vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
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 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: IL

Complaint narrative:
I had an outstanding debt with XXXX XXXX XXXX. This was previously a debt from XXXX XXXX that they bought. Ive started to gear up to pay it off finally when I started getting text messages about XXXX XXXX off deal if I pay it in full. I called the number, noticed it was an XXXX area code ( full # XXXX ). I XXXX  the phone number & it came up as a scam number. They have the last XXXX of my social & somehow know the debt in question. I called XXXX XXXX & they confirmed its not a number they use. Im very ignorant to debt repayments & I cant lose any money off a scam. Any assistance you can offer would be great. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MN

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 - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In the year of 2023 I did two different disputes with macys of purchases, in both times I received letters confirming that this purchases were disputed and I didnt have to worry for them. Now my account is in charge off with a balance that I do not recognize and will not pay because those purchases were not mine. The letters attached are in XXXX, this is my preferred language.

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Transunion, I recently disputed certain items on my credit report, and I have since received a response stating that the accounts in question were " verified. '' Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am formally requesting that you provide the method of verification used to confirm the accuracy of these accounts.

Please provide the following information within the legally required timeframe : 1. The name, address, and contact information of the entity that verified the disputed accounts.

2. A detailed explanation of how the verification process was conducted.

3. A copy of any documentation used in the verification process.

If you are unable to provide this information, you are required to delete the contested accounts from my credit file as per FCRA compliance. Failure to do so may constitute willful noncompliance and could result in legal action. 
Please respond within the timeframe mandated by the FCRA. I expect a reply no later than 30 days.

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 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion continues to add personal addresses that are not mine on my credit report. Recently, there is an addition of an address in XXXX XXXX XXXX XXXX, TX and XXXX XXXX XXXX XXXX, CA ( which is a business ). They only allow one dispute at a time and refuse to remove this incorrect this information. I was born and raised in California and have lived here all my life. I purchased my home in California in XX/XX/year> and have lived here since. They refuse to correct this information.

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 2025-03-17 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: IL

Complaint narrative:
Creditor Name : XXXX XXXX XXXXo Account Number : XXXX Balance Reported : {$140.00} Date of Charge-Off : XX/XX/XXXX Creditor Name : XXXX. XXXX XXXX Account Number : XXXX Balance Reported : {$1700.00} Date : XX/XX/XXXX Reason for Dispute : No contractual agreement THESE ACCOUNTS DO NOT BELONG TO ME

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 2025-03-17 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: WI

Complaint narrative:
I need the following HARDINQUIERE that do not belong to me, nor do I request them and are affecting my CREDIT to be removed from my Credit Report. 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Against XXXX for Failure to Properly Investigate Bankruptcy To Whom It May Concern, I am filing a formal complaint against XXXX for failing to properly investigate and update my credit report concerning my bankruptcy. Despite my repeated attempts to dispute inaccurate information, XXXX has neglected to conduct a thorough investigation or correct the errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have provided XXXX with all necessary documentation to support my dispute, yet they have failed to take appropriate action. Their lack of response and failure to properly investigate is negatively impacting my credit standing and financial stability. 

I request that the CFPB take action to ensure that XXXX complies with its legal obligations under the FCRA. Additionally, I ask that XXXX be directed to conduct a proper investigation and update my credit report accurately and in a timely manner. 

Enclosed are copies of my dispute correspondence with XXXX and any relevant supporting documents. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
Navy Federal Credit union froze my checking account with {$5500.00} in it and didnt give me a reason on XX/XX/year>. They have requested I hand write on a piece of paper my name, email, reason for request, what time I can be reached, my signature 3 times, access code, and an access word. This has been a nightmare. Ive sent this information no less than 6 times but they continue to find something wrong and are keeping me from my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of late payments and the status of my XXXX XXXX credit account as presented in my credit report. The reporting of late payments and account status is inaccurate and inconsistent with federal regulations under the Fair Credit Reporting Act ( FCRA ).

According to 15 USC 1681 Section 602 ( a ), consumers have a right to accurate and fair credit reporting. This principle is violated when transactions not legally permitted to be included in a credit report are reported. 

XXXX  XXXX account number XXXX and XXXX XXXX account number XXXX has violated my rights. 

Furthermore, under 15 USC 1681c ( a ) ( 5 ), any information about accounts placed for collection or charged-off should only be reported for a limited period of up to seven years. The disputed account, closed on XX/XX/2023, should not reflect inaccurate late payment data or any unverified charge-offs. 

Additionally, as stipulated in 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information to consumer reporting agencies are obligated to ensure the accuracy and integrity of the data reported. This responsibility includes not reporting transactions or information that can not be legallly verified or substantiated.

Moreover, under 15 USC 1681 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only for permissible purposes, such as employment, credit, or insurance. Reporting transactional information unrelated to creditworthiness or lacking proper validation is inconsistent with this permissible purpose clause.

Given these statutory protections, I respectfully request the immediate investigation and removal of the inaccurately reported late payments and status associated with the above-mentioned account. Failure to adhere to these requirements constitutes a direct violation of my rights under the FCRA. 

Please provide me with written confirmation of the investigation results and the corrective actions taken to rectify my credit report.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was closed my tribe of XXXX XXXX XXXX XXXX sent me a direct deposit of {$3000.00} on XX/XX/XXXX I was unaware my account was closed i called between the XXXX and XXXX of XXXX they said my funds was sent back to the bank of the sender my tribes bank did not receive nothing as I kept calling the financial department of My tribe so I call again today on XX/XX/XXXX I spoke to XXXX ID number XXXX he said they sent a cashier check to my old address in Colorado XXXX I have not had that address on file with them in years I've received Mail from them to this address Texas XXXX multiple times I even received XXXX bank cards here from them they gave me XXXX different stories the 2 times I called

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NV

Complaint narrative:
I've submitted all documents requested many different times from the credit reporting agencies and when I request proof or balance ledgers from creditors to prove that they're reporting wrong information, they don't send it or label it me as a credit repair company and which undermines and disregards the facts that I have provided. 

Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) that Experian, XXXX, and XXXX credit reporting agency , block information appearing on my credit report that is the result of inaccurate, false, and fraudulent information which consists of personal credit card accounts XXXX  XXXX  Card, Account XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX  Account XXXX opened XX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX This Also includes an Auto Lease from XXXX XXXX XXXX Account XXXX opened XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, and XXXX XXXX XXXX  NV XXXX XXXX. These accounts have resulted in several fraudulent inquries and inaccurate information on my credit report which continues to have banks deny me credit, housing, and good paying jobs. I've attached the credit report along with my FTC report, a complaint to the General State Attorney. I do not recognize the aforementioned fraudulent accounts/inquiries appearing on my credit report maintained by you were not opened, made or initiated by me. Again all of the fraud I have attached a copt of my FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US FTC Federal Trade Commission that all of the aforementioned consumer accounts/items and hard inquiries are the result of identity theft, fraud, and negligence of the reporting agencies data breaches from Experian, Equifax, and Transunion.

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Please remove from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. This breach violates the control of disclosure outlined in the the XXXX federal law known as FERPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-17 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 dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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