vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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

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 2025-01-14 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:
clerk of the courts verified that they did not give out the information for the bankruptcy reporting on my credit reports and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
clerk of the courts verified that they did not give out the information for the bankruptcy reporting on my credit reports and should be removed

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : 1. DEPTEDNELNET 2. DEPTEDNELNET 3. DEPTEDNELNET 4. XXXX 5 . DEPTEDNELNET 6. DEPTEDNELNET 7. DEPTEDNELNET 8. DEPTEDNELNET 9. DEPTEDNELNET 10. DEPTEDNELNET 11. 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian has stated that they have investigated each account but has failed to provide me with the documentation that they collected to determine of the reports on the credit report are accurate. Due to the recent lawsuit CFPB filed against Experian for sham investigations for disputes, I demand to see all support documentation Experian used. Failure of Experian not to do so, is a violation of the FDCPA. Accuracy must me ensure on every single reporting item.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I conducted a credit check on myself and was made aware that I had a XXXX XXXX card account in my name so I had no idea about it was active since XX/XX/XXXX I immediately filed an identity theft report with the FTC and sent this report to all corresponding agencies who report credit it was not removed from my XXXX or Trans Union reports my XXXX report removed it right away. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER58 RIGHT TO PRIVACY PURSUANT TO USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

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 2025-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-step validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I transferred a vehicle loan over to navy federal i sent in the documents requested. Nothing changed i received no notice from navy federal until the day they delivered the title to the vehicle to my door within 20 minutes after I received notice they did not receive loan transfer paperwork. I then started to monitor my account online my percentage rate was changing from 9 %, 18 % and 11 %. I asked for billing information to understand what I have paid for and at what rate. I was told I would receive an email. Never received one. The bank drafted the amount from my account on XXXX but I need to know the terms or have my account fixed to the original agreed upon amount. I don't think I should be charged different amounts based on how the wind blows. I would also like any negative reporting on my credit be removed once this is resolved. I have no issues paying a monthly rate but it needs to be agreed with both parties or put back to the original agreement since navy federal has admitted to having the documents they needed. I am very much feeling like this is predatory and I need help. I was just told today I can't even speak to the right department until I make a payment which is a different amount it's was just two days ago. Please help me no car is worth this much stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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 am refiling this complaint to EQUIFAX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted several letters to Experian to correct my credit report on all my accounts showing delinquent statuses. I sent letters in XXXX and XX/XX/XXXX also in XX/XX/XXXX. I have asked for proof of the delinquent pays etc of all my past due account if not proof I asked them to correct or delete. Experian has yet to send proof. Once Experian receive my letter in the mail they will start sending emails within in 2 days saying your dispute is complete. How in the world is it complete. You just got the letter. They also deleted one of my XXXX  account. They were suppose to delete all of my XXXX  accounts. Please help me get all of my delinquent accounts update to never late or deleted. Thanks

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 2025-01-14 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently found a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law in my rights as a consumer.

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 2025-01-14 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently found a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law in my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: LEXISNEXIS
State: GA

Complaint narrative:
Sent a letter certified mail on XX/XX/year>XXXX  asking LexisNexis to produce documentation proving said account belongs to me. I rightfully requested all documentation pertaining to account and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have never been late on any payments with both Chase credit cards I have. The only thing that I ever did was recently ask for assistance because of the multiple hurricanes in Florida, which they did give me payment assistance of XXXX months without paying credit card payment shortly after I did this, they reduced my credit limit between both credit cards. When I called on XX/XX/year> I wanted an explanation to why they dropped my credit limit on both credit cards totaling approximately {$18000.00}. They stated I was delinquent on making payments which I have never been delinquent. It appears to me since I asked for help because of the XXXX hurricanes this is why they are doing it because I have never had an issue with either of my credit cards ever buy them decreasing that for reasons that are not true. That is why I am trying to file a complaint with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX on line bank too out XXXX which is due for house payment monthly but additionally on top of that XXXX I called and complained to both mortage and bank about this. The mortage dont give money back and says the bank can only reverse the account back, the bank tells me that I need to speak with the mortage. 
credit back for both payments on XX/XX/year> I have called before XXXX to make sure we didnt owe more than our regional payment of XXXX we were told that there was credit and we only owe for XXXX the XXXX so i had my online taken off and now the payment of XXXX was paid XX/XX/XXXX and went thru on the XXXX of XXXX. so this morning we ended up with both payments again taken out of the checking account so we are paying XXXX months of mortage. Neither place would help us, were seniors and live on a tight budget. Can you please help us. our mortage is XXXX and our bank is chase. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Experian has failed to uphold their legal obligations under the Fair Credit Reporting Act which consists of reinvestigation of disputed information on my credit report. Which has lead to inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently took action with a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items, despite the proof i provided causing these to harm my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts. This has violated my rights of the federal law.

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 2025-01-14 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: TX

Complaint narrative:
hello, I'm reporting on my XXXX XXXX accounts. Historically I've only have had XXXX XXXX XXXX accounts ( a XXXX, XXXX and XXXX accounts ( their coloring system ). 
in recent years I've had to go into defaulting on my credit cards, all of them in my history. 
I've been trying to pay back on my accounts this past year or so with the help from the website called XXXX XXXX XXXX ( XXXX ). So as they were looking into collecting my accounts so they can start negotiating with my creditors, they said that they were showing XXXX XXXX Accounts. And I told them that that was incorrect, I only had XXXX accounts with XXXX XXXX. 
So they only kept XXXX accounts and worked on them. 
But about a year later, XXXX XXXX started legal action on me on my American accounts but I thought I was protected by XXXX. After a lot of back and forth I figured out that the XXXX account was the one they put legal action on. And what I had figured out this past XXXX is that XXXX XXXX DUPLICATED XXXX of my XXXX XXXX accounts and that was why it was showing as a fourth account in credit history. 
So this concerns XXXX XXXX account ending in XXXX at about {$11000.00}. so I don't remember the XXXX account ( duplicated account ) account number but it will show the about same dollar amount, close to the $ XXXX. my other American accounts are {$7400.00} and {$5500.00} and those are valid and XXXX are working on them with me. 
Please let me know if this makes sense. if not, please give a reach out to me ( email is best, since I don't like to answer unknown number till I have you in my contact list ) at email of XXXX but if you do have only phone contact initially, my cell is XXXX but please do your best to leave a message so I can return the phone call. 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 2025-01-14 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: CO

Complaint narrative:
Equifax did not provide adequate documentation validating any that any of the accounts or addresses belonged to me. I was emailed an automated email with no proof of any kind. I spoke with representatives via phone and wasnt given any mitging other than being told it was validated. Ive submitted disputes on numerous occasions along with disputes via CFPB just for Equifax to completely disregard my request. I have all emails and phone call records to show the lack of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: RI

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief