vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
XXXX XXXX Equifax XXXX  I XXXX XXXX XXXX would like to file a complaint on all three credit bureaus listed above due to not resolving the issue. Its been 1-2 years of me disputing the same things on my credit report I have been a victim of identity theft. And fraud, I requested to get everything removed due to identity, theft, and fraud hopefully you guys can help I sent them a letter of all the things I want removed on my credit report that I do not recognize about a month ago and Ive received a letter back from them saying that theres not enough evidence. I went out my way to send them a letter after me disputing on the app According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
XXXX XXXX XXXX  Experian I XXXX XXXX XXXX would like to file a complaint on all three credit bureaus listed above due to not resolving the issue. Its been 1-2 years of me disputing the same things on my credit report I have been a victim of identity theft. And fraud, I requested to get everything removed due to identity, theft, and fraud hopefully you guys can help I sent them a letter of all the things I want removed on my credit report that I do not recognize about a month ago and Ive received a letter back from them saying that theres not enough evidence. I went out my way to send them a letter after me disputing on the app According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2025-06-12 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
This company ( Structured Settlement ) calls me multiple times a day and leaves threatening voicemails about taking money out of my account ( " call us to verify that we have the right amount on this authorization to debit your bank account '' ) or other vague threats of legal action. They also call my family and talk about my debt and are rude to them. I have only time-barred debt remaining, so they are clearly trying to ( illegally ) collect time-barred debt.

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 2025-06-12 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: IL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX ( Original Creditor : XXXX XXXX  ) and the associated debt collector for reporting inaccurate and derogatory information on my consumer credit reports ( TransUnion and Equifax ).

Summary of Complaint : 1. The account in question ( Account # : XXXX * *, Balance : {$100.00} * * ) is being reported as a derogatory collection account with a charge-off status.

2. I dispute the accuracy, ownership, and validity of this account. The reporting furnishes conflicting and inconsistent information across bureaus. For example : Date Opened discrepancies ( TransUnion reports XX/XX/2022, Equifax reports XX/XX/2022 ). 
Conflicting comments : One bureau reports Account information disputed by consumer, meets FCRA requirements, while another reports Consumer disputes this account information. Subject has not satisfied debt. The inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) regarding the duties of furnishers of information upon notice of dispute.

3. Furthermore, my personal identifying information ( PII ) was compromised in a documented data breach ( Engagement Number XXXX ), and I have reason to believe that this account may be a direct result of that breach. This has placed me at increased risk of fraudulent activity and inaccurate reporting on my credit reports.

4. The continued reporting of this account, in light of these documented disputes, potential identity theft exposure, and data breach concerns, represents a failure to conduct a reasonable investigation as required under the FCRA, as well as noncompliance with the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to violations of 15 U.S.C. 1692e ( 8 ) for communicating false credit 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 2025-06-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
b'I am writing to formally dispute the following accounts listed on my consumer credit report. I believe these entries are inaccurate, unverifiable, and potentially reported without a valid permissible purpose.\n\nAccounts Being Challenged:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nUnder the Fair Credit Reporting Act (FCRA), I have the right to dispute any item that is incomplete, inaccurate, or unverifiable. I take the integrity of my credit report very seriously and demand that each of the above accounts be fully investigated and verified.\n\nI request:\n\nClear documentation proving each accounts validity\n\nProof of a permissible purpose under FCRA XXXX XXXX XXXX XXXX\n\nA detailed procedure of how your investigation was conducted, per FCRA  XXXX)\n\nNo use of XXXX or any third-party automated verification systems\n\nIf you are unable to provide complete and factual evidenceincluding my signature authorizing each accountyou are required to DELETE these entries from my credit report immediately.\n\nThis is your XXXX-day notice, as mandated by FCRA XXXX(A). If no satisfactory response is provided within XXXX days of your receipt of this letter, I will file legal action against your company and pursue damages for:\n\nDefamation\n\nNegligent enablement of identity fraud\n\nViolations of FCRA and FDCPA XXXX XXXX XXXX XXXX XXXX)\n\nFinancial harm and emotional distress\n\nFalse and misleading reporting under XXXX XXXX XXXX\n\nThank you for your immediate attention. A failure to comply will escalate this matter to the CFPB, FTC, and small claims court where I will seek XXXX  per violation.'

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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 2025-06-12 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: WI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capitalone bank XXXX XXXX XXXX XXXX # XXXX was charged off in ( XX/XX/year> ) and XXXX XXXXXXXX XXXX XXXX bought this debt as a collection agency.I have requested the 1099c to support the charge off and it has not been sent. I have disputed this account as well with the credit bureaus and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. This is my 2nd request asking for the 1099c and debt validation. I have also provided screenshots of this account charged off as loss. I'm requesting that this account be deleted immediately or a 1099c be provided or a proper debt validation letter be submitted at this time none of the above have been supplied to me the consumer. I also have not been supplied with a written contract stating I have any obligation to this law firm they just keep posting letters as proof of debt validation and that is not a substantial agreement that I filed back in XXXX with the CFPB.I have placed all laws on this compliant and hope that they will be followed. Please do not post a letter that you sent to me that is not DEBT VALIDATION I need a signed contract thay has my wet signature on it agreeing to pay XXXX XXXX XXXX for a Capitalone account. If none of the above can be provided please delete this account or I will have my attorney reach out!!!! I will also provide the letter you attached to my original filing back in XXXX to show that this is not DEBT VALIDATION!!!! Your letter clearly states this is a debt collector at the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within 4 business days. 
You are now in WILLFUL NONCOMPLIANCE with the Fair Credit Reporting Act and knowingly causing harm to a consumer. 
Despite providing : - A valid FTC Identity Theft Report - A written request for block/removal - Clear documentation of fraud You continue to report the following : ACCOUNTS : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 2025-06-12 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: NJ

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
So today at XXXX XXXX  ish. I deposited cash into my chase checking account, around XXXX dollars. I left and a minute later checked my account and the money had not been deposited. I ran back to the atm, which was right outside the XXXX XXXX XXXX XXXX, in XXXX and checked to see if the money had popped back out of the atm, but i did not see any money. I later went inside the branch and the workers said there is no deposit. So the possibility would be either someone stole the money within the XXXX minutes i was not there, or the atm has the money but not in my account. The bank said they can not provide me with any camera footage and they can not check them for me, even though there are multiple cameras at that atm, which belongs to the branch right in front of it. I later made a claim with chase but it does not seem like they are going to help with the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY DISCOVERED A FRAUDULENT BANKRUPTCY and FRAUDULENT AUTO LOAN IN MY EXPERIAN AND TRANSUNION CREDIT REPORTS. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND FILED FRAUDULENT BANKRUPTCY UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO FILE ANY BANKRUPTCY AND OPENED FRAUDULENT AUTO LOAN UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE THE FRAUDULENT BANKRUPTCY FROM MY EXPERIAN CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) SECTION 600 ( B ). EXPERIAN CREDIT REPORTING AGENCY REFUSE TO DELETE FRAUDULENT PUBLIC RECORDS ( XXXXXXXX XXXX BANKRUPTCY ) AND REINSERTED FRAUDULENT AUTO LOAN FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX, Washington XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses.

2 Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The following personal information is incorrect XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation