vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  Account number - XXXX XXXX XXXX : Account number - XXXXXXXX XXXX  XXXX inquiries XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-03-02 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  Account number - XXXX XXXX XXXX : Account number - XXXXXXXX XXXX  XXXX inquiries XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-02 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-02 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

Sincerely, 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 2025-03-02 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: NY

Complaint narrative:
I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper investigation regarding multiple credit card accounts that do not belong to me. Despite disputing these accounts under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real investigation appears to have been conducted.

I have repeatedly provided evidence that these accounts are fraudulent or inaccurately reported, yet they remain on my credit report, negatively impacting my financial standing. I request that the CFPB step in to ensure a full and fair investigation is conducted and that these inaccurate accounts are removed from my report. 

Please let me know what steps can be taken to hold these agencies accountable and ensure compliance with federal law. Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the inaccurate and unverifiable collection account listed on my credit report under the name XXXX XXXX, with the following details : Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pursuant to 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this account from my credit report. This account is being reported inaccurately, and I demand that the credit bureau conduct a proper investigation. If the information can not be fully verified with legally admissible documentation, this account must be removed.

Furthermore, under 15 U.S. Code 1681s-2, data furnishers are prohibited from reporting inaccurate or unverifiable information. As the consumer, I never entered into any contractual agreement with the debt collector currently furnishing this account. Without my direct consent or a valid contract proving otherwise, they do not have the legal authority to report or furnish this debt in my name.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I hereby request full validation of the debt, including a signed contract proving I agreed to any obligation with the collection agency. If this documentation can not be provided, the collection agency has no legal standing to report this debt, and it must be permanently deleted from my credit file. 

As per the FCRA, you have 30 days to complete this investigation. If you fail to verify the accuracy of this debt and provide concrete proof of my contractual obligation, you must delete this account immediately from my credit reports with Experian, XXXX, and XXXX. 

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of my rights under the FCRA and FDCPA. 

I expect a written response confirming the deletion of this account within 30 days. Thank you for your prompt attention to 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 2025-03-02 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: CA

Complaint narrative:
To Whom It XXXX Concern, I am formally disputing the inaccurate and unverifiable collection account listed on my credit report under the name XXXX XXXX, with the following details : Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pursuant to 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this account from my credit report. This account is being reported inaccurately, and I demand that the credit bureau conduct a proper investigation. If the information can not be fully verified with legally admissible documentation, this account must be removed.

Furthermore, under 15 U.S. Code 1681s-2, data furnishers are prohibited from reporting inaccurate or unverifiable information. As the consumer, I never entered into any contractual agreement with the debt collector currently furnishing this account. Without my direct consent or a valid contract proving otherwise, they do not have the legal authority to report or furnish this debt in my name.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I hereby request full validation of the debt, including a signed contract proving I agreed to any obligation with the collection agency. If this documentation can not be provided, the collection agency has no legal standing to report this debt, and it must be permanently deleted from my credit file.

As per the FCRA, you have 30 days to complete this investigation. If you fail to verify the accuracy of this debt and provide concrete proof of my contractual obligation, you must delete this account immediately from my credit reports with XXXX, XXXX, and TransUnion. 

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of my rights under the FCRA and FDCPA. 

I expect a written response confirming the deletion of this account within 30 days. Thank you for your prompt attention to 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 2025-03-02 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal collections account opened at Fair Collections & Out on XX/XX/XXXX, under the account number ( XXXX ), and another collection account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : XXXX XXXX JPMorgan Chase XXXX Account XXXX and Denial of Earned Promotional Bonus On XX/XX/XXXX, a Chase Total Checking and Chase XXXX account were opened under Chases deposit bonus promotion. The terms were as follows : Checking Bonus ( {$300.00} ) Set up a direct deposit by XX/XX/XXXX. 

A {$25.00} employer direct deposit was made on XX/XX/XXXX. 
On XX/XX/XXXX, Chase credited the account with the {$300.00} checking bonus. 
On XX/XX/XXXX, Chase emailed confirmation of the bonus payout. 
Savings Bonus ( {$200.00} ) & Extra Bonus ( {$400.00} ) Total {$600.00} Pending On XX/XX/XXXX, a deposit of $ XXXX was made into the Chase Savings account to fulfill the promotional terms. 
The $ XXXX balance was maintained through XX/XX/XXXX. 
On XX/XX/XXXX, Chase emailed confirming that the account was on track to receive the remaining {$600.00} bonus. 
On XX/XX/XXXX, Chase mailed a letter stating that all accounts would be closed by XX/XX/XXXX, with no explanation given. After XX/XX/XXXX, accounts were closed, and online access was terminated. 

Despite full compliance with the promotional requirements, Chase refused to issue the remaining {$600.00} bonus. Chase also declined to provide any reason for the closure and refused to answer further inquiries. 

This was a deceptive marketing practice. Chase solicited deposits under false pretenses, then closed accounts before payout. Chase benefited from holding a $ XXXX deposit at an uncompetitive 0.01 % APY, while preventing the ability to earn a 4.2 % + APY elsewhere. The direct result was the loss of expected income, severe financial inconvenience, and unnecessary hardship. 

Financial Harm & Requested Resolution Lost Interest & Opportunity Cost The deposit was moved to Chase based on the expectation of the {$600.00} promotional bonus, and premature account closure resulted in XXXX compensation, despite full compliance. 
Adverse Financial Impact The loss of expected funds directly contributed to financial strain and food insecurity. This situation created an undue burden that should never have occurred. 
Unnecessary Expenses & Time Costs associated with filing this complaint have resulted in additional financial burden. 
Requested corrective actions : Issue the {$600.00} in earned bonuses ( {$400.00} + {$200.00} ) as per the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: IL

Complaint narrative:
An former employee fraudulently used my personal information to open a business credit card without my knowledge or permission. Now the cpmpany is coming to me to be responsible for the repayment of the account. Again, I never opened this account or authorized anyone to do so on my behalf. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have several times tried to get old writes off and closed accounts off my credit report and being that transition and equifax please have these remover off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
FASFA constantly harassing me. Company has not updated credit report as told.

Company response to consumer: Closed with explanation