vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverifiable information on my credit report. Despite my formal dispute letters sent via certified mail, these credit bureaus have failed to remove inaccurate or unverified accounts as required under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ]. 

The following accounts are inaccurately or improperly listed on my credit report : XXXX XXXXXX/XX/XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX Extra Account Number : XXXX XXXX XXXXXX/XX/XXXX Account XXXX : XXXX XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Numbers : XXXX, XXXX XXXX XXXXXX/XX/XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX I formally requested that these credit bureaus provide verification of these accounts, including signed contractual agreements as required under FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ]. However, they have either failed to respond within the legally required timeframe or have not provided sufficient documentation to verify these debts.

Additionally, under FCRA 605B ( c ) ( 2 ) [ 15 U.S.C. 1681c-2 ], if an item can not be verified, it must be permanently deleted. These credit bureaus are violating federal law by continuing to report this information, causing me financial harm, including denied credit opportunities and negative impacts on my credit score.

Resolution Sought : I request that the CFPB take immediate action to enforce compliance with the FCRA and require Equifax, Experian, and TransUnion to : 1. Permanently delete the disputed accounts from my credit reports.

2. Provide written confirmation that these accounts have been removed.

3. Cease reporting any unverifiable or inaccurate information related to these accounts.

4. Investigate the credit bureaus failure to comply with federal law.

If these credit bureaus do not comply, I request that the CFPB take appropriate regulatory and legal action against them to prevent further consumer harm.

Please provide me with a written response detailing the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Theres a lot of hard inquiries from online loans and credit cards I do not possess. I am aware that experience had a data breach a while back, and I was informed that my information was exposed during this date of breach XXXX  also had a date of breach in which I was also informed that my information was exposed. My Credit Report is different with all three bureaus with an inaccurate information

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Theres a lot of hard inquiries from online loans and credit cards I do not possess. I am aware that experience had a data breach a while back, and I was informed that my information was exposed during this date of breach XXXX  also had a date of breach in which I was also informed that my information was exposed. My Credit Report is different with all three bureaus with an inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXcredit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan, credit accounts and a number of other items that are not mine! I will list them here, ; XXXX  XXXX ( XXXX ) accounts. XXXX  ( XXXX ) accounts. XXXX ( XXXX ) accounts. XXXX ( XXXX ) accounts. XXXX ( XXXX ) account. XXXXXXXX XXXX XXXX ( XXXX ) accounts. XXXX account. XXXXXXXX XXXX XXXXXXXX acct. XXXXXXXX XXXX aact # XXXXXXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  act # XXXX. XXXX XXXX ( XXXX ) accounts. XXXX act # XXXX. XXXX XXXX act # XXXX. XXXX ( XXXX ) accounts. DEPTEDXXXX act # XXXXXXXX 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. these accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me.allthese accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.jh

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXcredit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan, credit accounts and a number of other items that are not mine! I will list them here, ; XXXX  XXXX ( XXXX ) accounts. XXXX  ( XXXX ) accounts. XXXX ( XXXX ) accounts. XXXX ( XXXX ) accounts. XXXX ( XXXX ) account. XXXXXXXX XXXX XXXX ( XXXX ) accounts. XXXX account. XXXXXXXX XXXX XXXXXXXX acct. XXXXXXXX XXXX aact # XXXXXXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  act # XXXX. XXXX XXXX ( XXXX ) accounts. XXXX act # XXXX. XXXX XXXX act # XXXX. XXXX ( XXXX ) accounts. DEPTEDXXXX act # XXXXXXXX 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. these accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me.allthese accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.jh

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Repeatedly calling, calling family members and discussing debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I urge the immediate deletion of fraudulent information from my credit file. This erroneous data, resulting from fraud, should have been removed already but remains unjustly listed. Under FCRA Section 605, you are obligated to correct and eliminate any inaccurate records. I have previously provided the required supporting documents and am resubmitting them for your review. My attorney has been informed and is prepared to take legal action if this issue is not promptly addressed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

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 XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and 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 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The issue Im facing is that they are not responding to me, and whenever I reach out to request a review for inaccuracies, they mistakenly identify me as someone elsedespite me providing all of my personal documents.

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), all information must be properly validated and reported with 100 % accuracy. However, this is not being upheld in my case.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue Im facing is that they are not responding to me, and whenever I reach out to request a review for inaccuracies, they mistakenly identify me as someone elsedespite me providing all of my personal documents.

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), all information must be properly validated and reported with 100 % accuracy. However, this is not being upheld in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I reached out to American Express in XXXX due to financial hardship and was offered a financial relief program with an APR of 9.99 % for XXXX years. At the time, I trusted that this was the best option available. 

Recently, I spoke with XXXX XXXX XXXX XXXX ( XXXX ) and discovered that they offer a significantly better relief program with an APR of up to 2.99 %. This means I could have saved a substantial amount in interest had I been informed of this option earlier. 

When I contacted Amex again to request switching to the lower-rate program, they refused to make any changes to my current plan. I have always been a responsible customer, never missed a payment, and reached out in good faith to find a solution that allowed me to pay off my debt. 

I am frustrated that Amex did not inform me about XXXX  lower-rate program when I initially sought help. Additionally, I do not understand why Amex offers better terms through XXXX but not directly to customers who reach out for financial relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: WI

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, WI XXXX [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Charge-Off Reporting Dear [ " To Whom It May Concern '' ], I am writing to formally dispute the charge-off status of my account, [ XXXX ] as it appears on my credit report. I believe that this account should not be reporting an amount due. As per my records, the account was charged off on [ XX/XX/XXXX ], and I have made reasonable efforts to settle or negotiate this debt prior to this designation. According to the Fair Credit Reporting Act, a charge-off indicates that the creditor has given up on collecting the debt, which may mean that the reported balance should not reflect an amount due from me. I kindly request that you review my account and update your records accordingly to reflect that there is no amount due. Additionally, I would appreciate a confirmation of your findings and any adjustments made to my credit report. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Service LLC , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) .A charge off account opened at XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number ( XXXX ). Another charge off account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). Another charge off account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). A Charge off account opened at XXXX on XX/XX/XXXX on under the account number ( XXXX ) .These accounts have resulted in several fraudulent Charge Offs and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or Charge Offs as reported. The aforementioned accounts, collections, and Charge Offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and Charge Offs are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Theres a lot of hard inquiries from online loans and credit cards I do not possess. I am aware that experience had a data breach a while back, and I was informed that my information was exposed during this date of breach XXXX  also had a date of breach in which I was also informed that my information was exposed. My Credit Report is different with all three bureaus with an inaccurate information

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
I am a Military WIFE, who has XXXX. REVVI CARD threaten to have jailed if I did not settle the bill I have been told they would come find me at my home work if I did not pay off my collections debt. they call XXXX time a day from all kind of different numbers the collection agents are scary they don't want nothing but money I do not have I am mentally drained and scared for my life. They closed my account after I disputed their mistake on a bill. I wrote & called to REVVI XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX & got no responds Now XXXX XXXX keeps calling to collect money I don't have they are bill a collector calling me XXXX or more time a day. threatened to take negative or legal action.Threatened or suggested your credit would be damaged. XXXX SOLD FROM REVI CARD TO XXXX XXXX Date opened : XX/XX/XXXX Status : Collection account. {$630.00} past due as of XX/XX/XXXX. 
Status updated Closed XX/XX/XXXX Balance {$630.00} Balance updated Monthly payment - XXXX Original balance - {$630.00} Highest balance On record until XX/XX/XXXX/ This account is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation