vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: IL

Complaint narrative:
hello, I had confirmed with the person I spoke to on XX/XX/year> I had a fraud made on my transactions, then he checked if all my information was correct, but then I had stated my address was different I received an email on the address of XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXXXXXX XXXX XXXX XXXX XXXX which was corrected by me to customer service representative. this mail is important to me. I don't know why it was sent to the wrong address. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Subject : Urgent Notification - Challenge Regarding Questionable Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : * * Creditor/Collection Agency Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: NV

Complaint narrative:
In XX/XX/year>2025, I paid all my bills online, including my mortgage. In XXXX, I noticed I had a late payment through a website because my mortgage company never notified me. 
It's the only late payment on my credit report. 
I contacted them and requested a removal, and they said they will not remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
I am writing to file a complaint against EXPERIAN & EQUIFAX regarding incorrect information I received. The issue began on XXXX2025, when I received conflicting or erroneous wrong information about my personal information. 

EXPERIAN * Name * XXXX XXXX XXXX XXXX * Address * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EQUIFAX * Name * XXXX XXXX * Address * XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have been a Chase Sapphire Reserve cardholder for over 8 years. On or around XX/XX/year>, Chase abruptly closed my credit card account without any prior notice or explanation. I discovered this when I was suddenly unable to make purchases or access my available credit. 

After contacting customer service, I was informed that the closure was due to multiple disputes I had made on the account. However, each of these disputes was initiated only after I called Chase and was advised by a representative to file them. At no point was I ever warned that filing too many disputesespecially ones made under their guidancecould result in my account being flagged or closed. 

As a result of this closure, I lost my {$550.00} annual fee, which had already been charged, and my entire rewards balanceworth approximately {$500.00} in travel points. I also attempted to apply for a new credit card through Chase, but I was denied due to this unexpected closure. I spoke with a representative named XXXX on XX/XX/XXXX ( extension XXXX ), but I have not received any further assistance or resolution. 

I am requesting that this matter be reviewed. Ideally, I would like my account to be reopened, or for Chase to issue me a new credit card and reinstate both my annual fee and rewards points. I was not made aware that following Chase 's own dispute process could jeopardize my account standing, and I believe this was mishandled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and Metro 2 Guidelines Dear [ Experian ], This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ). 

I am requesting an immediate investigation and deletion of the following negative item that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) # # # Disputed Account [ XXXX ] Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted.

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, you are required to provide itemized validation notices and ensure all communications comply with debt rules. Any account that has not followed these rules can not be legally reported.

I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections # # # If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the CDIA guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

You have 30 days to complete this reinvestigation and provide a response, as required by law.

Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process 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 2025-05-01 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), establishes congressional findings and the Act 's purpose, emphasizing the importance of fair and accurate credit reporting for the banking system.

The Credit Reporting Agencies are allowing Furnishers to violate the law ( FCRA ) and my consumer rights in an unfair way by conducting sham investigations and not holding Furnishers accountable to their responsibilities under 15 U.S.C. 1681s-2 ; The following Furnishers has failed to notice or validate debt in violation of 15 U.S.C. 1692g. Furnisher are in violation of 15 U.S.C. 1666b for reporting late payments on an open end credit plan without delivering 1637b notices before due dates. Furnishers are also reporting excluded information " solely as to the transactions and experiences between the consumer and the person making the report ; '' in violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ).

I made Cease and Desist request to all Furnishers until the BILLING ERROR RESOLUTION PROCESSES were complete. Furnishers are in violation of those 15 U.S.C. 1692c ( c ) Cease and Desist requests as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The Credit Reporting Agencies have also verified the following accounts without providing Methods of Verification per Section 611 of the FCRA, in violation of 15 U.S.C. 1681i ( a ) ( 7 ) ; 1. Account name 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 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), establishes congressional findings and the Act 's purpose, emphasizing the importance of fair and accurate credit reporting for the banking system.

The Credit Reporting Agencies are allowing Furnishers to violate the law ( FCRA ) and my consumer rights in an unfair way by conducting sham investigations and not holding Furnishers accountable to their responsibilities under 15 U.S.C. 1681s-2 ; The following Furnishers has failed to notice or validate debt in violation of 15 U.S.C. 1692g. Furnisher are in violation of 15 U.S.C. 1666b for reporting late payments on an open end credit plan without delivering 1637b notices before due dates. Furnishers are also reporting excluded information " solely as to the transactions and experiences between the consumer and the person making the report ; '' in violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ).

I made Cease and Desist request to all Furnishers until the BILLING ERROR RESOLUTION PROCESSES were complete. Furnishers are in violation of those 15 U.S.C. 1692c ( c ) Cease and Desist requests as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The Credit Reporting Agencies have also verified the following accounts without providing Methods of Verification per Section 611 of the FCRA, in violation of 15 U.S.C. 1681i ( a ) ( 7 ) ; 1. Account name 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief