vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX, XXXX XXXX XXXX ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX. 
- XXXXXXXX XXXX ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX. 
- XXXX XXXX INT ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX To : XXXX Collections Subject : Formal Demand for Cease Reporting, Investigation, and Immediate Removal of Inaccurate Collection Account To Whom It May Concern, This letter serves as a formal complaint and legal demand regarding an account your agency is reporting to the credit bureaus under the name XXXX, which is negatively impacting my credit profile and hindering my ability to obtain credit and secure stable housing for my family. This action is causing substantial and ongoing harm. 

I am demanding that you immediately cease all reporting activity related to this account and provide full validation and documentation, as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX, you are required to notify consumers in writing within XXXX days of placing a debt for collection. I have never received any such notification from your agency. Furthermore, I never acknowledged, agreed to, or assumed liability for this debt, and your continued reporting without my knowledge or consent is a violation of both FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Your actions also violate 15 U.S. Code 1692e ( 8 ) by communicating false or misleading information to credit reporting agencies, especially without first verifying the accuracy and legitimacy of the debt. 

Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court reaffirmed that failure to provide proper notification and reporting unverifiable debt is a violation of the FDCPA. 

You are now on notice that if this negative item is not removed from all consumer reporting agencies immediately, I will file an official CEREBONAREMA complaint, report this matter to the Consumer Financial Protection Bureau ( CFPB ), and take legal action for damages under FCRA Sections 616 and 617, as well as FDCPA. 

I request the following : XXXXImmediate cessation of all reporting activity to credit bureaus. 
XXXXFormal validation of the debt, including the original contract bearing my signature and any transaction history. 
XXXXWritten confirmation of deletion from all consumer reports. 
XXXXAssurance that you will not reinsert or resell this account in any form. 

You have XXXX  days from the date of this letter to respond. Failure to comply will result in escalation through legal and regulatory channels. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Please remove these fraudulent inquiries from my credit report, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
In my original complaint, Chime reaffirmed the following : On XX/XX/year>, we concluded the investigation and, based on the information available, determined that a partial error occurred. We sent email notifications informing you of the outcomes and that merchant B XXXX Services Mb issued a full merchant credit for the disputed transaction of {$29.00} on XX/XX/year>. For the remaining transactions of the dispute claim, we determined that no error occurred. On XX/XX/year>, you requested to reopen the investigation, and a new review was opened. The review only included the remaining XXXX ( XXXX ) disputed transactions deemed as no error found from the original dispute claim, totaling {$270.00}. As of our latest decision on XX/XX/year>, we concluded the investigation and, based on a review of your transaction history, device/login activity, account takeover indicators, and other risk-based factors, re-affirmed the determination that no error had occurred. 

Despite this acknowledgment, Chime has failed to provide any supporting documentation to substantiate its determination. Furthermore, they have not addressed the inadequate customer service I experienced when speaking with a XXXX regarding this matter. 

Chime has now made representations to a regulatory body confirming that an error occurred with respect to XXXX of the disputed transactions, despite all transactions involving the same merchant, yet maintains that no error occurred for the remaining transactions. This position is inconsistent and raises concerns regarding the integrity of their investigation and decision-making process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 

I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Today is XX/XX/XXXX. 

In requested a balance transfer to be done from Capital One to my XXXX XXXX cc for {$1100.00}. That balance posted to my Capital One account on XX/XX/XXXX but my UFirst card is not paid yet. Now I am accruing interest on both accounts for the XXXX balance I called Capital One XX/XX/XXXX and kept getting told that it is the policy to give it up to 15 days to show posted at my XXXX account. This is not right and not honest. They are accruing interest on a balance that is not paid yet so balance transfer is not complete and I have to pay the interest on it at XXXX until it is paid. If they are doing this to everyone, they are collecting money that they shouldn't be entitled to yet as they have not completed the transaction. Why am I having to pay interest at XXXX different places on XXXX balance? This is a dishonest policy and I am very seriously looking into a class action lawsuit. Of course it is a small amount from each person but it adds up for them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
Subject : Request for 1099-C Issuance for Charged-Off I am writing to formally request that [ Car Rental Company Name ] issue a 1099-C form to me for the cancellation of the debt related to the vehicle [ Car Make, Model, and Year ], which was charged off on [ Date of Charge-Off ]. Despite the vehicle being declared a total loss and the account being charged off, I have continued to receive charges from the company.

As per IRS regulations, a 1099-C form must be issued to me as the debtor for the forgiven debt amount. I kindly request that this form be issued to me at the earliest possible date to comply with federal tax requirements. 

Please do not hesitate to contact me should you require any further information or documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CO

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

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 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$XXXX} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-31 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$XXXX} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
American Express sent an email on XX/XX/XXXX and gave me 3 days to make a payment of {$8200.00} or my limit would be reduced ( I had $ XXXX in available credit already ). I called in and stated that was an unacceptable ask and that there was no reason to lower my limit when i had worked so hard to get it down to where it was and i made more now then i did when i got the card. The representative agreed and I thought that was the end of it. On XX/XX/XXXX I got another email stating they lowered my limit. I was upset and lodged a complaint as it felt misleading to turn around and do it a month later when i though it had been resolved. I received a call and a text from XXXX XXXX, XXXX. I returned the call on XX/XX/XXXX, explained everything and he apologized and told me he would have it corrected and I would receive an email. On XX/XX/XXXX I texted him back and let him know nothing had been updated and no email. He called on XX/XX/XXXX and stated it would be escalated. On XX/XX/XXXX i texted again looking for an update as now it started to create issues with my credit score. No response. So i called in again and they acted like they had no idea who he was and just said they could not fix it. I do not like be lied to. On XX/XX/XXXX i texted again showing him the impact to my credit report, no response. On XX/XX/XXXX American express had the literal audacity to send me an email stating I was now over my credit limit and needed to pay or it may further impact my credit. They are the ones that lowered it causing that to happen. I had not used the card since I found out they lowered my limit. Completely abusive, unfair, and deceptive. I have the texts, call logs, and emails. I reached out to the company again and asked for an email to send it all to and was told " I am afraid we do not have an email address which we can provide to you ''. I have those chats as well. They have made it impossible to get a resolution while ruining my credit in the meantime. Its absolutely unacceptable. 

I can provide all the attachment but there are a lot as they consist of emails, screenshots of texts and chats and call logs. It would be easier if I could attach via an email given how many their are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My phone was cloned, and my identity was stolen. I do not know when my phone was cloned, however I believe it was around XX/XX/XXXX. .Someone was able to access my Experian app, make strange changes, including changes to emails and XXXX factor authentications- which should have signaled a call/alert but did not. My XXXX XXXX went from over XXXX to XXXX. And this all happened while having ACTIVE credit monitoring services that I paid for. Someone used the Experian app to steal my identity and add/create multiple identities including adding old/false addresses and phone numbers. When attempting to get a report in XX/XX/XXXX via snail mail- it never came. When I call, I am unable to speak with a live person. I have contested multiple times on the app and online but have yet to hear from anyone. This is an absolute nightmare. Please help. I need to know next steps.

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 2025-03-31 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: IN

Complaint narrative:
XXXX XXXX placed a hard inquiry on my Equifax credit report dated XX/XX/2025, but I never submitted an application for credit with them. I disputed the inquiry through Equifax, and XXXX XXXX responded by saying the information matched mine yet they refuse to provide any proof of the application. I did not authorize this inquiry. 

I followed up with XXXX XXXX and requested documentation ( application details, IP address, contact info used, etc. ). They told me to wait until I get contacted. 

This situation has impacted my credit profile, and Im now forced to freeze my credit and take further action to protect myself. I believe XXXX XXXX has either processed a fraudulent or mistaken application and is refusing to provide transparency. 

I am requesting the removal of the unauthorized inquiry and a full investigation into how it occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/year> I noticed on my credit file that my personal information is being reported inaccurately. Therefore, on XX/XX/year> I sent letters to each Credit Bureau requesting my personal information be updated and reported accurately. And I have yet, received a response!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 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: NC

Complaint narrative:
Equifax, Experian and Transunion are violating my consumer rights by still reporting a charge off account that has been cancelled to my credit profile. Equifax is in violation of the FCRA laws 15 USC 1681 S-2 and 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against Equifax, Experian and Transunion for violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 explanation
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-31 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief