vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$7700.00} & DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$7700.00} & DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00}

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 2025-05-03 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: VA

Complaint narrative:
You have reported inaccurate XXXX unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, XXXX XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX  investigate XXXX correct this, I XXXX pursue legal action under the FCRA XXXX  FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX  misleading reporting.

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was the victim of debit card fraud, involving the unauthorized use of my card and PIN. I am unsure how my card details and PIN were compromised, but I immediately reported the issue to Chase Bank upon discovering the fraudulent activity. Despite this, I recently received a letter stating that the provisional credit has been reversed, and that I am now responsible for the chargesbased on the claim being denied due to the use of a PIN. 

I was told by XXXX of Chase representatives that the matter is considered closed and that I must now prove that I was not the person who made these transactions. This is extremely frustrating, as I expected more thorough investigative support from the bank in a situation where I am clearly the victim. 

The fraudulent transactions in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several reasons these purchases are inconsistent with my typical behavior and clearly suspicious : I have never shopped at these XXXX XXXX locations. In fact, my transaction history will show I rarely, if ever, shop at XXXX XXXX at all. 
There is a XXXX XXXX much closer to my residence in XXXX XXXX, which I would have visited if I had any need. 
The XXXX location is approximately XXXX minutes from my homethere is no logical reason for me to travel that far for a purchase of this nature. 
On XX/XX/XXXX, I had a professional engagement at my church at XXXX XXXX. A friend arrived at my house at XXXX XXXX, and I left by XXXX XXXX to fulfill this obligation. I can provide timestamped text messages as evidence of this timeline. 

Despite explaining this, I was told that the claim was denied because the PIN was usedimplying that I must have authorized the purchases. However, this logic fails to consider the very real and growing threat of card skimming and PIN theft. I am also concerned that your investigation did not include requesting security footage from the merchants, which could have clearly demonstrated that I was not the individual who made these purchases. 

I respectfully request that this case be re-examined with the seriousness it deserves. I am a long-time customer, and I hope to continue trusting your institution to protect my finances. I ask that you reconsider the denial of my claim and take appropriate steps to obtain the security footage or other relevant evidence that may help establish the truth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Unverified, Inaccurate and Inconsistent Charge-Off Reporting. 

Dear CFPB Officer, I am writing to file a formal complaint and request an immediate reinvestigation into an inaccurate and unverified charge-off being reported on my credit file by XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite multiple past attempts to resolve this issue directly with the credit bureaus and furnisher, the charge-off remains, without valid proof of its accuracy, ownership, or verifiability. This is in direct violation of multiple consumer protection laws, which I will outline below. 

FCRA 611 ( 15 U.S. Code 1681i ) I formally disputed this item and no valid verification was provided within the 30-day window. The continued reporting of this charge-off is unlawful.

FCRA 607 ( b ) ( 15 U.S. Code 1681 e ( b ) ) Credit bureaus are obligated to maintain accurate and up-to-date records. The lack of accuracy and the level of inconsistency in reporting is evident in XXXX XXXX. The credit bureaus duty is to ensure " maximum possible accuracy ''. Instead of sending an original document of the account the bureaus sent a page from an old credit report as proof. 

FCRA 609 ( a ) ( 1 ) ( 15 U.S. Code 1681g ) I requested complete information, including the original contract, itemization of the debt, and verification of ownership and a 1099-C form confirming the debt was charged-off. None was provided.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers must not or report information they know or should know is inaccurate. Continued reporting without validation suggests reckless disregard.

FCRA 623 ( 5 ) Upon receiving my dispute, the furnisher failed to conduct a reasonable investigation or provide documentation confirming the accuracy of the charge-off. I was sent a page from a prior credit report that was also shows inconsistent and inaccurate reporting.

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 2025-05-03 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: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
For the past 2 years I had over XXXX or more inquiries on my credit report due to misuse by car companies when looking for a car and also a lot of random inquiries from places I never even knew about and Im wondering if my information has been leaked or given out by these companies and they need to be removed XXXX inquired on XXXX a random inquiry XXXX XXXX XXXX inquired on XXXX There four inquiries by XXXX XXXX dates as listed XXXX XXXX inquiries by XXXX  XXXX XXXX XXXX inquiries by JP Morgan Chase Bank XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two inquiries by XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
You have reported inaccurate XXXX unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, XXXX XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you faiXXXX XXXX investigate XXXX correct this, I may pursue legal action under the FCRA XXXX  FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX  misleading reporting.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate XXXX unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, XXXX XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you faiXXXX XXXX investigate XXXX correct this, I may pursue legal action under the FCRA XXXX  FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX  misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
My Father opened a XXXX XXXXt bank account at Ally bank in XXXX for purposes of the trust to have an account to pay and receive funds. I am his son and the legal trustee of the XXXX which encompasses everything placed in the XXXX  which includes the account ( XXXX ) held at Ally Bank. On XX/XX/XXXX my father passed away. As trustee I have a fiduciary duty to control, maintain, pay beneficiaries, and debtors as well as take in any funds owed and/or make or maintain investments to keep said XXXX in good standing. I have a fiduciary duty obligation to make mortgage payments on behalf of the XXXX 
On XX/XX/XXXX i made a wire transfer from ally bank to XXXX XXXX XXXX The wire was not honored and Ally Bank subsequently locked all access to the account. 
The Mortgage is now going into foreclosure as of XX/XX/XXXX. Ally bank refuses to help me, they refuse to return my phone calls, I am unable to XXXX mail Ally bank concerning this matter. Subsequently, roughly XXXX are in this account to which I have no access and I have creditors and debtors as well as beneficiaries to answer to. This issue is now bordering on a criminal complaint.

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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. As stated in XXXX XXXX. Sec. XXXX ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter. 

Please provide an updated copy of my credit report to the aforementioned address. According to the law, there should be no fee associated with this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXXXXXX Payment Status : Late 30 Days Late Days : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXXXXXX Payment Status : Late 30 Days Late Days : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: LA

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 2025-05-03 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: EQUIFAX, INC.
State: LA

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 2025-05-03 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief