vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today XX/XX/year>, I checked my online banking and saw that my Chase Sapphire Preferred Credit Card account ending in XXXX is closed. Chase did not even let me know the reasons why they closed my account. And also, there are transactions that were not made by me. I have no idea why they closed my account and they did not let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Complaint Against I.C. System Account # XXXX I am filing this complaint regarding an account being reported by I.C. System ( Account # XXXX ), which I am completely unaware of. I have never received any communication from this debt collector regarding this alleged debt. I was never given the opportunity to dispute or validate this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

If I.C. System claims that they sent me any form of notification or correspondence about this debt, I am requesting that they provide Certified Mail documentation with proof of delivery, including a signed receipt clearly showing my signature. Without this, I maintain that I never received proper notification as required by law.

Furthermore, I formally request full validation of this alleged debt. This includes, but is not limited to : The name of the original creditor, A copy of the original signed contract bearing my signature, A copy of the original date and time of this signed contract A detailed explanation of the product or services allegedly rendered, A full accounting of the amount claimed.

If I.C. System can not provide this documentation, they are in violation of federal law. According to the Fair Credit Reporting Act ( FCRA ), if information on a credit report is unverifiable, inaccurate, or incomplete, it must be corrected or removed.

Given that I was never properly notified, have no knowledge of this debt, and have not received any validation, I am requesting that this account be immediately removed from my credit reports with all major credit bureaus. Continued reporting of unverified and disputed information constitutes a violation of the FCRA and FDCPA.

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 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Attempting to collect a balance I do not owe. Claims I did not pay 3 months rent. I sent proofs of the cashed checks from my bank. Showing it was paid the the checks were cashed by the Apartments complex. Yet they continue to try to collect money I never even owed. After sending the cashed checks they continue to dispute rent is owed and ignore the fact there was nothing owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am filing this complaint against American Express for the sudden and unexplained cancellation of all three of my credit card accounts, along with their refusal to refund my earned cash rewards and annual membership fee. 
XXXX. Abrupt Account Closures Without Notice : o On XX/XX/year>, American Express cancelled my Blue Cash Everyday card without prior warning. 
o XXXX XX/XX/year>, they cancelled my XXXX XXXX and XXXX XXXX XXXX without prior warning. 
o The only reason provided was a vague claim of " misuse '' with no further clarification despite multiple calls to customer service.

2. Unfair Withholding of Earned Rewards & Fees : o I had {$1400.00} in accumulated cash rewards on my Blue Cash Everyday card, which American Express refused to refund. 
o I was also charged a {$690.00} membership fee for my Platinum Card, which American Express refused to refund.

3. Lack of Transparency & Poor Customer Service : o I have been a loyal American Express customer for over XXXX years with a strong payment history. 
o Despite repeated requests, American Express failed to provide a clear explanation for the closures or a way to appeal the decision. 
o The refusal to return my earned rewards and fees appears to be unjust enrichment on their part. 

This treatment by American Express is unfair, deceptive, and harmful to a long-standing customer. I urge the CFPB to investigate this matter and ensure that American Express complies with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX  XXXX XXXX * * * * * * Balanced {$8.00}

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 2025-05-17 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: EQUIFAX, INC.
State: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send letter to you guys before but I have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from 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 2025-05-17 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

I disputed an apartment-related collection account that XXXX XXXX XXXX is reporting on my credit file. After initiating the dispute with the credit bureaus, the account remained on my credit report. However, I never received sufficient verification of the alleged debt from XXXX XXXX XXXX, nor was I provided with documentation showing how the debt was verified, the original contract, or a signed lease showing my legal obligation to the debt. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if the furnisher of information ( in this case, XXXX XXXX XXXX ) verified a disputed item, they must provide the method of verification and the underlying documentation to support the continued reporting of the debt. This was not provided to me. Instead, my dispute was marked as closed, and the inaccurate and unverified information remains on my report, causing further damage. 

Additionally, under XXXX XXXX. XXXX ( b ) of the FDCPA, a debt collector must cease collection and verify the debt when a consumer disputes it in writing within 30 days. I requested this information and did not receive proper validation or a detailed response that satisfies this requirement. 

Because XXXX XXXX XXXX continues to report this unverifiable debt, and because the credit bureaus did not receive nor provide proof of the method used to verify it, I am requesting that : XXXX XXXX XXXX be investigated for failure to comply with federal law. 
This account be removed immediately from all consumer credit reporting agencies due to lack of verification and transparency. 
I receive a written response with detailed verification, including the name and method of verification used, per FCRA and FDCPA guidelines. 
This continued reporting is inaccurate, incomplete, and violates my rights. I am requesting prompt resolution and removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-17 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: FL

Complaint narrative:
transuion fail to do there job and keep XXXX this acct thats were made by fraud XXXX XXXX  XXXX, XXXX XXXX  XXXX credit inqural frm XXXX XXXX this accts are all fraud i keep tell them dat and also i file a ftc 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX Email : XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX, XXXX. 

Date : XXXX Subject : Formal complaint against Truist Bank for improper funds adjustment stolencheck case To whom it may concern, My name is XXXX XXXX I am filing this formal complaint against Truist Bank for unjustly debiting $ XXXX from my account. The amount corresponds to a payroll check that had already been deposited, cleared, and used. 

Facts of the case XXXX : I made a mobile deposit at Truist Bank for {$1800.00} using check XXXX issued by my employer, XXXX XXXX XXXX. 

The funds were credited to my account and used normally. 

XXXX : That same check was stolen from my vehicle and fraudulently deposited into an account at XXXX. 

XXXX : Truist debited {$1800.00} from my account as an adjustment, claiming a duplicate deposit, without proper investigation or protection of my consumer rights. 

As a result of this situation, I closed my account with Truist, deeply dissatisfied with the lack of support and security in the face of evident fraud. 

Supporting documents attached XXXX statement showing the original deposit. 

XXXX statement showing the adjustment/withdrawal. 

Official Truist letter explaining the adjustment and dates.

Image of the original check ( issued by my employer ). 

Police report ( case XXXX, XXXX Police Department ). 

Requested resolution I respectfully request that Truist Bank refund the {$1800.00} improperly withdrawn. The check was legally deposited and processed, and the second transaction was clearly fraudulent. It is the banks responsibility to protect its customers and reject suspicious activity rather than hold the victim liable. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Please note : If you need to contact me, I speak XXXX only. I will require an interpreter or written communication in XXXX. 

Sincerely, 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 2025-05-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am demanding the immediate and permanent deletion of fraudulent and inaccurate accounts that Equifax and Experian continue to report in blatant violation of the Fair Credit Reporting Act ( FCRA ).

Equifax has refused to remove a XXXX XXXX XXXX  collection account that was already previously deleted. I have submitted extensive evidenceincluding proof of non-ownership and prior deletion recordsyet Equifax continues to ignore its legal obligations. For months, they have kept my dispute in pending status without resolution, violating : FCRA 611 ( failure to conduct a reasonable reinvestigation ) FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ) FCRA 616 & 617 ( willful and negligent noncompliance ) Experian is also willfully violating federal law by re-inserting late payments from : XXXXXXXX XXXX ( {$1900.00} ) XXXX XXXX ( {$97.00} ) XXXX ( {$0.00} ) These late payments were properly removed after previous disputes, but Experian unlawfully reinserted them without providing the required written notice within five ( 5 ) business days, violating : FCRA 611 ( a ) ( 5 ) ( B ) FCRA 611 & 607 ( b ) FCRA 616 & 617 Both Equifax and Experian are knowingly reporting false and damaging information, resulting in denials of housing, credit opportunities, and financial harm. This is not a simple errorthis is deliberate noncompliance. 

I am demanding the immediate and permanent deletion of these accounts within 4 days. If this is not corrected, I will proceed with : Lawsuits for willful FCRA violations Compensatory and punitive damages claims Formal complaints to federal and state agencies I am attaching formal dispute letters that outline these violations in detail. This is my final demand for action.

The CFPB must enforce immediate removal.

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. This account was used to pay medical bills and expenses. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: DC

Complaint narrative:
To Whom It May Concern, I have noticed a risk factor listed on my credit report that states " lack of sufficient relevant real estate account information. '' This comment unfairly misrepresents my creditworthiness, as I do not own real estate, nor is such information relevant to my credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), any information reported must pertain to permissible purposes. I request that you remove this comment immediately to ensure fair reporting.

Please provide written confirmation once this has been addressed. Thank you for your cooperation. 
Sincerely, 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