vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I have sent you a written request to validate my debt having account on XX/XX/XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/XXXX However, the credit bureaus have already sent in their " verified '' documents. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the Act for the updated value ), which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days. 

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies. 

Please remove the following items from my credit report, immediately : Transunion * * * * * XXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed Date Open XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX THE BUREAUS {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX XXXX XXXX {$690.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX Equifax * * * * * XXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed Date XXXX XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX THE BUREAUS {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX Experian * * * * XXXX XXXX XXXXXXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed-Charge Off Date Open XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX XXXX  XXXX XXXX {$710.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/XX/XXXX XXXX XXXX  XXXX {$690.00} Account Info Account Number XXXX Open/Closed Open-Outstanding Date Open XX/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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because a collection account from XXXX XXXX XXXX is being inaccurately reported on my credit report by Equifax and Experian. 

Despite submitting multiple formal disputes, the account has not been removed. XXXX XXXX XXXX has admitted in writing that they do not own the debt and are only acting as a third-party collector. They failed to provide any documentation beyond a billing statement with interest, which does not meet the requirements of the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). 

Under FCRA 609 ( a ) ( 1 ), I have the right to receive full documentation used in verifying this account. Under 611 ( a ), if the account can not be verified with legally sufficient evidence, it must be deleted. FDCPA 809 ( b ) also requires a collector to validate the debt, which XXXX XXXX has not done. 

Despite this, both Experian and Equifax refuse to remove the item and are only reopening disputes with no new investigation. This has caused harm to my credit profile and blocked access to credit opportunities. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and require the immediate and permanent deletion of the unverifiable account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MS

Complaint narrative:
I " ve recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MS

Complaint narrative:
I " ve recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2025, I attempted to ask Goldman Sachs ( Apple Card ) for a credit limit increase. I received a denial stating that my XXXX report could not be pulled or verified. I reached out to all 3 bureaus and confirmed that there is no block on credit pull from any bureaus on either myself or co owner. Both card users have a solid history and good credit score. Goldman Sachs and Apple refuse to do anything and basically say reach out to the bureaus. All bureaus have confirmed there is no issue pulling the credit history. This is beyond frustrating and I am not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Specifically, late payments reported by XXXX on my auto loan account # XXXXXXXX XXXX XXXX XXXX XXXX is incorrect and should be removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
Collection agency claims I owe a debt to them but I dont recognize the collection agency. They claim there the original creditor but I dont have any contract or any agreements signed with my signature with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have total checking account with JP Morgan Chase that I opened last month. Based on my relationship and transactions, Chase might have sent me an email to open a credit card for Chase freedom card. 
I acted on that - only to know that i am denied. 
Why Chase sent me such an email if I am going to be denied?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block, KIc. ) e to it le quaTo customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:3 was untair and deceptive, as they didnor '' ) comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute to Experian on XX/XX/year>, regarding an account with XXXX XXXX XXXX ( Account XXXX  XXXX ). This is the same account I referenced in my previous CFPB complaint submitted on XX/XX/year> ( Complaint ID : XXXX ), related to concerns over an improper investigation. 

On XX/XX/XXXX, Experian posted a notification in my account indicating that I would receive a response by XX/XX/year> far beyond the 30-day timeline required under the Fair Credit Reporting Act ( FCRA ), which mandates a response no later than XX/XX/year>. Even accounting for the Memorial Day federal holiday ( XX/XX/XXXX ), the legal deadline is still XX/XX/year>. 

I contacted Experian 's Dispute Department on XX/XX/XXXX to clarify this timeline. During that call, I spoke with a representative named XXXX, and the phone call case number is XXXX. XXXX confirmed that There was a dispute opened on XXXXXXXX XXXX  and Experian considered XX/XX/year> due to additional documents submitted on XX/XX/year> ( I did not upload more documents ), as the correct timeframe for a response which is false and contradicts the FCRAs requirements. 

Then on XX/XX/XXXX, I received an email from Experian stating that I had submitted a new dispute on XX/XX/year>. This is incorrect. I did not submit a new dispute or any additional documentation. The only related action I took was filing a CFPB complaint on XX/XX/XXXX, which is not additional documentation and should not legally reset the dispute timeline. 

Experian appears to be improperly extending or resetting the dispute clock in response to my CFPB complaint or my phone call neither of which included new information from me that would justify an extension under the FCRA. 

I also previously requested, by mail, that Experian provide me with the methods used to verify disputed information and their point of contact with prior disputes information they have yet to fully disclose. I requested the same documentation by mail for dispute submitted on XX/XX/year>. 

This account must be properly investigated or deleted if not verifiable. I stated this in my initial complaint, ( Complaint ID : XXXX ) ( screen shots of notifications, phone log, and my notes during the call attached in documents section ) This is not additional documentation that should extend the dispute response timeframe. This is solely for the complaint addressing this matter with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items, as it is incorrect and does not reflect my true credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy.I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account send all documets as i believe this is fraud on my credit report. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy.I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account send all documets as i believe this is fraud on my credit report. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
I XXXX XXXX checked my credit scores due to an email I received that my credit scores dropped over XXXX points, once I reviewed my credit scores I was upset XXXX marked me late for XXXX months, this is DEPLORABLE and DEGRADING to my Credit worthiness. XXXX is XXXX reporting XXXX XXXX  days HOW I THIS? I was never contacted from XXXX via email, regular mail or my Login File I have signed up with them to notify me of any changes that is associated with my account especially if I was occurring late payments on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I called asked if mailed me information said yes never did asked again never received but receive other mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
I have repeatedly disputed inaccurate and unauthorized items appearing on my credit reports with Experian, Equifax, and TransUnion. These include : An installment account from XXXX ( Account # : XXXX ) A collection account from XXXX XXXX XXXX ( Account # : XXXX ) A XXXX XXXX open account ( Account # : XXXX ) Numerous unauthorized hard inquiries ( see list below ) I have submitted formal disputes under the Fair Credit Reporting Act ( FCRA ), but each time, I received a vague form letter saying the items were verified without providing documentation or method of verification ( MOV ), which is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I specifically requested : The method of verification used The name and contact information of the furnisher Documentation used to verify the disputes These requests were ignored or evaded. I believe the credit bureaus have failed to conduct a lawful reinvestigation and are in violation of FCRA 611 and 1681i. The continued reporting of unverified information is damaging my credit standing. 

I also disputed the following unauthorized hard inquiries as I do not recall giving consent : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  and others I was told these inquiries were authorized without being shown proof or signed application documents. This is a violation of FCRA 604, which governs permissible purpose.

I have asked for verification and have received stall tactics. I believe the credit bureaus are willfully noncompliant, and I am asking the CFPB to intervene.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/XXXX XXXX : Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Banking and reporting errors are actively and unjustly damaging my credit. Under the Truth in Lending Act ( TILA ), XXXX XXXX XXXX XXXX ( b ), creditors are legally obligated to apply payments and credits accurately and to provide clear and timely billing statements. However, my account reflects serious violations of these requirements : payments I made were not properly recorded, there are evident calculation discrepancies, and I was not given the federally mandated XXXX advance notice before payment was due. As a result, any reported late payments are invalid. These errors constitute a clear violation of federal law and are causing significant and unlawful harm to my credit standing. I demand immediate correction and full compliance with all applicable legal obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
XXXX XXXX> Sat, XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir or Madam, I am writing to dispute the following information in my credit report. The items listed below are inaccurate and should be removed per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 
XXXX. XXXX XXXX XXXX XXXX, Account # XXXX This account contains inaccurate information. Under 15 U.S.C. 1681e ( b ) and 1681i, I request its removal. 
XXXX. XXXX XXXX, Account # XXXX This account also contains inaccurate information. As per 15 U.S.C. 1681e ( b ) and

Company response to consumer: Closed with explanation