vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate and unverifiable account on my credit report. The following account is being reported incorrectly and must be removed under the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXX XXXX XXXX, Original Creditor : XXXX XXXX. XXXX, Account XXXX, XXXX : {$1300.00} I dispute the validity and accuracy of this debt and request an immediate investigation. Under 15 U.S. Code 1681i, the Fair Credit Reporting Act requires credit reporting agencies to conduct a reasonable investigation and delete any information that can not be verified.

Additionally, under 15 U.S. Code 1692g, the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide proper validation of the debt upon request. IfXX/XX/XXXX can not provide original signed agreements or validation from the original creditor, this account must be removed from my credit report immediately. 

I request that you : 1. Provide verification of this debt, including the original signed contract and itemized account statements.

2. Remove this account from my credit report if verification can not be provided.

Please respond within 30 days as required by law. If this item is not verified or removed, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and state Attorney Generals office for non-compliance with federal laws. 

I have attached a copy of my identification and proof of address for verification purposes. Please investigate and provide written confirmation of your findings. 

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/1976 To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-03-18 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: NJ

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

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>

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 2025-03-18 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: Experian Information Solutions Inc.
State: VA

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 2025-03-18 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-03-18 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-18 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: NC

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc

Complaint narrative:
My luggage was lost at XXXX XXXX XXXX  XXXX baggage. 
My flight was on XXXX, XXXX XXXX from XXXX to XXXX. 
I received message from XXXX XXXX stating they had my suitcase. 
In a long attempt to contact XXXX XXXX, and then XXXX, I called a number for XXXX XXXX claims, was transferred to someone who said he was XXXX. He said XXXX would give me a voucher for XXXX but first I had to establish an account ( which turned out to be with " affirm ''. He then proceeded to guide me thru step by step process on my cell phone, insisting it was necessary in order to get my luggage returned. This process included him sending me several links which included downloading my passport. When that was not possible to do on my phone, he called my husband and tried to do the same with him, We are in XXXX. He finally said the process can not happen from XXXX, because we have a XXXX address. He then asked us to invite a relative, my brother in law, to include in a group call, to help establish this account. We agreed. My brother in law tried to help by answering questions and downloading a photo of my husband 's passport. XXXX XXXX is my husband. After this nightmare, I searched on-line and discovered there have been many instances of the same thing. A response to lost luggage, scam regarding XXXX and Affirm. 

I deleted the texts he sent during the calls, but I do have the numbers and time of calls on my cell phone. 

This incident occurred on XX/XX/XXXX, from approximately XXXX pm to XXXX pm, XXXX time. 

I have a case number from Affirm sent to me after I made my report to them this morning XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that I believe resulted from the data breaches involving XXXX and XXXX. 

XXXX. XXXX XXXX XXXX In XX/XX/XXXX, XXXX XXXX a significant data breach that exposed sensitive information for approximately XXXX XXXX consumers, including my personal data. As a result of this breach, I have noticed inaccuracies on my credit report that I believe may stem from unauthorized access to my information. 

XXXXXXXX XXXX XXXX XXXX** Additionally, in XX/XX/XXXX, XXXX reported a data breach that may have impacted my personal and financial information. The consequences of this breach may also contribute to the errors reflected in my credit report.

I have disputed the in accuracies to the credit reporting bureaus and se
nt letters to Vendors and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that I believe resulted from the data breaches involving XXXX and XXXX. 

**1. XXXX Data Breach** In XX/XX/XXXX, XXXX experienced a significant data breach that exposed sensitive information for approximately XXXX XXXX consumers, including my personal data. As a result of this breach, I have noticed inaccuracies on my credit report that I believe may stem from unauthorized access to my information. 

**2. XXXX  Data Breach** Additionally, in XX/XX/XXXX, XXXX reported a data breach that may have impacted my personal and financial information. The consequences of this breach may also contribute to the errors reflected in my credit report. 
I have disputed the in accuracies to the credit reporting bureaus and sent letters to Vendors and no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a new checking account with chase and was approved for the chase total checking account and a week later I received the debit card for that account. A few days after I decided to open a chase safe banking account for the 2 day early direct deposit benefit and was approved the next day a few days later I received the debit card for that new account. Later than same day after I activated the debit card for the chase safe banking account my Chase app wasnt working and was logged out for suspicious activity and called to see what had happened for my accounts to be closed all I got was that they were closed and that chase will no longer do business with me and that they were going to mail me a check of the funds I had on one of the accounts and still no good reason as to why they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting Dear CFPB Representative, I am filing a complaint regarding inaccurate information on my credit report by XXXX XXXX XXXX credit card. 

1. Issue : The credit report shows a delinquent payment for in XXXX, XX/XX/year>. 
Payment due was {$64.00}, with late fees levied as {$40.00} for each month. 

2. Action Taken : I contacted XXXX  XXXX and they refunded the late fees for XXXX months which is {$80.00} along with interest fees, acknowledging their mistake. 
Despite this, the delinquent entry remains on my credit report. 

3. Dispute : I have disputed the information with the credit bureaus, but the error persists.

4. Request : Please assist in correcting this inaccurate entry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TN

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 non-monetary relief
Consumer complaint received 2025-03-18 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: TN

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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that I believe resulted from the data breaches involving XXXX and XXXX. 

XXXX. XXXX XXXX XXXX In XX/XX/XXXX, XXXX XXXX a significant data breach that exposed sensitive information for approximately XXXX XXXX consumers, including my personal data. As a result of this breach, I have noticed inaccuracies on my credit report that I believe may stem from unauthorized access to my information. 

XXXXXXXX XXXX XXXX XXXX  Additionally, in XX/XX/XXXX, XXXX reported a data breach that may have impacted my personal and financial information. The consequences of this breach may also contribute to the errors reflected in my credit report. 
I have disputed the in accuracies to the credit reporting bureaus and sent letters to Vendors and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I recently attempted to purchase a vehicle, and during the financing process, multiple hard inquiries were made on my XXXX credit file without my authorization. I did not approve these multiple inquiries, and I believe they were conducted improperly. 

The following companies performed hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting a review of these inquiries and their removal from my credit report if they were made without proper authorization. Please advise on the next steps I need to take to resolve this issue. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

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 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
Complaint, QWR, DVR and demand under TILA to produce an authorized individual employee of XXXX XXXX XXXX, XXXX who has personal knowledge about my transaction and who can verify it for The Department of Veterans Affairs and myself via conference call as requested by the Department of VA. On XX/XX/XXXX XXXX XXXX Fidelity National Financial , Inc via its XXXX XXXX filed false Claim in my Bankruptcy case where Fidelity named XXXX as my only Creditor who did not accrued this Claim from anyone else On XX/XX/XXXX I spoke with XXXX 's representative XXXX XXXX who firmly insisted that my Creditor is the Department of VA whom XXXX is servicing. I recorded this conversation for quality and training purposes and send this audio to the Department of VA. On XX/XX/XXXX I spoke with VA representative XXXX XXXX who firmly insisted that VA is not my creditor and XXXX does not know whom XXXX is servicing. According to another VA representative, The Department of VA does not have any contacts with XXXX and requested me to set up a conference call with XXXX. I demand immediately produce the individual employee of XXXX who has personal knowledge about my transaction, who is the actual Creditor and who can personally verify it during our conference call with the Department of Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I have had credit cards opened in my name without my knowledge. And my social is being used against my knowledge. And my credit score has been hit tremendously. And I don't know who is doing. I have not applied for any credit cards in my life except for 2. All the alerts.

On my phone are I'm from someone trying to pretend to be me.

Company response to consumer: Untimely response