vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-24 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 explanation
Consumer complaint received 2025-01-24 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:
" 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 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
XXXX has charged me {$7.00} for a new card and they have not issued me a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
On XX/XX/XXXX, Capital One charged me an annual membership fee of {$390.00}. 

On XX/XX/XXXX, Capital One closed my account providing the following reason based on Capital Ones account opening and ongoing due diligence : " Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence. '' This account closure was performed conveniently on a date shortly after their stated grace period for annual fee refunds. 

Capital One has enriched themselves with the proceeds of the {$390.00} annual membership fee of which I do not receive any benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a letter from CITI stating I was denied on an application. I haven't applied for anything. I tried calling them and could never talk to anyone about my problem.

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 2025-01-24 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
School Closed Student Loans Was Taken Off My Credit Report And Then Put Back By Another Company. Its Been On My Credit Report Since XXXX. It Needs To Become Deleted From Good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Every month the interest rates went higher and higher. I cant really remember the dates, but Im going to try and get the paperwork again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
On XX/XX/year> someone attempted to get a loan with my credit file XXXX XXXX ON XX/XX/XXXX someone attempted to use my credit fine again for a loan XXXX XXXX XXXX XXXX  On XX/XX/XXXX XXXXsomeone attempted to get a loan on my credit file FACTUAL DATA CONSUMER On XX/XX/year> someone attempted to get a loan on my credit file FACTUAL FATA CONSUMER ON XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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.

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 2025-01-24 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: FL

Complaint narrative:
-- - XXXX XXXX Subject : Formal Dispute of Inaccurate Information Portfolio Recovery Associates To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit report. Specifically, they are misrepresenting the date of first delinquency, providing conflicting dates across all three credit bureaus. This inconsistency is clear evidence of their failure to report accurate and uniform data as required by the Fair Credit Reporting Act ( FCRA ). 

I have documented proof that XXXX XXXX XXXX has provided different dates of first delinquency to the three credit bureaus, despite the fact that my actual date of first delinquency was XX/XX/year>. This discrepancy is misleading and suggests an unlawful attempt to re-age the account, which is a violation of federal law. 

I am also aware of the Consumer Financial Protection Bureau 's ( CFPB ) recent lawsuit against the major credit bureaus for failing to properly investigate consumer disputes. This case underscores the importance of compliance with federal regulations and the need for a human investigator to handle disputes such as minenot an automated system or artificial intelligence. 

To resolve this dispute, I demand the following : 1. A human-led investigation into XXXX XXXX XXXX XXXX XXXX for this account. 


2. Immediate correction of the date of first delinquency to XX/XX/year> across all three credit bureaus, ensuring uniformity and compliance with the FCRA. 


3. Removal of any inaccurate or misleading information resulting from this inconsistency. 


4. Written confirmation of the results of your investigation and the corrective actions taken within 30 days of receipt of this letter, as required by the FCRA. 



If this matter is not resolved promptly, I will pursue all available legal remedies, including filing a lawsuit for willful non-compliance with the FCRA. Furthermore, I will report your failure to properly investigate this dispute to the CFPB, Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

This is your formal notice of dispute. I expect immediate attention and a fair resolution of this matter. 

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 2025-01-24 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:
-- - XXXX XXXX Subject : Formal Dispute of Inaccurate Information Portfolio Recovery Associates To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit report. Specifically, they are misrepresenting the date of first delinquency, providing conflicting dates across all three credit bureaus. This inconsistency is clear evidence of their failure to report accurate and uniform data as required by the Fair Credit Reporting Act ( FCRA ). 

I have documented proof that XXXX XXXX XXXX has provided different dates of first delinquency to the three credit bureaus, despite the fact that my actual date of first delinquency was XX/XX/year>. This discrepancy is misleading and suggests an unlawful attempt to re-age the account, which is a violation of federal law. 

I am also aware of the Consumer Financial Protection Bureau 's ( CFPB ) recent lawsuit against the major credit bureaus for failing to properly investigate consumer disputes. This case underscores the importance of compliance with federal regulations and the need for a human investigator to handle disputes such as minenot an automated system or artificial intelligence. 

To resolve this dispute, I demand the following : 1. A human-led investigation into XXXX XXXX XXXX reporting practices for this account. 


2. Immediate correction of the date of first delinquency to XX/XX/year> across all three credit bureaus, ensuring uniformity and compliance with the FCRA. 


3. Removal of any inaccurate or misleading information resulting from this inconsistency. 


4. Written confirmation of the results of your investigation and the corrective actions taken within 30 days of receipt of this letter, as required by the FCRA. 



If this matter is not resolved promptly, I will pursue all available legal remedies, including filing a lawsuit for willful non-compliance with the FCRA. Furthermore, I will report your failure to properly investigate this dispute to the CFPB, Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

This is your formal notice of dispute. I expect immediate attention and a fair resolution of this matter. 

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have notified Equifax on at least 6 different occasions in XXXX that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. On 2 occasions they removed them and reinserted the same inquiries within 30 days. 

Equifax continues to violate the law and my rights. I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the CFPB have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days.

Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request Equifax to remove the following ( 13 ) inaccurate, unverifiable, fraudulent inquiries from my report. 

1.XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX 3.XXXXXXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX/XXXX/XXXX 7.CXXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
In XXXX of XXXX, XXXX began reporting reporting my Shellpoint mortgage account, an account paid in full in XXXX, as XXXX  days delinquent in XX/XX/XXXX and XXXX  days delinquent in XX/XX/XXXX. THE ACCOUNT WAS PAID IN FULL IN XXXX. I have filed multiple requests to correct the issue and have been denied credit as a result of this error. I have disputed, I have spent more than XXXX hours on hold. I have escalated to XXXX and shellpoint and have been abused by both who repeatredly promise corrective action and do absolutely nothing.. Today I was told by an XXXX XXXX, there is absolutely nothing that can be done ... ......

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I enrolled in a {$200.00} promotion for XXXX in early XXXX. On XXXX I made a purchase a XXXX which should have qualified for the promotion. I called in in early XXXX and they claimed that I never enrolled. However, I specifically remember going to the website clicking " Get Started '', agreeing to the terms and clicking " Enroll Now '' before doing the transaction. There is a problem with the Amex website enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to XXXX, XXXX, and TransUnion to get settled accounts off of my credit reports to not show as delinquent account. 

I mailed them letters, and disputed the accounts on the applications.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out to XXXX, Experian, and XXXX to get settled accounts off of my credit reports to not show as delinquent account. 

I mailed them letters, and disputed the accounts on the applications.

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