vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate 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 2025-04-29 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: CA

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and suppress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 
I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests

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 2025-04-29 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: CA

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and suppress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 
I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests

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 2025-04-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balance {$2800.00} DATE OPEN : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$840.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX OPEN : XXXX XXXXXXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 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

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 2025-04-29 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: IL

Complaint narrative:
I am updating my complaint against Experian. 
Despite submitting documented proof that XXXX XXXX is falsely reporting my charged-off account with inflated balances after the charge-off date, Experian failed to conduct a reasonable reinvestigation as required under FCRA 611 ( a ).

Experian merely updated the reported balance from {$930.00} to {$950.00} without addressing the core issue that the account was charged off in XX/XX/year> and should not show growing past-due balances thereafter. 

XXXX actions violate FCRA 611 ( failure to reinvestigate ), 607 ( b ) ( failure to ensure accuracy ), and 611 ( b ) ( failure to provide a full description of their reinvestigation process ). 

I am requesting that Experian immediately delete the XXXX XXXX tradeline from my credit file due to failure to conduct a lawful investigation and furnish accurate 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 2025-04-29 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: VA

Complaint narrative:
I formally dispute the XXXX account ( # XXXX ) showing a repossession with a {$0.00} balance and the XXXX collection account ( # XXXX ) for {$130.00}, which lacks proper validation under the FDCPA, and I request immediate investigation and removal of both accounts in accordance with the FCRA if they can not be verified with complete and accurate documentation

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of delinquent payments and a charge-off on the above-referenced account as it appears on my credit report. 
This negative reporting is inaccurate and unjustified due to the circumstances surrounding the XXXX pandemic. I experienced a significant income disruption due to job loss, which directly impacted my ability to maintain regular payments. Under the CARES Act, signed into law on XX/XX/XXXX, and in effect until XX/XX/XXXX, amendments were made to the Fair Credit Reporting Act ( FCRA ) that prohibited adverse credit reporting for consumers affected by XXXX who made payment arrangements or sought hardship. 

During this period, I was actively seeking assistance and making efforts to communicate and resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
When my partner lost his job, we asked about loan reduction programs until we were able to make the loan payments comfortably. They told us to apply for a loan reduction program, and that it was guarantee that we would qualify. In the mean time they said we could pay XXXX for XXXX months to make up for the month we would miss while they were making a decision in loss mitigation they told us to ignore the statements they sent us about forclosure. We called atleast once a week to check and make sure we were doing everything right. They denied us loss mitigation or any programs and stated we could have never qualified from the beginning, yet they told us to apply. They then stated we owed them XXXX or we would be in pre foreclosure. When we called them with a HUD counselor they stated that we could pay whatever we could to catch up for those months we missed. So when we had asked after we paid everything for the month of for the latest month there was anything left, they stated there was XXXX XXXX left. Even though when we paid them we made sure there was nothing left for that month so we wouldnt be over our 90 days. They had hidden that there was a XXXX due from us and would have put us in pre foreclosure over a XXXX that they omitted to tell us was due. This month we called to make the payments we could, so that we would only be at the most XXXX payment behind. We told them on the phone very clearly that we were paying for the missing months and that when we called with the HUD counselors and them we were told we could do that. We confirmed when making payments that the money was going towards the missing payments. They no showed our phone call meeting we had set up with them today, and so we called XXXX ourselves again today and the representative stated they did not know what to do with that money so they just put it as credit. Meaning that next month they would be putting us past the 90 days. Please help. They lie to us and tell us different stories every time we talk to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
I am writing to request the deletion of certain information in my file, as listed below. Unfortunately, I have fallen victim to identity theft and did not make these transactions. As a result, I am seeking to correct my credit report to reflect the accurate information. 
I have reported this incident to the Federal Trade Commission and have attached a copy of the Identity Theft Affidavit provided by the FTC. I kindly request that you delete these items from my file as soon as possible to ensure the accuracy of my credit report. 
Please expedite this request, as I am eager to rectify this situation and protect my financial well-being. 
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 2025-04-29 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: AZ

Complaint narrative:
This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent removal of the following unjustified entries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-29 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a Comenity Bank/XXXX account with a {$4200.00} credit limit under a promotional 0 % APR offer for 18 months. I paid the {$4200.00} balance in full within the promotional period. 

Shortly after the promotion ended, I contacted XXXX to ensure the account was clear. Instead of confirming my full payment, they informed me that I now owe {$7200.00} an amount that far exceeds my original credit limit and is not supported by any clear explanation. 

I dispute the {$7200.00} balance as inaccurate, unfair, and possibly predatory. This balance appeared after full payment and without clear disclosures, in violation of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). 

I made a good-faith effort to negotiate directly with XXXX immediately after the promotional period, but they refused any explanation or settlement. 

I request immediate removal of the inaccurate {$7200.00} balance from my credit report and correction of my account status to reflect Paid in Full. 

I also request a full investigation into their lending and reporting practices related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

SEQUIUM - XXXX XXXX  XXXX - XXXX CCB/OPPLNS - XXXX List of Unauthorized Inquiries : XXXX  - XXXX BILL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  MTG XXXX XXXX XX/XX/XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  AUTO FIN - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I purchased XXXX travel through the Chase XXXX XXXX XXXX XXXX Chase credit card, which included trip interruption insurance provided by XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

During my trip, I developed an unexpected medical emergency a nasal hematoma XXXX was medically restricted from flying home. My doctor issued a formal letter dated XX/XX/year>, confirming the condition occurred during the trip, not prior. 

I filed a claim ( # XXXX ) XXXX submitted all requested documents, including medical records, receipts, XXXX the doctors letter. After nearly XXXX months of delays and multiple follow-ups, my claim was denied under a pre-existing condition clause. This is incorrect. I had no related condition before my trip. 

I called Chase XXXX Benefits, XXXX  in a recorded call on XX/XX/year>, a representative acknowledged that the hematoma occurred during travel XXXX  that I had no prior diagnosis. I was told the claim was closed XXXX  would only be reviewed again if I submitted a written dispute, which I did. 

I believe this denial was made in bad faith, with no proper review of medical documentation, XXXX in violation of the terms of the trip protection coverage. 

I am requesting a full investigation, reversal of the denial, XXXX reimbursement of the expenses I incurred due to this medical emergency. 

A recorded call with Chase XXXX Benefits on XX/XX/year>, confirming the key facts of this case is available upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-29 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: NV

Complaint narrative:
I am filling this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 response to consumer: Closed with non-monetary relief