vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15
U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Im very upset that my information continues to get breached and spreading on the dark web. Im getting fake emails thats probably an attempt of fraud or hacking. There NO protection of my information yet I have to provide my information to you. Im getting mail for people that dont live at my address yet youre associating me with those people. Im requesting ALL of this false information to be removed and SECURED! If bureaus are unable to protect my identity and information then I shouldnt have to provide it to you. How do I know my identity hasnt been stolen?????

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 2025-01-01 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: LA

Complaint narrative:
XXXX very upset that my information continues to get breached and spreading on the dark web. XXXX getting fake emails thats probably an attempt of fraud or hacking. There NO protection of my information yet I have to provide my information to you. XXXX getting mail for people that dont live at my address yet youre associating me with those people. XXXX requesting ALL of this false information to be removed and SECURED! If bureaus are unable to protect my identity and information then I shouldnt have to provide it to you. How do I know my identity hasnt been stolen?????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 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 XXXXXXXXhas violated my rights. 
I looked at Equifax credit report on XXXX XXXX and noticed somethi '' ngs are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, An individual stole my phone number ( XXXX ) and gained access to my Chase account. I did not have any access to ( XXXX ) after XX/XX/XXXX, as it was hacked and stolen, therefore I did not authorize any transactions made after this date nor did I authorize anyone else. They had created an XXXX XXXX account without my authorization and transferred my funds from my bank account without my authorization while making withdrawals. They also transferred back and forth around $ XXXX from my savings to checking without my authorization. They had stolen overall $ XXXX through withdrawals. I had immediately went to the XXXX Branch of Chase ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and made a fraud claim by associate XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Notice to an agent is noticed to the principal. 

Dear SELF, Thank you for your recent correspondence dated XX/XX/year>, regarding my inquiry under Case # XXXX. While I appreciate the explanation of your companys practices, including the additional XXXX days you provide to consumers beyond the statutory XXXX requirement, this is not responsive to my request. 

To restate clearly, I am asking for proof of compliance with 15 U.S.C. 1637B, specifically documentary evidence that disclosures were mailed or delivered no less than XXXX calendar days before the payment due date, as mandated by federal law. This proof must include verifiable documentation such as a tracking number, receipt of delivery, or other definitive evidence demonstrating compliance with the timing requirement. 

Your response, which outlines your policy of providing XXXX  days, while appreciated, is irrelevant to my specific demand. Let me clarify : XXXX. I am not asking about your general policies or practices. 


XXXX. I am not inquiring about account summaries, payment histories, or additional days you provide to consumers. 


XXXX. I am requesting only documented proof of mailing or delivery of the disclosures required under 15 U.S.C. 1637B, at least 21 days before the payment due date. 

Failure to provide this specific evidence will constitute a violation of federal law, including 15 U.S.C. 1681N ( willful noncompliance ) and 15 U.S.C. 1681O ( negligent noncompliance ). 

Can you provide documentary evidence that disclosures were mailed or delivered at least 21 days before the due date, as required by law? 

If such proof does not exist, are you acknowledging noncompliance with federal statutes? 

Please provide the requested proof within XXXX calendar days from the date of this communication. Failure to do so will leave me no choice but to file claims for statutory and punitive damages under the Fair Credit Reporting Act and Truth in Lending Act. 

While I appreciate your company 's policy of giving consumers additional time, it does not address my inquiry. Any further responses that evade or obfuscate this request, or include irrelevant information, will be viewed as deliberate noncompliance. 

This is a time-sensitive matter, and I trust you will handle it with the urgency and specificity it demands. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to formally dispute certain information that appears on my credit report. I recently reviewed my credit report and found a discrepancy involving an account that I believe is incorrect. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccuracies or incomplete information. 

The specific item in question is listed as 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 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, on my credit report, which I believe to be inaccurate. I am requesting that you investigate this issue and correct any errors immediately. 

According to 15 U.S.C. 1681s-2, as a furnisher of information to the credit reporting agencies, you are required to report accurate and complete information. If any of the information provided by you is found to be inaccurate, you are obligated to correct it or notify the credit reporting agency to delete or update the entry.

Additionally, under 15 U.S.C. 1692g, I request that you provide the necessary documentation to validate the debt in question. Specifically, I would like to see proof that this debt is mine, including a copy of the original agreement, account history, and any supporting documents that substantiate the claim made in my credit report. 

If this matter is not resolved or if you do not respond within the legally prescribed timeframe, I will take further action to protect my rights. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please be advised that I am exercising my rights under the FCRA to ensure that my credit report is accurate and fair. I expect a written response within 15 days of your receipt of this letter, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX XX/XX/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 2025-01-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to formally dispute certain information that appears on my credit report. I recently reviewed my credit report and found a discrepancy involving an account that I believe is incorrect. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccuracies or incomplete information. 

The specific item in question is listed as 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 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 on my credit report, which I believe to be inaccurate. I am requesting that you investigate this issue and correct any errors immediately. 

According to 15 U.S.C. 1681s-2, as a furnisher of information to the credit reporting agencies, you are required to report accurate and complete information. If any of the information provided by you is found to be inaccurate, you are obligated to correct it or notify the credit reporting agency to delete or update the entry.

Additionally, under 15 U.S.C. 1692g, I request that you provide the necessary documentation to validate the debt in question. Specifically, I would like to see proof that this debt is mine, including a copy of the original agreement, account history, and any supporting documents that substantiate the claim made in my credit report.

If this matter is not resolved or if you do not respond within the legally prescribed timeframe, I will take further action to protect my rights. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please be advised that I am exercising my rights under the FCRA to ensure that my credit report is accurate and fair. I expect a written response within 15 days of your receipt of this letter, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally express my concern regarding Experian 's attempt to charge my card before the due date for my membership. It is my understanding that charging for services before the agreed-upon due date constitutes an unfair billing practice and may be in violation of consumer protection laws.

Under the Fair Credit Billing Act ( FCBA ), consumers are protected from unauthorized charges and practices that do not align with the terms of a contract or agreement. Specifically, charging for membership or services before the due date without proper consent or notification may be deemed an unfair or deceptive trade practice, violating these consumer rights.

Additionally, Experian 's actions may be in violation of the Electronic Fund Transfer Act ( EFTA ), which provides protection against unauthorized early charges or debits from a consumer 's account. These laws are designed to safeguard consumers from predatory practices and ensure that all charges occur in accordance with the terms outlined in the agreement.

I request that Experian immediately halt any pre-due-date charges and provide clarification regarding this action. Failure to resolve this issue promptly may result in further action. EXPERIAN continues to violate my personal privacy, rights and well being.

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 2025-01-01 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: MI

Complaint narrative:
I am a victim of data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request that Experian block and delete : XXXX XXXXXXXX XXXX that was opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed. 

To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated to reflect the correct and

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 2025-01-01 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:
THIS CFPB COMPLAINT IS BEIND PURSUANT TO 605B OR 15 USC SUBCTION 1681 C2 THAT RAUDULENT AND INA THE ACCOUNTS ARE : CCURATE INFORMATION BE BLOCKED FROMY CREDIT FILE.THE ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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 the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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 the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$6600.00}, XXXX XXXX XXXX balance {$160.00}.

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 explanation
Consumer complaint received 2025-01-01 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: RI

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency. for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 

On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion XXXX XXXX XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Trans Union, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-01-01 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: DISCOVER BANK
State: NJ

Complaint narrative:
My data was a victim or a data breach, XXXX XXXX XXXXXXXX and my health insurance. I am writing to dispute accounts on my credit report that were fraudulently opened without my knowledge or consent. I believe I am a victim of identity theft, as these accounts do not belong to me, and I have never authorized them. I request that these fraudulent accounts be investigated, removed from my credit report, and any associated negative information be corrected immediately. Please let me know if additional documentation or information is required to resolve this matter.

Company response to consumer: Closed with non-monetary relief