vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all fraudulent accounts associated with my identity, The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/year> WITH BANK OF AMERICA I DID NOT ATHORIZE THIS INQUIRY ON MY REPORTS THIS IS FRAUD. 
I DID NOT GET NO ALERTS OR CALLS CONFIRMING THIS INQUIRY According to 15 US C 1692C you have violated my rights by in lawful communications. Please remove this collection off of my credit report thank 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-26 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my ChexSystems report. This information is incorrect due to fraud, as my XXXX XXXX  debit card was stolen and used without my authorization leading to an unjust negative entry on my record. 

The following account ( s ) should be investigated and removed : XXXX XXXX XXXX  fraudulent transactions leading to negative balance Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) I am requesting a full investigation into this matter. Attached, you will find copies of supporting documents, including : 1. A copy of my **police report** documenting the stolen debit card 2. My correspondence with XXXX XXXX and XXXX XXXX  disputing the fraudulent charges Because this information is incorrect and caused by fraud, I request that ChexSystems immediately remove the negative item from my record. If the disputed information is not corrected, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies under the **FCRA**. 

Please provide me with a written response confirming the results of your investigation within the legally required 30-day period. If you need any additional information, feel free to contact me. 

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 2025-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Have been trying to get my funds put back into my account I have been dealing a lot of run around when I have sent everything I needed an still they are not accepting the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Reporting Violation of 15 U.S.C. Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report regarding the account listed under XXXX XXXX XXXX. This account is being reported in a manner that is both erroneous and damaging, violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ).

The reported late payments and status updates on this account are inaccurate, unverifiable, and misleading. Under the FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the maximum possible accuracy of the information they report. Since this account has been closed and paid, there is no lawful reason for continued derogatory reporting. Furthermore, the failure to properly verify and correct this inaccurate information violates my consumer rights.

I demand the immediate removal of this account from my credit file within 30 days, per 15 U.S.C. 1681i ( a ) ( 5 ), which mandates deletion of any unverified, incomplete, or inaccurate items. If Experian fails to comply, I will have no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action against all responsible parties for willful noncompliance under 15 U.S.C. 1681n. 

I'm Requesting this information in my investigation. 
XXXX Who did Experian interview regarding this account? 

XXXX. How did you come to this determination? 

XXXX What number did you call? 

XXXX. Provide a detailed explanation of the investigation process and include supporting evidence to validate the information in question. 

XXXX.Send me an updated copy of my credit report that reflects any changes made. 

Attached, you will find a copy of my credit report with the disputed account highlighted. Additionally, I am enclosing copies of supporting documents to prove my claim. I expect written confirmation once the deletion has been processed. 

Failure to act within the legally mandated time frame will leave me with no option but to seek damages for defamation and reckless reporting under 15 U.S.C. 1681o. I strongly advise you to comply promptly. 

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 non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 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: FL

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft XXXX Act # XXXX XXXX Act XXXX XXXX XXXX XXXX XXXX Act XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings . Thank you for your timely compliance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Complaint Against Capital One for Unfair Chargeback Denial Issue : I am filing a formal complaint against Capital One for unfairly denying my dispute regarding a contractor, XXXX XXXX, who failed to complete the contracted work on my property. Despite providing substantial evidenceincluding a signed contract, text messages, photos, and detailed documentationXXXX XXXX rejected my chargeback request without valid justification. 

From the beginning, XXXX XXXX exhibited multiple breaches of contract, negligence, and unprofessional conduct, leading to financial losses on my end. The contractor : Failed to obtain necessary permits, despite the fact that I had paid her specifically for them as outlined in our contract. After receiving payment, she removed herself from the permit, leaving me with additional costs and delays. 
Lost property keys without attempting to rectify the situation. 
Consistently missed deadlines and demanded more money upfront despite prior payment. 
Mismanaged materials, resulting in losses and forcing me to repurchase supplies. 
Failed to pay subcontractors, leading them to seek payment directly from me. 
Left the worksite in unsafe conditions, causing my injury.

Did not follow building codes, using improper window sizes and forging an engineers signature.

Left almost all work unfinished despite being fully compensated. The vast majority of tasks outlined in the contract were not completed at all, forcing me to find and pay another contractor to redo the work.

I provided Capital One with this detailed account along with supporting evidence, yet they still denied my dispute. This decision contradicts consumer protection laws, which allow chargebacks for services not rendered or performed negligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
i am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and 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 investigates 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 disputed and inaccurate information without explanation Failing to notify consumer about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaacurate information on credit reports.I am deeply concerned that my disputes may be mishandled in a similar manner please review the inaccurate information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am filing a formal complaint against Bank of America regarding an unauthorized transfer of {$9900.00} from my personal checking account to a charged-off business credit card with the same institution. The transaction occurred on XX/XX/year>, without my consent or prior notice. I did not authorize this transfer, and I was not given an opportunity to dispute it before the funds were removed from my account.

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 2025-03-26 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: SC

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank notified me in XX/XX/year> that my accounts would be closed. I was not given a reason. I was customer for over 30 years. I never did anything wrong. my accounts were always in good standing. 

My checking account, my home equity line of credit, my credit card were all closed for absolutely no reason. 

My son 's account, we have similar names and same address was also closed with no reason given. 

I've suffered XXXX months of aggravation and hardship changing over banks and changing close to XXXXXXXX XXXX XXXX. A couple of XXXX XXXX changes resulted in late payments to utility company 's. I pride myself on never being late with a payment! XXXX has been paid monthly in full for over 49 years!!! My FICO score is XXXX!!! 

my wife 's credit card at XXXX which is run by Citi was just closed yesterday. 

Citi Bank personnel were rude, unhelpful and arrogant.

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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Disputed and they commented " Dispute resoved, customer disagrees ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of 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 non-monetary relief
Consumer complaint received 2025-03-26 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: LA

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 non-monetary relief