vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: PA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: LA

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

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2025-03-30 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: KS

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach. Other reviewing of my credit reports I notice some account that im not familiar with I have asked CRA 's for validation of debt. however the information has not been provided Due to my information being exposed I have submitted a FTC complain reporting the information im not familiar with. 

Please find the attached copt of my ID, THE FTC complain and a copy of the XXXX report showing my information being exposed in a national data breach and a validation of Debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Self Financial Inc.
State: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: KS

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach. Other reviewing of my credit reports I notice some account that im not familiar with I have asked CRA 's for validation of debt. however the information has not been provided Due to my information being exposed I have submitted a FTC complain reporting the information im not familiar with. 

Please find the attached copt of my ID, THE FTC complain and a copy of the XXXX report showing my information being exposed in a national data breach and a validation of Debt letter.

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 2025-03-30 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: PA

Complaint narrative:
XX/XX/XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX, PA Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. XXXXPlease remove the following items from my credit report, immediately : 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-30 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: PA

Complaint narrative:
XX/XX/XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX, PA Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. XXXXPlease remove the following items from my credit report, immediately : 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 XXXX XXXX XXXX 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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX American Express Subject : Request for Clarification Regarding Credit Card Account Cancellation I reached out to American Express explaining that someone taken control of my card that I was living with and I provided a police report of XXXX XXXXXXXX because this person used my credit card and it was a miss payment for one month only after paying all debts with American Express the entire time I had the card, maintaining a healthy credit relationship. 
They closed my account after one missed payment. I was not going to pay nor was I able to pay because I did not have the means and I didn't conduct transaction. 



I hope this letter finds you well. I am writing to request clarification regarding the cancellation of my credit card account and the actions taken under the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of 2009. Specifically, I am seeking clarification on the following : Notification of Cancellation : Under the provisions of the CARD Act, I understand that credit card issuers are required to notify cardholders of any cancellation or reduction of credit limits at least XXXX  days prior to the change taking effect. However, I have not received such notification from your institution. Could you kindly provide proof of such a notice being sent, or clarify why this requirement may not have been met in my case? 
Reason for Account Cancellation : I would appreciate an explanation of why my account was canceled. If my account was closed due to non-payment or another reason, I would like to understand the specific circumstances and details leading to the closure. If there is any information I can provide to resolve any issues or disputes, I am more than willing to do so. 
Impact on Credit Report : If the cancellation of my account was reported to credit bureaus as being closed by the issuer, I would like to request a review to ensure that it is reported accurately. Additionally, if there are any outstanding balances or fees associated with the cancellation, please provide details on how I should proceed with clearing the balance. 
Right to Dispute : If the cancellation or any associated fees violate the protections under the CARD Act, I request that this matter be investigated further and the necessary steps be taken to resolve any potential violation. 
I request that you respond to this inquiry within the timeline stipulated by law, and I would appreciate it if you could provide a formal written response to the issues outlined above. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or XXXX, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within XXXX  days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-30 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: KS

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach. Other reviewing of my credit reports I notice some account that im not familiar with I have asked CRA 's for validation of debt. however the information has not been provided Due to my information being exposed I have submitted a FTC complain reporting the information im not familiar with.

Please find the attached copt of my ID, THE FTC complain and a copy of the NPD report showing my information being exposed in a national data breach and a validation of Debt letter.

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 2025-03-30 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: KS

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach. Other reviewing of my credit reports I notice some account that im not familiar with I have asked CRA 's for validation of debt. however the information has not been provided Due to my information being exposed I have submitted a FTC complain reporting the information im not familiar with.

Please find the attached copt of my ID, THE FTC complain and a copy of the NPD report showing my information being exposed in a national data breach and a validation of Debt letter.

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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Around XXXX I deposited a check of XXXX on my friends chase bank account. My bank XXXX XXXX XXXX is in a different state XXXX I put a mobile deposit with a signature on my friends account hoping that she would wire me my check. Next morning, we get an email that chase has closed the account due to suspicious fraud. We called customer service and explained our situation they directed us to go to a branch. We went to the branch in XXXXXXXX XXXX three times- where we spoke to the branch XXXX about our situation. He sat us down, and mention way that I can update my record. I brought in XXXX forms of identification. I brought in my paper check to prove its official. The XXXX of the branch escalated the situation to the hire up. A week later we received a call, and they told us that my public records indicated that they are trying to reach third party and it was confirmed that my old number was still on my records. I have been directed to update my public record what that I can, I updated my socials, I updated my XXXX account, my XXXX account, my voter registration info and I could think of and its been going on for two months and Im still not getting answers from chase. I tried to get ahold of my old number but that number is already unavailable and distributed to someone else. I offered them my new phone number my forms of identification, they payor of the check, and the physical check but Im not receiving much help. I escalated this situation XXXX and have been trying to update my records and still not receiving help from chase bank. I have exhausted all my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion regarding a collection account from XXXX XXXX XXXX ( NATLCRSYS ) for an alleged housing-related debt. Over the following days, I received multiple emails confirming the dispute was being reviewed. On XX/XX/year>, TransUnion closed the dispute and marked the account Verified as Accurate and Updated, resulting in a XXXX drop in my credit score. 

On XX/XX/year>, during a live chat, I asked a TransUnion agent what documentation was provided to verify the account. The agent confirmed that the dispute was completed and stated I would receive an email within XXXX hours with the supporting documentation. I never received anything. 

This violates my rights under the FCRA, which requires credit bureaus to provide a description of the procedure used to verify disputed information and to include documentation if requested. I have not been given any explanation or proof of the verification, despite multiple requests.

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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Calvary gave this debt to XXXX to collect from me when Im already making payments to another creditor for this debt. They also added someone else to this debt that isnt and has never been on any credit card debt with me. Ive been going back and forth with them for a couple of years with no resolution until I was told by my employer they are garnishing my wages for this debt. Ive tried and tried to resolve this multiple times with this company and Calvary with no luck, I live paycheck to paycheck and will not financially recover from their mistake.

Company response to consumer: Closed with explanation