vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I'm dealing with identity theft and need serious help. A while ago, I left my phone in an XXXX. The driver, XXXX XXXX, returned it later that day but made a weird comment : " I know you better than you think, '' and said something about my charging port. I brushed it off, but soon after, my phone started acting strange notifications disappearing emails about backups I never made, apps opening on their own, and then I started losing access to my accounts. 
Eventually, I took my phone to a service center, and they told me there was a physical XXXX  card installed I've only ever used an XXXX. It was bizzare. 

Since then, Ive discovered several fraudulent accounts opened in my name, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have already reached out to all three major credit bureaus and the creditots and submitted multiple disputes regarding these fraudulent accounts. Despite providing supporting documentation and explaining the situation in detail, nothing meaningful has been done to resolve the issue. My disputes were either ignored, closed without explanation, or marked as verified without any proper investigation. It honestly feels like Im being completely dismissed while someone else continues to misuse my identity.

Ive attached screenshots and other evidence to support my claim, and Im asking you directly please take this seriously and help me get this fraudulent account removed from my credit 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 explanation
Consumer complaint received 2025-04-07 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 2025-04-07 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: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-07 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On the evening of XX/XX/XXXX, I signed up for an American Express Delta Skymiles XXXXXXXX XXXX XXXX. The promotional offer that I signed up for offered a {$500.00} statement credit and XXXX bonus miles if XXXX XXXX tickets were purchased in six months from the issue of the card. I was approved the card and purchased XXXX tickets. When I checked my statement on XX/XX/XXXX, I noticed I had only received a statement credit of {$200.00}. 
I contacted American Express via telpehone customer service I believe that day. I informed them of the error and they said they would begin an investigation and I would hear from them in two or more weeks. At this time I found the offer of a {$500.00} statement credit and XXXX bonus miles still offered on the XXXX website and took a screenshot ( XXXX XXXX ). I regret not taking the screenshot at the time I signed up but I didn't expect them to pull a bait and switch on me and to have to later defend myself just to receive the promotional offer I signed up for. 
I never heard back from them and again contacted them via the chat option on their website on XX/XX/XXXXXXXX  to inquire as to whether they would honor the promotional offer that I signed up for. I was told they had concluded their investigation and that they had determined the offer that was available at the time I signed up was a {$200.00} statement credit. This is incorrect. I informed them of that and asked to speak to a manager. The manager said she would open another investigation but all their records indicate that the offer available when I signed up was for a {$200.00} statement credit. This is incorrect. I would not have signed up for a {$200.00} statement credit and I have a screenshot from XX/XX/XXXX showing the promotional offer of a {$500.00} statement credit and XXXX bonus miles still being offered. 
I also looked on the website XXXX and found many accounts of American Express not honoring their promotional offers and informing users to always take screenshots of the offers to challenge American Express when this happens. I regret not doing this but did not expect them to behave in this way. 
I I would like the promotional offer I signed up for of a {$500.00} statement credit and XXXX Bonus Miles honored by American Express. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-07 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-07 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I took out an interest free loan ( 12 months ) from Finance Service Company for plumbing repairs. They have not contacted me in any way to provide information on how to make payments, and neither their website nor their app will allow me to create an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AL

Complaint narrative:
I am disputing the fraudulent and inaccurate bankruptcy XXXX listed on my credit report. Experian continues to falsely report this bankruptcy. I am beyond frustrated with your failure to correct this issue and your complete disregard for my legal rights under the Fair Credit Reporting Act ( FCRA ). 
No other credit bureauXXXX, XXXX, or XXXX this bankruptcy on file. I have included copies of my reports from these agencies proving that they do not have any record of this bankruptcy. Additionally, I have provided an official letter from the United States Bankruptcy Court for the Eastern District of Wisconsin confirming that they did not provide any bankruptcy information to Experian. So how exactly did you " verify '' this bankruptcy? Since the courts nor your sub reporting agencies that you get your information from have this bankruptcy, the reality is simpleyou didnt. 
Under FCRA Section 1681i ( a ) ( 5 ) ( A ), if any information is incomplete, inaccurate, or unverifiable, it must be deleted. There is no valid source confirming this bankruptcy, meaning Experian is legally required to remove it from my credit report immediately. Your continued failure to do so is a clear violation of federal law and has caused significant harm to my financial reputation. 
I have already provided my government-issued identification and Social Security number to confirm my identity, so do not send me another stall tactic letter claiming you need additional information. You have everything you need to conduct a real investigation, and its time you do your job instead of repeatedly ignoring the facts. 
If this bankruptcy is not removed from my credit report immediately, I will pursue legal action against Experian for willful noncompliance with the FCRA, including failure to properly investigate, failure to remove unverifiable information, and reckless harm to my creditworthiness. 
I expect written confirmation that this bankruptcy has been permanently deleted from my credit report. This dispute has gone on far too long, and I will not tolerate any further delays. Why are you trying to keep this wrong information on my credit report? Could it be that you are receiving some type of incentive for keeping it attached to my file even though it's inaccurate? This is shameful!

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 2025-04-07 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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 2025-04-07 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NY

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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: MA

Complaint narrative:
Complaint Regarding Delay in Processing Property Title Transfer to Revocable Living Trust I am writing to file a formal complaint against my mortgage company, Planet Home Lending, regarding their failure to respond to my request for transferring my property into my Revocable Living Trust. 

On XX/XX/year>, I submitted a formal request along with all the necessary documents as requested by Planet Home Lending. Since that date, I have not received any response indicating whether my request has been accepted, nor have I been given any clear information about the timeline for processing this request. 

Each week I follow up with their customer service team by phone, and each time I am told to call back after a few more days. This cycle has repeated multiple times, and it has become extremely frustrating and disappointing. Their continued lack of communication and transparency in handling such a serious matter is highly unprofessional. 

This request is of great importance to me and my family. If something were to happen to me or my spouse before the property is properly transferred into the trust, our estate may be forced to go through the probate process unnecessarily. This could have been avoided if Planet Home Lending had acted in a timely and responsible manner.

I am very concerned that after all this time, they may still come back and ask for additional documents and restart the process from the beginning, further delaying the outcome. Their lack of clarity and repeated delays have caused me to lose confidence in their ability to handle my request competently.

I urge the Consumer Financial Protection Bureau to investigate this issue and help ensure that Planet Home Lending treats such requests with the seriousness and professionalism they deserve. I would appreciate your assistance in getting them to provide a definitive response and timeline regarding the completion of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 explanation