vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: MI

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. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
They have wrong address states. That i suppose lived in which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-08 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: DISCOVER BANK
State: SC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # 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 2025-01-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Attached is my Notice to Arbitration with Experian per their Arbitration terms and agreements, delivered via Certified Mail on XX/XX/year> and received and signed by an Experian Agent on XX/XX/year> ; See attached copies of the above-stated Arbitration Notice Letter . I submitted this Arbitration notice via Certified Mail due to Experian 's Sham investigations/reinvestigations regarding all my prior complaints filed here on the CFPB Portal. Experian has unlawfully failed to properly investigate my consumer disputes, Experian also has failed to notify me as a consumer regarding my consumer disputes resulting in the inclusion of incorrect information on my credit report which has threatened my and my children 's livelihood by hindering my ability to access credit, employment, and housing opportunities. This is defined as defamation of character under Common Law and Experian is liable for Civil liability up to {$1000.00} per violation along with wilful negligence. Experian has yet to respond to my Arbitration Notice Letter per the terms and conditions.

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 2025-01-08 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: CT

Complaint narrative:
Hello Ive been dealing with this for over a year some how 2 collections from fraudulent credit cards that were opened with my social but not my name. I gave them 3-4 police reports over the course of 2 years and I lost out of my home loan because of this inaccuracy and the experian saying it will be taken care of in 30 calendar days its been almost 1000 calendar days and Im still being transferred from department to department. Im fighting to find housing for me and my family as we speak because we couldnt obtain the house do to XXXX  not updating my correct information please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. Im also aware that my information had been exposed in the XXXX Data Breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 
ACCOUNTS ( XXXX- XXXX - XXXX {$11000.00} ; XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$14000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$49000.00} - XX/XX/year> ; XXXX XXXX XXXX, XXXX. - XXXX - {$36000.00} - XX/XX/year> ; XXXX XXXX - XXXX - {$46000.00} - XX/XX/year> ; ) ( INQUIRIES- 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 non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. Im also aware that my information had been exposed in the XXXX Data Breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 
ACCOUNTS ( XXXX XXXXXXXX - XXXX {$11000.00} ; XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$14000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$49000.00} - XX/XX/year> ; XXXX XXXX XXXX, XXXX. - XXXX - {$36000.00} - XX/XX/year> ; XXXX XXXX - XXXX - {$46000.00} - XX/XX/year> ; ) ( INQUIRIES- 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 2025-01-08 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: TX

Complaint narrative:
I previously disputed this account stating : " This account is incorrectly reporting that I hav late payments. On my Transunion report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this 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 non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I previously disputed this account stating : " This account is incorrectly reporting that I hav late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
The family protection act. I never authorized the XXXX XXXX, XXXX, transunion, and all credit reporting agencies to share my student loan information it violates my privacy. I have had ID theft reported in XXXX  that was significant. It was disputed and removed. There needs to be more privacy rules preventing these companies from acquiring our information without consent. 
Thank you

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The family protection act. I never authorized the XXXX XXXX, equifax, XXXX, and all credit reporting agencies to share my student loan information it violates my privacy. I have had ID theft reported in XXXX  that was significant. It was disputed and removed. There needs to be more privacy rules preventing these companies from acquiring our information without consent. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Called and asked for a lower interest rate, having financial issues. Was told multiple times by multiple chase operators the only was to lower or stop interest is to close the account. Was told still had to make minimum payments but interest would stop. I close account and the interest never stopped. The NOW say I was given wrong info, but will not honor what they told me. I stopped paying card, and now 90 days past due, my credit dropped from XXXX to XXXX. They are charging XXXX percent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: OH

Complaint narrative:
- XXXX XXXX XXXX XXXX For collections of $ XXXX XX/XX/year> - Online Information XXXX For XXXX of {$1800.00} Filed a dispute then XXXX claimed to have done an investigation with out providing me with the following Chain of Title, Date of 1st Delinquency, or the Date of the Last Payment on any of the above collections Equifax- for Online Collection XXXX For collections of {$1800.00}, I disputed information and the credit reporting agency has not provide me with the following Chain of Title, Date of Delinquency, or the Date of the Last Payment TransUnion- for XXXX- For collections {$590.00}, I disputed the collection and the reporting agency has not provided me with the following Chain Of Title, Date of Delinquency, or Date of Last Payment And I Used the Fair Credit Reporting Act to let XXXX, XXXX, and TransUnion know that's this went against the laws provided in the FCRA and using I even got in touch with them on several occasions to resolve the inaccurate information using various Codes such As ; 15 USC 1681, 15 USC 1681 ( i ), 15 USC 1692 ( c ), 15 USC 1692 ( c ) ( 2 ), 15 USC 1681 ( e ), 15 USC 1692 K

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 2025-01-08 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: OH

Complaint narrative:
- XXXX XXXX XXXX XXXX For collections of $ XXXX XX/XX/scrub>XXXX XXXX  - Online Information XXXX For XXXX of {$1800.00} Filed a dispute then XXXX claimed to have done an investigation with out providing me with the following Chain of Title, Date of XXXX Delinquency, or the Date of the Last Payment on any of the above collections Equifax- for Online XXXXXXXX XXXX- For collections of {$1800.00}, I disputed information and the credit reporting agency has not provide me with the following Chain of Title, Date of Delinquency, or the Date of the Last Payment TransUnion- for XXXX For collections {$590.00}, I disputed the collection and the reporting agency has not provided me with the following Chain Of Title, Date of Delinquency, or Date of Last Payment And I Used the Fair Credit Reporting Act to let XXXX, Equifax, and XXXX know that's this went against the laws provided in the FCRA and using I even got in touch with them on several occasions to resolve the inaccurate information using various Codes such As ; 15 USC 1681, 15 USC 1681 ( i ), 15 USC 1692 ( c ), 15 USC 1692 ( c ) ( 2 ), 15 USC 1681 ( e ), 15 USC 1692 K

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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