vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: ME

Complaint narrative:
Back in XX/XX/year> Experian lowered my XXXX XXXX by XXXX points due to a credit card balance that was around {$2200.00} I ALWAYS pay my credit card balance in full every month without fail. Our XXXX  was getting XXXX  in XX/XX/year>, and I purchased XXXX  XXXX, XXXX  XXXX  and XXXX  XXXX. In XXXX before bill was due I paid balance in full. As there is no way to talk with Experian I filed a complaint, they raised my score right back. Fast forward to today. I realized they lowered my score by XXXX points because my credit card balance is {$1600.00}. XXXX  and DXXXX XXXX XXXX XXXX XXXX. I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and I realized they dropped my score once again. I'm getting tired of their metrics with me. Is there a way I can stop them from having my information, they are just awful and keep putting a damper on all my wonderful family events. FYI, I paid this months balance in full as I've always done. How do I stop them from dinging my credit constantly? I should be an XXXX with perfect credit. They continually hurt my borrowing ability and it's wrong. It's also wrong that they no longer have someone you can talk to on the phone.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
This letter sent by Barclays is a false report. It was a resolved issue over XXXX XXXX  ago. I did receive a letter stating it had been cleared off my record. It was a fraudulent use of an XXXX account credit card which someone had used several times. After working with the company itself, I closed the account and sent in all the information. It took several tries but it was finally resolved an taken off my record. It was a credit card charge of about {$200.00} which I did not owe. 

Please notify the company to remove all the information about myself from their records to AVOID A LEGAL ACTION.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have made multiple attempts to contact Capital One regarding unauthorized accounts opened under my name. In response to my Consumer Financial Protection Bureau ( CFPB ) complaint filed in XX/XX/year>, Capital One acknowledged the presence of an unauthorized user on the account. Despite this acknowledgment, no further action has been taken to remove the accounts. Please see the attached police report for additional documentation of stolen Social Security Card. Given the lack of contractual evidence and lack of resolution, I am formally requesting the immediate removal of all Capital One accounts from my credit report on all 3 credit reporting bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I work for a small business, a new vendor was hacked and the hacker sent us fraudulent bank information from our actual vendor 's email. We made a payment of {$100000.00} to the fraudsters account as an ACH on XX/XX/XXXX. The same day but after our banks payment time ( XXXX central on XX/XX/XXXX ) we found the account to be fraudulent and our bank submitted a return on the payment. We tried to get in touch with Chase bank 's fraud team to report the fraudulent payment but they were not helpful in this matter at all, they just said that since we weren't the account holder for the fraudulent account that we initiated the payment to that they couldn't tell us anything and promptly hung up on us ( myself and a representative from my bank as well ). 
Then, around XXXX central time on XX/XX/XXXX I finally got in touch with someone at Chase bank 's executive team who pushed us to a fraud supervisor who told me it was handled and that I was lucky to have reached her before the batch posted that night. I have a text to my boss at XXXX on XX/XX/XXXX that detailed this : " What they were able to tell me was that they took measures to make sure that the funds will be frozen for that payment so they can't be taken out of that account. They were able to freeze the fraudsters account. She told me I could sleep soundly tonight that there was no way the payment would be able to be removed from the account. '' The funds did post to the account and the return that my bank issued was responded to by Chase with an XXXX that stated " account frozen '' on XX/XX/XXXX. My bank responded to the XXXX with an XXXX and a hold harmless letter on XX/XX/XXXX. Chase responded to that on XXXX with an XXXX. 
After this, I reached back out to Chase banks executive team who have been very helpful working with me, they confirmed they were able to find my call on XX/XX/XXXX and review it but that the action they took was not successful in stopping the funds from posting to the account and that the funds were depleted. Also, they stated their fraud team said they are not liable to assist with any other recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, I initiated a XXXX  wire transfer from my XXXX account in the United States. Due to an error in the recipient details, the funds were mistakenly sent directly to the intermediary bank account at JP Morgan Chase, instead of reaching the intended recipients bank account in XXXX. 

As a result, the funds are now stuck with JP Morgan Chase the intermediary bank and have not reached the final beneficiary. 

XXXX has confirmed that the transfer was processed and provided me with a transfer receipt and trace ID : XXXX. Over XXXX  days ago, XXXX submitted a formal recall request to JP Morgan Chase to retrieve the funds. However, JP Morgan has not responded to the recall or taken any action to release or return the money. 

I also attempted to contact JP Morgan Chase directly by phone, but I was told they could not help me since I am not their customer. XXXX has since closed the recall case, saying there is nothing further they can do. 

I am now left without access to the funds, and the money has been missing for over XXXX  days. I am requesting that JP Morgan Chase investigate the situation and take action to return the funds, or at minimum provide a status update on the payment they are currently holding. 

Attached you can find the invoice with the intended recipient information, wire transfer confirmation with trace id from XXXX, communication with XXXX regarding the recall request and a signed refund agreement from the final recipient in case they do receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 XXXX 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 of 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 2025-04-15 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: NJ

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 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 non-monetary relief
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS IM IN THE PROCESS OF BUYING A NEW HOME FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 
I HAVE UPLOADED MY IDENTITY THEFT REPORT AND MY PERSONAL DOCUMENTS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX  HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  Account Number : 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 any 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 of 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 explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-15 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: MO

Complaint narrative:
First - I have a medical debt that is listed on the three major reporting agencies. I have disputed the information since the law was passed that it can not be included on the credit report. If I misunderstood the law, please explain. They just deny my dispute. 

Second - I have some late payments on my report that were a direct result to COVID-19 and I disputed them. Also denied.

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 2025-04-15 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: MO

Complaint narrative:
First - I have a medical debt that is listed on the three major reporting agencies. I have disputed the information since the law was passed that it can not be included on the credit report. If I misunderstood the law, please explain. They just deny my dispute. 

Second - I have some late payments on my report that were a direct result to COVID-19 and I disputed them. Also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXX U.S.C. XXXXi ) and XXXX ( XXXX U.S.C. XXXXg ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX ( XXXX U.S.C. XXXXg ), I am writing to dispute the following collection account that appears on my recent credit report : * Creditor/Collection Agency Name : XXXX XXXX XXXX * Account Number:XXXX * Amount : {$210.00} * Date of Account : XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section XXXX ( XXXX U.S.C. XXXXg ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. CXXXX XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2025-04-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-04-15 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 writing to formally dispute and demand the removal of the following inaccurate and unauthorized address being reported on my credit file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not associated with me and has no legitimate connection to my personal or financial history. Its continued reporting on my credit file constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXXi, which requires consumer reporting agencies to maintain only accurate and verifiable information. 

I am requesting that you immediately investigate and remove this address from all credit reporting agencies, including but not limited to Experian, XXXX XXXX XXXX. If this information can not be verified as accurate and authorized, it must be deleted from my credit report, as required by FCRA Section XXXX. 

I expect a written confirmation of the investigation results and proof of the address removal within 30 days of receipt of this notice. 

Failure to remove this inaccurate personal information will result in additional complaints being filed with the Federal Trade Commission ( FTC ) and possible pursuit of legal remedies. Thank you for your prompt attention to this matter.

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 2025-04-15 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: TN

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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