vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XXXX XXXXXXXX XXXXXX/XX/year> Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX File # XXXX Subject : Request for Investigation and Removal of Inaccurate Collection Accounts/ Cease and Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy of certain collection accounts that have been reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be complete, accurate, and verifiable. The following accounts do not meet these legal standards and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain incorrect and/or unverifiable information, which violates the provisions set forth by the FCRA. Under Section 609 and 611 of the FCRA, I request a detailed investigation into these accounts, including full documentation proving their validity. If these records can not be verified as 100 % accurate, I demand that they be removed from my credit report immediately.

Additionally, under Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you and any third-party debt collectors cease and desist all communication regarding these disputed accounts. Any further attempts to report, collect, or otherwise take action on these accounts without proper validation may result in legal action. 
I have attached copies of my identification and supporting documentation to assist with this investigation. Please provide me with a written response within 30 days confirming the deletion of these inaccurate accounts or evidence proving their accuracy.

Failure to comply with this request may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Credit Report Highlighting Disputed Accounts

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX account was suddenly disabled. In an attempt to recover it, I searched for XXXX customer service number and called what appeared to be the official contact number. Unbeknownst to me, this was a sponsored scam link that connected me to a fraudster impersonating XXXX support. 

The scammer, XXXX, who appeared professional and knowledgeable, falsely claimed that my account was disabled due to fraudulent XXXX activity on my XXXX ( which is linked to my XXXX ). He convinced me that in order to regain access, I needed to clear certain charges that were allegedly affecting my account by completing transactions that he would deny afterward. 

How the Fraud Was Carried Out The scammer and I were on the phone for over two hours, following his urgent and seemingly logical instructions to protect my account.

During the phone call, I received repeated text messages with links to XXXX transactions that he directed me to complete. Five repeat charges of {$990.00}. 
Each time I completed a transaction, he claimed it didnt go through and insisted I try again When I finally realized I was being scammed, I immediately ended the call, contacted Chase , and filed a claim.

I also reported the incident to the Internet Crime Complaint Center ( IC3 ) Chase is denying my claims and is leaving me in a position where I need to take legal action. The money that was requested from me was under fraudulent circumstances and the charges should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
XXXX XXXX is reporting an account on my credit report thats fraudulent & is not my mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXXLate/closed DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXXLate/closed DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open

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 2025-02-06 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

accounts reported inaccurate : XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS..

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS..

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX XXXXXXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Incorrect Collection Account To Whom It May Concern, I am writing to formally dispute an inaccurate collection account on my credit report. According to my most recent Equifax credit report, there is a collection account from XXXX XXXX XXXX for {$1800.00}, originally from XXXX XXXX XXXX XXXX. I believe this account is inaccurate due to the following reasons : The debt does not belong to me.

The amount reported is incorrect.

This account should not be in collections.

The reporting violates the Fair Credit Reporting Act ( FCRA ).

I request that Equifax investigate this matter and either provide verification of the debt or remove this account from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days. If you are unable to verify this debt, I request that you remove it from my report immediately.

Please confirm receipt of this dispute and notify me in writing of the results of your investigation. You may contact me at XXXX or XXXX if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am formally dispute the continued reporting of late and missed payments on my mortgage account, despite my participation in the COVID-19 assistance program and the subsequent sale of my property, which fully satisfied the loan. Your failure to update my account accurately violates federal laws, including the CARES Act, Fair Credit Reporting Act ( FCRA ), and Texas state consumer protection laws governing fair credit reporting.

Legal Basis for My Dispute CARES Act Protections ( Public Law No. 116-136 ) Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, mortgage servicers who granted payment accommodations due to COVID-19 were required to report affected accounts as current as long as the terms of the accommodation were met ( CARES Act, 4021 ). Since I was enrolled in an assistance program, any negative reporting during that period violates federal law.

Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must ensure the accuracy of data provided to consumer reporting agencies. Reporting late payments while my loan was under an official COVID-19 accommodation program is inaccurate and misleading.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The company equifax has said several times that they do not have a credit profile for me but in fact i pulled all XXXX bureaus and reports so how is that possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: 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. 

The account name : XXXX XXXX XXXX Account Number : XXXX The account name : XXXX XXXX XXXX Account Number:XXXX The account name : Portfolio recov assoc Account Number : XXXX Has violated my rights. 

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 states a consumer reporting agency states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 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 that

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 2025-02-06 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request that all accounts associated with my personal information that have been impacted by fraud or identity theft be blocked and deleted, pursuant to my rights under 15 USC 1681c-2 ( a ). As a victim of the recent data breach affecting all XXXX credit bureaus, I have taken appropriate steps to safeguard my identity and would like to ensure that any fraudulent accounts opened in my name are removed from my credit file. 

Details of Fraudulent Activity : Account Name Issue XXXX XXXXXXXX Inquiry XXXX XXXXXXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-02-06 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: CA

Complaint narrative:
I am writing to formally request that all accounts associated with my personal information that have been impacted by fraud or identity theft be blocked and deleted, pursuant to my rights under 15 USC 1681c-2 ( a ). As a victim of the recent data breach affecting all XXXX credit bureaus, I have taken appropriate steps to safeguard my identity and would like to ensure that any fraudulent accounts opened in my name are removed from my credit file. 

Details of Fraudulent Activity : Account Name Issue XXXX XXXXXXXX Inquiry XXXX XXXXXXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-02-06 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:
The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The complaint alleges that Experian : Failed to Properly Investigate Consumer Disputes Experian did not reasonably reinvestigate consumer disputes about inaccurate or incomplete information in their credit reports, often failing to forward all relevant information to furnishers or providing misleading dispute codes. 

Over-relied on Furnishers ' Responses Even when furnishers provided inconsistent or illogical responses, Experian failed to conduct independent verification and instead blindly accepted the furnishers input. 

Provided Misleading Notices to Consumers Experians reinvestigation result letters often contained ambiguous, incorrect, or contradictory information, making it difficult for consumers to understand dispute outcomes.

Failed to Remove or Prevent the Reinsertion of Inaccurate Information Experian did not take sufficient steps to prevent previously deleted inaccurate information from being reinserted into consumer reports by different furnishers.

Violated Reporting Timelines Experian failed to notify furnishers of disputes within the legally required five-day window and, in some cases, failed to reinvestigate within 30 days. 

Did Not Investigate Certain Disputes The company refused to investigate disputes about unauthorized " hard inquiries '' unless consumers specifically claimed identity theft. 

The CFPB seeks injunctive relief, financial penalties, and restitution for affected consumers. The case aims to ensure Experian adheres to fair credit reporting practices and improves its dispute resolution processes.

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