vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
XXXX XXXX  [ XXXX XXXX ] XXXX XXXX XXXX XXXX  [ XXXX XXXX XXXX # XXXX ] XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX ] * * * * [ Date : XX/XX/XXXX ] XXXX XXXX XXXX XXXX  [ Choose the Correct Credit Bureau Address Below ] XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX * * Subject : Formal Dispute of Inaccurate Information - XXXXXXXX XXXX XXXXXXXX Account # XXXX ( Charge Off ) XXXX XXXX  I am writing to formally dispute the inaccurate, incomplete, and/or unverifiable reporting of the charge-off status for my XXXX XXXX XXXXXXXX account XXXX number XXXX XXXX XXXX XXXX XXXX on my credit report. 

The following information being reported by XXXX XXXX XXXX regarding this account is inaccurate : * * * Creditor Name as Listed on Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number as Listed on Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Specific Nature of the Dispute : XXXX XXXX XXXX XXXX XXXX Incorrect Charge-Off Date : * * The date of the charge-off being reported is incorrect. This impacts the reporting timeframe. 

* * * Reporting Inconsistent with Agreement : * * The current reporting of the charge-off is inconsistent with the terms and conditions of the original agreement I had with XXXXXXXX XXXX XXXXXXXX XXXX 

I request that you thoroughly investigate this disputed information and provide me with the results of your investigation, including any documentation you used to verify the accuracy of this information, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

If XXXXXXXX XXXX XXXXXXXX can not provide sufficient and verifiable documentation to prove the accuracy of this charge-off reporting, I demand that the inaccurate information be corrected or permanently removed from my credit report immediately. 

Please send the results of your investigation to my address listed above within the time frame legally required by the FCRA. 

Sincerely, \ [ 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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have settled debts, and have communicated this with American Express and have always paid my bills on time. However Amex has failed to uphold their end of the relationship and has again reduced my Credit limit on XX/XX/XXXX. XXXX   from XXXX to XXXX. Just enough to avoid overage fees. At this point if my limit is not restored American Express will not see another dime, due to them shafting me at every chance. Despite me being a good customer. I called to explain and was met with XXXX help. I make XXXX figures and I have the ability to be a great customer but Amex drops my limit at every chance due to past issues. Despite this being my main card. At this point of if I dont get help from Amex the relationship is done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
This company wilfully continues to report incorrect, inaccurate, and misleading information on my credit report since XXXX, despite my repeated disputes sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Diversified ADJ SVC {$1100.00} XXXX XXXX XXXX  {$1100.00} I have no knowledge of these accounts I was contacted several times about these debt an when I tried to get information I was asked for my SSN I have been a victim of identity theft in the past I asked the companies for a debt validation letter on a few occasions an I was told that the company had to receive my information to verify my identity just to get into my account an when I refused I was disrespectfully disconnected from the call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX has faudulently XXXX  my card of XXXX usd unauthrized after terrible stay - drains clohgged, as bareely working, deploravle seruve at fromn desk, talked over, 10 times calling restauramt to get the wonf orders, being cut off, completely bullying us and deploirable behaviour-THEY bullyied and teated my son like garbage .. XXXX  him off .. he wa snot even finish his order said ginger tea and could not even said water and was hanged up twice and again- this was all recorded- they use young ppl to set them up an buly them and charged my card fraudeulentrly withoiut authorizationm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXTransUnion XXXXXXXX XXXXTransUnion

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 2025-05-18 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: The Savings Group, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a hard credit inquiry appeared on my credit report under the name RATEGENIUSXXXX XXXX. I did not complete a credit application, nor did I provide my Social Security number or authorize a hard inquiry with them or their affiliate, XXXX. 

On XX/XX/year>, I sent a formal dispute email to XXXX at XXXX and XXXX, with a signed FCRA-based dispute letter attached. I requested removal of the unauthorized inquiry and written confirmation. 

As of XX/XX/year>, I have not received any reply or documentation. This inquiry was not authorized and may have impacted my credit score while I am actively seeking financing. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and requesting immediate resolution through this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding my experience with MOHELA, the federal student loan servicer responsible for managing my student loans. I have encountered several issues that have caused significant financial and emotional stress, and I believe these practices are unfair and potentially deceptive. 

Account Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX Email : XXXX Complaint Summary : I have experienced the following issues with MOHELAs servicing : Delayed or Incorrect Processing of Documents I submitted necessary documents and/or certifications related to my student loans, but they were not processed accurately or in a timely manner. This has caused confusion and delays in my loan servicing status. 

Customer Service Failures I have contacted MOHELA multiple times to seek clarification and resolution, but I have been met with long wait times, inconsistent information, and a lack of meaningful follow-up.

Unclear or Misleading Information MOHELA representatives have provided conflicting or incomplete information that has made it difficult to understand my loan status, repayment options, and overall progressparticularly if I am eligible for programs like Public Service Loan Forgiveness ( PSLF ).

Impact : These issues have negatively impacted my financial well-being and peace of mind. I am concerned that these practices may be widespread and may be causing undue harm to other borrowers as well.

I am respectfully requesting : A thorough review and correction of my account and any errors. 

A detailed, written explanation of the issues and how they will be resolved. 

That this complaint be formally documented and investigated by the appropriate oversight body. 

This letter is being submitted for consideration by MOHELA and the Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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: SD

Complaint narrative:
Dear CFPB Representatives, I am writing to formally request a second reinvestigation regarding the account reported by XXXX XXXX XXXX, Account Number XXXX, which continues to appear on my credit report despite a previous dispute. 

I do not agree with the outcome of the initial investigation, as I believe the information being reported is inaccurate and damaging to my credit history. Therefore, I am requesting a thorough and impartial reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 ( 15 U.S. Code 1681i ), subsections ( a ) through ( d ), which grants consumers the right to dispute inaccurate information and receive the results of such an investigation.

In compliance with the cited law, I am formally requesting that you provide a detailed explanation of the verification method used during the initial investigation, including : The names and business addresses of all entities or individuals with whom the account information was verified. 
Copies of any documents, communications, records, or files used to validate the accuracy of this account in my credit file. 
An updated copy of my credit report once this reinvestigation is complete. 

If a satisfactory response and the requested information are not provided, and if the account can not be fully verified as accurate, I am demanding that the account XXXX reported by XXXX XXXX XXXX be permanently deleted from all of my credit reports, as required under Section 611 of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a formal written response within the time frame required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: MO

Complaint narrative:
I see many violations on my consumer report even though I have complained many times before thus complaint. My report violates many provisions within 15 USC 1681. I don't not give consent to report adversely on my consumer report. My consumer report violates the Privacy Act of 1974 by having my personal private information giving out publicly without my written consent. 15 U.S. Code 1681b - " Permissible purposes of consumer reports '' is being violated by your company consumer report on my consumer due to never receiving written consent. 15 U.S. Code 1681c - " Requirements relating to information contained in consumer reports '' is being violated due to adverse items on report including inquires also. 15 U.S. Code 1681a - " Definitions ; rules of construction '' is being violated against due to having reports containing information solely as to transactions or experiences between the consumer and the person making the report. I do not give consent for my transaction and experiences I am having with corporations to be shown on my consumer report. I would like it to just show " updated/paid as agreed ''. 15 USC 1666b is being violated due to listing payments as late under open ended consumer credit plans. 20 U.S. Code 1232g - " Family educational and privacy rights '' is being violated by even reporting any school/educational history on my consumer report. 15 U.S. Code 1681e - " Compliance procedures '' is being violated due to many inaccurate reporting 's on my consumer report. Your company can be held accountable under 15 U.S. Code 1681n - " Civil liability for willful noncompliance '' and 15 U.S. Code 1681o - " Civil liability for negligent noncompliance '' due to the many violations being committed and the continuing of violations being committed even after consumer has given notice on many documented occasions. Attached will be my COMMON LAW COPYRIGHT NOTICE and also, a UCC 1 & 3/Financing Statement/Lien on the consumer 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 2025-05-18 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: MO

Complaint narrative:
I see many violations on my consumer report even though I have complained many times before thus complaint. My report violates many provisions within 15 USC 1681. I don't not give consent to report adversely on my consumer report. My consumer report violates the Privacy Act of 1974 by having my personal private information giving out publicly without my written consent. 15 U.S. Code 1681b - " Permissible purposes of consumer reports '' is being violated by your company consumer report on my consumer due to never receiving written consent. 15 U.S. Code 1681c - " Requirements relating to information contained in consumer reports '' is being violated due to adverse items on report including inquires also. 15 U.S. Code 1681a - " Definitions ; rules of construction '' is being violated against due to having reports containing information solely as to transactions or experiences between the consumer and the person making the report. I do not give consent for my transaction and experiences I am having with corporations to be shown on my consumer report. I would like it to just show " updated/paid as agreed ''. 15 USC 1666b is being violated due to listing payments as late under open ended consumer credit plans. 20 U.S. Code 1232g - " Family educational and privacy rights '' is being violated by even reporting any school/educational history on my consumer report. 15 U.S. Code 1681e - " Compliance procedures '' is being violated due to many inaccurate reporting 's on my consumer report. Your company can be held accountable under 15 U.S. Code 1681n - " Civil liability for willful noncompliance '' and 15 U.S. Code 1681o - " Civil liability for negligent noncompliance '' due to the many violations being committed and the continuing of violations being committed even after consumer has given notice on many documented occasions. Attached will be my COMMON LAW COPYRIGHT NOTICE and also, a UCC 1 & 3/Financing Statement/Lien on the consumer XXXX XXXX.

Company response to consumer: Closed with explanation