vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: AZ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXInquiry XXXX XXXXInquiry XXXX XXXX  - IncorrectPersonal XXXX  XXXX  - IncorrectPersonal XXXX XXXX  XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
Subject : Complaint Regarding Overcharging and Harassment by XXXX XXXX  XXXX To Whom It May Concern, My name is XXXX, a resident of XXXX, Arizona. I am lodging a formal complaint against XXXX XXXX  XXXX, for what I believe to be overcharging and harassment related to my loan. I have cerebral palsy and am a mother of XXXX. Due to a six-month delay in receiving XXXX XXXX XXXXXXXX XXXX, I fell behind on payments, despite having made substantial payments over time. XXXX XXXX XXXX XXXXctions have added significant stress to my situation. I urge your office to review my case and hold XXXX XXXX accountable for their practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to foI am writing to formally request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified certain negative items that I believe were reported without a permissible purpose, in violation of 15 U.S. Code 1681b. 

The specific items in question are as follows : 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 2025-02-19 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: AL

Complaint narrative:
I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. Please confirm the deletion of the impacted information from my credit report within the required 7-day period, and provide me with a written confirmation that the necessary actions have been taken. Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-02-19 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/year> -- {$710.00} XXXX  # XXXX XX/XX/year> -- {$750.00} XXXX  # XXXX XX/XX/year> -- {$990.00}

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 2025-02-19 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: MS

Complaint narrative:
Experian Fraud Division Special Handling po box XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Report # : XXXX From : XXXX XXXX Dear Experian Fraud Department, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have already filed complaints with the FTC and CFPB regarding this matter, and I request the immediate removal of the fraudulent information outlined below. 


FTC Identity Theft : XXXX Address Dispute : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : XXXX. XXXX  XXXX  XXXX  : XXXX {$32000.00} XXXX XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX Balance : {$10000.00} Fraudulent Inquiries : XXXX. XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX Legal Basis for Removal : Under 15 U.S.C. 1681c-2, as a victim of identity theft, I am entitled to have inaccurate and unauthorized information removed from my credit report. 

Please address these issues promptly. 

Sincerely, 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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX I am writing to formally dispute the collection account listed under my name ( XXXX XXXX XXXX - Account # [ XXXX ] ) Date opened XXXX XX/XX/year>. I believe this debt is inaccurate or not mine, and I request verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was added to a XXXXXXXX XXXX XXXX XXXX  Store Credit Card but was then removed shortly after this happened. This was roughly one month ago and XXXX has yet to remove this from my credit report despite submitting a dispute on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

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 2025-02-19 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:
Equifax continues to report the account listed as XXXX XXXX XXXX  XXXX XXXX ( CLOSED ) Account Number XXXX XXXX is reporting incorrectly. The information is incomplete therefore it can not have been properly verified as accurate. Furthermore Equifax is required by law to send a notice 30 days prior to reporting any negative information. The account has incomplete information because it does not list the account number for me to identify if this account is mine. There is several late payments listed and it's reporting XXXX a charge off. How was Equifax able to verify this information without my account number and who exactly allegedly released my private financial information to them because that is a direct violation of my right to privacy. If you feel this information is validated then forward me with the proof that is needed to comply with FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am writing to formally dispute the debt referenced by Contact Callers Inc.. The debt in question is not mine, and I have no knowledge of the account they claim I owe. 

Details of the Situation : Date of First Notice : XX/XX/year> Upon receiving this notice, I reviewed my records and found no connection to the debt. I contacted Contact Callers Inc. on XX/XX/year>, explaining that I do not owe this debt and requested clarification or proof of the alleged account. 

Despite my request for further verification, I have not received sufficient documentation to prove that I am responsible for this debt. I am requesting once again that you provide validation of this debt, including the original creditors information and any supporting documentation. 


Action Taken by Me : Date of My Initial Contact with Contact Callers Inc. : XX/XX/year> Action Taken : I explained that the debt is not mine and requested evidence of the debt. 
Current Status : As of XXXX I have not received the requested validation or documentation to prove this debt belongs to me. 
Request : Please provide verification of the debt as required under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The property management submitted a debt to a debt collector that I don't own. I feel it was in retaliation because I had to sue them for not returning my deposit. The case was closed and my deposit + court fees was returned by the property owner via mail in check form. I have emails of all conversations between myself, the property manager and the property owner about the deposit and this random debt. I reached out to the debt collector on XX/XX/XXXX about the debt and they never responded. The debt is still being reported on all three credit bureaus. The debt is for {$3700.00} and the date it was reported was XX/XX/XXXX. My court date was in XX/XX/XXXX. The company sent me one letter and that was my response to it. I haven't heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I disputed credit account on credit report and was informed no change and that dispute was resolved which I then contacted credit account and asked for documentation of their findings and to show proof and never received it. I want this credit account removed from my report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CORELOGIC INC
State: NY

Complaint narrative:
Dear Sir/Madam, XXXXXXXX XXXX-Inquire date XXXX XX/XX/year> XXXX To my knowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report, I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 



I XXXX XXXX XXXX Gives authorization to proceed with this investigation.

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 2025-02-19 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I tried to deposit XXXX dollars that my dad gave me to put in my investment account ( all XXXX dollars bill ). I went to the local Chase bank atm to deposit it ( XXXX XXXX XXXX, XXXX, CA XXXX ). The ATM machine only takes up to XXXX bills so I split it into XXXX deposits instead. The first deposit went through for XXXX and the second deposit failed for XXXX ( the machine spit out a receipt and told me to call Chase customer service number to make sure my deposit went through, the receipt does not have any deposit amount shown beside the sequence number and the bank ID ). I went inside the bank and told them the ATM ate my money and they told me to follow the instructions on the receipt. I proceeded to call the number and was able to file a claim and received a temporary credit of XXXX. As of today, the claim is closed and they said they only found XXXX (!? ) which is not right. My dad is furious at me for this and I am frustrated myself for which I feel like I am being robbed by my own bank that I have been using for almost 10+ years. I called the Chase claim specialist again to appeal and they told me there is nothing I can do. I then mentioned that I only used XXXX dollars bill so why would there be a XXXX balance and the specialist told me they only found XXXX and the XXXX bill was extra that was found so they provided me with it. The specialist gave me the advice that I should deposit XXXX times instead of XXXX and hung up on me ( I am not depositing using the ATM ever again if anything ).. It sounds like the system is very loose and they don't have any internal theft system in check and employees can take out and put in whatever amount they want. By XX/XX/year>2025, Chase will take out the difference of XXXX and this does not sit right with me. It is my dad 's hard earned money, he is a very hard working guy and there is no way I am letting this go. 
Claim XXXX Sequence ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXXnquiriesXXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX 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 2025-02-19 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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