vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper investigation of my dispute and against XXXX XXXX XXXX for repeated inaccurate reporting on my credit file. 

Issues with Experians Investigation Process : - I have uploaded supporting documents multiple times, yet when I request confirmation, I am repeatedly told that Experian never received them. 
- Each time I call Experian for an update, I receive different and conflicting information from their representatives. 
- Despite my continued efforts, Experian has not conducted a proper reinvestigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  repeatedly opens and closes this account while continuing to report it as a collection. 
- The company does not have my correct address, despite me residing at the same location for over seven years. 
- Credit reporting discrepancies exist between agencies. If the reported information were accurate, it would be the same across Experian, Equifax, and XXXX, but each agency reflects different data. 

Regulatory Violations & Experians Legal History : Experian is legally required to properly investigate disputes under FCRA ( 15 U.S.C. 1681i ) but has failed to do so. The CFPB has previously sued Experian for deceptive practices in its reporting process, yet these violations continue to harm consumers like myself. 

Requested Action : I request that the CFPB intervene and ensure Experian properly investigates my dispute by reviewing the documents I uploaded. I also request that XXXX XXXXXXXX XXXX  be held accountable for repeated inaccurate reporting and that all inconsistent or incorrect information be corrected or removed from my credit file immediately. 

Failure to resolve this issue in accordance with FCRA regulations will leave me no choice but to escalate this complaint further.

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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Negative impact on credit report due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
My personal information was apart of multiple data breaches and there are items on my report that I didnt not authorize and I did not consent to. Ive reached out via phone calls to Equifax, Transunion and experian to get these resolved and to provide documentation to validate these items as well as disputed multiple times and I havent received any documentations. According to FCRA 15 U.S.C 1681 my consumer privacy rights have been violated and my credit report is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
My information was exposed during the data breach.Experian has allowed this company to fraudulent put this account on my credit report without during a real investigation. 

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with EXPERIAN, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am following up on my complaint against Chase Bank because they still have not provided a clear resolution. Today, XX/XX/XXXX, at XXXX XXXX, I received a call from Chase Bank executives. The person I spoke with was XXXX. Chase Bank offered a resolution, asking if they could now send the funds back to the original sender. I denied this option because I had already suggested it earlier when I was trying to resolve the issue, and Chase Bank refused at that time. After months of making me wait, dealing with financial stress, and having to borrow money just to get by, Chase Bank is now suddenly offering this as a solution. This is not acceptable because my issue is no longer with the sender it is with Chase Bank and how they have mishandled this entire situation from the beginning. 

Chase Bank also asked if any agent had ever notified me that my funds were being held because my XXXX  was registered after the check was issued. Chase Bank also mentioned that there were things on a surface level, which made it seem like they still arent being fully transparent about why my funds are being held. 

This entire experience has caused me serious financial hardship. I have missed bills, accumulated late fees, and had to borrow money just to stay afloat. On top of that, Chase never mentioned anything about my request for {$8000.00} in compensation. Chase Banks continued failure to address this issue shows clear neglect. They have disregarded my financial well being, ignored my compensation request, and allowed this situation to drag on for months with no resolution. Their lack of urgency and accountability has not only caused me financial strain but has also created unnecessary stress that could have been avoided had they handled this properly from the start. If Chase Banks continues to delay I have no choice but to pursue legal actions. 

I am asking for CFPBs urgent help in holding Chase Bank accountable and ensuring this matter is resolved immediately. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX, and yes the date is correct. I had a problem paying this predatory loan in the beginning. In XXXX I paid the bulk of this loan which should have paid off the loan. I have requested an audit several times and I have also asked them to remove this from my credit file because they haven't provided me the information I requested. I sent a certified letter in XX/XX/XXXX and still to date I haven't received an audit on my account. They are claiming I still owe {$1800.00} but haven't provided me any proof. Santander was sued for their predatory lending practices and have been sued in several states. I purchased my vehicle in XXXX it's been XXXX  years and they still have this mess on my credit report with a slated date for removal of XXXX XXXX this is still affecting my credit and it's unfair because the statute of limitations in XXXX  is XXXX  years, but I live in XXXX  now and statute of limitations is 6 years for bad debt. In either state, my statute of limitations has PASSED! They never responded to the last request in XX/XX/XXXX and as you can see I have given them more than enough time. In addition, they reported my account charge-off for months on my credit file. If the account was charged off once how could they charge it off over and over again that's illegal. I request that they remove this from my credit file at once!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-04 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-04 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:
XXXX XXXX last 4 of my social is XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equitable and experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at national credit adjusters on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX in the year XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at possible financial XX/XX/XXXX with a balance of {$130.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
XXXX XXXX last 4 of my social is XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equitable and experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at national credit adjusters on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX in the year XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at possible financial XX/XX/XXXX with a balance of {$130.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report Dear Experian : I am writing t formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into this inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate 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 consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. i am deeply concern that my dispute will be handled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report Dear Experian : I am writing t formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into this inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate 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 consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. i am deeply concern that my dispute will be handled in a similar manner.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been unable to access my Experian account due to inability to change password or log in to delete fraudulent activity, which hindering my life. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and fairness of the information contained in consumer reports.

Additionally, pursuant to the Uniform Commercial Code ( UCC ) 1-308, I am exercising my rights to demand the correction of inaccuracies and unauthorized reporting of accounts. The continued reporting of fraudulent accounts or incorrect information constitutes willful noncompliance with the FCRA, subjecting your agency to legal liability, including statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

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 2025-03-04 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: RI

Complaint narrative:
XXXX- Disputed but information not corrected. 
XXXX XXXX XXXX XXXX Disputed but information not corrected. 
XXXX XXXX XXXX- Disputed but information not corrected. 
XXXX XXXX Disputed but information not corrected. 
XXXX XXXX XXXX XXXX Disputed but information not corrected. 
XXXX XXXX  Disputed but information not corrected. 
XXXX XXXX XXXX XXXXXXXX Disputed but information not corrected.

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