vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance regarding an issue I am experiencing with the reporting of my credit card balances to the credit bureaus. Despite having recently paid down my balances on multiple XXXXXXXX XXXX XXXX XXXX XXXX  credit bureau has not updated my account information, which is negatively impacting my credit score due to an inflated credit utilization ratio. 

The details of my accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number Ending : * * # XXXX * * - Current Balance : * * {$4.00} * * XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * {$4.00} * * XXXX. * * Capital XXXX Card ( Authorized User ) * * - Card Number Ending : * * # XXXX * * - Current Balance : * * {$6.00} * * According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( a ), furnishers of information, including credit card companies, are required to report accurate information to credit bureaus and ensure that inaccuracies are corrected in a timely manner. While I have confirmed that XXXX of the major credit bureaus have updated my balances, XXXX bureau continues to reflect outdated information.

This discrepancy is adversely affecting my credit score, and I believe it is a direct violation of the FCRA. I have contacted my credit card issuer, and they have confirmed that they reported the updated balances to all three credit bureaus. 

I kindly request your intervention in this matter to ensure that my credit report reflects accurate and up-to-date information. Thank you for your attention to this issue, and I look forward to your prompt response. 

Sincerely, 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 2025-05-29 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: NY

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I tried to open up an account with Navy Federal Credit Union, since I am an XXXX XXXX Veteran of the United States Navy. They sent me a notice telling me they did not believe I was actually who I am and said I needed to contact their security office and prove who I am. I tried calling them multiple times at the number provided and ended waiting on hold for almost an hour twice and hung up because I was to busy to keep waiting. I did finally get with someone some months later and they told me I was barred from applying. I asked them why and they told me they could not reveal that answer to me. Again I am a XXXX XXXX XXXX XXXX Veteran, also a business owner of 21 years, good credit, no issues with multiple other bank accounts through XXXX XXXX, XXXX, other credit unions and no issues... All I want is my right as a Veteran of the XXXX XXXX to actually get an account and not be discriminated against!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I signed up for the XXXX XXXX card. I was told I would get an account number to sign up and pay my card off. The first letter I got was a 30 days late notice, never once knew what my account number was... only the last 4 digits since I used that with the number on the card to pay the card off in full and close the account. 

Im trying to buy a home and this card screwed me over. I never got my account creation letter. Just the late payment letter. So now my credit is dinged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( XXXX U.S.C. 
XXXXc-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I have requested on times in XX/XX/year> and XX/XX/year> that the accounts be verified and proof of validation be provided to me. The agency has failed to verify and validate the debt. The agency has also failed and/or refused to provide requested an Assignment Contract, or Original Signed Contract. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I have provided a list of the item ( s ) resulting from the identity theft that should be blocked that are on my XXXX XXXX XXXX, and any other Credit Reports ; The accounts are related to my information being involved in multiple data breaches including data breaches with XXXX XXXX XXXX & XXXX as well as others, and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the 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 consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-29 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: EdFinancial Services
State: MI

Complaint narrative:
This is a formal rebuttal to the response provided by Edfinancial Services regarding my prior CFPB complaint concerning the unauthorized release, use, and retention of personally identifiable information ( PII ) related to my federal student loan account.Edfinancial 's response asserts adherence to the Privacy Act of 1974 and claims that no unauthorized disclosure has occurred. However, their explanation does not sufficiently address the crux of my concern : the * * continued collection, maintenance, and dissemination of my PII under contract with the U.S. Department of Education without ongoing informed consent or sufficient transparency * *. Under the Privacy Act, all federal contractors managing PII are held to the same standards as the agencies they serve. This includes : - Proper notification and accounting of disclosures under 5 U.S.C. 552a ( c ).- Affirmative rights of individuals to request amendments under 5 U.S.C . 552a ( d ).- An obligation to maintain accurate, timely, and relevant information.My complaint also centers on the fact that * * I have not been provided documentation showing how my data has been transferred or used by Edfinancial or any subcontractors * *. Additionally, there has been no information validating that my rights under the Privacy Act, FERPA, or EDs own internal controls have been proactively enforced or made accessible.Furthermore, while Edfinancial asserts that no discharge is available through these privacy-related statutes, my inquiry included whether * * privacy violationssuch as improper handling, retention, or third-party disclosurescould constitute grounds for data correction, suppression, or agency-level reconsideration under EDs own regulatory authority * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
This is my final rebuttal and legal demand for the immediate deletion of all inaccurate and fraudulent data reported OnXX/XX/XXXX, I submitted a legally valid Identity Theft Report through the Federal Trade Commission ( FTC ), Your refusal to honor the FTC Identity Theft Affidavit and demand additional documentation is unlawful and in violation. 

ChexSystems is now in direct violation of multiple federal laws including : FCRA XXXX ( XXXX U.S.C. XXXX ) : Failure to block fraudulent information after receipt of identity theft affidavit FCRA XXXX ( XXXX U.S.C. XXXXi ) : Failure to reinvestigate disputed information FCRA XXXX ( XXXX U.S.C. XXXXg ) : Failure to provide full consumer file disclosure FCRA XXXX ( XXXX U.S.C. XXXXb ) : Unauthorized inquiries without permissible purpose FDCPA XXXX ( XXXX U.S.C. XXXXe ) : Reporting inaccurate information knowingly FACTA Denial of rights to proper identity theft handling and dispute access These are not minor errors they are serious violations of federal rights that continue to cause financial hardship and emotional distress. I have made every good-faith effort to work with ChexSystems under the law, and your refusal to comply is unacceptable. 

I demand immediate action as follows : 1. Permanent deletion of the XXXX XXXX account ending in XXXX from my ChexSystems report. 
2. Removal of all related inquiries. 
3. Written confirmation that all fraudulent data has been deleted and will no longer be reported to third parties. 
If ChexSystems fails to comply, I will pursue all available legal remedies, including : - Additional complaints to the CFPB and FTC, - Formal legal action for FCRA and FACTA violations, - Damages for financial harm and emotional distress caused by your continued negligence

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 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-29 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-29 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-29 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: TN

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Please review this complaint thoroughly, as it was submitted intentionally and not in error. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has caused me considerable stress and anxiety.

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 2025-05-29 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:
On XXXX American Express reduced my credit limit by XXXX unbeknownst to me the card holder. I am a member in good standing with Amex and, I was never informed or given the opportunity to address the situation by Amex. When I contacted Amex, I was given inadequate information and help, causing my family extreme financial distress in an already chaotic economic time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian and Equifax cause its been more than XXXX days. They disputed XXXX I still need XXXX more of fraudulent accounts. I filed with the FTC identity theft uploaded the first credit report act with supporting documents and they told me I had to wait 30 days on both Equifax and Experian. Theyre not following protocol or the rules of the fair credit report 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 2025-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
I checked into XXXX XXXX in XXXX XXXX XXXX Florida on XX/XX/XXXX and the motel put a hold on my cash app card I paid the deposit in cash which was {$100.00}. I checked out on XX/XX/XXXX. When I checked out I was told that when the end of the day closure I would recieve the XXXX deposit back onto my cash app card. There is a hold on my card for {$240.00} which includes the XXXX deposit. I waited 3 days and the charge is still pending I called the motel and they stated the charge should clear in 3 to 7 days. I then contacted via chat to cash app and was told the charge wouldn't clear until XX/XX/XXXX. I them contacted the motel via email to the manager XXXX XXXX and explained the situation and he stated that the charge was cleared at the motel on XX/XX/XXXX and there is no hold on my card with them. I have had multiple chat conversations with cash app. They requested documentation from the motel showing they had no hold on my card. I have sent cash app these documents and they still refuse to clear the charge and refund my XXXX. This is clearly a case of cash app refusing to clear the charge and refund my XXXX

Company response to consumer: Closed with explanation