vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Business Factors
State: NV

Complaint narrative:
This company is displaying medical debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: DE

Complaint narrative:
I pulled my credit report and there are incorrect names, addresses, phone number, employment, inquiries on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: WA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, a charge of {$950.00} was made from XXXX account. The charge was from XXXX in XXXX XXXX NY, and it was not authorized. I reported the charge to XXXX and was told, " We found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time. Contact us if you would like to request the information we used for our research. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, This is a formal notice regarding your failure to comply with my block and delete request under XXXX XXXX XXXX. The fraudulent accounts listed in my dispute remain on my credit report despite the four-business-day requirement mandated by law. 

If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

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
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Under the Fair Debt Collection Act, ( 15 USC 1692g ), The debt collector has failed to provide a validity of debt letter and is reporting inaccurate information on my credit report. This is a violation of the FDCPA and FCRA. I have not received any debt validation notices from this company as required. Despite this, this company has reported the alleged debt to one or more credit reporting agencies. As of today, I have decided to access my credit files and immediately became upset with what I saw. 

I do know that this is a serious violation of federal law, and I demand the immediate removal of this account from all credit reporting agencies until this company can provide a complete payment history, verification of the amount, proof of their legal right to collect this debt, proof of my validation of debt notice sent to me and proof that this belongs to me. 
I am also preserving my right to take legal action for damages if this isn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
Here is the completed CFPB complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To : XXXX, Equifax, XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am formally disputing the reporting of the following charged-off account. The information listed violates several Metro 2 data formatting requirements and provisions under the Fair Credit Reporting Act ( FCRA ). Based on the inaccurate, incomplete, and potentially misleading information being furnished, I am demanding that this account be deleted immediately from my credit report. 

Disputed Account Information : Creditor : XXXX XXXX XXXX XXXX  Account Number : Ending in XXXX Type : Credit Card / Revolving Account Status : CHARGE-OFF / TRANSFERRED OR SOLD Balance : {$0.00} Credit Limit XXXX {$300.00} Available Credit : {$300.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Transferred To XXXX XXXX XXXX XXXX XXXX XXXX Reporting Errors Identified : - Account listed as transferred/sold but still showing in active charge-off status - {$0.00} balance but still flagged as derogatory without context field ( Compliance Condition Code missing ) - Missing 'Date of Last Activity ' field - Missing accurate Consumer Information Indicator ( e.g., XXXX ' during dispute ) - No Activity Designator consistency between Transferred and Charged Off status - Failure to indicate XXXX balance post transfer in compliance with XXXX XXXX charge-off protocols Applicable Legal Violations : - FCRA 609 ( a ) : Right to receive verification including original signed documents - FCRA 611 ( a ) : Must delete any inaccurate or unverifiable information - FCRA 623 ( a ) ( 5 ) : Requires accurate Date of First Delinquency - FCRA 1681s-2 : Prohibits furnishers from reporting false or incomplete data knowingly Given the outlined violations and compliance failures, I request the immediate and permanent deletion of this account from all consumer reporting records. Please respond with written confirmation of deletion within the 30-day period required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
Here is the completed CFPB complaint : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To : XXXX XXXX, TransUnion Address XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am formally disputing the reporting of the following charged-off account. The information listed violates several Metro 2 data formatting requirements and provisions under the Fair Credit Reporting Act ( FCRA ). Based on the inaccurate, incomplete, and potentially misleading information being furnished, I am demanding that this account be deleted immediately from my credit report. 

Disputed Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Type : Credit Card / Revolving Account Status : CHARGE-OFF / TRANSFERRED OR SOLD Balance : {$0.00} Credit Limit XXXX {$300.00} Available Credit : {$300.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Transferred To : XXXX XXXX XXXXXXXX XXXX XXXX Reporting Errors Identified : - Account listed as transferred/sold but still showing in active charge-off status - {$0.00} balance but still flagged as derogatory without context field ( Compliance Condition Code missing ) - Missing 'Date of Last Activity ' field - Missing accurate Consumer Information Indicator ( e.g., XXXX ' during dispute ) - No Activity Designator consistency between Transferred and Charged Off status - Failure to indicate XXXX balance post transfer in compliance with XXXX XXXX charge-off protocols Applicable Legal Violations : - FCRA 609 ( a ) : Right to receive verification including original signed documents - FCRA 611 ( a ) : Must delete any inaccurate or unverifiable information - FCRA 623 ( a ) ( 5 ) : Requires accurate Date of First Delinquency - FCRA 1681s-2 : Prohibits furnishers from reporting false or incomplete data knowingly Given the outlined violations and compliance failures, I request the immediate and permanent deletion of this account from all consumer reporting records. Please respond with written confirmation of deletion within the 30-day period required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last 4 ) : XXXX Phone : 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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
XXXX & Kramer, this law group has violated my right 's under Wi. statue 's XXXX, they have a wage garnishment on my income, they have been sent, notified and recieved information and photo copies of XXXX issueance by Wisconsin as well as the usage of Social security 's Extra Help plan, these Attorney 's continue to use the wage garnishment to collect my income in violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account.

2 ) I Want to see the original wet signature i agreed to on the contract for this creditor.

3 ) Has there been any insurance claims on this debt?

4 ) I want the chain of title/ custody that you have to collect on this debt. 

If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you XXXX XXXX XXXX XXXX  absolutely none of this will be provided by the debt collector XXXX XXXX XXXX whatever they send you is false

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I recently reviewed my credit report and noticed fraudulent accounts i did not authorize hurting my ability to obtain credit, i need these accounts removed from my 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 non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter constitutes my final formal notice regarding the inaccurate late payment currently reported on my credit file and your agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple previous disputes, you have continued reporting this negative information without providing any supporting documentation to substantiate its accuracy. A generic verified response does not fulfill your legal obligation to conduct a reasonable reinvestigation under FCRA 1681i.

Additionally, your agency is in violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. Your ongoing failure to remove unverified data and refusal to provide original documentation amounts to willful noncompliance.

You are hereby given 30 days from the date of this letter to provide the following : Complete and original documentation from the creditor validating the alleged late payment ; A detailed account of your reinvestigation process, including verification sources ; Immediate deletion of the disputed item if it can not be fully verified with substantive and original evidence.

As further support, I refer you to recent enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ), including the XX/XX/year> lawsuit against Experian for mishandling consumer disputes and reporting inaccurate information. Your conduct mirrors the deficiencies cited in that case and reinforces my grounds for legal action. 
Bankruptcy XXXX XXXX Discharged reference 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 2025-05-28 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter serves as formal notice that I am initiating legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). A filed copy of the Complaint is enclosed and requires your immediate attention. 

Despite repeated notices and requests for reinvestigation under 15 U.S.C. 1681i and California Civil Code 1785.16, your agency has failed to comply, continuing to report inaccurate and unverified information that has harmed my credit.

Therefore, I demand the following : Immediate removal of the above fraudulent accounts from my credit report ; A detailed explanation of your reinvestigation process, including supporting documentation used to verify the debt ; Cessation of reporting any unverifiable or inaccurate information going forward. 
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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Albert Corporation
State: SD

Complaint narrative:
On XX/XX/year> Albert bank took {$240.00} + an additional {$20.00} in " fees '' for a instant cash advance that I was lead to believe during the advance process would only be {$75.00} plus {$4.00} transfer fee. I budgeted accordingly. To my surprise this significant transaction was taken from my chase bank account causing me to overdraft and put my balance at XXXX. This unexpected transaction is NOT what I agreed to when I took the {$75.00} advance nor did I agree to have that amount taken from my account. I advanced {$75.00} and was under the impression I was to pay back the {$75.00} and {$4.00} transfer fee. Had I known about the " alleged '' previous advances I would have NOT asked for another advance. I feel I was misled and that caused me to make a bad banking decision that led me to a significant financial strain. I've talked with customer support and have yet to receive an actual document showing detailed information. They only keep typing what they claim in an email. I've asked multiple times and even asked to speak with someone in management and was told I would basically be helped less. I currently am unable to pay for legal fees for a personal situation or be able to continue my phone service or even able to feed myself and get myself to and from work until my next payday in another 2 weeks. My paychecks was barely {$500.00} and they took the most. I've tried explaining and they have only offered to give me {$65.00} something for 3 months of a genius monthly fee I pay. They claim they are unable and refuse to refund me my money. I budgeted only for {$80.00} as I was not aware I had previous advances and was not informed before given another advance. I know I wouldn't have even done such a thing and if I remember correctly they don't let you take another advance until a previous one is satisfied. I feel I was misled by deception and their willingness to continue to advance me without notification of previous unpaid ones that I was set to fail as it seems they prey on vulnerable consumers who turn to them in the first place for financial help. I've learned they do the exact opposite.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX  XXXX BALANCE {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX BALANCED {$12.00} XXXX OF XXXX XXXX BALANCED {$23000.00} late payment of XXXX and XXXX  days XXXX XXXX XXXXXXXX XXXX BALANCED {$4600.00} late payment of XXXX and XXXX days XXXX XXXX XXXX XXXXXXXX BALANCED {$13000.00} late payment of XXXX and XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX  XXXX BALANCE {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX BALANCED {$12.00} XXXX OF XXXX XXXX BALANCED {$23000.00} late payment of XXXX and XXXX  days XXXX XXXX XXXXXXXX XXXX BALANCED {$4600.00} late payment of XXXX and XXXX days XXXX XXXX XXXX XXXXXXXX BALANCED {$13000.00} late payment of XXXX and XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> ''

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 2025-05-28 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief