vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID # XXXX Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX To whom it XXXX concern, I would like all documents, methods, and sources used during the investigation to " verify '' the following accounts : XXXX XXXX XXXX account number : XXXX XXXX  XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX Once again, these accounts where opened fraudulently and without my authorization, while I was serving a 15 year prison sentence. XXXX requsting all accounts and their subsequent transactions removed and or blocked from my earlywarnings consumer report. Attached are my FTC affidavit, my sentencing papers, picture of my ID and, a picture of my social security card Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-21 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH NPA AND EQUIFAX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
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 non-monetary relief
Consumer complaint received 2025-04-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Account # XXXX ( American Express ) Dear XXXX, I am writing to formally dispute inaccurate information listed on my credit report, issued on XX/XX/XXXX, regarding an American Express account ( Account # XXXX ). Upon review, I identified a factual inaccuracy that requires immediate correction under the Fair Credit Reporting Act ( FCRA ). 

The Inaccuracy : According to the report, the account is listed as charged off with a charge-off date of XX/XX/XXXX, and monthly balance of {$3600.00} reported from XX/XX/XXXX through XX/XX/XXXX. However, the payment history section reflects " XXXX  '' ( XXXX XXXX ) status every month beginning XX/XX/XXXX through XX/XX/XXXX. 

This is a factual inconsistency : An account can not be newly charged off every month for over a year. 
Charge-offs are a one-time accounting action, not an ongoing monthly status.

Reporting repeated charge-offs each month is inaccurate and misleading. 
Additionally, there is an inconsistency between the charge-off date ( XX/XX/XXXX ) and the continued monthly XXXX  status into XXXX and XXXX, which is not standard practice or compliant with accurate reporting standards under the FCRA.

Action Requested : Please conduct an investigation into this reporting discrepancy and either : Remove the inaccurate XXXX  notations for every month after the actual charge-off date, or Correct the charge-off date and align all associated status codes accordingly. 
I have enclosed a copy of the relevant credit report pages highlighting the inconsistencies for your reference. 

In accordance with the FCRA, please complete your investigation within 30 days and send me a written update of the outcome. If the data furnisher can not verify the accuracy of the information, it must be deleted from my credit file. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Tried to get my report due to identity theft since XX/XX/year> and can't because I'm unable to verify my identity on phone I have to write send my id in it should never come to that when someone obviously gets away for two years with stealing my id and social and gets auto loans and hacks into my social security And XXXX discrimination federal paper work it's fraud and keep getting away with it. I'm trying to get my credit report to send to consumer attorney bc I was discriminated against by you all when I wrote in XX/XX/year> and you all denifhed my dispute bc i owed past funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XXXX XXXX I XXXX XXXX XXXX started to receive Unemployment benefits in the state of California. During that time co- vid hit the XXXX XXXX and I was asked from XXXX XXXX XXXX XXXX watch over her grandmother XXXX XXXX XXXX XXXX During that time after in XXXX I mention the XXXX XXXX. So my grandma and I did the papers together and she signed for me to take care of her. The address that it was suppose to be sent to was XXXX XXXX XXXX XXXX XXXX CA XXXX. That were the pool man XXXX XXXX and XXXX XXXX said that they lived there. Wrong. XXXX XXXX is in debt with my grandma because he took loan after loan after loan on her paid off home. These so-called son of hers are under investigation of murdering there mom. XXXX than went in our mailbox open up my mail and took my XXXX XXXX XXXX and spent over XXXX in charges on a XXXX XXXX issued by Bank of America. I called Bank of America and they said there was no such account, than the said there was no money in there. They refuse service for 5 years. This man took advantage over the elderly and I am XXXX XXXX XXXX XXXX  The bank representative were really rude and I was embarrass by the treatment that they were giving me. They were very bias and I believe they discriminated against me because my gender and the way I looked. I knew there was money in there because I kept on getting statements. I had to get an legal team and still nothing. After 5 years of doing 4 bank ownerships they finally wrote a letter of apology and said sorry for the inconvenience and it was the banks mistake and they only paid XXXX dollars oout of XXXX they gave me an irp number and stated in damages that were done they would reimburse. Still after 5 years the bank has not done a damn thang after the payment of XXXX payments. I am a very disatisfied customer and I want this bank closed for the mistreatment of a value customer and the embarrassment I had to experience with the hangups on the phone, with the refusal of service for 5 years.and for not replacing account card and for doing illegal ACH transfers to the bank of the West. Now on my account I have proof that someone bank account from bank of America is tied up to my account. I have hard evidence.that XXXX is responsible for my account being closed on XX/XX/XXXX. And for the death of my grandmother.

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 2025-04-21 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: FL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$480.00} XXXX  XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX * XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX - XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXX - XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX - XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$2800.00} INQUIRIES : XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing this review to express my extreme frustration and anger with Chase Bank. It has been nearly a month, and I still have not received two paychecks that were supposed to be deposited into my account. I have been promised multiple times that the issue would be resolved, but I continue to be given contradictory information, and it is completely unacceptable.

When I first called Chase, a representativeon a recorded linetold me that he could see the deposit and that it would be credited to my account soon. Well, " soon '' came and went, and there was still no deposit in my account. When I called back, another representative told me that they didnt see any deposit being processed or deposited at all, even though the first representative confirmed it. To make matters worse, a third representative confirmed that they did see a deposit. This back-and-forth is maddening and shows a complete lack of professionalism.

As if that wasnt frustrating enough, Chase opened a case to investigate this issue and promised it would be resolved within 5 to 7 business days. Here I am, over three weeks later, with no resolution, no funds in my account, and no real answers. I have attempted to contact my case manager, who was initially a man, but when I called again, I was directed to a woman 's voicemail. This lack of communication is just adding to my distress. 
The lack of due diligence and the endless round of speaking to different representatives has severely impacted my life. I am behind on bills, struggling to get by, and unable to even eat properly because I have no access to the money I earned. The stress and confusion this has caused me are unbearable, and I am tired of being given the runaround. 
I demand immediate action. I should not have to wait any longer for the money that is rightfully mine. This entire situation has been mishandled at every step, and its clear that Chase has no regard for its customers time or financial well-being. 
I expect this to be resolved without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} SXXXX Inquired on XX/XX/year> XXXX XXXX XXXX Balance {$7800.00}

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 2025-04-21 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:
Good day! I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the tremendous XXXX  and stress it's causing me. Thank you.

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 2025-04-21 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: CA

Complaint narrative:
I am formally requesting that you dispute the inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that any information found to be inaccurate or incomplete must be corrected or deleted within 30 days. These errors are not only damaging my creditworthiness but also hindering my ability to secure financial opportunities. As per 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy of the information on my credit report. 

It is imperative that these inaccuracies be thoroughly investigated and corrected as soon as possible. I am requesting that you conduct a proper investigation into these matters, as outlined in the FCRA, and provide written confirmation of the resolution of this dispute.

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 2025-04-21 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-21 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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