vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: AL

Complaint narrative:
I have requested the 1099-C from a XXXX XXXX i have not received it, had to reach out to the IRS, XXXX XXXX has failed to send me the order of process of how investigation are handled US code 1681 ( e ) all information must be accurate how am i to tell if the company wasn't verifying to begin with. Rule 938 says that a consumer bankruptcy isnt shared they don't share it so who did Equifax tell this data was accurate and not to mention it's not on XXXX! XXXX XXXX  has a account updating the CHARGE OFF every month that is also the law because a account closes only one time, why is XXXX XXXX reporting a charge off or closed account every month thats against the law, if the account can only close XXXX time XXXX XXXX  is intentionally committing fraud against me because make it make sense. REMOVE all information that's not accurate, verify the closes every single month, verify a charge off has been happening every single month you can't. And XXXX XXXX is reporting an account that was paid by insurance in full as a negative account i have requested in writing the original contract, the details from the insurance company and the payOUT amount they received from the insurance company and i wrote the IRS to see how XXXX XXXX handled the XX/XX/XXXX case because if the data is correct why is so hard for this company to send it to me REMOVE THE INACCURATE DATA OR SEND ME ALL VERIFYING INFORMATION, EQUIFAX send me the information on how the verification process goes who did yall speak with, letter did yall send to accurately investigate the bankruptcy,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX, according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i never received my sign signture original contract or any information about this debt. stop calling me before XXXX and after XXXX cease and desist delete account asap. 12 CFR 1006.6C I want this account removed immediately this account a joint account. I want this account removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
ME- I received a credit card from the " Destiny '' cc company in XXXX in the amount of a {$700.00} credit limit at 35.90 %! I was able to bring the balance down to about {$560.00} in XXXX. When I lost my job I could not make any payments because I am a senior on a fixed income with SS. I need a job to pay for essentials that SS can not cover. in XXXX, after I lost my job I tried to take advantage and submitted and application to the " Credit Protection Dept ''., providing them at their request to accomodate the application Documents of all the paystubs I received, ( Approximately XXXX XXXX paystubs ), that I had to download and print from my ex-employer, also, The Employer/Contact info.. Also, inclusive of the Credit Protection Plan Fee that is added to my monthly payment ( I'm paying for the Plan ) " Destinty '', monthly charged the account each month to the minimum monthly payment. Within a few days, after submitting all documents with the application via email, " The XXXX XXXX XXXX '' Denied me, discriminating and applying their own rules and on who and who not will benefit from the Plan due to certain circumstances. After the decision of The XXXX XXXX XXXX, " Destiny '' sent me to a XXXX XXXX XXXX XXXX. I tried to lessen the risk by applying with the Plan for benefiting form the XXXX XXXX that I assumed I had under misinformation, lack of transparency, deceit, while not being provided a copy of any Policy of the Plan. So now in XXXX, they are adding over {$1100.00} in Fees and interest on a {$560.00} Credit balance ( I brought down from {$700.00} ). Which makes their XXXX XXXX XXXX amount due, {$1300.00}. Their disclaimer and arrangement with XXXX  the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) is to Collect that amount. My payment arrangement with XXXX XXXX  today is at a {$50.00} a month payment I can pay that off in XXXX. But they say if it takes the 2 years, I will end up paying back {$1700.00}!! Where is this additional {$400.00} coming from and added to the {$1300.00}? Is that XXXX fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I have requested that Experian update my mailing address three times in writing and have made five or six phone calls to get this updated. Today, my credit file still doesn't show my current address with them in all their systems ; it doesn't show an address at all in some of their systems. It would seem that my request went into a blackhole, even though I provided them with a bill and my current driver 's license on XXXX different occasions. I requested an update in XXXX and XXXX in writing with supporting documentation. I filed a complaint about this issue on this site on XX/XX/year> and XX/XX/year>, but the issue wasn't addressed properly on this site, they gave their computer-generated initial response but no follow-up.

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 2025-03-11 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: CT

Complaint narrative:
I had fraudulent loans put into my name that damaged my credit. Experian said that I had to sign over 50 % of my patents to Equifax in order for them to fix my credit and said they only care about big companies as I am a XXXX. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX  and XXXX XXXX  Fix my credit immediately and block account or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XX/XX/year> lvnv funding llc XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX I hope this letter finds you well. I am writing to provide clarification regarding Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), which pertains to the reporting and use of consumer credit information. This section addresses a specific aspect of credit reporting as it relates to the accuracy and timeliness of reporting certain types of information. 
Overview of Section 605 ( b ) of the FCRA Section 605 ( b ) of the FCRA stipulates that a credit reporting agency ( CRA ) must not report certain information that is more than seven years old, such as adverse information about a consumer 's credit history. Specifically, it allows for the removal of bankruptcy filings and other negative information after a set period, ensuring that consumers are not penalized for past financial mistakes indefinitely.

However, Section 605 ( b ) also addresses the scenario where a consumer has disputed inaccurate information in their credit file. When a dispute is made regarding the accuracy of a reported item, the credit reporting agency must investigate the claim and report the findings to the consumer. If a correction or update is required based on the findings of the investigation, the consumers credit report must reflect these changes.

Key Provisions Under Section 605 ( b ) : 1. Adverse Information Removal : As mentioned, any adverse information, including bankruptcies, judgments, and collections, must not be reported after seven years from the date of the event ( e.g., the filing of bankruptcy or the delinquency date of a debt ).

2. Disputes and Corrections : If a consumer disputes the accuracy of a particular entry, the credit reporting agency must investigate and verify the disputed information. If the information is found to be incorrect, the report must be updated accordingly.

3. Notifications to Consumers : Credit reporting agencies are required to notify consumers when any negative information is removed or corrected on their credit reports. This ensures consumers are fully informed of the changes made to their files.

Importance of Section 605 ( b ) : This section plays a critical role in protecting consumers from the long-term consequences of outdated or inaccurate negative credit information. It ensures that consumers have a fair opportunity to rebuild their creditworthiness, while also holding credit reporting agencies accountable for maintaining accurate records.

If you have any further questions or would like additional information
on how Section 605 ( b ) might apply in a specific scenario, please do not hesitate to contact me. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am extremely frustrated with the ongoing errors on my credit report, which have severely impacted my financial stability and creditworthiness. These inaccuracies, including fraudulent accounts and transactions that I have never been associated with or benefited from, continue to harm my ability to move forward. Despite reporting this issue to the Federal Trade Commission, these items remain on my report, causing unnecessary stress and preventing me from achieving financial independence.

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 2025-03-11 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: FL

Complaint narrative:
Dear Equifax, I recently attempted to create an account with FICO but was unable to do so due to incorrect or outdated information on my credit file. I reviewed my credit report and found errors in my [ describe the incorrect information, of my name, and address I am requesting an immediate update to correct this information. Please find attached [ list supporting documents,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

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 explanation
Consumer complaint received 2025-03-11 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: TN

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 2025-03-11 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: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXXXXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX EMPLOYER - 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 2025-03-11 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: TX

Complaint narrative:
As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by your agencys inaction in addressing my ongoing disputes. 

This situation is further compounded by data security breaches, involving the XXXX XXXX XXXX, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), your agency is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. 

The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX XXXX XXXX : Balance : {$690.00} : Open Date : XXXX, XXXX Inquiries Are : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( 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 2025-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America denied me additional compensation for Edd debit card fraud frozen accounts unauthorized transactions there excuse is that the financial harm they caused me was not over XXXX dollars of the amount they already send me and it is thats the excuse they gave me so they can make a final decision and I cant do anything about it after there desicion is final thats an excuse there using so they dont have to pay for what they caused my family and I during the pandemic

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 2025-03-11 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: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX  - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-11 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: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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