vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: IL

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Sent a letter twice, but no response. Letter that was sent I am writing to follow up on my recent request for a settlement on my auto loan account. As previously shared, I respectfully ask that my final payment be accepted as full and final settlement of the account, based on the following circumstances : 1. XXXX XXXX  was shut down in XX/XX/year> due to government efficiency cuts ( DOGE ), resulting in a loss of employment and financial hardship. 
XXXX. I have paid over {$80000.00} toward a loan that originally totaled {$25000.00}. 
XXXX. My grandmother, the co-signer, passed away last year, which has added emotional and financial strain. 
XXXX. The vehicle was totaled XXXX years ago, and the insurance company issued a payment directly to your institution. However, the insurance payment did not fully satisfy the balance. 
XXXX. Incorrect credit of 30 days late in XXXX ; however, the bank statement showed the payment, which was sent to the loan company. 

Given that I have not had access to the car for over XXXX years and am not currently working, I kindly request that my most recent payment be accepted as a settlement to close out this account. 

Please let me know if any documents or forms are needed to formalize this request. I am hopeful for your understanding and support during this time. 
Thank you for your time and consideration.

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 2025-04-20 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: NY

Complaint narrative:
Hello cfpb team I've reported so many times about my banckarrot problem to Experian asking how they verify my information but they always update the account but I don't receive any info According to Under Section 1681b of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only disclose information on a credit report if there is a legitimate purpose, such as a credit application initiated by me, a specific legal obligation, or my express authorization. I have not provided such consent, nor have I initiated any action that would justify the inclusion of this bankruptcy on my credit report. 
Expirian have a violation in this account because I have the court letter saying they not provide any information to third-party agencies and I never give any permission to nobody. 
Im attaching information about this company problem. 
Please I wish resolve this case ASAP.

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 2025-04-20 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


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. 

TRANSUNION 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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update 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 non-monetary relief
Consumer complaint received 2025-04-20 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

EQUIFAX 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams, Rush & Associates, LLC
State: VA

Complaint narrative:
William Rush and Associates are trying to collect a debt that has surpassed its statute of limitations. The original creditor is XXXX XXXX ( XXXX ), the original date of first delinquency is on or around XX/XX/year> which would put this debt pass the XXXX  years of reporting eligibility. By continuing to report this debt violates my rights as consumer under the FCRA and should be removed from my credit report immediately and permanently.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Company : XXXX XXXX XXXX XXXX 
Issue : Failure to investigate and respond to a credit reporting dispute Submitted To Company On : XX/XX/2025 Details of the Complaint : On XX/XX/2025, I submitted a written credit report dispute to XXXX  XXXX XXXX XXXX, including all necessary documentation per the Fair Credit Reporting Act ( FCRA ). I provided : A copy of my government-issued photo ID A copy of my Social Security card A W-2 form showing my current address A detailed description of the inaccurate information I was disputing Despite receiving all of this, XXXX  did not respond with the results of an investigation within the 30-day period required by the FCRA. Instead, I received a letter XX/XX/2025 falsely stating that the dispute was not sent by me or that I had not authorized it. 

This is inaccurate and misleading. I submitted everything myself and included complete identifying documentation. More than 30 days have passed with no resolution or reinvestigation of the disputed item ( s ). 

I am requesting that the CFPB take action to ensure XXXX XXXX complies with federal law and removes the disputed 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 2025-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I request a certified copy of the XXXX XXXX  corresponding to the notarization of a Trust, made between the years XXXX to XXXX, at one of the branches of JPMorgan Chase Bank in XXXX XXXX XXXX. One of the possible branches is at XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and the other in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Unfortunately, I do not have the name of the notary, but I would appreciate it if you could help identify him/her or redirect this request to the notary who was active between those dates. 
Thanks a lot Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Incident Timeline : Saturday, XX/XX/year> : While using the legitimate resale platform XXXX, where I had listed items to sell, I received a notification through the app prompting me to verify my identity as a seller. The request directed me to an external website via a link, which appeared legitimate due to the context and branding associated with XXXX. 
I was asked to provide my payment information, which I did, under the impression it was necessary to receive payments for my items.

After entering my details, I was directed to a chat window where I was told I would receive a one-time passcode ( OTP ) as part of a verification process. I was reassured repeatedly that : The transaction that would appear was for verification only and would disappear within seconds I would not be charged My funds were safe I initially hesitated and directly asked the representative if this was a charge. They reassured me several times it was safe and standard and a common verification method. Believing I was interacting with XXXX  support, I provided the OTP. 
The first transaction for {$1000.00} was processed, and I was told there was an issue and it needed to be repeated. Still reassured it would be reversed, I provided the second OTP. A second charge for {$510.00} was then processed.

I continued asking when the charges would be reversed. They claimed it would take 24 hours, but eventually stopped replying, at which point I realized I had been scammed Actions Taken : I contacted PNC Bank immediately and was told I needed to wait for the transactions to post before disputing.

I saw the transactions had been made through a website called XXXX which I had never used,
visited, or heard of before. I am not a gamer, do not have a gaming console, and do not own an account on XXXX or any gaming website. I
have never received any product or service from them.

That same day, I emailed tradeit.gg support to report the fraudulent transactions but received no response.

I did further research and found other complaints online describing suspicious activity associated with this site.

On Monday, XX/XX/XXXX, I went to PNC to close my card and get a new one.

On Tuesday, XX/XX/XXXX, I formally disputed both transactions with a PNC representative. 
The scam website that I originally visited was no longer online after the scam occurred ; it now shows a " Not Found '' error. Below is the link to the website that the scam happened on and is currently down : XXXX Disputed Transactions : {$1000.00} Processed through XXXX {$510.00} Processed through XXXX Total : {$1500.00} Additional Notes : I was manipulated under the pretense of a legitimate identity verification process while using a well-known platform ( XXXX  ). 
I never authorized any transactions with XXXX 
I have not received any services or digital goods in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim [ MY ACCOUNT WAS CHARGED OFF {$18000.00} WITH A BALNCE OWED OF {$14000.00} ]. This is a formal notice that your claim is disputed.

Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you.

Please provide the record that reflects the process by which my signature was generated/executed.

Any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief