 business days when valid documentation is provided.

Equifax failed to fulfill their legal obligations, even with all evidence properly submitted and notarized. 

I am now submitting this formal complaint to the CFPB as a first step toward holding Equifax accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
my last dispute was XX/XX/year> with experian report number XXXX first all three reports are different concerning this account and the XXXX car loan from XXXX XXXX  XXXX my original balance was XXXX and they charged off XXXX to there insurance and they still report i owe them XXXX and they have the account as closed and behind in which it should be listed as charge off and i also reached out to the company because they was sued for unfair car practice and anyone with a loan with them during the time was suppose to be forgiven of the loan if car/suv was repo. they never would response to my email i sent and they closed down my access to the account on line where i had reached out. i asked for this company to be removed off my credit for reporting incorrect information about the loan and also i tried to reach out to company with no response. i also ask company to seen me a copy of my original contract, the charge off and how they figured out i still owed them XXXX if they charged offed 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 2025-04-07 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: MI

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX Balance Owed : {$130.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$170.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Discharged Reference # XXXX Date Filed/Reported : XX/XX/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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SEE ATTACHMENT. The dispute concerns inaccurate information on my credit report. I have also included a Method of Verification ( MOV ) request and a Notice of Default and Demand for Correction. This filing is to document my efforts and ensure accountability in case they fail to comply with its legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Texas Business & Commerce Code Chapter 20

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: AL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 2025-04-07 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX. XXXXXXXX XXXX XXXXXXXX /ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-07 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: VA

Complaint narrative:
My complaint concerns the XXXXXXXX XXXX XXXX consumer credit card, issued by JPMorgan Chase Bank. I was considering applying for that credit card, when I came across what I thought was deceptive marketing. The card offers " up to 60,000 bonus points '' for hitting spend thresholds upon opening a new account, but I believe this offer is misleading. The part that is misleading is the offer to earn " up to XXXXXXXX XXXX Bonus Points by earning 2 Bonus Points total per {$1.00} spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to {$15000.00} spent. '' Under normal circumstances, without any special offer, cardholders would earn 1 Bonus Point per XXXX spent on that {$15000.00} of spend, so truly only 15,000 of those Bonus Points offered are actually incremental to simply possessing the card. In other words, Chase is offering only up to 45,000 additional points as part of their welcome offer, since the 15,000 the customer would earn would be earned anyway, not as part of any special offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This company canceled my card for no reason and lied about it. I spoke to serveral reps and none can tell me why the card was canceled and the balance on it. The card is mostly paid off in full every month and is never late. The reps also said the only reason a card would be canceled is due to cash advances or gambling which both where never done. I can not check anything on this card except for the message stating its closed thats it. I asked for just XXXX reason and no one at this company seems to have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-07 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:
Under 15 U.S.C. 1681i ( a ) ( 5 ) of the Fair Credit Reporting Act, I am demanding an immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries currently being reported. The item ( s ) in question, specifically a charged-off account and any connected collections or inquiries, are either inaccurately reported, unverifiable, or no longer valid.

Furthermore, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy in the information they report. If the information you are furnishing can not be verified as accurate and complete, it must be permanently removed from my file.

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