vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: KY

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
I DO NOT RECOGNIZE THESE ADDRESSES PLEASE REMOVE. THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 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 2025-03-30 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: AL

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 non-monetary relief
Consumer complaint received 2025-03-30 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is DOE XXXX XXXX XXXX -XXXX  - XXXX -DP OF EDUC - XXXX XXXX XXXX - XXXX - XXXX, XXXX & XXXX - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-03-30 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is DOE XXXX XXXX XXXX -XXXX  - XXXX -DP OF EDUC - XXXX XXXX XXXX - XXXX - XXXX, XXXX & XXXX - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i deposited 2 authentic checks. both completely valid. a long hold time was automatically placed on them. this is unacceptable as ive already confirmed with the issuer of the check and the financial institutions that the checks would clear NO PROBLEMXXXX XXXX XXXX XXXX XXXX XXXX XXXX  both offered to cash the checks instantly for a {$7.00} fee. instead, i foolishly deposited them into my checking account. 

now the first check has cleared, and they restrict my account so i cant pay important bills before this next work week begins. 

the checks are completely valid. there is XXXX communication coming from chase about the restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MD

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 2025-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
Account was paid in full but world acceptance reported balance and paid off status. Account was disputed but balance hasn't been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 inquires on a personal credit card account opened at XXXX XXXX XXXX on XX/XX/2024. Also, XXXX XXXX on XXXX XXXX & XXXX XXXX on XX/XX/XXXX, XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This formal complaint is being submitted against Equifax, Experian, and TransUnion for their continued reporting of inaccurate, incomplete, fraudulent, and unverifiable information on my credit reports. Despite previous formal disputes clearly outlining these discrepancies, the credit bureaus have failed to correct, remove, or adequately investigate these inaccuracies as required by law. 

Disputed Accounts : XXXX XXXXXXXX ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXXXXXX ( # XXXX ) XXXX ( # XXXX ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Violations of Law : Failure to Provide Proper Verification ( FCRA 1681i ) Failure to Conduct Reasonable Investigation ( FCRA 1681i ) Failure to Mark Accounts as " Disputed '' ( FCRA 1681i ( a ) ( 6 ) ( B ) ) Reporting Inaccurate Information ( FCRA 1681e ( b ) ) Failure to Notify Under FDCPA ( 1692g ) Failure to Ensure Accuracy ( FCRA 607 ( b ) ) Failure to Investigate Within Required Timeframes ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to Protect Personal Information ( NRS Chapter 603A ) Ignoring Identity Theft Protections ( NRS 205.463 ) Failure to Provide Resources for Identity Theft Victims ( NRS 205.465 ) Violations of XXXX  State Law ( NRS 205.463 ) Requested CFPB Actions : Enforce immediate removal and permanent blocking XXXX all disputed accounts XXXX unauthorized inquiries, incorrect employment records, and erroneous addresses from all my credit files at Equifax, Experian, and TransUnion. 

Mandate these bureaus provide documented proof of verification processes and promptly mark all disputed items as " Disputed. '' Issue penalties against Equifax, Experian, and TransUnion for failure to comply with FCRA and FDCPA regulations. 

Ensure corrective actions comply strictly with federal and Nevada state law requirements regarding identity theft and consumer protection. 

Due to the seriousness of these repeated violations and negligent handling of sensitive personal and financial data, I am requesting the CFPB 's immediate attention and aggressive enforcement to resolve this matter thoroughly and swiftly. 

Please provide written confirmation of actions taken in response to this complaint. 

Thank you for your immediate attention to this serious matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NV

Complaint narrative:
This formal complaint is being submitted against Equifax, Experian, and TransUnion for their continued reporting of inaccurate, incomplete, fraudulent, and unverifiable information on my credit reports. Despite previous formal disputes clearly outlining these discrepancies, the credit bureaus have failed to correct, remove, or adequately investigate these inaccuracies as required by law. 

Disputed Accounts : XXXX XXXXXXXX ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXXXXXX ( # XXXX ) XXXX ( # XXXX ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Violations of Law : Failure to Provide Proper Verification ( FCRA 1681i ) Failure to Conduct Reasonable Investigation ( FCRA 1681i ) Failure to Mark Accounts as " Disputed '' ( FCRA 1681i ( a ) ( 6 ) ( B ) ) Reporting Inaccurate Information ( FCRA 1681e ( b ) ) Failure to Notify Under FDCPA ( 1692g ) Failure to Ensure Accuracy ( FCRA 607 ( b ) ) Failure to Investigate Within Required Timeframes ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to Protect Personal Information ( NRS Chapter 603A ) Ignoring Identity Theft Protections ( NRS 205.463 ) Failure to Provide Resources for Identity Theft Victims ( NRS 205.465 ) Violations of XXXX  State Law ( NRS 205.463 ) Requested CFPB Actions : Enforce immediate removal and permanent blocking XXXX all disputed accounts XXXX unauthorized inquiries, incorrect employment records, and erroneous addresses from all my credit files at Equifax, Experian, and TransUnion. 

Mandate these bureaus provide documented proof of verification processes and promptly mark all disputed items as " Disputed. '' Issue penalties against Equifax, Experian, and TransUnion for failure to comply with FCRA and FDCPA regulations. 

Ensure corrective actions comply strictly with federal and Nevada state law requirements regarding identity theft and consumer protection. 

Due to the seriousness of these repeated violations and negligent handling of sensitive personal and financial data, I am requesting the CFPB 's immediate attention and aggressive enforcement to resolve this matter thoroughly and swiftly. 

Please provide written confirmation of actions taken in response to this complaint. 

Thank you for your immediate attention to this serious matter. 

Respectfully, 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 2025-03-30 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: CA

Complaint narrative:
Complaint to credit bureau - reply was dispute appears to have come from XXXX party. 

Dispute was filed by myself and sent via certified mail with tracking. TransUnion has refused to process my dispute and violated FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
HELLO TRANSUNION EXPERIAN EQUIFAX, REPEATED OFFENDERS CAN YOU PLEASE SEND ME A COPY OF THE CERTIFIED MAIL THAT I GAVE YOU WRITTEN CONSENT TO FURNISHED THESE ALLEGED ACCTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ON MY REPORTS. YOUR COMPANIES IS VIOLATING USC 6802, USC 6803, USC 1681gA1B23abc456cde7 9 8 10 11 12 USC 1692G, 1692C, USC 1681 E B, USC 1961-1968 GRAHM LEACH BLILEY ACT USC 1028 AGGRAVATED I DENTITY THEFT I NEVER GAVE YOUR COMPANIES TO USE XXXX XXXX XXXX XXXX WITH THESE ALLEGED COMPANIES ABOVE TO BE USED IN COMMERCE ALSO PLEASE SEND CERTIFIED MAIL YOU SENT TO PLEASE ASKING FOR CONSENT TO FURNISHED THE ALLEGED FRAUD ACCTS DEBTS ABOVE TO BE FURNISHED ON MY REPORTS IF YOUR COMPANIES CANT SEND THE CERTIFIED LETTER THAT I GAVE CONSENT TO FURNISHED ALLEGED ACCTS ON MY REPORT PLEASE DELETE IVE NEVER RECEIVED CERTIFIED MAIL.YOU ARE IN CLEAR VIOLATION I WIL RPORT AND MOVE TO LITIGATION STOP COMMITTING FRAUD FOR GAIN THANKS

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 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
Collection is a false collection that wasnt mine I need this off my credit report effect immediately as it was a false report and false on my credit report its not mine everything is wrong please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Complaint Regarding Unfair Account Closure and Deposit Refund Capital One Platinum Secured ( Ending in XXXX ) Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Capital One regarding the closure of my Platinum Secured credit card account ( last four digits : XXXX ) and the withholding of my security deposit. 

I initially opened this secured credit card account with Capital One, for which I provided a security deposit to establish my credit limit of {$1000.00}. I have been using my card responsibly and making all required payments on time. My most recent payment, in the amount of {$1100.00}, was made in full and on time. However, despite my good standing, Capital One unexpectedly restricted and subsequently closed my account without prior warning or a clear explanation. 

Following the closure of my account, I contacted Capital One to inquire about my security deposit refund, as I no longer have an active account with them. However, they have not processed my deposit refund, nor have they provided a valid reason for withholding it. As a responsible customer who has met all financial obligations, I find this practice to be unfair and unacceptable. 

I am requesting the CFPBs assistance in ensuring that Capital One promptly returns my security deposit. I believe that financial institutions should be held accountable for fair and transparent practices, and I appreciate your help in resolving this matter. 

Please let me know if any additional information or documentation is needed. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: KY

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: MI

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within XXXX  days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: MI

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within XXXX  days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

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 2025-03-30 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: OH

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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