vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681 and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have rejected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to upload their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
Equifax is inaccurately reporting two alleged 30-day late payments for account XXXX XXXXXXXX, in the months of XXXX and XXXX. Despite my third formal dispute, Equifax has not provided original billing statements, clear payment history, or confirmation of a human-led reinvestigation. 
The use of automated systems fails to satisfy the requirements of a reasonable investigation under 15 U.S.C. 1681i ( a ), as emphasized in XXXX v. Equifax and XXXX XXXX XXXX XXXX. 
Equifaxs actions violate 15 U.S.C. 1681e ( b ), 1681i, and 1666b, by maintaining unverifiable and potentially inaccurate derogatory data. 
A complaint has also been submitted to the Office of the Comptroller of the Currency ( OCC ) regarding the originating furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received a credit card in the mail with my maiden name which didn't make sense. I first I thought it was a spam offer, but realized that after checking my XXXX XXXX account, they had done a HARD INQUIRY on my credit without authorization or my knowledge. I have no idea who this company is or how they obtained my information. This seems spam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$3600.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Complaint About Chase Auto Loan Deceptive Practices, Unfair Policies, and Outsourced Support I am filing this complaint as a Chase auto loan customer who has experienced deceptive, frustrating, andin my opinionunethical treatment from the institution. 
Before accepting the loan, I was contacted repeatedly by U.S.-based representatives who offered assistance that was really just high-pressure sales tactics aimed at closing the deal. However, once the loan was finalized, all of my customer service interactions were redirected overseasspecifically to the XXXX. I now have to discuss my private financial matters with a foreign call center, which I find not only deeply uncomfortable and unprofessional, but potentially a risk to my personal data. These outsourced jobs belong in the United States of America. 
Meanwhile, Chases CEO XXXX XXXX earns nearly {$40.00} XXXX per year, while Chase cuts costs by pushing U.S. customers to underpaid, offshore support that lacks transparency, language clarity, and cultural understanding. 
But it gets worse. I discovered that if my loan due date falls on a Sunday, Chase requires the payment to be made three business days earlier, or Im penalized. I was told this directly by a representative. This is not clearly disclosed and goes against decades of standard billing practice. If a due date falls on a non-business day, the standard in most industries is to move it to the next business day without penaltynot to retroactively penalize the customer. 
At XXXX XXXX XXXX, Ive been responsibly paying bills for 45 years, and never have I encountered a system this intentionally misleading. 
I respectfully request the Consumer Financial Protection Bureau investigate the following : Whether Chase is using deceptive billing and due date practices. 
The extent to which Chase discloses their weekend penalty policy. 
How Chase protects U.S. customer data when all service is funneled offshore. 
Why Chase customers are forced into offshore communications instead of having access to domestic support. 
This is not only a consumer issue. Its a national onerelated to job displacement, data security, and the ethics of billion-dollar financial institutions that are failing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have money coming in and this is the only account I have the fact that I can not access my funds hurts not only my family sure to rent payment issues paying bills and exc...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
RE : formal dispute of inaccurate credit reporting under FCRA and consumer law To whom it may concern, I am writing to formally dispute an accurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerning regarding XXXX XXXX XXXX conduct proper investigations. Specifically, in a lawsuit filed against experience, the CFPB alleged that the company engaged in XXXX investigations violating consumer protection law by failing to meet the obligations of the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), experience is required to conduct a thorough and reasonable investigation of disputed idols within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information filed to be inaccurate, incomplete, or unverifiable must be properly deleted or corrected. Fail to adhere to these requirement constitutes a violation of federal law. 

I hear by request that experience : 1. Conduct a thorough investigation of the following dispute accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is in accurate, as mandated by law. Given the recent CFPXXXX findings, I expect experience to handle this dispute with the utmost seriousness and compliance with the legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate investigation. 
If experience fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the XXXX and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 information has been compromised due to a data breach, My identity has been use to open those account those account don't " belong to me.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These mistakes on my report have messed with a lot in my life. Ive done everything I can to stay financially responsible, and seeing all that effort dragged down by outdated or flat-out wrong info is really upsetting. Ive been turned down for things I should have qualified for, and its taken a serious hit on my confidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IA

Complaint narrative:
To Whom It May Concern : I am writing to address a significant issue regarding negative information reported by the U.S. BANKRUPTCY COURT XXXX XXXXXXXX XXXX under my Social Security number. Upon reviewing my credit report, I found an entry from this court, referenced as # XXXX, filed on XX/XX/year>, which is inaccurate. 
As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that you adhere to specific regulations, including 15 USC 1681i ( a ) ( 1 ), which requires a response within 30 days, and 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), which obligates you to provide proof of your investigation processes. I expect you to promptly verify and validate this information with the court. Additionally, please provide copies of any documentation that authorizes you to report this information, complete with my signature. 
If you can not produce such documentation, I formally demand that this erroneous information be removed without delay from the credit file associated with my Social Security number. 
I am fully aware of the implications surrounding inaccurate credit reporting, as highlighted by recent settlements against major credit reporting agencies. I trust that your organization recognizes the importance of accurate reporting and compliance, and I anticipate your swift action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
I am writing to formally notify you that after my investigation, the inquiry information contained in my credit report, as outlined below is inaccurate. I filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these inaccuracies. Please remove the erroneous information as required by the Fair Credit Reporting Act ( FCRA ) .____ Under Section 1681i of the FCRA , credit reporting agencies are required to investigate disputes. As I have already informed you of the inaccuracies and provided the necessary supporting evidence, the law mandates that you complete this reinvestigation, block the information while it is disputed and either correct or permanently remove the disputed items.______ The failure to act is in direct violation of the FCRA, specifically Section 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable reinvestigation of disputed information. Furthermore, Section 1681e ( b ) mandates that you maintain " reasonable procedures to ensure maximum possible accuracy '' in the information you report, which includes promptly removing known inaccuracies._______ Inquiries in Dispute : _____ 1. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately_________ 2. Reported Inquiry : Truist / XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately__________ 3. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately____________ 4. Reported Inquiry : XXXX  XXXX Reported Date : XX/XX/year> Dispute : Inquiry not mine Dispute : Identity Theft Demanded Action : Block and Remove immediately__________ Failure to remove these inaccurate items will leave me no choice but to pursue further legal action. Under Sections 1681n and 1681o of the FCRA, you may be subject to civil penalties, including statutory damages, actual damages, and attorney 's fees. Additionally, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office, all of which have the authority to enforce the FCRA and impose penalties for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$8100.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXXXXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
Lets update it : Im filing a complaint regarding a collection account with LVNV Funding for {$150.00}. The account is closed and inaccurately reported as negative on my credit report. Despite sending certified letters to dispute this for two months, I have not received any verification of the debt. This is causing undue stress and impacting my credit score, and I request its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief