vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I am contacting you because my Social Security number was compromised due to a data breach, and I have since identified fraudulent accounts and inaccurate information on my credit report. I have already filed a formal complaint with the Federal Trade Commission, which is included at the end of this letter. 

I am aware that consumer reporting agencies sometimes delay processing disputes based on the assumption that certain letters may have been prepared with assistance from a third-party, such as a credit repair organization. However, the law is clear : consumers have the right to seek help in exercising their rights, and there is no legal basis for denying or delaying a dispute because of this. 

Any correspondence you have received bearing my name was created with my full knowledge and consent, whether written directly by me or with the support of advisors acting on my behalf. Any unjustified delay or refusal to investigate and correct the disputed information will be regarded as a willful violation of the FCRA. 

Please treat this matter with the urgency and compliance it demands.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 contacting you because my Social Security number was compromised due to a data breach, and I have since identified fraudulent accounts and inaccurate information on my credit report. I have already filed a formal complaint with the Federal Trade Commission, which is included at the end of this letter. 

I am aware that consumer reporting agencies sometimes delay processing disputes based on the assumption that certain letters may have been prepared with assistance from a third-party, such as a credit repair organization. However, the law is clear : consumers have the right to seek help in exercising their rights, and there is no legal basis for denying or delaying a dispute because of this. 

Any correspondence you have received bearing my name was created with my full knowledge and consent, whether written directly by me or with the support of advisors acting on my behalf. Any unjustified delay or refusal to investigate and correct the disputed information will be regarded as a willful violation of the FCRA. 

Please treat this matter with the urgency and compliance it demands.

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 2025-05-19 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
This is regarding Apple Card dispute XXXX. I never received the items in that order. In fact the online Apple XXXX order status shows it hasnt been delivered and the other was placed XXXX XX/XX/year>XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-19 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 contacting you because my Social Security number was compromised due to a data breach, and I have since identified fraudulent accounts and inaccurate information on my credit report. I have already filed a formal complaint with the Federal Trade Commission, which is included at the end of this letter. 

I am aware that consumer reporting agencies sometimes delay processing disputes based on the assumption that certain letters may have been prepared with assistance from a third-party, such as a credit repair organization. However, the law is clear : consumers have the right to seek help in exercising their rights, and there is no legal basis for denying or delaying a dispute because of this. 

Any correspondence you have received bearing my name was created with my full knowledge and consent, whether written directly by me or with the support of advisors acting on my behalf. Any unjustified delay or refusal to investigate and correct the disputed information will be regarded as a willful violation of the FCRA. 

Please treat this matter with the urgency and compliance it demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Account number XXXX for collection with a XXXX XXXX XXXX on XXXX. Ive noticed some unauthorized inquires on my credit report with XXXX  that Id like removed. According to the FCRA, these unverified and unauthorized items must be removed. 
Also, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
I am writing to notify you that my Social Security number was compromised due to a data breach. As a result, fraudulent accounts and inaccurate information have appeared on my credit report. I have submitted a formal complaint to the Federal Trade Commission, which is enclosed for your reference. 

It has come to my attention that some consumer reporting agencies may delay or disregard dispute requests based on the assumption that such correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly establishes that consumers have the right to obtain assistance in exercising their legal rights. The use of third-party support does not constitute a valid reason to deny or delay a legitimate dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and authorizationwhether directly by me or with the support of individuals acting on my behalf. Any failure to investigate and correct the disputed information in a timely manner, as required by the FCRA, will be considered a willful violation of my rights. 

I urge you to handle this matter promptly and in full compliance with all applicable laws.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 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 2025-05-19 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: TN

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have been reported on my credit file. I have filed a formal complaint with the Federal Trade Commission, which is included at the end of this letter for your reference.

I am aware that consumer reporting agencies may delay or disregard dispute requests based on the assumption that the communication was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms that consumers are entitled to seek help in exercising their rights, and such assistance does not provide a lawful basis for delaying or denying a valid dispute. 

Please be advised that any correspondence submitted under my name was created with my full knowledge and authorizationwhether written by me personally or with the support of advisors acting on my behalf. Any unwarranted delay or failure to investigate and correct inaccurate information, as required under the FCRA, will be regarded as a willful violation of my rights. 

I respectfully request that you address this matter with the urgency and legal compliance it requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-19 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: MO

Complaint narrative:
I am writing to notify you that my Social Security number was compromised due to a data breach. As a result, fraudulent accounts and inaccurate information have appeared on my credit report. I have submitted a formal complaint to the Federal Trade Commission, which is enclosed for your reference. 

It has come to my attention that some consumer reporting agencies may delay or disregard dispute requests based on the assumption that such correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly establishes that consumers have the right to obtain assistance in exercising their legal rights. The use of third-party support does not constitute a valid reason to deny or delay a legitimate dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and authorizationwhether directly by me or with the support of individuals acting on my behalf. Any failure to investigate and correct the disputed information in a timely manner, as required by the FCRA, will be considered a willful violation of my rights. 

I urge you to handle this matter promptly and in full compliance with all applicable laws.

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 2025-05-19 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 writing to inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, a copy of which is enclosed for your reference.

I am aware that some consumer reporting agencies may delay or dismiss dispute requests under the assumption that the communication was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly affirms a consumers right to seek assistance in exercising their legal rights. The use of third-party support does not provide a lawful basis to deny or delay a valid dispute. 

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and authorizationwhether drafted directly by me or with the assistance of authorized representatives. Any failure to investigate and correct the disputed information in a timely manner, as required by the FCRA, will be considered a willful violation of my consumer rights. 

I respectfully request that you address this matter promptly and in full compliance with federal law.

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 2025-05-19 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: Experian Information Solutions Inc.
State: OH

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 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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, Im filing this complaint because I believe Chase unfairly closed my Chase Sapphire Reserve card ( ending in XXXX ) and is now refusing to let me transfer the XXXX Ultimate Rewards points I had on the account. 

Heres what happened : On XX/XX/XXXX, someone from Chase called me and said I needed to make a payment, or the account might be sent to collections. I specifically asked them : If I pay today, will my card stay open? They said yes. 

I made the payment that same evening from my Chase checking account, and it actually posted on XX/XX/XXXX. 

But when I logged into the app the next day ( XX/XX/XXXX ), I saw the card had already been closed no warning, no message, and despite the fact that I had paid exactly when and how Chase asked. 

When I called Chase on XX/XX/XXXX, the agent told me the account was closed due to returned checks. But thats not true I had no returned checks in XXXX. 

I called again on XX/XX/XXXX. That agent told me my points couldn't be transferred because the account was closed by the bank. Then they hung up on me. 

Some important context : Earlier this year ( XXXX ), I did have a few returned payments but they were caused by Chases own system changing my auto-payment settings without me knowing. 

It suddenly started pulling full statement balances from my XXXX XXXX  account, which didnt have enough funds. I never authorized that kind of auto-payment. 

On XX/XX/XXXX, I called Chase, fixed the auto-payment settings, and made a minimum payment. I thought the issue was resolved. 

I made my XXXX payment manually, in good faith, and it posted before the card was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief