vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a false charge of ( {$750.00} ) and ( {$430.00} ) from US Department of Education listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXXne of the four major credit reporting agencies. I recently disputed a false charge of ( {$750.00} ) and ( {$430.00} ) from US Department of Education listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Account was settled multiple times with my negotiable instruments!!! 

First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the 21st Century Act, aka Check 21 system, which has caused me Injury and Damages ; Second Cause of Action ; Acquiescence/Nonresponse to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT 1881, 1988, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of 2002, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve Act of 1913, The Federal Reserve Banking Act of 1933, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure , By Not Following House Joint Resolution 192- PUBLIC LAW 73-10, which has caused me Injury and Damages ; With Cause of Action : Acquiescence/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX XXXX XXXXXXXX routing and account number, which has caused me Injury and Damages ; Sixth Cause of Action : Acquiescence/Nonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action : Acquiescence/Nonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e . my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello and good day! I am deeply concerned about the erroneous information appearing on my credit report. This situation is incredibly troubling, as these inaccuracies are jeopardizing my financial freedom and hindering my ability to make progress toward my goals. My credit applications are being rejected because of these errors, causing me significant stress and frustration.

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 2025-01-13 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 filing this complaint regarding the inaccurate reporting of two student loan accounts by XXXX and TransUnion. Despite my request for verification, neither bureau has provided documentation to substantiate their claims, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : US DEPT ED ( Account Number : XXXX ) ** with a reported balance of {$23000.00}. 
US DEPT ED ( Account Number : XXXX ) ** with a reported balance of {$12000.00}. 
Both accounts are being erroneously reported as open and carrying balances, despite documentation I have attached showing a {$0.00} balance for both. Additionally, you are falsely reporting that these accounts were in collections, which is untrue. This inaccurate reporting is harmful and illegal. 

I am demanding that these accounts be immediately updated to reflect the correct status : paid as agreed, never late, and with a {$0.00} balance. XXXX has already removed this inaccurate information due to a pending lawsuit, and XXXX is also under fire in a separate CFPB lawsuit for failing to properly investigate or remove errors from consumer reports. 

If XXXX and TransUnion fail to update this information within 30 days, I will pursue legal action for noncompliance with federal law. I have attached supporting documents that clearly show the inaccuracies and proof of the correct account balances.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
It is about a Bank Of America Credit card fraud. Someone use my " card '' to make multiple purchases from a XXXX in XX/XX/year> and meanwhile this card is only being used for online payments and the physical card is actually never left the house. Submitted a claim in XXXX and got below final closure on XX/XX/XXXX after review. 

The most of the claimed amounts were rejected for the disputation claim which is unacceptable as those were absolutely not made by me and have no idea about why the closure letter is saying " wasn't an error ''. What kind of " error '' does the bank look for? 

The claim closed with below text : Were happy to tell you that your account was credited a total of {$10.00}. You dont have to do anything on your end youll see the adjustment ( s ) on your monthly statement.

Unfortunately, we determined there wasnt an error on the following transaction ( s ) totaling {$260.00}. 
DATE TRANSACTION DESCRIPTION AMOUNT XX/XX/year> XXXX XXXX {$15.00} XX/XX/year> XXXX XXXX {$8.00} XX/XX/year> XXXX XXXX {$9.00} XX/XX/year> XXXX XXXX {$88.00} XX/XX/year> XXXX XXXX {$8.00} XX/XX/year> XXXX XXXX {$17.00} XX/XX/year> XXXX XXXX {$29.00} XX/XX/year> XXXX XXXX {$4.00} XX/XX/year> XXXX XXXX {$35.00} XX/XX/year> XXXX XXXX {$17.00} XX/XX/year> XXXX XXXX {$24.00} XX/XX/year> XXXX XXXX {$1.00} XX/XX/year> XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: ND

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 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 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 non-monetary relief
Consumer complaint received 2025-01-13 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: MN

Complaint narrative:
On XX/XX/year> I disputed an incorrect address on my credit report with Equifax again. 
The First time was XX/XX/year> this most recent time was in XX/XX/year> I persistently keep disputing this incorrect addresses because it does not belong to me and and Equifax refuses to remove it despite my numerous efforts of sending proof that the address reporting does not belong to me. They have refuse to correctly report my current address. I have sent proof of all verifying information requested of me such as : Driver License and Proof of Pay stub verifying that the address is not associated with me nor does it belong to me and they refuse to remove it. Equifax has ignored the evidence I have provided to them twice Once in XX/XX/year> and again in XX/XX/year>, They have also failed to investigate the accuracy of this address This deliberately goes against FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I am filing a formal complaint regarding XXXX unauthorized hard inquiries that have been reported on my credit file. These inquiries were made without my knowledge, consent, or any valid contractual agreement, and they violate my consumer rights under federal law. XXXX has had multiple issues with breachs and I need it fixed so I can move on with opportunities that were taken from me.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, hard inquiries may only be made with my written authorization. I have not provided consent for these inquiries, nor have I entered into any agreements with the entities responsible. As such, these inquiries are in violation of the FCRA, which mandates that only authorized and accurate information be reported on my credit file ( 15 U.S.C. 1681e ( b ). 

Moreover, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), these unauthorized inquiries constitute a privacy violation, as they were made without my express permission and without a valid contractual relationship. The inclusion of these unauthorized and incorrect inquiries has caused significant harm, damaging my creditworthiness and denying me financial opportunities. The emotional and mental distress caused by this situation has been profound, as I have lost trust in the companies that acted as fiduciaries but failed to uphold their duty to act in good faith.

I request immediate investigation and removal of these erroneous hard inquiries from my credit report, as they are unlawful, inaccurate, and detrimental to my financial well-being. These inquiries must be removed to ensure the accuracy of my credit report, as required under the FCRA and related consumer protection laws.

I look forward to your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation