vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under Title 15 of the United States Code, Section 16818, a credit inquiry may only be made under certain circumstances and for permitted purposes. Additionally, under Title 15 of the United States Code, Section 16811, I have the right to dispute inaccurate information in my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-09 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: CA

Complaint narrative:
This report is in regards to my private data Trans Union, Experian and Equifax I will be including attorneys generals complaint number 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written authorization instruction 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 1-2 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Further more these credit companies has yet to ask XXXX for the findings of the conclusion of the investigation they performed. Where is the competent evidence from XXXX showing proof and where are the results of their conclusion? Reinstatement letters is all theyr required to send to these fraudulent credit agencies. I am requesting that all documentation go through the attorney generals or the BBB or the CFPB only Im attaching proof and evidence.

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 2025-05-09 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Experian on my credit report, without providing me the opportunity to dispute the debts, as is my right under the Fair Credit Reporting Act ( FCRA ), as required by 12 CFR 1006.34 ( d ) ( 3 ). Despite this, Experian has proceeded to place the following accounts on my consumer report : 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 XXXXXXXX ) This omission denies me the opportunity to verify the accuracy of the debts allegedly owed. Furthermore, I have not been afforded the opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 

Experian has also resorted to false, misleading, and deceptive practices in its reporting efforts, thereby violating my consumer rights. Such unethical conduct undermines the integrity of the credit reporting and debt collection process and causes undue distress to consumers. 

Moreover, Experian lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill its obligations under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s2 ( a ) ( 7 ) ( A ), Experian is flagrantly disregarding consumer protection statutes.

I did not receive any notice from the above-listed creditors or debt collectors providing me the opportunity to dispute the validity of these debts within 30 days, as required by law. 

Additionally, I have attempted to submit supporting documentation proving that my information was compromised in the Equifax data breach and that I am a victim of identity theft. These incidents have caused significant harm to my credit score and have resulted in considerable financial and emotional stress. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, as I believe these accounts were reported without adherence to proper legal procedures. Furthermore, I respectfully request that Experian remove these accounts from my credit report and cease all collection efforts immediately. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 

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 2025-05-09 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 asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I discovered that my identity had been stolen, resulting in the loss of my drivers license, passport, money, and credit cards. Since that time, I have noticed fraudulent accounts and activity appearing on my credit report, none of which I authorized or participated in. Despite my attempts to resolve these issues with creditors and legal assistance, the matter remains unresolved.

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 2025-05-08 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: CA

Complaint narrative:
I dispute the 30-day late for XXXX XXXX XXXX XXXX Account Number : XXXX ]. Under the CARES Act, COVID-19 accommodations require accounts to be reported as current. Under TILA ( 15 U.S.C. 1666b ) and FCRA 623 ( a ) ( 1 ) ( A ), payment history must be accurate and timely. Equifax shows no late, Experian shows conflicting data. This is inaccurate and must be updated to paid on time and never late or deleted immediately.

Key points included : CARES Act = COVID-19 current status protection.

TILA ( Truth in Lending Act ) and 15 U.S.C. 1666b = Payment timing must be fair.

FCRA ( Fair Credit Reporting Act ) = Accuracy required.

Clear demand = Update to Paid on Time and never late or Immediate deletion.

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 2025-05-08 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: CA

Complaint narrative:
I applied for the XXXX XXXX Rewards Premier Credit Card from Chase based on a clearly advertised promotion that offered a {$300.00} statement credit on qualifying XXXX purchases, in addition to XXXX bonus points after meeting a spending requirement. Based on this offer, I applied for the card and made a {$270.00} purchase on XXXX XXXX XXXX fully expecting it to qualify toward the {$300.00} statement credit. 

After making the qualifying purchase, I contacted Chase customer service multiple times to inquire when the statement credit would be posted. In their early responses, Chase representatives acknowledged that I was eligible and stated the credit would post within one to two billing cycles. 

However, after several months and extensive back-and-forth communication, Chase later claimed there was no such {$300.00} statement credit offer tied to the card I applied for. Despite providing screenshots of the original promotion and details of my qualifying purchase, they refused to honor the credit and stopped giving clear answers. 

Now, after I informed Chase of my intent to file a complaint with the CFPB, they have shifted their position yet again. They are now claiming that the {$300.00} statement credit is only valid for purchases made at physical XXXX hotels or establishments and does not apply to purchases made on XXXX XXXX XXXX  such as buying XXXX points directly from the company. This specific restriction was never clearly stated in the original offer, and Chase is retroactively narrowing the definition of " XXXX purchases '' to avoid honoring the promotion. 

This is both deceptive and deeply frustrating. Had Chase clearly disclosed such limitations, I would have made a different type of qualifying transaction. Instead, they used vague language in their promotional material, accepted my application under false pretenses, and are now attempting to disqualify my legitimate XXXX purchase after I have fulfilled the advertised conditions. 

This is a deceptive practice where Chase advertised a benefit to induce customers to apply, and after fulfilling the conditions, they denied the existence or applicability of the offer. I consider this a bait-and-switch tactic, which is misleading and unfair. I have documentation supporting my claim, including screenshots of the promotional offer and communication records. 

I am requesting CFPBs assistance in ensuring Chase honors the originally advertised {$300.00} statement credit and that such misleading promotional tactics are properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
My credit reports with XXXX Experian, and XXXX  each include a late payment entry for XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) dated XX/XX/year>, reported with a past due balance of {$0.00}. This entry is not only inaccurate but also a violation of my rights under 15 USC 1666 and 1666 ( b ), which require accurate and timely reporting of account statuses. The ongoing presence of this unvalidated late payment has caused me significant stress, as it unjustly lowers my credit score, impacts my financial opportunities, and creates unnecessary obstacles in my financial journey. The thought that my sensitive financial data may have been mishandled, potentially due to a data breach, further compounds my concerns, as it erodes my confidence in the security of my personal information.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
please help me fix my problem with experian and Equifax. They are not willing to remove fraudulent addresses that are reporting on my credit profile. Im an identity theft victim and these addresses are causing my problems. I need them removed. please see my documents for further support.

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 2025-05-08 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: VT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I received a court summons and complaint on XX/XX/year> that was filed on XX/XX/year> by Midland Credit Management Inc. The complaint states it acquired the debts from two different companies totaling {$1900.00}. The complaint states they have tried several means to contact me. I was not sent a validation notice within 5 days of the first communication as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This fraudulent inquiries are affecting my abilities to obtain credit, I them removed immediately.

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 2025-05-08 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XX/XX/XXXXthat I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a complaint against Equifax, Transunion and Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a complaint against Equifax, Transunion and Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am not liable for this debt with. I do not have a contract with XXXX XXXX A they did not provide me with the original contract as I 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