vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX I XXXX writing to formally dispute the inaccurate information on my credit report. The item in question is a XXXX Bank account reported as negatively impacting my credit history. This account was closed on XX/XX/XXXX, and I believe it has been reported inaccurately or should not be included on my credit report. 
Details of Disputed Account : Account Name : XXXX Bank Account Number : XXXX Date Closed : XX/XX/XXXX The account in question is reported as having a negative impact on my credit history. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( the portion concerning dispute rights ), I am requesting that this information be verified. If the account is not accurately reflected, I request its removal from my credit report.

I understand that under the FCRA, you are obligated to investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving this dispute. Please provide me with the results of your investigation, including any documentation or verification you obtain regarding the XXXX XXXX  account. 
If the information can not be verified or if XXXX XXXX  is unable to substantiate the accuracy of this account as it currently appears on my credit report, I request that this item be deleted or corrected accordingly.

For your reference, I am including the following supporting documentation : 1. A copy of my government-issued ID ( for verification purposes ) 2. A copy of my recent credit report showing the disputed item 3. A utility bill [ for proof of address ] Please send me a written confirmation of the results of your investigation and any actions taken regarding this dispute. You may reach me at the contact information listed above should you require any additional information.

Thank you for your prompt attention to this matter. 
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 2025-03-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX I XXXX writing to formally dispute the inaccurate information on my credit report. The item in question is a XXXX Bank account reported as negatively impacting my credit history. This account was closed on XX/XX/XXXX, and I believe it has been reported inaccurately or should not be included on my credit report. 
Details of Disputed Account : Account Name : XXXX Bank Account Number : XXXX Date Closed : XX/XX/XXXX The account in question is reported as having a negative impact on my credit history. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( the portion concerning dispute rights ), I am requesting that this information be verified. If the account is not accurately reflected, I request its removal from my credit report.

I understand that under the FCRA, you are obligated to investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving this dispute. Please provide me with the results of your investigation, including any documentation or verification you obtain regarding the XXXX XXXX  account. 
If the information can not be verified or if XXXX XXXX  is unable to substantiate the accuracy of this account as it currently appears on my credit report, I request that this item be deleted or corrected accordingly.

For your reference, I am including the following supporting documentation : 1. A copy of my government-issued ID ( for verification purposes ) 2. A copy of my recent credit report showing the disputed item 3. A utility bill [ for proof of address ] Please send me a written confirmation of the results of your investigation and any actions taken regarding this dispute. You may reach me at the contact information listed above should you require any additional information.

Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I am filing this complaint against XXXX due to their failure to provide me with the necessary information to resolve a debt, and the subsequent negative impact this has had on my ability to open a new account with them. 
On XX/XX/year>, I contacted XXXX regarding a previously held account with a negative balance of {$19.00}. I was informed by a XXXX customer service representative that this balance had been sent to a third-party collection agency. I requested the name and contact information of this collection agency. However, the representative stated that they did not have access to that information. 
Subsequently, I contacted XXXX multiple times, speaking with three different customer service agents and a supervisor. On each occasion, I requested the collection agency 's information. All representatives, including the supervisor, stated that they were unable to provide me with the name or contact details of the collection agency. 
To further investigate this matter, I contacted XXXX 's collections department directly. The collections team attempted to locate my account using my name and phone number. They informed me that they were unable to find any record of my account or the alleged debt. This directly contradicts the information provided by XXXX 's customer service representatives. 
Furthermore, I have obtained copies of my credit reports from XXXX, XXXX, and XXXX, as well as my XXXX report. None of these reports list any collection accounts related to the {$19.00} debt from XXXX. This further supports my claim that XXXX is unable to provide accurate information regarding this alleged debt. 
As a result of XXXX 's inability to provide the collection agency 's information, I am unable to resolve this outstanding debt. This unresolved debt has directly led to XXXX denying my application to open a new XXXX money account. XXXX is therefore preventing me from doing business with them, due to their own internal failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brown and Joseph, Ltd
State: MI

Complaint narrative:
I previously submitted complaint number XXXX concerning Brown & Joseph , LLC XXXX and its agent XXXX XXXX XXXX 

I subsequently asked that XXXX XXXX not contact me again, and she contacted me within about XXXX minutes to attempt to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

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 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I used Equifax to freeze my credit report a while back on their website. I tried to unfreeze it since 15 days ago by logging into my Equifax account. However, the website keeps saying that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I then tried using the Equifax app on my phone, which was developed by Equifax, to unfreeze my credit report. The app also says the request could not be completed. Still calling several times to Equifax, and they said " They can't do anything else from their side ''. 

After several phone calls, especially today 's call, I am now getting a new error message. This message appears when I try to access my account : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
additional information for XXXX : the payment has not been able to be processed during my trip to XXXX from XX/XX/scrub>/2024 through XX/XX/year>2024 and during last 1-2 week. I paid the annual fee of {$590.00}. But, I was not able to use the card for 2 months.

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 2025-03-27 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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, 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 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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING XXXX UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We registered a new XXXX with the State Of New Jersey Division Of Revenue on XX/XX/year>2025. Because we had reserved the name in advance, we were required to submit the registration using a paper form which we completed and submitted at the physical office for The State Of New Jersey Division Of Revenue in XXXX, NJ. The document given to us clearly states on the top that This form constitutes your original certificate of incorporation / formation / registration / authority ( copy of form attached ). 
Upon taking this form to Chase Bank on XX/XX/scrub> 2025, with XXXX XXXX in the XXXX PA branch. She informed us they could not accept the form because it is not something they are accustomed to seeing, as most people are able to register their business online. Hence, we could not open our account. Opening the account with Chase Bank is important because we have several other business accounts with Chase Bank and having an account at another bank is very inconvenient and time-consuming. 

Hoping we could get an alternative form, we went to the physical office of The State Of New Jersey Division Of Revenue in XXXX, NJ on XXXX of XX/XX/year>2025 and asked if we can get another form of certificate of formation for the XXXX. The Division Of Revenue informed us that this is the only form that we will get for this XXXX and there is no other form that can be produced. 

We then also were able to get a certificate of good standing from the state of New Jersey for the XXXX. 

On Wednesday, XX/XX/year>2025, I had a meeting with XXXX XXXX who then called XXXX XXXX who both again informed us that they could not accept the form given to us by the State Of New Jersey, and the Certificate Of Good Standing did not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: FL

Complaint narrative:
U.S. BANK FRAUDULENT AND MISLEADING advertising The incompetence from the rep assigned to resolvemy case which is XXXX from XXXX XXXX XXXX, is unable to have common sense. He has no customer service skills. Due to the performance of this individuals gives a bad reputation to the company as the one I am reporting which is misleading other advertising I sign up step-by-step for the bonus promotion Ive been printed out attach is a copy of it. I also called customer service to verify the promotion was putting incorrectly by your system. They couldnt verify. I email your corporate office executive office and catering assigned this rep XXXX, which is incompetent to resolve an issue, he does not listen. I told him step-by-step how I set up the promotion online. The promotion code was added. He claims that he wasnt and he does not listen after a customer takes takes all these steps to make sure that your bank does the job correctly and you dont believe the customer that is a lot about your company, but more important is misleading advertising. While employees responding to this complaints take their time to resolve these issues. Im forwarding these complaints. Are their responses to the board of directors of this company. 
BEFORE I SUBMITTED ANY COMPLAINTS I gave U.S. Bank the choice to fix their issues however because of employees like XXXX is that your company is getting all these complaints so once again Im asking to please resolve this issue ASAP.

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 2025-03-27 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a joint account with my husband and I am disputing XXXX XXXX, they had marked our account as Charge Off, which is incorrect, I paid XXXX on XXXX, the statement I attached clearly shows that the payment is due on XXXX, I even called to speak to a XXXX agent and she advised to payment by XXXX, I paid way in advance, also on my credit report there is no late payments at all that lead up to the Charge off. I have disputed numerous times to all 3 credit bureaus and never resolved. Due to this charge off it is effecting my credit worthiness.

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 2025-03-27 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: GA

Complaint narrative:
Recently, I filed a complaint against Experian for not reporting the balances on my XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  accounts accurately. ( See CFPB Complaint ID # XXXX. At the time I did this, my Experian credit score was XXXX. 

On or about XX/XX/scrub> 2025, following the completion of the above dispute I filed, my credit score increased from XXXX to XXXX. 

Several days later - today on XX/XX/year>2025, despite the balances on both CC accounts being updated & the amount of credit decreasing, I got the results of the same ( as above or similar ) investigation notifying me that my credit score decreased XXXX points. 

There is no way or reason whatsoever that my credit score could or should have decreased XXXX points. 

Experian is inaccurately reporting an incorrect credit score and is therefore violating the Fair Credit Reporting Act ( " FCRA '' ).

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 2025-03-27 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: VT

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief