vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB Team, I am writing to bring to your attention serious concerns regarding Experian 's handling of my privacy, my social security number being exposed during a breach, listing of multiple versions of names that arent mine, negative charged off/ written off accounts from 3rd party creditors violating my privacy listing on my credit report without my written consent, inaccuracies such as hard credt and soft credit pulls on my credit report, particularly those related to identity theft. Despite my efforts to dispute this erroneous, and privacy violations information, it appears that Experian has failed to conduct a thorough and proper investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple disputes regarding my right to privacy negative charged off/written off accounts from 3rd parties without my written consent, fraudulent entries stemming from identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet the information remains unresolved on my credit report. Experian 's response to my disputes has been inadequate, with little to no communication about the investigation process or results. This lack of transparency and diligence raises significant concerns about their compliance with federal law and their commitment to ensuring the accuracy of consumer credit reports. 

The presence of incorrect information on my credit report not only affects my creditworthiness but also threatens my access to essential services such as credit, employment, and housing. It is disheartening to see that a major credit reporting agency may not be adhering to its obligations to protect consumers against inaccuracies and fraud. 

I commend the CFPB for taking action against Experian for similar practices and urge you to continue to investigate these issues. It is crucial that consumers like myself can trust that our disputes will be taken seriously and handled with the integrity and care that federal law requires. 

Thank you for your attention to this matter and for your ongoing efforts to protect consumers rights.

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 2025-01-11 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: FL

Complaint narrative:
According to laws 15 U.S. Code 1681 ( 2xi ), 15 U.S Code 1666 ( b ) and 12 CFR 1026.13, My credit report is improperly being reported with inaccuracies, billing errors and late payments that go against my rights as a consumer. The accounts that reflect these errors are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies to validate the accuracy of this late payments and improper reporting of information. If unable to furnish proof, I demand these payments to be updated and/or removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Comenity Capital Bank regarding their handling of my cash back rewards on my Bread Cashback credit card. 

I have accumulated {$8.00} in cash back rewards. The banks website states : " To request a direct deposit, please call Customer Care using the number on the back of your card. You can still request a statement credit here. '' On XX/XX/year>, I called Customer Care to request a direct deposit of my rewards as instructed. However, instead of processing my request for a direct deposit, the representative issued a statement credit for {$0.00}. This action was not authorized and does not align with the instructions provided on their website. 

I am seeking CFPB 's assistance to have Comenity Capital Bank fulfill my original request and issue the {$8.00} cash back rewards via direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
As of today, XXXX, XXXX XXXX, Jefferson Capital Systems llc is reporting to XXXX that I have an open balance owed worth {$10000.00}. This is not true because theyve sold the vehicle for that amount already. I do not owe them. Theyre also reporting that the account was opened XX/XX/XXXX. That is also false. Theyre reporting false information on this account. I would like for Jefferson Capital Systems llc to remove and delete this account from my XXXX credit report as it goes against Fcra law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Security Credit Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX agency name : SECURITY CREDIT SERVIC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Collection Activities Account Number : XXXX To Whom It May Concern : I am writing to formally request that you cease all collection activities regarding the above-referenced account, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 



This letter serves as notice that I do not wish to be contacted further regarding this matter, except for written communication confirming the cessation of collection activities or advising me of any specific legal actions you may pursue.

Please be aware that failure to comply with this request may constitute a violation of the FDCPA. 



Additionally, I dispute the validity of this debt as listed on my credit report, as the information appears inaccurate. Please remove any incorrect or unverifiable information related to this account. If you believe the debt is valid, please provide written validation of the debt as required under the FDCPA. 



Any further attempts to contact me, including phone calls, emails, or other forms of communication, will be considered harassment and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state attorney generals office. 



Thank you for your prompt attention to this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint regarding TransUnions failure to properly investigate fraudulent items on my credit report. Despite multiple attempts to resolve this matter, the fraudulent items remain on my report, causing significant financial and personal hardship. 

On XX/XX/XXXX, I received an email from TransUnion acknowledging receipt of my dispute and stating that it had been seven days since they received it. The email further indicated that the investigation could take up to 30 days. However, as of today, XX/XX/XXXX, I have not received any resolution, and the disputed items are still present on my credit report. TransUnion continues to email me stating they are waiting for a response from the creditor ( s ), yet no substantive action has been taken to address my concerns.

The fraudulent items on my credit report are severely impacting my ability to secure housing. I am in the process of moving to accommodate my growing family as I am expecting a baby girl. However, my applications for housing have been denied due to the negative impact of these erroneous entries on my credit report. This situation has caused me significant emotional distress and financial hardship during what should be a joyful time for my family. 

I have provided all necessary information and documentation to TransUnion to demonstrate that the disputed items are fraudulent. Despite this, their failure to complete the investigation in a timely and thorough manner violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

I am requesting immediate intervention by the CFPB to ensure that TransUnion fulfills its obligations under the FCRA to properly investigate and remove the fraudulent items from my credit report. If this matter is not resolved promptly, I will have no choice but to pursue legal action to seek damages for the financial and emotional hardships caused to me and my family. 

Thank you for your attention to 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
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have repeatedly disputed inaccurate information on my Experian credit report, yet Experian continues to reinstate the disputed account without proper verification. Despite countless disputes, Experian has conducted what appears to be sham investigations using faulty proceduresfailing to relay key dispute information to the original data furnisher and uncritically accepting their unlikely responses. As a result, Experian provides confusing and incorrect updates, reinserts previously deleted inaccurate information under a new furnisher, and does not delete the erroneous account as it should. This ongoing mishandling has not only kept false data on my credit report but has also left missing and incomplete information, severely impacting my credit accuracy and rights as a 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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called to change my flight on XX/XX/XXXX due to a last minute schedule change. I was advised that the change fee was HKDXXXX if I were to rebook, or I can cancel and get refund after paying {$1800.00} HKD  per passenger. Due to the lower change fee than the cancel charges, I chose to opt for the rebooking option. 

When I tried to rebook the ticket today ( XX/XX/XXXX ), I am now told it's in XXXX. They told me the wrong currency. 

If I had known that it's in USD, I would have just canceled and get a refund and book a lower priced ticket via another airline such as XXXX ( see attachment for the lower price ). 

Not only do they refuse to address the issue right away, they asked me to still pay for the {$500.00} USD while they investigate this issue in _6-8 weeks_. In addition to being on the customer service line for 50 minutes, they are not able to provide any written confirmation of this communication. I requested a refund of the fare difference between economy and my credit ( the savings I would have had if I just opt for the cancellation rather than rebooking ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
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 2025-01-11 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: NJ

Complaint narrative:
They have the wrong Ssi number addresses wrong account balances wrong repeated inquiries for the same places like 6-7 times

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 2025-01-11 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: NJ

Complaint narrative:
They have the wrong Ssi number addresses wrong account balances wrong repeated inquiries for the same places like 6-7 times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Hello inside you will find my dispute detailing my concerns regarding the company and violations of both FCRA, FDCP, CFPA, and METRO 2. I recently disputed this account requesting a thorough investigation and to be supplied with ACCOUNT LEVEL DOCUMENTATION and EXPERIAN advised me the information was VERIFIED AS ACCURATE but provided no proof to back their claim. This account was also reporting to XXXX AND XXXX they have removed the account due to lack of DOCUMENTATION. EXPERIAN 'S REFUSAL to delete this inaccurate account shows WILLFULL NONCOMPLIANCE AND NEGLIGENCE UNDER FEDERAL LAW, resulting in harm to my financial standing. I've also attached a statement from XXXX proving the removal of the account.

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 2025-01-11 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: AR

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

On XX/XX/2025 I looked at my Experian credit report and noticed some things incomplete or inaccurate, 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency 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 ( ii ) 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. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 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 2025-01-11 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 2025-01-11 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I signed up in Lexington Law for them to fix my credit report and nothing change I paid them $ XXXX  monthly for 9 months and it was to good to be true.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C XXXX681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation