vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-29 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WI

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$10000.00}

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 2025-05-29 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: NC

Complaint narrative:
Ive recently become a victim of a data breach, and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ), I am requesting the blocking and deletion of the following accounts within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$180.00}

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 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear trans Union I am writing to formally dispute the continued reporting of the following account. I previously submitted a dispute regarding this item, and your response stated that it was verified as accurate and updated with additional details, such as Responsibility, Date Updated, Rating, and Historical Trended Data. 

Despite this, I have reason to believe that the information remains inaccurate or unverified, and I am requesting a second investigation under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf Why Im Requesting Reinvestigation : The account balance and past due amount still appear questionable, especially following a charge-off. 
The account now lists as a Joint Account, which I dispute I do not recall authorizing joint responsibility for this account. 
No documentation or detailed verification method was provided in the first round, contrary to my rights under the FCRA. 

Under the FCRA, I request the following : XXXX. A full reinvestigation of this account. 
XXXX. A detailed description of the method of verification including : The name and contact information of the party who verified the information. 
The documents and records used to verify this data. 
XXXX. If the account can not be verified with full supporting documentation, it must be removed from my credit file. 

Please respond within the XXXX period required by federal law and provide me with the results of your investigation, along with all relevant evidence used. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-29 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX 2024, the account was reported as delinquent due to XXXX missed minimum payments of approximately {$2.00} each. These missed payments occurred during a time when I was experiencing serious health issues, which led to an unintentional lapse in my account management. As soon as I became aware of the situation, I promptly resolved the outstanding balance. 
Given the minimal nature of the payments involved, the isolated nature of the incident, and the extenuating medical circumstances, I respectfully request that this negative entry be removed or amended accordingly. This record does not accurately represent my overall credit behavior and appears to be disproportionately harmful relative to the facts of the case.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
Received threatening call this morning stating Credence will visit my home and place of employment to embarrass me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
Im writing to dispute an item currently being reported on my credit file that is not in compliance with the Fair Credit Reporting Act. The information is not being reported with the level of accuracy and completeness that the FCRA legally requires, and as a result, its creating a misleading and unfair reflection of my credit history. If youre going to report something on my file, it needs to be 100 % accurate and fully verifiable and this clearly is not. Thats a violation of my rights, and Im not going to let it stand.

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 2025-05-29 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: Experian Information Solutions Inc.
State: PA

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 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, XXXX that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute and Request for Deletion of Invalid Collection Account Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced collection account, which is being reported on my credit profile. This is not my account, and I have no legal responsibility for the alleged debt. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ), you are required to ensure the accuracy of the information you report. Additionally, under 12 CFR 1006.34 ( c ) of the Consumer Financial Protection Bureaus ( CFPB ) Debt Collection Rules, you must provide validation of the debt, including : Chain of Title : Proof of a complete and unbroken ownership trail from the original creditor ( XXXX XXXX ) to Jefferson Capital Systems . 

Proof of my liability for this debt ( e.g., a signed contract or agreement ). 

Demands : Immediate deletion of this account from my credit report, as it is inaccurate and violates my rights under the FCRA. 

Cease all collection efforts until you provide full validation, including the chain of title and proof of obligation. 

Confirm in writing that this account has been deleted from all credit bureaus ( XXXX XXXX XXXX ). 

If you fail to respond within 30 days, I will escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and the California Attorney Generals Office for violations of consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Ive been a loyal American Express customer for over 7 years and have held the Hilton Honors XXXX XXXX during that time. Ive never made a late payment and have multiple positive accounts with Amex. 

Recently, I was charged the {$190.00} annual fee. I called to cancel the card and requested a refund, or at least a partial or pro-rated refund, since I have barely used the card this year. I was told I was outside the XXXX window and that absolutely nothing could be done no refund, no partial credit, and no retention offer. 

I escalated the matter to a manager, but they offered no flexibility or consideration despite my long history of responsible card use and on-time payments. I find this unacceptable given my loyalty and good standing with the company. 

Im requesting that American Express issue at least a pro-rated refund or a reasonable goodwill credit. I believe this is a fair request and Im asking the CFPB to help resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I discovered multiple accounts and inquiries that I did not authorize, do not recognize, and have no connection to whatsoever. In XXXX, XXXX My credit report shows multiple accounts and inquiries I never opened none of these belong to me. This fraudulent activity is causing me severe distress. To resolve this as this shows I have been a victim of identity theft. The fraudulents accounts appearing on my report are as follows : XXXX  - Mortgage - Opened in XX/XX/XXXX ; XXXX - Mortgage - Opened in XX/XX/XXXX ; XXXX - Credit Card - Opened in XX/XX/XXXX ; XXXX  - Credit Card - Opened in XX/XX/XXXX ; XXXX  - Unsecured Loan - Opened in XX/XX/XXXX ; XXXX  - Auto Loan - Opened in XX/XX/XXXX ; XXXX  - Installment Sales Contract - Opened in XX/XX/XXXX. 

Additionally, there are unauthorized hard inquiries on my report that I never consented to, further confirming the identity theft. These include : XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX XXXX XXXX , inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX XXXX  , inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired XXXX XXXX XXXX, XXXX, XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX, inquired XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX, inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX inquired on XXXX XXXX, XXXX, XXXX XXXX, inquired on XXXX XXXX, XXXXXXXX XXXX XXXX, inquired on XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX, inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/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