vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
They have incorrect information on my credit report that needs to be taken off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 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 2025-03-05 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:
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 2025-03-05 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-03-05 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Identity Theft Statement : I am a victim of identity theft. A fraudulent bank account was opened in my name using my personal information without my knowledge or consent. I became aware of this when I received emails from Bank of America regarding an account that I did not authorize. 

I did not apply for this account, nor did I provide my personal information for this purpose. This unauthorized activity has caused significant concern, and I am taking immediate action to report and resolve the issue. I am submitting this report to the FTC to document the fraud and to seek assistance in preventing further misuse of my identity. 

I request that this matter be investigated, and I am willing to cooperate with any necessary steps to protect my personal and financial security.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
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 document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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

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 2025-03-05 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: DE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-05 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: DE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I am writing to formally dispute the accuracy of information listed on my Experian credit report. Upon reviewing my credit file, I have identified a derogatory item that I believe may be inaccurate or incomplete. Please find the details of the account in question below : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$44000.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$0.00}

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BUSEY BANK

Complaint narrative:
I received a call on XX/XX/XXXX from the bank phone number from a man claiming to be from the bank 's fraud department to verify wires. He had my full DOB and SSN. I also verified 10 recent authorized transactions. He sent a link for me to login to my account to allegedly shut down access. During the call he was able to send 82 wires out during a 3 hour span of time. The bank notified me of returned wires which was when I found out about the fraudulent activity. At that time it was 16 wires that had been put through. 2 of which were returned. The bank shut down access to our account and notified their fraud department. At that time I was told it was 16 wires for several XXXX XXXX dollars. The next morning on XX/XX/XXXX I was informed it was 52 wires and {$4.00} XXXX. On Monday morning XX/XX/XXXX I was informed it was 82 attempted wires and 5 ACH 's. We send about 1 to 2 wires per MONTH. This was for sure not typical activity or amounts occurring on our account. The bank did not have fraudulent activity alerts in place for this to have been stopped sooner nor did they shut down access to the account soon enough. Additionally, they informed me on XX/XX/XXXX that I would be receiving a call daily to authorize checks to clear and attempt to use our account. I asked if I should notify anyone their checks would not clear and was told I did not have to. I was then told that some checks were allowed to process without my authorization and only when I asked was I given the detail of the checks processed. On XX/XX/XXXX I asked for an update and was told that $ XXXX had been retrieved and they were working on sending hold harmless letters out to other financial institutions and gaining access to our account. I got back into our account but they processed more checks without my authorization. I then was told by vendors on XX/XX/XXXX that vendor checks were not clearing. After several attempts to call for an update, I was given no return calls or updates on our account. I sent several emails and text messages and called our relationship management representative and received no phone call back until XX/XX/XXXX. Their stance is that this is all my fault and no credit will be given back. They claim that we received emails and texts informing us of potential fraud yet also informed me this had just happened to them last week and happened to other people this same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/year>, I called to ask questions about the Pay overtime option given with the credit card. 
I asked if I purchased an XXXX XXXX if it would qualify for the pay overtime plan. 
I was told it would and was given directions on how to find it once the purchase posted. 
I made the {$3500.00} purchase, but it did not qualify for the pay overtime plan, therefor I will be stuck with high interest and unaffordable payments for the oxygen concentrator. 
In the phone conversations and 18 emails, I explained I would have gotten a medical credit card to pay for the concentrator, but I was told my current Chase card will do the same thing. 
I was lied too, told too bad nothing we can do more than 15 times.

A higher management person suggested I recall the payment I made, to see if the purchase moved to the pay overtime plan. 
I recalled my payment, and the concentrator still does not qualify for the plan. 
I have an email stating I could break up the payments to more affordable from chase representing the very program I was assured I qualified for.

I have been lied too on the phone, disregarded as someone unworthy in the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I submitted debt validation requests to Capital One for accounts ending in XXXX and XXXX, requesting a signed contract or original application records proving my liability. Instead of providing proper validation, Capital One responded with only account statements, which do not meet legal validation requirements under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, Capital One continued to report the accounts negatively to the credit bureaus, significantly damaging my credit. 

Additionally, after disputing these accounts, Capital One abruptly closed them and reported them as past due, citing " unusual activity. '' At the same time, Capital One also closed a third account ( ending in XXXX ), which had not yet been formally disputed, and reported it negatively. This raises concerns about whether Capital One closed and reported these accounts in retaliation for my dispute, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

On XX/XX/year>, I sent a Final Demand Letter via Certified Mail, giving Capital One 10 business days to either provide proper validation or remove the negative reporting. Their response was inadequate, consisting only of resending past statements. To date, they have failed to provide legally sufficient documentation supporting these debts. 

I request that Capital One cease negative reporting on these accounts until proper validation is provided, remove any unverifiable information from my credit reports, and provide legally sufficient documentation proving my contractual obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory item removed from my credit file. 

Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX  Balance : {$44000.00}

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: MD

Complaint narrative:
I dont know who this company is and they keep texting me. How do I know its not a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MN

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX regarding the unlawful interest rates charged on my loan, which far exceed New Jerseys legal limit. Under XXXX XXXX usury laws, the maximum allowable interest rate for personal loans is 30 % per annum. However, XXXX charged me an APR of 460 %, which is illegal and unenforceable under state law. 

Loan Details : Loan Amount : {$800.00} Remaining Balance ( Before Closure ) : {$2000.00} APR Charged : 460 % Original Loan Date : XX/XX/year> Total Paid So Far : I have already repaid more than the original principal amount. 

After raising concerns about this illegal interest rate, XXXX  closed my account and confirmed I do not owe anything further. However, based on the unlawful overcharges, I am entitled to a refund of up to XXXX XXXX XXXX  or more for the excessive interest I was forced to pay. 

Despite multiple attempts to contact XXXX regarding my refund, they have completely ignored my requests for over a month. Their refusal to respond suggests an attempt to avoid accountability. Additionally, XXXX has cited tribal law as their governing legal framework, but I believe this does not exempt them from complying with XXXX XXXX consumer protection laws. 

I am requesting the CFPB to investigate this matter and help me recover the refund I am rightfully owed due to XXXX unlawful lending practices. Thank you for your time and attentionI look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.

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