vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
TO : Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Negative Accounts Failure to Conduct a Lawful Investigation ( FCRA, FDCPA, IRS Regulations ) To Whom It May Concern : This letter serves as a * * formal dispute * * of multiple negative items on my credit report. I am demanding a full reinvestigation in accordance with the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) * *, and * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *.

I previously disputed these accounts, yet your agency returned them as verified without providing * * any documentation, evidence, or legal validation * *. You failed to provide a single piece of admissible proof such as a : - Signed original contract - Proof of ownership or assignment - 1099-C form in the case of charge-offs - Any statement showing accurate balance and activity - Creditors signature or internal notes of investigation The following accounts remain disputed : - 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: TX

Complaint narrative:
Re : Account number XXXX This letter is to response a [ letter/phone call ]! received on XX/XX/year>. I am requesting that you provide validation of this debt. 
Please send the following information : the name and address of the original creditor, the account number, the amount owed and a copy of the payment history per U.S. Code 15 U.S. .C. cos .681g sect 1-3.

Also include verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; A detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest ; The legal date the original creditor claims the account became delinquent. 
Please also note whether this debt is within the + statute of limitations and how that was determined. 
Please be aware that until the requested details are furnished that you have not fulfilled the XXXX requisites to report this account to the credit bureaus and must immediately remove this account from my credit report if you can not furnish the requested information per U.S. Code, 15 U.S.C. 1681g ( b ).

Also, your permission to contact me or communicate with me by phone or any other means except by mail through the United States Postal Service is re d per U.S. Code, 15 U.S.C.

1692c ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 disputing several hard inquiries that appear on my credit report, which I did not authorize. These inquiries were made around XX/XX/year>, by various auto finance companies and dealerships ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). 
I never gave written or verbal permission for these entities to run my credit. It appears my information was shared among multiple lenders without my direct consent, resulting in numerous hard pulls that are hurting my credit. 
Per the FCRA, I am requesting the removal of these unauthorized inquiries from my credit report : Ally Financial ( Experian & Equifax ) XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX via Dealer ( Equifax ) XXXX XXXX ( TransUnion ) XXXX ( TransUnion ) First Community Credit ( Equifax XXXX XXXX XXXX XXXX ( Equifax ) Please investigate and remove these inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am disputing several hard inquiries that appear on my credit report, which I did not authorize. These inquiries were made around XX/XX/year>, by various auto finance companies and dealerships ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). 
I never gave written or verbal permission for these entities to run my credit. It appears my information was shared among multiple lenders without my direct consent, resulting in numerous hard pulls that are hurting my credit. 
Per the FCRA, I am requesting the removal of these unauthorized inquiries from my credit report : Ally Financial ( Experian & Equifax ) XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX via Dealer ( Equifax ) XXXX XXXX ( TransUnion ) XXXX ( TransUnion ) First Community Credit ( Equifax XXXX XXXX XXXX XXXX ( Equifax ) Please investigate and remove these inquiries. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and unvalidated information reporting on my credit profile. I have never authorized, validated, or confirmed the reporting of the following data. Therefore, under my rights provided by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Compliance Standards, and the Consumer Data Industry Association ( CDIA ), I am demanding full factual verification. 

You are required to ensure that all data furnished to consumer reporting agencies is XXXX XXXX accurate, fully verifiable, and compliant with XXXX XXXX standards. The CDIA CRRG makes it clear : Any deviation from these standards jeopardizes the integrity of the data. I am exercising my right to request factual evidence proving the accuracy, completeness, and legality of each account listed below. You are obligated to verify : The full chain of ownership Original documentation with my live wet signature Permissible purpose for reporting Proper data field population per XXXX XXXX guidelines Compliance training certification of any employee who has handled this file Failure to provide full verification means you are reporting false, incomplete, and misleading information in direct violation of : FCRA XXXX ( b ) Failure to assure maximum possible accuracy FCRA XXXX Failure to reinvestigate disputed information FCRA XXXX Lack of permissible purpose FCRA XXXX & XXXX Civil liability for willful and negligent noncompliance THE FOLLOWING ACCOUNTS ARE BEING DISPUTED : Accounts : XXXX - XXXX Collections : XXXX XXXX - XXXX You have failed to provide any documented proof that these claims are accurate, valid, or legally reportable. If you are unable to fully verify the information in strict accordance with federal law and XXXX XXXX standards, I DEMAND IMMEDIATE DELETION of all disputed items from my credit file. 

This is your final opportunity to comply. My next correspondence will serve as a formal Letter of Intent to Sue ( LOITS ), wherein I will seek all available statutory damages of {$1000.00} per violation, as allowed under XXXX XXXX XXXX. 

You are now fully aware of your obligations. Non-compliance will be documented as willful negligence.

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 2025-06-19 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: TX

Complaint narrative:
I was using my American Express credit cards normally and responsibly when, without prior warning or valid explanation, Amex suddenly closed all of my accounts. I was given a generic notice that the decision was final and not subject to appeal. 

As a result : All of my Membership Rewards points were forfeited, despite being earned through legitimate usage. 

Annual fees I had recently paid were not refunded, even though the cards were closed shortly after being charged. 

My credit profile was negatively impacted, as my total available credit dropped significantly. 

I am seeking the following resolution : A full refund of the annual fees charged on the closed accounts. 

Restoration or reimbursement of the forfeited Membership Rewards points. 

A written explanation from Amex regarding why the accounts were closed. 

This treatment feels arbitrary and unfair. I would appreciate CFPBs help in resolving this matter and holding Amex accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-06-19 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Hard inquiries for the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCIAL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ALLY FINANCIAL Inquiry date XX/XX/XXXX Removal date XX/XX/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 Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX filing the complaint regarding inaccurate items in my credit report that continues to negatively impact my credit Despite my efforts to report to resolve directly with reporting agency it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. Dealerships have no right to send your report to all lenders without ur approval for each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX of XXXX, I made a claim with chase bank after seeing XXXX charges on my account that I did not personally make or authorize. These charges were as follows : XXXX target XXXX $ XXXX oil XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase bank said after investigating these charges that they found that they were made from my device. This is not possible because I have my phone with me at all times and I had my debit card as well. Ive never made online purchases to any of these places in my life. They told me unless I had proof that it wasnt me that they couldnt help me. There is no proof for online charges like these, anybody could have had my info and made these charges. These charges made my account negative during a time Im already struggling to get by, I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered the presence of late payments that I believe are inaccurate or unverified. Despite sending correspondence to the relevant parties over XXXX  days ago requesting proper validation of these items, I have not received any response or satisfactory documentation to support their inclusion on my credit report. This lack of response and failure to provide adequate validation raises serious concerns about the accuracy and legitimacy of these reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX reported my account 30 days late for XXXX, XXXX  days late for XXXX and XXXX, days late for XX/XX/XXXX. I knew this was incorrect and immediately contacted Upgrade. Upgrade stated they would correct the error. The error was fixed. Now on XX/XX/XXXX XXXX week after they corrected it they went again and re-reported the same error. Each time they did this my credit score has dropped XXXX points. Once again I contacted Upgrade and requested to speak to a XXXX. The supervisor I spoke to was XXXX XXXX XXXX stated she was going to provided through updated notes so this would not absolutely happen again. 

Back in XXXX I had to file another compliant because Upgrade reported my balance with them to be over XXXX the think about is they don't offer loans in that amount. The max they go to is XXXX and this was reported incorrectly twice back in XXXX score dropped XXXX points each time they reported incorrectly. Once again I was offered an apology and email stating the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-19 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate information to the credit reporting agencies. This inaccuracy includes payment history reporting. The company continues to report payment history after the charge off date which continues to reflect as recent payment activity, which are clear violations of the fair credit reporting act and Metro 2 reporting standards.

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