vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I have been going through Identity theft since the year XXXX. Recently my personal information has been leaked in multiple data breaches including Equifax ( engagement number XXXX ), Experian, XXXX, and XXXX XXXX. I received my consumer report and saw an inaccurate account being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not permitted you to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for review or collection.

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 2025-04-12 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: CA

Complaint narrative:
I have been going through Identity theft since the year XXXX. Recently my personal information has been leaked in multiple data breaches including Equifax ( engagement number XXXX ), Experian, XXXX, and XXXX XXXX. I received my consumer report and saw an inaccurate account being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not permitted you to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX **** Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a collection account that continues to appear on my XXXX credit report. Despite multiple disputes, XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX has failed to provide proper documentation proving that this account belongs to me. The account is marked as verified without any actual validation or evidence supporting its legitimacy, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have no knowledge of this debt, and to date, no supporting documentation has been provided. I am requesting immediate action to remove this unverifiable account from my credit report.

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 2025-04-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Violation of Consumer Rights under the Gramm-Leach-Bliley Act Unauthorized Disclosure of Non-Public Personal Information I am writing to formally dispute and express serious concern regarding the unauthorized sharing of my non-public personal information ( NPI ) with third parties, including credit reporting agencies such as Equifax, XXXX, and XXXX. As a consumer, I was not provided with a clear and conspicuous opt-out notice, nor was I given a reasonable opportunity to exercise my right to prevent the disclosure of my personal information to non-affiliated third parties, as required by the Gramm-Leach-Bliley Act ( GLBA ), Title V, Subtitle A. My Personal Information, financial information, IRS docs, also Financial Assistance such as grants and loans were accessed without my consent which is a violation to the FCRA, the principles or privacy and purpose limitations can also apply to situations involving unauthorized access to financial aid data. 

Under the GLBA, financial institutions are required to : Provide initial and annual privacy notices that clearly explain their information-sharing practices. 
Offer consumers a reasonable means to opt out of the sharing of XXXX with non-affiliated third parties. 

I did not receive such notice or the opportunity to opt out, and as such, any sharing of my personal information without my explicit consent constitutes a violation of federal privacy laws. 

Accordingly, I request the following : 1. A detailed explanation of what personal information was shared, with whom, and for what purpose.

2. A copy of any opt-out notice you claim was provided to me.

3. Immediate cessation of any further disclosure of my XXXX to non-affiliated third parties.

4. Written confirmation that my opt-out rights are now being fully honored and that no future disclosures will occur without proper notice and consent.

5. Cancellation of Student Loan Debt due to this data breech which invaded my PII and Financial information without my consent. 

If this matter is not resolved promptly, I will be forced to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory authorities. 

Please consider this letter a formal dispute and request for compliance under the GLBA. I expect a written response within 30 days of receipt of this letter, as required under applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IN

Complaint narrative:
It is imperative that this account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter.Below, I have outlined the specific details of the account that require correction : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint regarding a billing dispute I had with Chase involving an international merchant. I ordered three ( 3 ) three-piece suits from a merchant overseas. After receiving the items, I contacted the merchant to request a return because the suits did not fit as described. 

The merchant responded and provided me with the shipping address, recipient name, and email for the returnlocated in XXXX. I followed their instructions and shipped the package via XXXX. Shortly afterward, I was contacted by XXXX indicating that the package was being held in customs and they needed the recipients information again to process it. I promptly provided the same recipient name, phone number, and email that the merchant originally gave me. 

Since then, I have not received a refund or any further communication from the merchant. I disputed the transaction with Chase, providing details of the return process and showing that I followed the merchants instructions exactly. However, Chase denied my dispute on the grounds that the merchant had not received the returned merchandise. 

This outcome is unfair. I returned the merchandise in good faith using the exact information given by the merchant. If the merchant failed to receive the package, it is likely due to the incorrect or incomplete return information they provided to me. I should not be penalized for the merchants error or negligence in this matter. 

I am requesting CFPBs assistance in having Chase revisit this case and provide a fair resolution, given that I followed all proper procedures and made a legitimate attempt to return the merchandise. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: SC

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 2025-04-12 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:
I used Experian to remove a collection and they declined. My XXXX is on a collection. 
According to 15 USC 1692 c they have violated my rights by in lawful communications please remove this collection off of my credit report

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I tried to resolve this situation with each company on XXXX XXXX XXXX, asking each company to remove these items from my credit report, which I am not responsible for. I was also affected by the data breach with the credit bureaus, and these agencies are violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them, but they are violating my rights. I am entitled to {$1000.00} for every violation I listed, and they either pay me or delete these accounts ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
I am filling these formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$760.00} XXXX  XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX Reported : XXXX XXXX  Reported : XXXX XXXX Reported : XXXX XXXX XXXX  Reported : XXXX XXXX Reported : XXXX XXXX Reported : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have purchased a few items via PayPal and as part of the consumer protection guarantee, i have ample evidence that I did not receive the items, including the most prominent one, that the carrier shows delivery place to be something other than the shipping address. Yet PayPal refuses to decide the dispute in my favour and I suspect it is because they are now doing this to secretly support the business they serve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I Have Ordered A Product From a website called XXXX XXXX on XX/XX/XXXX XXXX on the website it said it would take 1-9 days to Ship my Order. Its now day 13 Ive been contracting the seller and hes been Ignoring all my texts and Emails. I contacted the bank to file a dispute And They closed my dispute In less than 24 Hours and didnt give me a Valid reason of why my dispute was closed. They told me I wont be able to receive My Money Unless the seller Refunds it for me after I told them That The seller been Ignoring me for DAYS!!! The bank ( Wells Fargo ) then told me theres no way XXXX wont be getting my Money with them. I have contacted the seller again and Still no response. please help!!

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 2025-04-12 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: LA

Complaint narrative:
I am reporting a serious violation of federal consumer protection laws. I am a victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC Report # XXXX ). My credit report contains fraudulent accounts and inaccurate information, specifically from the Department of Education, and my score recently dropped over XXXX points. 
Despite sending multiple dispute letters to Experian, Equifax, and TransUnionwith supporting documentation including my FTC Identity Theft Affidavit and affidavit of non-liabilitythe credit bureaus have not corrected the information or completed a lawful reinvestigation as required.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 1681i failure to investigate and remove disputed items within 30 days, 1681c-2 failure to block fraudulent information upon identity theft report, 1681s-2 failure of furnishers to report accurate info or correct errors. 
I am also invoking Louisiana Revised Statutes 9:3568 and 51:3071 related to false credit reporting and failure to secure my identity data.

I demand immediate investigation and deletion of all inaccurate or fraudulent data, restoration of my credit score, and confirmation in writing of 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 2025-04-12 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, Equifax has inaccurate data with addresses that I am not associated with, Has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. C 168Tc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Credit companies continue to report inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Credit companies continue to report 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 explanation
Consumer complaint received 2025-04-12 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: MA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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