vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigati be verified or re removal or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on 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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Company is refusing my request to downgrade to a credit card product with a lower annual fee. When I call, they are refusing to connect me with their customer service team in order to service my account. Instead, I am connected directly to a 'credit specialist ' who then makes repeated requests to make a payment over the phone.

The payment they are requesting pertains to an annual fee of XXXX XXXX XXXX, which is billed in advance, not in arrears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
- On XX/XX/year>, XXXX XXXX XXXX XXXX report posted a credit collection on my credit report that is harming my credit score. I paid my last premium to this company on the due date before I changed my car insurance provider. I do not owe this company anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
When I had my Wells fargo account their were multiple times the account was charged and late fees added and return fees when I supposedly had protection, the charges were crazy. Also I deposited a check by a company I was told was my new " employer '' and it was for car wraps. You drive around the logo for so long you get paid weekly. We'll I was scammed. The thing is Wells fargo approved the check for one, the money was available the next day and my account was in the negative so it cleared that up and in my instructions I was told to XXXX XXXX to an email so I did and when the check was canceled they refunded the XXXX money but i was still left owing the remainder which the check was XXXX so XXXX I owe then they gave me quite a few fees. I took in the necessary paperwork spoke to manager I called and reported them I gave all the information and items sent to me I took all the right steps for the. To tell me I owed this money. I was supposed to be protected from this. I am in debt with them still because when I offered to make payments of XXXX dollars a month I was told that it's not enough.

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 2025-03-23 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: AL

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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NJ

Complaint narrative:
I am writing to formally file a complaint against I.Q. Data International regarding their failure to remove a collection account from my credit report despite fulfilling the terms of a settlement agreement.

I originally owed a balance of {$3200.00}, which was settled for {$2000.00} as per an agreement with the company. I made the full payment as agreed, and the account has been satisfied. However, despite my efforts to have the collection removed from my credit report, I.Q. Data International refuses to do so.

This refusal is not only unfair but also damaging to my financial standing. I upheld my end of the agreement by paying the settled amount in full, and I believe it is only right for the company to honor the request to remove the collection as an act of goodwill and fair reporting.

I kindly request Consumer Affairs to investigate this matter and assist in ensuring that I.Q. Data International follows ethical business practices by removing the collection from my credit report. Please let me know if any further documentation is required to support my claim. 

I appreciate your time and assistance in resolving this issue. I look forward to your response. 


Ps. the balance of XXXX was paid with XXXX different credit cards. I was able to upload the proof from XXXX credit card. My unemployment benefits account was closed by the issuer due to inactivity therefore I am not able to upload a screenshot of the other XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up.

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly.

Here are the accounts Im disputing : Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX XXXX XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX XXXXXXXX XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX XXXX XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account I also know about the recent lawsuit between the CFPB and XXXX, where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ).

Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities.

I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
I am writing to formally dispute a fraudulent collection account being reported on my Equifax credit report. I am the victim of identity theft, and the account listed below was opened without my knowledge or authorization. I request its immediate deletion from my credit file. 
Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Prime Account Number : XXXX Balance Reported : {$740.00} Date Opened : XX/XX/year> I have no affiliation or knowledge of this alleged debt and have never initiated any business with XXXX XXXX XXXX XXXX XXXX Prime or XXXX XXXX XXXX XXXX. Upon discovering this fraudulent activity, I took swift action by submitting a signed Identity Theft Affidavit and an FTC Identity Theft Report directly to the collection agency. Despite being provided with this information, they have failed to properly investigate my claim and continue to report this inaccurate and damaging information. 

Their refusal to act is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, I have confirmed with the Illinois Department of Financial and Professional Regulation ( IDFPR ) that XXXX XXXX XXXX XXXX is not licensed to collect debts in the State of Illinois. Their actions are therefore not only fraudulent but also unlawful within my state of residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NV

Complaint narrative:
Ive just received a copy of my credit report and was made aware of several inaccuracies and unauthorized accounts/information reporting to my credit report. This has been detrimental to my life and credit health

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 2025-03-23 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: NV

Complaint narrative:
Ive just received a copy of my credit report and was made aware of several inaccuracies and unauthorized accounts/information reporting to my credit report. This has been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
They assigned debt to a third party XXXX XXXX XXXX who they say is their attorney,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase bank mobile app sent me an alert message on XX/XX/XXXX, and XX/XX/year>. That there was a data breach, and that my social security number had been exposed. Nobody from Chase Bank called me about this. Every time I would call Chase, I got the run around, then transferred to the claims dept. They would tell me that they would have to cancel my debt card, and wait 7-10 days for a new one. Which intern would leave me with no access to my account in order to pay bills or make purchases other than going to the bank in-person to withdraw cash. Also, there has been unknown fees, reoccurring in-app charges from XXXX that I have not subscribed for. Such as XXXX XXXX that I have filed two claims about with Chase. The money was returned, but they still allow continued charges to apply from this same unauthorized service that I don't know anything about. XXXX XXXX XXXX is one of the main unauthorized charges to my account that is reoccurring as well. A {$50.00} XXXX XXXX  was charged to my account on XX/XX/year>. I have called them on numerous occasions about unauthorized charges to my account. They refund, but then new different type of charges continues to show up on my bank statement. I have been in contact with Chase and XXXX Customer Service Depts. numerous times throughout 2024. However, different unknown charges has continued to show up. I do have many screenshots of evidence, if there is a way to upload or email as proof to what my complaint is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
I dont recognize the address and I want it to be removed from my report XXXX XXXX XXXX XXXX , MI XXXX XXXX XXXX XXXX XXXX, MI 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 2025-03-23 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: TX

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this, there are a multitude of accounts on my consumer file as a result of this. Including addresses, accounts, & inquiries etc. As per the law, they should be removed after I provide proof of who I am, as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
- Received letter with an offer for Chase Sapphire preferred card on my mail. 
XXXX XXXX : Accepted offer and I wanted to start spending to get the points ( had to spend XXXX dlls in 3 months for XXXX points ) XXXX XXXX - XX/XX/XXXX : I bought things with XXXX  XXXX  ( one way flight, groceries, chocolates.. it was about XXXX the last time I saw ) XXXX XXXX : I tried to pay something in XXXX and XXXX XXXX and my card got declined. 
XXXX XXXX XX/XX/XXXX : wait for my credit card, called to ask about it on the weekend and they told me they didn't knew anything to call in business hours- XX/XX/XXXX : went to branch of Chase at XXXX XXXX ( XXXX ) and they told me they could not help me that the best way to go was to call, I called and they told me to send my documents ID, electric bill and my SSN, I sent them and told me to wait 7-10 business days with any explanation of what happened to my account. 
XXXX XXXX : I called they told me my card was canceled and they did not knew why that I'll get a letter in 7 days telling me why and what to do ) -XXXX  XXXX : called they told me they were sending another card and that my account was good -Last week : I called they told me my account was in fact closed and that it was never linked to me " to protect my identity '' I asked about the things I bought he said it didn't needed to be paid, mentioned I had a flight, I was told to talk to the airline I just want to know why they offered me a card and then canceled. Also, that no one is going to go after me for the statement on that card, because I offered to pay and they said no. Not sure how to proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
XXXX inquiry was reported on trans Union and XXXX  from XXXX . 
XXXX XXXX was inquiry trans union also with out my knowledge

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 2025-03-23 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: TN

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. In accordance with the Fair Credit Reporting act. The List of accounts include the following XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts listed in images has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. HIPPA has a private rule that mandates that your personal medical information may not be shared unless there is permissible reason for doing so. In order for a collection agency to verify your debt they will need to access your medical information. If they have access to this information, your rights under the HIPPA law have been violated. XXXX XXXX  with the amount of XXXX has violated my HIPPA RIGHTS I would like to remind any credit bureau and collection agency that if they fully validate the validation letter on medical bills that they are violating HIPPA regulations and are doing CRIMINAL ACTIVITY. HIPPA doesn't allow the release of medical information to any third party. PLEASE BLOCK AND REMOVE THIS 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 non-monetary relief