vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax due to its failure to properly process and respond to my disputes regarding inaccurate information on my credit report. I have submitted several certified letters to Equifax that include : The specific item ( s ) in dispute, The reason ( s ) for the dispute, Supporting documentation and My full identifying information. Despite this, Equifax responded stating that further clarification is requiredincluding details that have already been provided multiple times. This response appears to be a form letter used to delay or avoid addressing the dispute in a substantive manner. Equifax 's actionsor lack thereofmay constitute violations of several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days after receiving notice of a dispute. 15 U.S.C. 1681i ( a ) ( 2 ) : Failure to promptly notify the furnisher of information about the dispute. 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete or modify information found to be inaccurate or unverifiable. 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide written results of the investigation and a copy of the revised credit report. 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of the information in the consumer report. 15 U.S.C. 1681g : Failure to provide all information in the consumers file upon request. Additionally, by repeatedly requesting the same information already provided, Equifax may be engaging in unfair and deceptive practices, potentially violating the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: TX

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: WA

Complaint narrative:
I am writing to formally dispute a collection that appears on my credit report. The collection in question is reported under the name of XXXX XXXX XXXX and appears on my report with the account number XXXX. I have reason to believe it is inaccurate, or incomplete and does not fully comply with the legal requirements established by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) See attachment for full text, In specific debt collectors may not report past due payment history on a closed account. The account has been closed since XXXX. Terms of 1 month are inaccurate reporting -- their is no payment terms or payment agreement. XXXX XXXX is reporting me {$1700.00} past due as of XX/XX/XXXX -- Debt collectors can not be past due its a closed account. All of these are inaccurate reporting justifying deletion of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to formally dispute a collection that appears on my credit report. The collection in question is reported under the name of XXXX XXXX XXXX and appears on my report with the account number XXXX. I have reason to believe it is inaccurate, or incomplete and does not fully comply with the legal requirements established by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) See attachment for full text, In specific debt collectors may not report past due payment history on a closed account. The account has been closed since XXXX. Terms of 1 month are inaccurate reporting -- their is no payment terms or payment agreement. XXXX XXXX is reporting me {$1700.00} past due as of XX/XX/XXXX -- Debt collectors can not be past due its a closed account. All of these are inaccurate reporting justifying deletion of 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove a fraudulent collection account despite multiple disputes and the submission of a valid FTC Identity Theft Report. 

I submitted an FTC Identity Theft Report on XX/XX/year>, identifying XXXX XXXX XXXX XXXX ( Account # XXXX ) as fraudulent. This same account has already been removed from both Experian and Equifax after receiving the same report. I filed a CFPB complaint against TransUnion on XX/XX/year>, and TransUnion responded stating I would receive the dispute results by mail within 7 days. It has now been months with no response or resolution. I have been disputing this same issue with TransUnion for nearly a year, and they have failed to take corrective action. 

Additionally, my credit file contains inaccurate personal information including : Incorrect variations of my name. The only valid name is XXXX XXXX XXXX. 

Multiple addresses that I have never lived at or authorized to be listed, including addresses in California, Indiana, and XXXX, none of which are valid. The only correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. 

FCRA Section XXXX ( a ) ( XXXX ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving my dispute. 
FCRA Section XXXX ( b ) : Failure to maintain accurate and complete reporting. 
FCRA Section XXXX : Failure to block fraudulent information after receiving a valid identity theft report. 

Repeated frustration with XXXX neglect of FCRA 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Billing and reporting errors are harming my credit. Under TILA ( XXXX XXXX XXXX XXXX ( b ) ), creditors must accurately report payments and provide proper notice. My payments werent correctly recorded, reported amounts are inaccurate, and I did not receive the required XXXX noticeinvalidating any late marks. These violations unfairly damage my credit and must be corrected.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am a Citibank customer. My account number is XXXX. I am writing to express my urgent need for help and my deep disappointment regarding the closure of my account and the disappearance of my direct deposit. 
For several weeks, I attempted to report my lost debit card. Each time I contacted Citibank, I was instructed to wait 48 hours after providing my information. No resolution was ever given. Then, on XX/XX/year>, I was suddenly locked out of my online banking. I immediately called and was told that my account had been closed, and there was no record of any direct deposit. 
However, on XX/XX/year>, my employer successfully deposited {$540.00} into my now-closed Citibank account XXXX As of today, those funds have not been returned to me. This money is criticalI am a XXXX XXXX, and my daughter is currently enrolled at XXXX. Her tuition and housing bills are due, and I rely on my income to provide for her education and our basic living expenses. 
On the day I lost access to my account, I spent hours on the phone trying to get help. I spoke with XXXX, XXXX, and finally a supervisor named XXXX. Still, I left the call with no answers, no returned funds, and no solution. 
I am askingbeggingfor your help. I can not wait 60 days. I need my {$510.00} direct deposit please returned immediately. This situation has left me emotionally and financially overwhelmed. 
Please treat this as urgent. I am requesting that my funds be returned without delay so I can provide for my daughter and maintain my responsibilities. 
Sincerely, 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED 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 XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting multiple inaccurate and unverified accounts on my credit report, despite my formal written disputes. These include : XXXX reported lXXXX  payments with no verification Michigan XXXX XXXX inaccurate tradeline XXXX XXXX, XXXX all disputed, yet verified without documentation XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX listed as collections without proof Unidentified collection account I also found personal information errors : name ( XXXX XXXX XXXX ), address ( XXXX XXXX XXXX ), and XXXX. 
These are violations of : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 failure to reinvestigate disputed information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has recently issued me two IRS Forms 1099-C, indicating purported cancellations of debt in the amounts of {$18000.00} and {$45000.00}, respectively. These forms ( which are included in this communication ) are factually and legally incorrect, and Chase is hereby demanded to issue corrected 1099-C forms reflecting {$0.00} in cancelled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Billing and reporting errors are harming my credit. Under TILA ( XXXX XXXX XXXX XXXX ( b ) ), creditors must accurately report payments and provide proper notice. My payments werent correctly recorded, reported amounts are inaccurate, and I did not receive the required XXXX noticeinvalidating any late marks. These violations unfairly damage my credit and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Control, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I paid a utility collection in full to Credit Control , LLC for a XXXX XXXX account. I have documentation showing the check was cashed and deposited by Credit Control. On XX/XX/year>, I received a letter from Credit Control confirming payment. 

Despite this, XXXX continues to report the account with a {$0.00} balance but falsely labels it as Paid Less Than Full Balance. This is not true. I never settled or paid less than what was owed. There was no negotiation or forgiveness, just a full payment. 

Additionally, this account is for a utility, not a credit tradeline, yet XXXX is reporting it as a derogatory collection account. That violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate and relevant information. Reporting a non-tradeline utility collection as a credit item is inaccurate and misleading. 

I have submitted disputes to XXXX multiple times, with full supporting documents, and they continue to verify this item as accurate. This is now my third attempt to have this issue resolved. I also contacted Credit Control twice on XX/XX/XXXX and XX/XX/XXXX and was promised a release letter that I never received. 

I am requesting a complete deletion of this account from my XXXX report. I am not requesting a correction. This account does not belong on my credit file under FCRA guidelines and is harming me financially, emotionally, and professionally.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
XX/XX/scrub>XXXX 2023 sent letter to XXXX ... for details regarding their collection notice. Also requested signature and ss to prove my debt. Also ask for proof of legal entity. They never replied and information. Assume a scam and sent to FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened 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