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 — Account information incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
On XX/XX/year>2025 I checked my credit report with XXXX, XXXX and XXXX AND NOTICED THAT XXXX IS REPORTING 2 LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. FURTHERMORE, KIKOFF INC IS REPORTING 5 LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE.

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

THIS IS ALSO A VIOLATION OF THE FAIR CREDIT REPORTING ACT. SPECIFICALLY, 15 U.S.C. 1681s-2, which is related to 1681a, outlines the responsibilities of those who furnish information to consumer reporting agencies, including the need to ensure accuracy and not report information with knowledge of errors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
I have disputed multiple inaccurate and unverifiable accounts on my Equifax credit report over the past few months. I first submitted my dispute on [ First Dispute Date ], and despite sending follow-ups, Equifax has failed to correct or delete the errors. They have also not provided any verification or proof to support the disputed accounts.

I have disputed the following issues : Inconsistent reporting dates across bureaus ( which violates FCRA 15 U.S.C. 1681e ( b ) ).

Charge-off account still reporting a balance, which should be reported as {$0.00}.

A collection account sold without proper notification, violating FDCPA 15 U.S.C. 1692e ( 6 ).

Incorrect personal address on my report, which should be removed.

Unauthorized hard inquiries that I never consented to, violating FCRA 15 U.S.C. 1681b.

Despite multiple dispute rounds, Equifax has failed to provide verification or remove the disputed items, as required under FCRA 15 U.S.C. 1681i ( a ). Their failure to comply is negatively impacting my credit score and financial well-being.

I have now submitted this complaint to the CFPB because Equifax is not taking corrective action as required by law. I expect them to resolve this issue immediately by either verifying the accounts with proper documentation or permanently removing them from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX of this year I woke up to an email stating I added my primary card information to an Illinois XXXX account that I haven't used in over 2 years now. I called Illinois XXXX and they informed me that " sometimes '' google will just give them card information. I have never had this happen before so that seemed a bit strange to me. I read over my google pay privacy statement and no where does it state that my card information could/would be given to a third-party without my knowledge or consent. On XXXX the XXXX i received more emails from Illinois XXXX that a different card had been added to this account because one card was inactive. Now im starting to wonder why they are phishing through my cards and how? Aren't there consumer protection laws that keeps my personal information private? Not to be shared with whomever inquiries for it. I am a victim of credit fraud and things have already been hard enough to get back on track. I have tried to contact Google services and the number just hangs right up. I'm not sure what type of outcome im looking for but as I am still doing my research I would at least like some answers to the questions that I have regarding my privacy and rights.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are the accounts that I have issues with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act, UPLIFTXXXX has violated my rights. XXXX USC 1681 Section 602 States I have the right to privacy. XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened : XXXX Balance {$4800.00} Account Name : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened : XX/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 2025-03-30 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXX  # XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/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 2025-03-30 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:
I am filing this complaint against Equifax, Experian, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a bankruptcy that has already been removed from XXXX, their primary data source for public records. 

I previously disputed this bankruptcy with all three bureaus, and they failed to conduct a reasonable investigation as required under FCRA 611 ( a ) ( 1 ). Instead of properly verifying the information, they continued to report it inaccurately.

Additionally, under FCRA 623 ( a ) ( 1 ), information that is known or should be known to be inaccurate can not be reported. Since XXXX has deleted the bankruptcy from its records, the credit bureaus have no independent source to verify it, meaning they are reporting false information. 

By continuing to report this bankruptcy, the credit bureaus are : 1. Failing to conduct a reasonable reinvestigation ( FCRA 611 ( a ) ( 1 ) ) 2. Reporting information they know is inaccurate ( FCRA 623 ( a ) ( 1 ) ) 3. Failing to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) )

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a bankruptcy that has already been removed from XXXX, their primary data source for public records. 

I previously disputed this bankruptcy with all three bureaus, and they failed to conduct a reasonable investigation as required under FCRA 611 ( a ) ( 1 ). Instead of properly verifying the information, they continued to report it inaccurately.

Additionally, under FCRA 623 ( a ) ( 1 ), information that is known or should be known to be inaccurate can not be reported. Since XXXX has deleted the bankruptcy from its records, the credit bureaus have no independent source to verify it, meaning they are reporting false information. 

By continuing to report this bankruptcy, the credit bureaus are : 1. Failing to conduct a reasonable reinvestigation ( FCRA 611 ( a ) ( 1 ) ) 2. Reporting information they know is inaccurate ( FCRA 623 ( a ) ( 1 ) ) 3. Failing to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) )

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: GA

Complaint narrative:
I have reached out to the company on multiple occasions, to settle this matter the companies have given me a hard time. I sent letters to fix the problem along with my identification. Upon calling I was met with confusion and no assistance requested numerous calls back from supervisors. and I still have not been able to speak with someone. its not going on 60days today date.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to the company on multiple occasions, to settle this matter the companies have given me a hard time. I sent letters to fix the problem along with my identification. Upon calling I was met with confusion and no assistance requested numerous calls back from supervisors. and I still have not been able to speak with someone. its not going on 60days today date.

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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

I looked at my experian credit report on XXXX XXXX and notice some thing are incomplete and not accurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-31 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: VA

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to file a formal complaint against JPMCB Card Services for their failure to validate a debt, as federally required by the Fair Debt Collection Practices Act ( FDCPA ), and for continuing to report a charged-off debt they no longer own on my credit profilean action equating to identity theft under my understanding of these circumstances. 

**Details of the Complaint : ** - **Account Number : ** XXXX - Despite my efforts and formal disputes sent via certified mail ( receipt acknowledged on XX/XX/year>, tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX JPMCB has ignored my requests for debt validation. 
- They have not only failed to provide the requested validation but have also continued to report the charged-off account, which they have sold, thereby falsely representing their ownership and authority over the account on my credit report. 

**Specific Violations : ** 1. **Non-compliance with FDCPA 1692g*XXXX : JPMCB did not validate the debt following my disputes. 
2. **Misleading Reporting Under FCRA** : They continue to report a debt not owned by them, misleading potential creditors and damaging my financial reputation without my permission.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
nothing changed information is still being reported XX/XX/2025

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 

The Consumer Financial Protection Bureau ( CFPB ) has sued both Experian and Equifax for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. 

Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that Experian and Equifax have routinely failed to comply with this obligation. 

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it. 

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement. 

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau XXXX Your continued reporting of information without proper verification constitutes willful negligence. 

Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against Experian and Equifax for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of the following inaccurate, unverified, and disputed accounts from my consumer report :

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX 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 AND XXXX. 

Account Name : XXXX BANK XXXX XXXXXXXX - Date Opened : XX/XX/XXXX Account Name : XXXX CARD XXXX XXXXXXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation