vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: NM

Complaint narrative:
Its incredibly upsetting to see my credit report filled with false, incorrect, and inaccurate information. Ive worked hard and lived honestly, yet the reality Im facing is far from fair. As a consumer, I know I have rights and protections under the law, but its disheartening to feel like those rights are being ignored. The impact on my life and credit has been devastating. Im constantly denied credit applications, stuck in a cycle of financial struggle, and the stress is overwhelming. Im tired of living paycheck to paycheck while these damaging errors remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OK

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 2025-03-26 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
There XXXX party XXXX  is constantly contacting me during work hours. The representatives are not saying an account number they are going off my personal information. Called original debt company but I have to request in writing not to be contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to create my experian online account and it wouldn't let me, I called the number I was given to call and the automated system wouldn't transfer me and told me to go back to experian 's website. I went back to the website and then it told me to call the number again. This is so unacceptable, I just wanted to be able to see my experian credit report.

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 2025-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( XXXX  ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted. company : Transunion. Please delete the following accounts : XXXX XXXX balance {$1400.00} XXXX XXXX CRDIT balance : {$810.00} USD XXXX XXXX : {$5300.00} USD XXXX XXXX XXXX : {$1300.00} USD XXXX XXXX Balance : {$660.00} USD XXXX : Balance {$1600.00} USD XXXX XXXX XXXX In : Balance {$410.00} USD .XXXX  : Balance {$350.00} XXXX XXXX  : Balance {$200.00} USD XX/XX/XXXX: Balance {$200.00} USD

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
In XX/XX/year> we lost our XXXX XXXX  XXXX XXXX credit card ending in XXXX and it was re-issued in XX/XX/year> with card ending XXXX. When XXXX XXXX  XXXX XXXX merged the accounts they did not remove the information from XXXX from my credit report and when that happened it increased my usage by XXXX and added an additional 30 day late payment to my credit report too. 

I disputed this information to all three bureaus. XXXX and XXXX investigated and removed the incorrect information but Equifax did not and it remained on my report. I immediately disputed with Equifax again and they immediately sent a response saying it was investigated and was accurate, which is completely incorrect. 

Equifax needs to remove this account from my report like XXXX and XXXX. My wife and I are preparing to purchase a house so inaccurate information needs to be removed from this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent dispute letters to Trans Union and XXXX to update the balance of the XXXX XXXX XXXX XXXX  ( XXXX credit card ) accounts, I have called the banks and they inform me that they send the updates, but when I call Trans Union and XXXX they inform me that they do not receive this information, at the same time after 3 months of having submitted the disputes I have not obtained an update for these XXXX accounts which has harmed my 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 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I previously submitted a CFPB complaint on XX/XX/XXXX, regarding an alleged {$7100.00} debt from XXXX XXXX XXXX XXXX XXXX to collections by Fair Collections & Outsourcing ( XXXX ). I legally vacated the apartment due to a severe and persistent cockroach infestation, which was confirmed by the XXXX XXXX Department XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I provided written complaints to property management and submitted the XXXX report to XXXX, along with multiple dispute letters. XXXX never provided a signed lease, itemized charges, or ownership documentation to validate the debt. Following my dispute, the debt was removed from my XXXX credit report. Despite this, XXXX sent me a new collection letter dated XX/XX/XXXX, attempting to settle the debt for {$1300.00}. This continued collection effort, despite failed validation and the deletion from my credit file, constitutes harassment and a likely violation of the Fair Debt Collection Practices Act ( XXXX  ) and the California 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 2025-03-26 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 declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX XXXX XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-26 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

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

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 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX and made a purchase of {$240.00}. When checking out, the cashier stated that if i would apply for a credit card, i would get XXXX % off, which equated to between $ XXXX {$100.00} off of the purchase. I usually decline because i don't particularly care for hits on my XXXX XXXX. At this time, i accepted knowing that my XXXX XXXX is in the mid XXXX 's and that i would surely get approved. The cashier then states that i was declined so i wouldn't get the discount and that XXXX XXXX would review it and likely send me an approved card or a denial. Shocked, I thought well something isn't right. After I left and went met with friends and family, they too said the same thing happened to them and we all collectively felt like this was a way to get people to apply without giving them their discounts. Sure enough, within a week, i received the XXXX XXXX card with a {$9000.00} credit limit. I'm certainly thinking about a class action lawsuit that should be filed. They are getting away with this and this is false advertisement and a scam.

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase on XX/XX/year>, through XXXX website while using the Capital One XXXX extension, which was activated at the time of checkout. According to the extension, I was eligible for 10.5 % cashback on home appliances. 

Despite following all the required steps, my cashback was not tracked. I provided proof of purchase and a screenshot showing the activated extension and advertised cashback rate, but Capital One XXXX denied my request for a manual adjustment. Their response claimed I left the tab before completing the purchase, which is false. I completed the transaction in the same session, and their system failed to track my cashback properly. 

Capital One XXXX 's Terms of Service state they have the right to deny rewards at their discretion, but this practice feels unfair and deceptive. They advertised cashback, I met the conditions, and they are now refusing to honor it without valid justification. 

I request CFPB to investigate this issue and ensure that Capital One XXXX fairly upholds their cashback policies for customers who follow the correct procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
I've been dealing with a serious identity theft situation since XX/XX/2024. After discovering multiple suspicious items on my credit report, I found evidence of over 30 data breaches and five pastes containing my personal information ( SSN, addresses, etc. ) on the dark web. 

I sent certified documentation to all three credit bureaus ( Experian, Equifax, and TransUnion ), but they've been extremely difficult to work with. Despite having proof of delivery, they keep denying my disputes, possibly violating the Fair Credit Reporting Act by demanding bank confirmation of fraud before investigating. 

To make matters worse, someone just drained my XXXX card, forcing me to file an affidavit with XXXX. I also just learned about three more data breaches, including a major one on XXXX. This whole situation is incredibly frustrating and scary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
I've been dealing with a serious identity theft situation since XX/XX/2024. After discovering multiple suspicious items on my credit report, I found evidence of over 30 data breaches and five pastes containing my personal information ( SSN, addresses, etc. ) on the dark web. 

I sent certified documentation to all three credit bureaus ( Experian, Equifax, and TransUnion ), but they've been extremely difficult to work with. Despite having proof of delivery, they keep denying my disputes, possibly violating the Fair Credit Reporting Act by demanding bank confirmation of fraud before investigating. 

To make matters worse, someone just drained my XXXX card, forcing me to file an affidavit with XXXX. I also just learned about three more data breaches, including a major one on XXXX. This whole situation is incredibly frustrating and scary.

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 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate medical debt that PlusFour has reported on my credit file. Despite multiple attempts to resolve this matter, PlusFour has failed to remove the erroneous information. As this debt does not belong to me, its continued presence on my credit report constitutes an ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, you are legally require
d to conduct a reasonable investigation into disputed items and to delete any information that can not be verified as accurate. I hereby demand that PlusFour immediately remove this medical debt from my credit report and cease all reporting of this account to credit bureaus. 

Please provide written confirmation of the removal within 15 days of receiving this letter. If this issue is not resolved promptly, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to pursue legal action to enforce my rights under the FCRA. 

Attached are copies of relevant documentation supporting my dispute. Please consider this letter a formal request for PlusFour to comply with federal regulations and correct my credit report without further delay. 

Sincerely, 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