vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX Bankruptcy ACCOUNT XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT 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 explanation
Consumer complaint received 2025-03-02 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX Bankruptcy ACCOUNT XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a letter from Chase stating they were closing my two credit card accounts due to " UNEXPECTED ACTIVITY. '' I wrote to them asking what that activity was and stating that my spending habits/patterns hadn't changed over more than two decades. They wrote back again stating the same thing : My accounts were closed due to " UNEXPECTED ACTIVITY. No additional information provided to customer for your privacy. '' They provided a number to call to ask for details. I called that number and was told they would not disclose the reasons for closing the accounts. Only that it was in Chase 's best interest. Certainly if they have a concern, then it seems to me that I should also be concerned about whatever it is they see. But no, they won't share it.

I'm very unhappy with the closure of my accounts, but I am more concerned that they will not share the reasons for doing so. For example, is there a purchase or purchases I should be concerned about? I've reviewed all of them over the past several months, and they are all legitimate with recognized vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
Please see attached ID Theft Report I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter ( XX/XX/year> ).

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 2025-03-03 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: FL

Complaint narrative:
TRANSUNION HAS FAILED TO REMOVE THESE INQUIRES I HAVE CALLED AND TALK TO AGENTS THEY TOLD ME IT WILL BE REMOVED AND THEY HAVE FAILED TO REMOVE THEM YET AGAIN!!! I am writing to urgently demand your intervention in a matter that has not only compromised my financial integrity but continues to threaten my legal rights under the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, resulting from the infamous XXXX data breach, which has led to multiple unauthorized inquiries on my credit report. 

Despite my efforts to resolve these issues through the normal channels provided by credit reporting agencies, my situation remains dire and unresolved. This is a formal plea for the CFPB to take immediate action against these violations of my consumer rights. 
Failure of the CFPB to act on this request will not only exacerbate my current predicament but will also compel me to seek further legal recourse at all available venues. This letter serves as a formal notice of these issues and my expectations for a swift resolution. 

I have attached all pertinent documentation to this communication for your review. I expect a formal acknowledgment of this letter and a detailed action plan from the CFPB within five business days. Anything less will be deemed unacceptable and will prompt immediate legal actions. 

Thank you for your immediate attention to this critical issue. I await your prompt response and actions.

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-02 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: NC

Complaint narrative:
Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from XXXX and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified XXXX XXXX XXXX XXXX # XXXX : {$9000.00} : Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX : {$2.00} : Date Fraud Begun : XXXX XXXX, XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience. As I have not provided consent for this debt to be reported, I demand that you cease all reporting of this account to any and all credit reporting agencies. These accounts were created without my knowledge or authorization, and their presence on my credit report is unacceptable. I request written confirmation that these accounts have been removed from my credit report. I demand proof of verification or a copy of the legally binding contract with a wet signature application proving my identity, in addition to a valid drivers license ; this should have been done before authorizing any account. A mere computer-generated printout of this debt is insufficient and constitutes a violation of regulations. Failure to comply with these requests will result in legal actions against your consumer reporting agency, as I am fully aware of my rights under federal law. I am being harassed due to these inaccuracies, and I will not tolerate further violations of my rights

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 2025-03-02 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: NV

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 or 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 I provided, causing ongoing harm to my card 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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On or around XX/XX/year>, My American Express Gold card showed a charge of {$1000.00} to a company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Software. I never made any such purchase for any reason. I had been making minimum payments to American Express, which were around $ XXXX over time on charges I can account for. When I tried to contact this company who charged my card and to dispute the transaction, I was not able to get a representative on the phone to find out why my credit card was fraudulently charged. I also tried contacting American Express, but there were not very cooperative in hearing my inquiry or doing anything about the fraudulent charge. My company eventually went out of business, due to financial hardship, and I was unable to make payments to my credit card and American Express was sending bills with interest charges, late fees and all kind of other charges. On top of that, they cancelled my American XXXX XXXX XXXX XXXX XXXX, which I was paying on time, each month, with a monthly payment of {$40.00}. Because of the issues I was experiencing with my American Express XXXX XXXX, they suspended my usage on my personal AMEX card. Because I was unable to make payments on either card, they closed my account and sent my account to a few collection agencies ( XXXX XXXX XXXX XXXX, XXXX, Portfolio Management ). The amount that American Express is saying that I owe is {$4700.00} ( American Express XXXX XXXX ) and {$1300.00} ( American Express XXXX XXXX XXXX XXXX ). This now shows on my credit report, which has impacted my XXXX XXXX adversely, making it difficult to restore my creditworthiness going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect a debt that is not mine. Despite my clear request for verification of the debt, PRA has refused to provide any evidence or documentation supporting their claim. As a result, I am being wrongfully pursued for a debt that I do not owe. 
I received communication from Portfolio Recovery Associates regarding a debt they claim I owe. 
Upon receiving this communication, I promptly requested verification of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Portfolio Recovery Associates has refused to provide any documentation or verification of the debt in question. 
This debt is not mine, and I have not entered into any agreements or obligations the Portfolio Recovery Associates. 
I request that Portfolio Recovery Associates immediately cease all collection efforts regarding this alleged debt. Additionally, I demand that any negative marks related to this debt be removed from my credit report. 
Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by investigating Portfolio Recovery Associates actions and ensuring they comply with the FDCPA. This debt should be removed from my records, and no further collection efforts should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
To Whom It May Concern : I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). 

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late. 
Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE
State: IN

Complaint narrative:
XX/XX/2025 I was met in mediation for a judgment that was old and passed due in an amount of {$10000.00}. I advised that I could not afford a 25 % garnishment as I have extenuated health circumstances and need my job to cover medical expenses not covered by my insurance and I am my only income. I was then advised they were not willing to negotiate a payment with me and they would be going after 25 % of my pay. Did not try to work with me. Isnt it a law that they can not take more than you can afford and have to take whatever payment is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft. I have discovered that accounts have been opened in my name without my consent, and I want them removed from my credit history. The accounts are as follows : XXXX XXXX XXXX Last reported XX/XX/2025 {$770.00} Open balance XXXX XXXX XXXX Original creditor

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection/Chargeoff at Jefferson Capital System XX/XX/year>, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud!

Company response to consumer: Closed with explanation