vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Complaint Against Experian and/or XXXX XXXX XXXX  for Inaccurate Credit Reporting To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX for inaccurate and misleading credit reporting regarding my credit card account The information being reported violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires data furnishers to report only accurate and complete information to the credit bureaus. 

Summary of Violations : 1.Repeated and Improper Charge-Off Reporting : This account was charged off in XX/XX/XXXX. However, XXXX XXXX XXXX has continued to report a charge-off every month since then, including XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX. 
A charge-off is a one-time event and should not be repeatedly reported each month, as this artificially extends the negative impact on my credit report. Another point is that this creditor data is not accurate each of my credit reports has a different date as far as last activity date. However experian fail to do a proper investigation cause more financial damage. 
2.Violation of FCRA Reporting Standards : This practice is considered re-aging the debt, which is illegal under the FCRA.

Under 15 U.S. Code 1681o, XXXX XXXX XXXX  may be liable for negligent noncompliance for failing to report accurate 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 2025-03-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-03-05 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: FL

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 mental anguish that 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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding ongoing harassment from Aldous & Associates over a gym membership that I canceled in XXXX. Despite my cancellation, I have been repeatedly contacted about payments, and this has continued for years. 

It is absolutely frustrating and unacceptable to still be receiving calls and notices over a membership that was canceled during an uncertain time with XXXX. I fulfilled my obligation to cancel, and I should not have to deal with relentless harassment over a service I no longer use or owe anything for. 

This has gone on far too long, and I am demanding immediate resolution. I request that Aldous & Associates and XXXX XXXX ( XXXX, AZ ) cease all contact, remove any outstanding balance ( if applicable ), and stop any collection efforts immediately. 

Please investigate this issue and take the necessary action to ensure I am no longer harassed over this matter. I expect a prompt response regarding how this will be resolved. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Credit card company closed 2 accounts with no warnings. Debt to income ratio good, 100 % payment history. Long time costumer. Did not do a full investigation on credit report before closing my account. This in turn will hurt my score

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 2025-03-05 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: MO

Complaint narrative:
This complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ) to request that TransUnion, XXXX and XXXX the credit reporting agency, block fraudulent information from my credit report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. The fraudulent items in question include a personal credit card account opened with XXXX XXXX  opened XX/XX/XXXX, an auto loan account opened with XXXX XXXX  on XX/XX/XXXX, An Auto loan account opened with XXXXXXXX XXXX XXXXXX/XX/XXXX, and a Credit card account with XXXX XXXXXX/XX/XXXX, related to the aforementioned loan. These fraudulent accounts have caused multiple hard inquiries and collections to appear on my credit report. I do not recognize any of these accounts, collections, or inquiries, as they were not opened or authorized by me. All of these entries are the result of identity theft and fraud. Attached are copies of the hard inquiries, my FICO credit report showing the fraudulent items, and the FTC Identity Theft Criminal Complaint, which verifies that these actions are a result of identity theft and fraud.

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 2025-03-05 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-05 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:
It has come to my attention that your company has placed inquiries on my credit report without my consent. I am extremely frustrated by this and demand an immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I tried to open two bank accounts with TD bank. The first account I opened was on XX/XX/XXXX but it was closed down XX/XX/XXXX not even a full 24hrs later. I was not able to make any deposits, withdrawals, or even use the debit card I had received in the mail. Which leads me to filing this complaint because if nothing fraudulent happened to this account ending in XXXX why would you put in in XXXX XXXX XXXX as if I did something fraudulent or broke a bank rule on this account. The other account Im disputing ends in XXXX and its the same thing and same result the only difference is I opened the account ending in XXXX on XX/XX/XXXX and it was closed down on XX/XX/XXXX. So this account wasnt even open open for 72 hours then closed down without any deposits or withdrawals being made at all. Im filing this complaint because these two accounts ending in XXXX and XXXX were unjustly put into XXXX XXXX XXXX and I need this unjust deed to be made right. Nothing happened with those accounts at all so the gall of TD bank to put them into XXXX XXXX XXXX as if I did something wrong with accounts ending in XXXX and XXXX is wrong. At this point Im willing to lawyer up if TD bank keeps up the shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-05 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:
Please check and review the information concerning the Equifax data breach below in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband had his social security check deposited to JP Morgan Chase on XX/XX/XXXX in the amount fo {$2100.00}. My husband, XXXX XXXX, passed on XX/XX/XXXX, which is why that check was put on hold by Chase after being alerted by the social security administration on XX/XX/XXXX. At the end of XXXX, I had finalized all other issues with getting spousal benefits with social security, and received all funds due from social security in XXXX for months after XXXX 's passing, but the check at Chase was still on hold. 

In early XXXX I notified the Chase estate team that they should release the hold, as the banking team told me that they could not release it. The estate team told me that the money was sent to social security, and that I needed to talk to social security, as they did not have the funds any longer ( they said I should fill out a form XXXX to claim funds ). I contacted social security and found out that the funds had never been sent back to social security from Chase. Upon talking to the estate team AGAIN, this time they told me that I needed to fill out a form XXXX to get the funds released. I contacted social security, set up the first appointment on XX/XX/XXXX of XXXX, filled out and got the form signed, and then took the form to the Chase branch office on XXXX XXXX XXXX in XXXX XXXX, CA. They contacted the estate team and faxed the form to them. I was then told that the funds would be released in my account ( checking XXXX ) the next business day. On XX/XX/XXXX, the funds were DEBITED from my account instead of just having the hold released, and SENT BACK to social security! 

I spoke to the estate account teams # times in the last week, and the only resolution hI have been given is that now I need to go to social security and claim the funds directly from them ( have another check issued ). This is unacceptable, as this was their screw up. This is a fairly regualr occurance that I would assume the estate team at Chase can manage. I followed all of their process circles to get it resolved only to end back at square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Email : XXXX Phone : XXXX Date : XX/XX/XXXX CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX D.C. XXXX Subject : Complaint against TransUnion for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX  XXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation.

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

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 2025-03-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX ph : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reporting a hand request a thorough investigation into these inaccuracies, as required by Federal Law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputes properly. Reinserting previously disputes and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-06 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$8300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$22000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$17000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00}

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