vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FACTUAL DATA Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX FACTUAL DATA Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX # XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am formally disputing a collection account listed under XXXX XXXX XXXX for an alleged debt originally from XXXX XXXX XXXX XXXX ( Account ending in XXXX, assigned on XX/XX/year>, for {$1600.00} ). I do not recognize this account and have requested validation, but XXXX XXXX XXXX has failed to provide sufficient documentation proving that this debt is valid and that I am legally responsible for it. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a collection agency must provide proper validation upon request and can not report unverified debts. Therefore, I request that this item be immediately removed from my credit report as it is unverified and being reported in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase wrongfully took funds from our account when a customer of our company advised Chase to do a chargeback and Chase failed to properly investigate the nature of the wrogful chargeback. Chase then took {$140.00} from our account even though we provided proof to Chase that the chargeback was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Turnbull Law Group
State: VA

Complaint narrative:
I enrolled in a debt relief program through Freedom Financial Network in XX/XX/year>. As part of the program, XXXX XXXX XXXX was assigned to handle legal matters related to any debts included in the program. I have contributed over {$32000.00} into the program. 

Recently, ( Early XXXX ) I was served with a warrant in debt from a creditor included in the program ( XXXX ). Despite reaching out to XXXX XXXX XXXX for over a month via phone and email, I received no legal support. I made multiple calls to client services and was repeatedly told different timelines ( 2448 hours, then 35 business days ). Each time I was told my request had been escalated, but I never received help. Eventually, I was given an email address for the assigned attorney, who never responded until I filed complaints with the XXXX XXXX XXXX and the XXXX XXXX XXXX. Only then did she respond, stating she was resigning and overwhelmed with workload, after ignoring my emails for over a month. 

This same creditor had previously offered a settlement through the program, and I had already been charged attorney/legal settlement fees related to that. The settlement fell through due to slow deposit clearance, not my unwillingness to settle. Now Im being sued, and Ive been told I need to attend court with no legal help and ask for a continuance myself. This is unacceptable and completely defeats the purpose of the program. 

Despite paying into this program for nearly two years, including fees for legal services, Im now left unrepresented while being sued. I have consulted outside counsel and filed complaints, but I am demanding accountability from both XXXX and Freedom Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Credit karma gives consumers false leads on refinancing car loans. Karma promotes lower interest rates, for example karma would offer XXXX but when you talk to a borrowers, they offer you XXXX nowhere near what karma has offered. At the same time placing a hard inquiry on my credit report. 
Its frustrating and its a waste of out time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not apply for any credit, nor did I authorize anyone to run a credit check on my behalf. These inquiries are completely illegitimate, and their presence on my credit report is both inaccurate and unacceptable.

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 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
In XX/XX/year> my roommate XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was current on rent. XX/XX/year> I mediated to avoid eviction when the landlord refused assistance from a local non-profit agency offering to pay the rent for XX/XX/year> and XX/XX/year>, as is their right. However, because my roommate was not a relation or romantic partner XXXX XXXX XXXX stated my agreement did not apply to him and that I should leave his belongings in the apartment, as the landlord would now have to evict him. 

Instead of evicting him, the landlord chose to remove his belongings and bill me the final amount. When I disputed this with them in XX/XX/year> they then sent it to a debt collector. 

I sent the debt collector the recording from the hearing, as I've been unable to have a transcript typed by the court clerks, and they haven't responded except to the credit reporting agencies when I dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Unknown - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
.These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX * * * * Balance : {$760.00}, XXXX XXXX XXXX * * * * Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX M XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-17 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: PA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im beyond frustrated that I have to dispute this issue again. The accountsXXXX XXXXXXXX ( # XXXX XXXX XXXX XXXX XXXX  ) and XXXXXXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX ) were previously deleted after being deemed unverifiable and were no longer showing on my XX/XX/year> XXXX  report. They were also not appearing on XXXX XXXX. However, in late XX/XX/year>, I pulled a new XXXX report and was shocked to see both accounts had reappeared under the Equifax section. I filed a CFPB complaint, and on XX/XX/year>, Equifax responded stating the XXXXXXXX XXXX account had been deleted. But when I pulled my updated report the next day, on XX/XX/XXXX, the account was still thereproving that no real action was taken and the issue remains unresolved. What makes this even more infuriating is that on XX/XX/year>, I received a response from Equifax confirming that this account was already deleted. Then again on XX/XX/XXXX, they confirmed it was not currently reporting on my Equifax file. Despite this, it suddenly reappeared by the end of the same month, without any explanation or certification of accuracy, and without any notice to me as required by law. This shows a blatant reinsertion without proper reinvestigation or noticeclear violations of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681e ( b ). It also highlights Equifaxs failure to maintain consistency and accuracy between its internal data and third-party monitoring systems. I am demanding permanent deletion of these accounts and full compliance with federal law. This ongoing pattern of removals and reappearances is deceptive, harmful, and unlawful. These accounts must not be reinserted again without full legal compliance and written notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I funded an account at US Bank ending in XXXX with an external investment account ending in XXXX on XX/XX/year> for {$1500.00}. This account has been utilized 20 or more times in the past to fund the US Bank account. The bank teller, XXXX XXXX, gave me a Notice of Hold stating the funds would not be available until XX/XX/year>. XXXX had no idea why. I phoned US Bank on XX/XX/year>, spoke to a representative and she told me the same thing, but did not know why. I did not get that representatives name. I spoke to XXXX today at US Bank and she said the hold was due to a {$1400.00} bounced check from investment checking account ending in XXXX that I wrote to US Bank on XX/XX/year>. This is true. As I am a XXXX, I was called to NY XXXX XXXX XXXX to tend to my XXXX XXXX XXXXXXXX Mom. In my hurry to leave on XX/XX/year>, I wrotre the {$1400.00} prior to the funds becoming available at the investment firm. This was my mistake and I will take responsibility. The reason for the complaint is due to the following, as explained by XXXX : The {$1500.00} check in question was presented to US Bank on XX/XX/year> by me. The investment firm released the {$1500.00} to US Bank on XX/XX/year>. If the {$1500.00} was released and US Bank has it, as explained by XXXX, why will the funds not be available until XX/XX/year>? According to XXXX there will not be any interest given on the {$1500.00}. The money will be in the hands of US Bank for 7 days and will for sure be invested. I realize US Bank is punishing me for my mistake, however, it is unfair for US Bank to have the money in hand and not release it.

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 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$2100.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation