vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed this account with Equifax due to what I believe are inaccurate, outdated, and misleading entries that continue to harm my credit profile. Equifax responded that the account was verified as accurate without providing adequate documentation or justification for the continued reporting. Their handling of the dispute lacks transparency and violates FCRA requirements. 



Issues & Alleged Violations : 1. FCRA 1681c Reporting of Obsolete Information : The account is closed and last active in XXXX, yet it is still being reported and shows monthly entries through XXXX  ( many of which say No Data Available ). If the Date of First Delinquency ( DOFD ) was in or before XXXX, it should no longer be reported after 7 years. Equifax has failed to provide the DOFD upon request. 
2. FCRA 1681i Inadequate Reinvestigation by Equifax : My dispute was met with a generic response stating the account was verified, with no explanation of how the investigation was conducted or what documentation was reviewed. This is not a reasonable reinvestigation under federal law.

3. FCRA 1681s-2 ( b ) Failure by XXXX XXXX to Correct or Update Inaccurate Information : XXXX XXXX  is reporting misleading information by listing monthly account data with No Data Available long after the account was closed. This implies ongoing activity or payment history when none exists, which is deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: VA

Complaint narrative:
I've recent 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I, XXXX XXXX, affirm that I have never applied for credit, nor have I requested goods or services, from the companies associated with the accounts in question. These accounts are fraudulent and were established without my authorization.

Pursuant to 15 U.S. Code 1681c-2, I formally request that these unauthorized accounts be removed or blocked from my credit report within four ( 4 ) business days of your receipt of this request and the accompanying documentation, including my FTC Identity Theft Report. 

Please be advised that I will also be forwarding this communication to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX ), and the Attorney General of Oregon for their records and potential further action.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I, XXXX XXXX, affirm that I have never applied for credit, nor have I requested goods or services, from the companies associated with the accounts in question. These accounts are fraudulent and were established without my authorization.

Pursuant to 15 U.S. Code 1681c-2, I formally request that these unauthorized accounts be removed or blocked from my credit report within four ( 4 ) business days of your receipt of this request and the accompanying documentation, including my FTC Identity Theft Report. 

Please be advised that I will also be forwarding this communication to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX ), and the Attorney General of Oregon for their records and potential further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
If you go to Chase.com right now, the home page indicates there is a {$300.00} bonus for opening a new Total Checking account after completing {$500.00} of direct deposits within 90 days of opening the account. ( see attachment XXXX ) I opened my account on XX/XX/year> and the required direct deposit was completed on XX/XX/year> with {$530.00} being deposited into the account. The Chase website indicates the bonus will be deposited within 15 days of meeting the criteria. As of XX/XX/year>, that has not happened. 

I reached out to Chase on XX/XX/year> and they stated I needed to provide them with a promo code. There is no promo code requirement to open the account. As you can see on attachment XXXX, below " XXXX an account '' states " {$300.00} Checking coupon code applied when you choose " Open an account '' '', thereby stating that no promo code is necessary to get the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to Equifax identifying multiple inaccuracies on my credit report. These inaccuracies included incorrect personal addresses, an employer listing, and several accounts I believe to be inaccurate or unverifiable. 

Specifically, I disputed : Incorrect previous addresses at XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KY. 
An incorrect employer listed as XXXX. 
Multiple accounts listed under XXXX with account numbers ending in XXXX, XXXX, and XXXX, which I requested to be validated or removed if unverifiable. 
An account labeled XXXX XXXX  with an account number ending in XXXX, which was also disputed due to an inaccurate status and requested for removal. 
I requested Equifax to conduct a reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and remove any information that could not be verified. I also asked for an updated credit report and for Equifax to notify anyone who had received my report in the last six months of any corrections. 

As of now, I am submitting this complaint to the CFPB to ensure that the matter is properly investigated and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
I am writing in response to a collection notice or communication I received regarding an alleged debt they claim I owe. Please consider this a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this report as a victim of identity theft. I have recently discovered several unauthorized and inaccurate accounts reported on my credit file that I did not open, authorize, or benefit from. These accounts contain derogatory payment histories, charge-offs, and other negative information that are severely damaging my creditworthiness. 
I am formally requesting that all three credit bureausExperian, Equifax, and TransUniontake immediate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which requires the blocking of information resulting from identity theft upon receiving proper documentation.

I have filed an identity theft report with the Federal Trade Commission ( FTC ), and I am attaching the official Identity Theft Report along with a government-issued ID and proof of address. I ask that the following accounts be blocked and permanently removed from my credit reports : Accounts to be removed : * XXXX XXXX XXXX  XXXX ( Equifax ) * XXXX XXXX XXXX  ( Installment ) ( Experian ) These accounts do not belong to me and were either fraudulently opened or reported inaccurately. I respectfully demand that the credit reporting agencies remove these accounts from my file and confirm the deletion in writing within the time frame required by law. 
I appreciate your urgent attention to this matter and expect full compliance in protecting my consumer rights.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am filing a follow-up complaint against AmeriHome Mortgage Company , LLC, related to a prior complaint ( ID : XXXX ) regarding loan servicing issues. This new complaint specifically concerns violations of the Real Estate Settlement Procedures Act ( RESPA ) and the companys failure to comply with their legal duties regarding Qualified Written Requests ( QWRs ). 

On XX/XX/year>, I submitted a formal QWR by certified mail, identifying concerns about servicing errors and requesting information regarding account history, escrow, fees, and other issues. AmeriHome acknowledged receipt and stated they needed additional time to respond, as permitted under RESPA. However, they never provided a final response, violating their obligation to respond within the extended 45-business-day deadline. 

I followed up with a second QWR on XX/XX/year> reiterating my request and concerns. This second request was completely ignored no acknowledgment within 5 business days, and no response at all within the required 30 business days.

These failures directly violate RESPA requirements under 12 U.S.C. 2605 ( e ). The lack of response has left critical servicing issues unresolved, including request for loan modification, and has resulted in financial harm, stress, and a lack of trust in the servicer.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchased a vehicle on XX/XX/year>, prior to purchasing the vehicle I gave the dealership my social security number based on the fact that we agreed to no hard credit checks. After only a minute that the salesperson walked away my phone was spammed with notifications stating there was a hard credit check. Each inquire is affecting my credit score and I ask for them to be removed because I did not consent to the use of my social security number in that way, shape, or form. 

Inquiries and Dates : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX Auto XX/XX/year>

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone has stole my identity to open up car loans, furniture bills, and cell phone. I have never gave anyone permission or authorization to open these accounts without my consent

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone has stole my identity to open up car loans, furniture bills, and cell phone. I have never gave anyone permission or authorization to open these accounts without my consent

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are fraudulent a few and unauthorized accounts on my report and the credit bureaus should not be neglecting the accuracy of my report please remove them asap XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX Practices. REMOVE ACCOUNT XXXX : Account number : XXXX, XXXX XXXX XXXX Unfair Practices. REMOVE ACCOUNT XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX Unfair Practices. REMOVE ACCOUNT XXXX  XXXX : Account number : XXXX, 15 USC 1681 Unfair Practices. REMOVE ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are fraudulent a few and unauthorized accounts on my report and the credit bureaus should not be neglecting the accuracy of my report please remove them asap XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX Practices. REMOVE ACCOUNT XXXX : Account number : XXXX, XXXX XXXX XXXX Unfair Practices. REMOVE ACCOUNT XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX Unfair Practices. REMOVE ACCOUNT XXXX  XXXX : Account number : XXXX, 15 USC 1681 Unfair Practices. REMOVE ACCOUNT

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against the three major credit reporting agencies Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which gives me the legal right to request the permanent removal of certain negative accounts from my credit reports. 
Neither company has provided a Forward Flow Agreement or Assignment Contract.

Under this federal law, consumers are entitled to have adverse information removed if : 1.The accounts have been settled, paid in full, or otherwise resolved ; 2.The information is obsolete ( exceeding the allowable reporting time limits ) ; 3.Or the data does not meet the legal accuracy, fairness, or completeness standards required by the FCRA. 

Despite my good faith efforts to exercise these rights, I have submitted multiple direct disputes and formal removal requests to each bureau for items that clearly fall under one or more of these conditions. However, each agency has either ignored, inaccurately verified, or refused to remove these accounts even when provided with documentation and references to federal law.

Their failure to permanently delete these accounts constitutes a direct violation of 15 U.S.C. 1681c-2, which mandates the removal of such items when proper legal grounds exist. These agencies are knowingly continuing to report information that is misleading, outdated, or resolved, which damages my credit standing and creates ongoing financial harm. 

I am requesting the FTC to investigate this matter thoroughly and ensure these credit bureaus are held accountable for their non-compliance with the law. I also request support in ensuring that the disputed negative accounts are removed from my credit reports immediately, in accordance with my rights under federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instance of late payments on my account. For which I always pay on time. I have never missed a payment, in the following account. ( XXXX XXXX ) # ending XXXX .. Im asking if its possible can you please look into this thorough investigation, into these discrepancies.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
My students loans were discharged due to fraudulent activities by the loan providers. No data about the loans should be reported on my credit since the federal government discharge them. 
Navient did not remove the information instead allowed this fraudulent activity to continue to be reported on my credit report.

Company response to consumer: Closed with explanation