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: LA

Complaint narrative:
I have requested removal of accounts that do not belong to me. I have sent the credit reporting agency a copy of my driver 's license, social security card, entire police report and address. The accounts in question are, Chapter XXXX bankruptcy filed XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX 

I have sent certified mail all documents including list, proof of identity, identity theft report from the FTC and police report that was signed for at the company. However, the credit, bureau has not removed the incorrect information related to the identity thest that has occured.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My address is in correct on my credit report. 

Please update it to the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management has NEVER sent me an actual bill they have already taken me to court for a warrant In Debt, that I just received on XXXX XXXX and have to be in XXXX XXXX XXXX First court papers Ive ever received. No bills no letters just this after supposedly getting served in XX/XX/XXXX and XX/XX/XXXX First time ever getting anything from courts I do not know who they are collecting for first of all. Second I do Not believe this debt is mine nor valid. Showing on credit Bureaus as open and open balances. 
Midland credit management has also taken it upon themselves to change my fathers address to mine and Im getting bills for him but I have never received one in my name. 
His name/address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit reporting agencies Equifax, Experian, and TransUnion, are inaccurately reporting late payments for my account with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reviewed my records and do not believe these payments were late. I submitted a formal dispute requesting each bureau conduct a thorough investigation and verify this information with the original creditor. 

I also asked for documentation, such as billing statements or payment recordsproving the alleged late payments. So far, none of the bureaus have provided this proof, and the inaccurate late payments are still being reported.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All three credit reporting agencies Equifax, Experian, and TransUnion, are inaccurately reporting late payments for my account with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reviewed my records and do not believe these payments were late. I submitted a formal dispute requesting each bureau conduct a thorough investigation and verify this information with the original creditor. 

I also asked for documentation, such as billing statements or payment recordsproving the alleged late payments. So far, none of the bureaus have provided this proof, and the inaccurate late payments are still being reported.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are SEVERAL unauthorized accounts reporting to my credit report. This is hindering my credit image and keeping my score down. I have tried to resolve this with all 3 credit bureaus TRANSUNION, EXPERIAN, EQUIFAX and they refuse to help. I am a hardworking mom that is looking to improve my life and these accounts are negatively impacting my score and general life. I need help with these accounts as i tried to do all i can do at this point. As i know i am protected under law 15usc1692 section 807.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX. I am certifying and contesting that this letter has been sent with my free will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. These items that appear on my credit report do not belong to me. Due to you all reporting these items and incorrect information on my report, these items have caused harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

The following accounts appear on my credit report and require verification : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Pursuant to FCRA Section 609, I am requesting : A copy of the original contract bearing my signature for each of the listed accounts. 
The name and address of the original creditor. 
Any records associated with the origination of these accounts Additionally, I am invoking my rights under FCRA Section 605B regarding identity theft. This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent accounts from my reports within FOUR days of receipt of this letter as they do not relate to any transactions that I have made. 

Enclosed are copies of my government-issued identification and the necessary documentation to facilitate this investigation. Please conduct a thorough review and provide a written response at your earliest convenience. 

Sincerely, XXXX 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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX. I am certifying and contesting that this letter has been sent with my free will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. These items that appear on my credit report do not belong to me. Due to you all reporting these items and incorrect information on my report, these items have caused harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

The following accounts appear on my credit report and require verification : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Pursuant to FCRA Section 609, I am requesting : A copy of the original contract bearing my signature for each of the listed accounts. 
The name and address of the original creditor. 
Any records associated with the origination of these accounts Additionally, I am invoking my rights under FCRA Section 605B regarding identity theft. This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent accounts from my reports within FOUR days of receipt of this letter as they do not relate to any transactions that I have made. 

Enclosed are copies of my government-issued identification and the necessary documentation to facilitate this investigation. Please conduct a thorough review and provide a written response at your earliest convenience. 

Sincerely, XXXX 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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear Sir/Madam / URGENT My name is XXXX XXXX and Im reaching out to file a formal complaint on a debt collection agency known as Jefferson Capital systems LLC I had an account a company called XXXX  XXXX back in XXXX unfortunately the card was lost/stolen and I wasnt aware that it was no longer in my possession until I pulled my credit last week and realized that there was an outstanding amount of {$510.00} charged to that card almost XXXX XXXX ago, I reached out to this company Jefferson capital systems llc to see what the status of this was as I never received any mail, emails, telephone calls, text message, no mails to post office or anything of that sort. No one contacted me that there was an outstanding balance on this card, I placed a dispute on this but I got no response so I called the company to find out more about this erroneous debt and was told that they used to have the debt but had since sold the debt to another company called true accord ( XXXX ). I called and spoke with a mattew on XX/XX/XXXX and was told that they did not have a record of any debt sent over from Jefferson capital systems llc on me. I gave all of my vital information like my name, phone number, address, email, everything that they asked for in order to identify me and my outstanding debt yet they insisted they had nothing on file for me. No records of any outstanding debts which belonged to me. I even had Jefferson capital systems who appears on my credit report to contact this company called true accord and they also confirmed that they did not have a file for me, I was placed on a very long hold by XXXX at Jefferson capital after I asked her to send me a letter stating that there were no outstanding debts neither with Jefferson capital nor true accord and XXXX insisted that I still needed to wait for someone else in the company to send me that letter who never came back to the phone, I advised XXXX that i was going to make a formal complaint to the CFPB because the stateute of limitation expired since they last place me with the credit bureaus XXXX of XXXX, I have made a request to XXXX to have this erroneous debt removed and she told me that as they do that have my debt any longer I need to have true accord who at this point does not have any debt for me to work out a payment plan in the next 3 to 4 weeks at this point I do not want to wait any longer since its been over XXXX XXXX, Id like for them to delete this from all 3 credit bureaus as it is impacting me negatively and XXXX unable to get the job I need as its showing on my credit. Thank you very much Yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The IRS Sent A Written Tax Indemnity To XXXX XXXX XXXX XXXX Claimant XXXX Tax Year FRAUD Wells Fargo NA XXXX Oregon Cybercriminal Breach of Trust in Unathorized 1099 Illegal Mortgage Indemnity Wells Fargo Is Required To Investigate This Horrific Financial Character Assination By Identity Theft and Fraud Wells Fargo Mediation Specialist XXXX XXXX HACKED My Information by Written Statement in XX/XX/XXXX Final Settlement Payment in Mediation Director First Settlement To Claimant in XXXX Debit Card Fraud Indemnity To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo NA  XXXX  XXXX Iowa To Illegal Proctor Cybercriminal HACKER at XX/XX/XXXX Wells Fargo NA XXXX XXXX XXXX XXXX Oregon The FBI XXXX Is Currently Investigating Wells Fargo NA XXXX Fraud In Information Theft By XXXX XXXX Double Indemnity by Wells Fargo NA XXXX XXXX CA Director of Cybercriminal Fraud Claimant XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My Attorney Will Seek ALL Damages In Criminal and Civil Litigation For This Horrific Attack Since XXXX Immediatley!!!

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: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
My Charles Schwab account was closed and reported to XXXX due to a negative balance that occurred from a third-party error. XXXX XXXX submitted a duplicate ACH debit, which I did not authorize. This caused my Schwab account to overdraft and eventually be closed. 

I resolved the full balance, and this situation was not caused by intentional misuse or fraud. Despite this, Schwab reported me to XXXX, which is now preventing me from opening bank accounts. 

I contacted Schwab and requested they submit a deletion request to XXXX based on the unauthorized nature of the transaction and full immediate repayment. They refused, stating it is against policy, despite having the ability to request removal. 

Im requesting the CFPBs assistance in having this entry removed from XXXX, as it was triggered by an external error, was fully paid, and is unfairly impacting my financial access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email on my XXXX account from two home service providers, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX . I received several emails as part of a class-action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information exposed on the dark web using XXXX and XXXX XXXX software by XXXX XXXX , XXXX of XXXX  XXXX XXXX . These hacks caused unauthorized debt to be posted to my personal line of credit associated with the last four digits of my SSN, which is used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my personal life, and I am requesting that the leading credit bureau Experian delete reported items due to a violation of privacy laws by the Federal Trade Commission. Additionally, my criminal record that exists in the XXXX XXXX Government Clerk of Courts system needs to be deleted as it hinders my ability to be gainfully employed and to pursue economic wealth and prosperity in the United States of America. I respectfully request that the state prosecutor review and amend the charges to be expunged, as XXXX XXXX is being misused by public elected officials. I am writing to formally dispute a fraudulent auto loan appearing on my credit report. This unauthorized loan was obtained using my Social Security number ( SSN ) without my knowledge or consent. A copy of my credit report highlighting this inaccurate entry is attached for your review.

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: CA

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX ( Account XXXX XXXX as shown on your 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 non-monetary relief