vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-10 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: NC

Complaint narrative:
I am filing this complaint because the credit reporting agency is reporting outdated, inaccurate, or unverifiable personal information on my credit file. Despite my written disputes and supporting documentation submitted on or around XX/XX/scrub>, 2025, the bureau has not removed or corrected the following : Former or misclassified addresses Inaccurate employer entries ( e.g., XXXX Learning XXXX, XXXX, XXXX, XXXX XXXX, etc. ) Incorrect name variations ( e.g., XXXX XXXX ) These errors are affecting the accuracy of my file and violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) ( A ) for reinvestigation obligations, 1681e ( b ) for accuracy, and 1681c for exclusion of outdated information.

Additionally, I requested that my full Social Security number and date of birth be truncated from all consumer disclosures in accordance with federal privacy requirements, which has not been acknowledged.

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 2025-07-10 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: NC

Complaint narrative:
I am filing this complaint because the credit reporting agency is reporting outdated, inaccurate, or unverifiable personal information on my credit file. Despite my written disputes and supporting documentation submitted on or around XX/XX/scrub>, 2025, the bureau has not removed or corrected the following : Former or misclassified addresses Inaccurate employer entries ( e.g., XXXX Learning XXXX, XXXX, XXXX, XXXX XXXX, etc. ) Incorrect name variations ( e.g., XXXX XXXX ) These errors are affecting the accuracy of my file and violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) ( A ) for reinvestigation obligations, 1681e ( b ) for accuracy, and 1681c for exclusion of outdated information.

Additionally, I requested that my full Social Security number and date of birth be truncated from all consumer disclosures in accordance with federal privacy requirements, which has not been acknowledged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I want to make it clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Sent validation letter, Did not reply in the debt in 30 days have no validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am formally disputing the reporting of the XXXX XXXX XXXX XXXX on my credit report for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On or around XX/XX/XXXX, I was contacted by XXXX XXXX XXXX and informed that if I intended to dispute the alleged debt, I must do so in writing by XX/XX/XXXX. Their letter informed that upon receipt, debt collection would stop until validation of the debt was complete. I complied with this request and sent a certified letter on XX/XX/XXXX, which was delivered and received. In that letter, I lawfully requested : 1. Full validation of the debt and a breakdown of how the balance was calculated.

2. Proof of ownership of the debt.

3. Proof of assignment or sale from the original creditor ( XXXX XXXX XXXX ). 
4. A copy of the original signed contract.

5. Acknowledgment that this tradeline was previously disputed with the original creditor before its removal. 

To date, XXXX XXXX has not responded with any documentation, which constitutes a direct violation of FDCPA Section 809 ( b ) ( 15 U.S. Code 1692g ) which states that upon written request for validation, collection activity must cease until proper verification is provided. Merely commenting that the debt has been " verified '' is not sufficient under the law. Verification must include actual documentation, not statements.

Furthermore, this tradeline is being reported with a " Date Opened '' of XX/XX/XXXX, which is not the date of original delinquency, but rather the date XXXX XXXX acquired the debt. The original debt was opened with XXXX XXXX XXXX on XX/XX/XXXX, and this inaccurate reporting appears to be a re-aging of the debt a violation of FCRA Section 623 ( a ) ( 5 ).

Responsibility of Equifax : As the credit reporting agency furnishing this
information, Equifax is also held liable under the FCRA. According to FCRA Section 611 ( 15 U.S. Code 1681i ), a credit bureau must : - Conduct a reasonable investigation when a consumer disputes a tradeline.

- Delete or correct the information if it can not be verified within 30 days.

- Not rely solely on a furnishers unsubstantiated claims of accuracy without actual verification. 

If the information provider ( XXXX XXXX ) can not or does not furnish documentation to substantiate the debt upon dispute, Equifax is legally obligated to remove or correct the entry. Simply accepting a comment or unverifiable claim from a furnisher is not considered a reasonable investigation and may constitute willful noncompliance under FCRA Section 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There was no action taken I have not heard anything about my disputes on all companys on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There was no action taken I have not heard anything about my disputes on all companys on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX of 2025 I received an email that seem to be from a reputable company. I clicked the link and next thing I knew a total of {$600.00} was taken out of my account. I immediately called my bank and had them freeze my credit card and told them I did not authorize the charge. They told me they would look into it and take care of it. Later on the charges went through and I was forced to open a dispute the dispute team never reached out to me for information and denied my dispute. Therefore, I opened another dispute and sent them files of information and proof that I did not authorize the charges. After over a month of investigating they once again denied my dispute. I had tried to reach out to the company who the charges came from, but they were not able to help me. It is all very complex but what this company does Is they are some sort of crypto company and they have people that sign on to their platform and through their platform scam people, they are all too aware of these things happening and have done nothing to fix it and absolutely refuse to give me my money back. This company is called XXXX. I then decided to just speak to my bank I have never had issues with them and have been with them for years and they once again denied my second dispute unfortunately, I am a college student, pursuing my degree in XXXX, and this has greatly affected my finances and mental health. I do not know what else to do so I have come to you guys. I have also reached out to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
XX/XX/year> Regarding : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  Re : Dispute of Credit Information Request for Verification under FDCPA 809 ( b ) I am writing to formally dispute the accuracy of certain information reported on my credit report maintained by your bureau. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), I am requesting that you verify the validity of this debt or item in question.

Under FDCPA 809 ( b ), I am entitled to request validation of the debt within 30 days of notification. Please provide documentation that substantiates the debt, including the original creditor 's information and any supporting account statements or records. Until such verification is provided, I request that the disputed entry be marked as " disputed '' or removed from my credit report per my rights under the law. 

Please send me the requested evidence at the address listed above. I appreciate your prompt attention to this matter and expect a response within the timeframe mandated by law. 

Thank you for your cooperation.

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 2025-07-10 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: Early Warning Services, LLC
State: IN

Complaint narrative:
I reviewed my Early Warning Services ( EWS ) Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair and equitable manner that it be investigated and, if necessary, be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, I am writing to formally dispute an address listed on my credit report that is not associated with me. The address in question is incorrect and does not belong to me. 

This constitutes false reporting under the Fair Credit Reporting Act ( FCRA ), and I am requesting that Experian promptly investigate and delete this inaccurate address from my file.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ongoing Issue Still No Proof or Proper Response from JPMCB Im following up because JPMCB is still reporting XXXX accounts on my credit report ( ending in XXXX and XXXX ), even after I disputed them. 
I originally asked for proof that these accounts are mine like a signed agreement or any documents that show I applied or agreed to them. Instead, I got a generic response just saying they were verified, but no actual evidence was provided. 
This doesnt seem like a real investigation. The Fair Credit Reporting Act says furnishers must check and verify the accuracy of disputed info, and I dont believe thats been done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
applied for a loan they needed information which i provided i have XXXX XXXX so my sister helps me with certain things she hold all my information which she told them that but anyways i aplliwd for a loan on XX/XX/year> they said i was approved for {$200.00} but since yhe next day was a holiday i would need to come in that monday so i go in they said i needed to send the information in which i did today is XX/XX/year> i looked online to see if my application was approved which once again was not so i called and they said that i got denied do to fraudulent documents so my sister ask hiw was they fraudulent? so called the corporate. number and the lady said she would look into it because that was weird that they would say that havent heard anything back yet thinking anout sueing for discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple accounts and inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to None of these belong to me, and this fraudulent activity is causing me serious distress and anxiety. This clearly indicates that I have been a victim of identity theft. I urgently request immediate action to address this situation. The fraudulent accounts currently appearing on my report are as follows : XXXX XXXX XXXX Card-Opened in XX/XX/XXXX ; XXXX-Child Support-Opened in XX/XX/XXXX ; XXXX XXXX-Credit Card -Opened in XX/XX/XXXX ; XXXX XXXX XXXX-Auto Loan-Opened in XX/XX/XXXX. Furthermore, my credit report shows hard inquiries that I never authorized or consented to, further demonstrating that I am a victim of identity theft. The unauthorized inquiries are as follows : TransUnion XXXX XXXX XXXX on XXXX XXXX ; Equifax XXXX-inquired XXXX XX/XX/XXXX ; XXXX-inquired on XX/XX/XXXX ; XXXX-inquired on XX/XX/XXXX ; XXXX-inquired on XXXX XXXX ; XXXX-inquired on XX/XX/XXXX ; XXXX-inquired on XXXX XXXX ; XXXX-inquired on XXXX XXXX ; Experian XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX XXXX  XXXXinquired on XXXX XXXX ; XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX-inquired on XXXX XXXX ; XXXX-inquired on XXXX XXXX ; XXXX XXXX - inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX  XXXXinquired on XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
This letter serves as formal notice that my credit file contains inaccurate and fraudulent entries. These accounts do not belong to me and were not authorized, applied for, or maintained by me at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
An ex-spouse has assumed the debt being reported per the divorce decree because of the fraudulent actions she committed during the time in which the debt occurred. I have disputed this with the creditor ( Amex ) for over a year and a half now with no response ( started communications with Amex in XXXX of XXXX when issues with fraudulent actions were discovered ). A that time they had sold the debt to a collections agency in which I contacted right away and informed them of the ongoing court proceedings involving this issue. When the proceedings concurred in XXXX of XXXX and the debt was awarded to my ex-spouse because of the fraudulent acts they committed, I contacted the debt collections agency right away. It was at that time I was informed that they sold the debt back to Amex. After this discovery, I have called Amex repeatedly, sent letters, sent the divorce decree ( proof ) and have yet to receive any word from Amex. I still received a negative mark on my credit report every month. I have tried everything I could to work with the creditor but they have not responded nor even attempted to work with me.

Company response to consumer: Closed with explanation