vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
I had an account that went into collection on a condo I never actually lived in. I backed out of the lease and paid the landlord the agreed upon fees to do so. Unfortunately the condo 's utilities were never taken out of my name. I was unaware that I had utilities due on my name for several months and the account went into collections. While going to refinance my mortgage I was notified of this account. 

I quickly called the collections agency to resolve the issue and they agreed to request to the 3 credit bureau 's that this account be removed from my credit report. Quickly it was removed from my XXXX account and it was subsequently removed from my XXXX account after I filed a dispute with them. 

I also filed a dispute with Equifax who rejected my dispute and stated they verified that the amount they had listed that I owed to XXXX XXXX ( collections agency ) was indeed correct. I filed another dispute detailing this is not true. I called XXXX XXXX ensuring they did sent in the information requesting to all 3 bureau 's and they confirmed they did. Their representative also bluntly stated Equifax is the one that always gives consumers issues. 

I called Equifax and they requested a document stating the payoff happened be physically mailed to a XXXX XXXX XXXX I followed their instructions. After about 2 weeks I called Equifax again asking if they received the document and if there was any updates. Their representative told me they had not received the document. 

I asked them what their process was for investigating my dispute and I did not receive a solid answer, instead I was given the run around with no concrete information being given to me. I also informed them that they have the wrong address and phone number for XXXX XXXX listed on my credit report, and since that's the case, did they even investigate my initial dispute. XXXX XXXX is located in XXXX Michigan with an area code of XXXX, however on Equifax it is listed as being located in XXXX XXXX with an area code of XXXX. Again, I was not given a direct response and was told that they have not received any documents from me or XXXX XXXX that my account was paid off. My discussion with the representative ended when he stopped responding to my questions. 

I have attached the email I received back in XXXXXXXX XXXX XXXX stating my account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: 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 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 2025-03-20 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( XXXX  ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX XXXX. XXXX ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA XXXX XXXX ( a ) ( XXXX ), I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX BANK XXXX - XXXX : {$3200.00} - Account # : XXXX XXXX XXXX  XXXX XXXX - XXXX : {$2800.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$750.00} - Account # : Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( XXXX  ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX XXXX. XXXX ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA XXXX XXXX ( a ) ( XXXX ), I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX BANK XXXX - XXXX : {$3200.00} - Account # : XXXX XXXX XXXX  XXXX XXXX - XXXX : {$2800.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$750.00} - Account # : Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-20 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: LEXISNEXIS
State: NJ

Complaint narrative:
I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AZ

Complaint narrative:
I DID NOT authorize this inquiry, nor did I initiate any transaction, application, or credit request with this company. As you are aware, under the FCRA, a company must have PERMISSIBLE PURPOSE to access my credit report. Since no such authorization was given, this inquiry is fraudulent and must be IMMEDIATELY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CT

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Collection ( 3 Bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-20 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MS

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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 recently contacted the credit bureau in reference to fraudulent items being reported on my credit report, accounts and addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently contacted the credit bureau in reference to fraudulent items being reported on my credit report, accounts and addressed.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint against Equifax, TransUnion, and Experian regarding their handling of my credit dispute. I previously submitted a dispute requesting the removal of inaccurate collection accounts and the original creditor accounts that sold my information to debt collectors.

One or more of these credit bureaus has now requested two forms of identification before proceeding with my dispute, despite my initial submission containing sufficient identifying information. I believe this is an unnecessary barrier to the dispute process and may violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation of disputed information. 

Additionally, I am concerned that the original creditors improperly sold or transferred my debt, resulting in unfair credit reporting. I request CFPBs assistance to ensure : Equifax, TransUnion, and Experian promptly investigate and remove inaccurate or improperly reported accounts. 
The original creditors are held accountable for any unlawful transfer or sale of my debt information. 
That I am not subjected to unnecessary delays or obstacles in resolving my dispute. 
I have attached supporting documents, including my initial dispute letter and responses received from the credit bureaus. Please advise on the next steps to ensure compliance with FCRA and proper handling of my credit file. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-20 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ) .Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). 
o Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ).

6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

7. Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.8. o I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts.Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail.Thank you for your immediate attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: VA

Complaint narrative:
I been trying to work with this company since XX/XX/year> to get a settlement debt and lower my payments. I could not afford to continue to make the {$2000.00}. As my salary was reduce and I could no longer afford to make those payments. Now I am now able to make the payment at all for couple months. XXXX XXXX XXXX XXXX ) I ask them to remove my ex husband from the account as, I took this loan out with my son, who has the same name. I need to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am unable to get secured credit card or in secured credit cards and Im unable to open checking accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Freedom Group, LLC
State: SD

Complaint narrative:
DebtBlue has violated and failed to perform contract promised duties to protect client 's best interests from inception of contract. Charged performance fees in excess of agreed contract amount from the start while paying themselves first and their affiliate 's before paying the creditorsXXXX Fake and altered documents supplied by your representatives without informing me to my creditors, while making me think they were paid off. Documents being altered from month to month with no justification as to why. Allowed the accounts to increase in fees before attempting to settle so you could attempt to collect more fees. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, When items were brought to your attention, I was continually denied the requests and or told we do not have/or deal with those issues, but by not implementing any follow thru for your clients, we are Denied, Refused or Charged an Extremely high rate for health ins, mortgage rates, car loans, app fees, rental fees etc. XXXX allowed to run credit checks for car loans without my consent or knowledge, XX/XX/XXXX. XXXX and or employees allowed to rent XXXX XXXX in my name without my consent or knowledge and one can only conclude that Identity Theft with intent to commit more criminal acts is or was on the horizon. These are most assuredly unfair and deceptive practices while putting XXXXXXXX XXXX XXXXs that are on Social Security XXXX that were counting on your supposed expertise to help and not add undue stress to a person 's wellbeing.

Company response to consumer: Closed with explanation