vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: AL

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 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 2025-05-20 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: WA

Complaint narrative:
I am formally requesting the permanent removal of the following closed account ( s ) from my credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate, fair, and fully verifiable reporting of consumer credit information. Account Details : XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681i ( a ), I am initiating a dispute and formally requesting a reinvestigation of the accuracy and relevance of this closed account. If you are unable to verify the accuracy of this information within 30 days, you are required by 1681i ( a ) ( 5 ) ( A ) to delete it from my credit file. Furthermore, under 1681e ( b ), you are obligated to ensure that only accurate, relevant, and verifiable information is maintained on consumer reports. Retaining old, derogatory, or closed accounts that no longer serve a purpose beyond creditworthiness evaluation violates this provision. Additionally, per 1681c ( a ) ( 4 ) and ( 5 ), outdated adverse information must not be reported beyond certain limits, especially if it no longer reflects my current financial behavior. Continuing to report this closed account undermines my right to a fair credit profile. If the original creditor can not or does not verify the information and provide evidence of its continued relevance, you are required to remove the entry completely. I do not consent to the continued reporting of inaccurate or unverifiable data. Please complete your investigation and send me written confirmation of the deletion within the required 30-day period. If you choose not to delete, I expect a detailed explanation of your verification process, the name and contact of the verifying party, and a legal justification for continued reporting. Thank you in advance for your cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am formally requesting the permanent removal of the following closed account ( s ) from my credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate, fair, and fully verifiable reporting of consumer credit information. Account Details : XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681i ( a ), I am initiating a dispute and formally requesting a reinvestigation of the accuracy and relevance of this closed account. If you are unable to verify the accuracy of this information within 30 days, you are required by 1681i ( a ) ( 5 ) ( A ) to delete it from my credit file. Furthermore, under 1681e ( b ), you are obligated to ensure that only accurate, relevant, and verifiable information is maintained on consumer reports. Retaining old, derogatory, or closed accounts that no longer serve a purpose beyond creditworthiness evaluation violates this provision. Additionally, per 1681c ( a ) ( 4 ) and ( 5 ), outdated adverse information must not be reported beyond certain limits, especially if it no longer reflects my current financial behavior. Continuing to report this closed account undermines my right to a fair credit profile. If the original creditor can not or does not verify the information and provide evidence of its continued relevance, you are required to remove the entry completely. I do not consent to the continued reporting of inaccurate or unverifiable data. Please complete your investigation and send me written confirmation of the deletion within the required 30-day period. If you choose not to delete, I expect a detailed explanation of your verification process, the name and contact of the verifying party, and a legal justification for continued reporting. Thank you in advance for your cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint againstXXXX XXXX XXXX  regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$2100.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hello, My complaint is regarding the release of my remaining funds in my XXXX business account. 

My XXXX XXXX  account with Chase bank was closed on XX/XX/year>. My XXXX  is registered in Wyoming as a foreign owned disregarded entity. They closed my account based on the reason that they were unable to link me ( owner ) to the XXXX After closing of my account they are refusing to release the remaining funds ( {$2400.00} ) present in my account due to the same reason that they are unable to link me to the XXXX. After speaking with them, they said they need my name to appear on the Wyoming secretary website. I've already amended the articles and added myself as the owner which can be seen in the history tab on the Wyoming website. However, they are refusing to accept that document and require that my name should appear on the front page record which is not possible as the Wyoming state doesn't allow the owner name to be appeared on the front page record. 
I've also provided them with the XXXX XXXX form which clearly states my name but they refused that document also. 
I'm attaching all the evidence that shows my XXXX of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

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 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 2025-05-20 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/year> Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX * * * Balance : {$720.00} XXXX XXXX XXXX * * * Balance : {$700.00} XXXX  XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AL

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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Continuing to report late payments for XXXX XXXX XXXX, XXXX XXXX XXXX, and First Premier credit card that have been charged off, I received XXXX ( XXXX ) for the accounts therefore the charge off is allowed to be reported but the continuing of reporting of the late payments is not. 
There are XXXX XXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX accounts that are reporting late payments and derogatory information and all 3 accounts are illegally trying to collect on charged off accounts that I received 1099C ( s ) for, therefore those accounts should not be reporting on my credit report. Especially when the original creditor who charged off the accounts are not being reported.

The following U.S. Codes apply to these erroneous reports on my credit report and my rights are being violated as such.

1. 15 U.S. Code 1692e & 1692f Under the FDCPA, it is illegal for a debt collector to use : - False, deceptive, or misleading representation ( e.g., attempting to collect a debt that has been canceled and reported as such ). 
-Unfair or unconscionable means to collect or attempt to collect any debt. 

Since the debt has been truly forgiven ( as implied by a 1099-C ), attempting to collect or continuing to report new delinquency is a violation of FDCPA.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 - Credit furnishers must report accurate and complete information.

- If a company continues to report new missed payments after issuing a 1099-C ( implying the debt is no longer owed ), it may be inaccurate reporting.

This is a violation of the FCRA, especially if the account is showing as charged-off but still showing new delinquencies after cancellation.

Not too mention in XXXX XXXX XXXX XXXX XXXX Though it is not a consumer law statute, general contract law and estoppel applies as well. 
If the creditor cancels the debt and tells the IRS ( via XXXX ) that its no longer enforceable, they can be estopped ( legally barred ) from trying to collect.

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 2025-05-20 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: OH

Complaint narrative:
Continuing to report late payments for XXXX XXXX XXXX, XXXX XXXX XXXX, and First Premier credit card that have been charged off, I received XXXX ( XXXX ) for the accounts therefore the charge off is allowed to be reported but the continuing of reporting of the late payments is not. 
There are XXXX XXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX accounts that are reporting late payments and derogatory information and all 3 accounts are illegally trying to collect on charged off accounts that I received 1099C ( s ) for, therefore those accounts should not be reporting on my credit report. Especially when the original creditor who charged off the accounts are not being reported.

The following U.S. Codes apply to these erroneous reports on my credit report and my rights are being violated as such.

1. 15 U.S. Code 1692e & 1692f Under the FDCPA, it is illegal for a debt collector to use : - False, deceptive, or misleading representation ( e.g., attempting to collect a debt that has been canceled and reported as such ). 
-Unfair or unconscionable means to collect or attempt to collect any debt. 

Since the debt has been truly forgiven ( as implied by a 1099-C ), attempting to collect or continuing to report new delinquency is a violation of FDCPA.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 - Credit furnishers must report accurate and complete information.

- If a company continues to report new missed payments after issuing a 1099-C ( implying the debt is no longer owed ), it may be inaccurate reporting.

This is a violation of the FCRA, especially if the account is showing as charged-off but still showing new delinquencies after cancellation.

Not too mention in XXXX XXXX XXXX XXXX XXXX Though it is not a consumer law statute, general contract law and estoppel applies as well. 
If the creditor cancels the debt and tells the IRS ( via XXXX ) that its no longer enforceable, they can be estopped ( legally barred ) from trying to collect.

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 2025-05-20 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: NY

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 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I received a notice from Bank of America informing me that all of my accounts would be closed effective XX/XX/year>. The letter stated that this decision was made without the need to provide any explanation and that any remaining funds would be returned to me XXXX XXXX. 

I was very surprised by this action. I have always handled my accounts responsibly I paid off my credit obligations, had no overdrafts or delinquencies, and followed all bank rules. When I asked for a reason, I was told that no explanation would be provided and that I could no longer bank with them. 

This has caused financial disruption and confusion, and I believe the decision was unfair and not based on any misconduct on my part. 

I also want to note that I no longer have a copy of the letter I received from Bank of America, and when I checked my online account, all of my statements and documents had been removed. I am therefore unable to upload any supporting files with this complaint.

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