vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I applied for XXXX XXXXXXXX XXXX  credit card in the end of XXXX. My application was not processed. On XX/XX/XXXX which is national holiday in the US I received a call from Barclays card which started to ask me strange questions about my income and other information mentioning that this is for XXXX XXXX card. 
I was concerned that this is a fraud because if the strange date ( XX/XX/XXXX ) and the questions and asked to cancel my application. 
Later on my credit score dropped. 
I think it was highly inappropriate for Barclays to call on this day and I still not sure if this was a fraud. I would like to ask to research this complain and ask Barclays to restore my credit score.

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 2025-01-14 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: RI

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
according to 15 US U.S code 1681c-2. This is my statement that all of the listed accounts have been reported without expressed written consent, and therefore is a result of identity theft, and must be removed. These accounts are not related to any transactions made by me the consumer. fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 stating I never gave them written consent to furnish my information to obtain my information.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing the collection account with JPMCB CARD account number XXXX dated XX/XX/year>, with a balance of {$4100.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that JPMCB CARD, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
I have been disputing inaccurate information on my credit report with Equifax Information Services since last year XXXX, which includes names, old address and etc they haven't completed any of my request too have them remove or updated my credit report. After checking my most recent report Equifax hasn't updated my Consumer report since XX/XX/XXXX which is still having outdated information on my Consumer report. Which is causing a great deal of stress in my life that's stopping me too better my life for my family of one day buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
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 2025-01-14 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: FL

Complaint narrative:
After realizing I was a victim of identity theft I reported to the 3 bureaus of this matter as well as a copy of my report. They have not produced a promissory note of any information saying that this is indeed my loan. Instead they all XXXX continue to verify informations that they ca not prove is mine. Also there are things they they have agreed to remove and yet they are all still on my report theses items should have promptly been removed. I feel they are holding my credit down on purpose and at this time they are in violation of 15usc 1681 ( I ) ( e ) of the fair credit reporting act.

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 2025-01-14 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:
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 explanation
Consumer complaint received 2025-01-14 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: AZ

Complaint narrative:
What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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 a mobile phone line opened at XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with a balance of ( {$1000.00} ), a utility/internet account opened at XXXX XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with XXXX XXXX XXXX ( {$340.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 non-monetary relief
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00}

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 2025-01-14 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:
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 explanation
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
violations of federal statutes in reporting and validating credit and misinformation about negative items as well as address and erroneous information which has caused me financial harm and mental anguish To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my credit report.

I understand that mistakes happen, but your inaccurate information could hurt me in future and cost me a job, dream house, car or force me to pay higher interest rates and frankly I have enough stress as it is.

Please remove any names, addresses, and employers listed on my credit profile that are not the following : XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and demand the immediate correction of inaccurate and outdated information appearing on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 [ 15 U.S.C. 1681c ].

The following item ( s ) are reporting inaccurately or beyond the permissible reporting period : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Of EducationXXXX XXXX XXXX ] According to FCRA guidelines, negative information such as delinquent accounts, charge-offs, and collections must not remain on a credit report for longer than seven years from the date of first delinquency. The listed item exceeds this statutory limit and should have been removed.

Furthermore, reporting outdated or incorrect information undermines your obligation to maintain accurate consumer data as mandated by federal law. I demand the following actions be taken immediately : 1. Remove the inaccurate or outdated information from my credit report.

2. Notify me in writing within 30 days of your corrective actions.

3. Provide an updated copy of my credit report reflecting these changes.

Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my consumer rights.

Please consider this letter a formal record of my dispute. I expect prompt attention to this matter and resolution as required by federal law.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
violations of federal statutes in reporting and validating credit and misinformation about negative items as well as address and erroneous information which has caused me financial harm and mental anguish To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my credit report.

I understand that mistakes happen, but your inaccurate information could hurt me in future and cost me a job, dream house, car or force me to pay higher interest rates and frankly I have enough stress as it is.

Please remove any names, addresses, and employers listed on my credit profile that are not the following : XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and demand the immediate correction of inaccurate and outdated information appearing on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 [ 15 U.S.C. 1681c ].

The following item ( s ) are reporting inaccurately or beyond the permissible reporting period : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Department Of Education, XXXX XXXX ] According to FCRA guidelines, negative information such as delinquent accounts, charge-offs, and collections must not remain on a credit report for longer than seven years from the date of first delinquency. The listed item exceeds this statutory limit and should have been removed.

Furthermore, reporting outdated or incorrect information undermines your obligation to maintain accurate consumer data as mandated by federal law. I demand the following actions be taken immediately : 1. Remove the inaccurate or outdated information from my credit report.

2. Notify me in writing within 30 days of your corrective actions.

3. Provide an updated copy of my credit report reflecting these changes.

Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my consumer rights.

Please consider this letter a formal record of my dispute. I expect prompt attention to this matter and resolution as required by federal law.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
Many errors found. Name and addresses incorrect. Amounts inaccurate creditors and debts wrong and unknown

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 2025-01-14 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: MI

Complaint narrative:
Many errors found. Name and addresses incorrect. Amounts inaccurate creditors and debts wrong and unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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