vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Transunion and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax and Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Transunion 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Every time we deposit a check at chase bank. We always get a hold from 7-15 business days. I complaint at the branch and their solution was to upgrade our account to account for bigger transaction. We did, and the result was the same. Every day we have a lot of transactions from same clients and still get placed on extended hold. My solution has been to change banks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

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 2025-03-22 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
INQUIRIES : 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 2025-03-21 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: CA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts and unresolved The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit lawsuit against Transunion alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Transunion has neither corrected nor removed disputed items Despite the evidence I provided, Causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, as Transunion inaction, violates federal law and my rights as a consumer.

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 2025-03-21 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: SC

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 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 2025-03-21 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: CA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts and unresolved The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit lawsuit against Transunion alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Transunion has neither corrected nor removed disputed items Despite the evidence I provided, Causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, as Transunion inaction, violates federal law and my rights as a consumer.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IN

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a material alteration to the original contract.

According to the terms outlined in my promissory note, my loan was issued and administered by the U.S. Department of Education. Recent federal action has eliminated or reassigned the Departments responsibilities, with the Small Business Administration ( SBA ) now serving as the managing entity.

This constitutes a substantial and unilateral alteration of the agreed-upon terms, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CT

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 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 2025-03-21 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: VA

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute unauthorized hard inquiries on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). I did not authorize the following inquiries and demand their immediate removal : 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 XXXXXX/XX/XXXX Under 15 U.S.C. 1681b, a hard inquiry is only permissible with my explicit authorization. If you can not provide verifiable proof of my consent, per 15 U.S.C. 1681i, you must delete these inquiries from my report immediately.

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My nonpublic information was compromised.i was impacted by the Equifax data breach.i got this number from the Equifax site XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from XXXX XXXX for an alleged debt originally from XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Impossible " Date Opened '' ( FCRA 609 Violation ) The collection account is reported with a future date ( XX/XX/XXXX ), which is impossible and a direct violation of the FCRA 's accuracy requirements.

This false reporting is damaging my creditworthiness.

Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Last Reported Date '' ( XX/XX/XXXX ) has been fraudulently updated to make the debt appear newer.

Credit bureaus must not allow this illegal practice, and this account should be immediately deleted. 
Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is both a charge-off and a collection, which is false and misleading.

A charge-off account can not be reported as a new collection, making this an illegal double-reporting violation.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide legal validation of this debt, including : A signed original contract An itemized breakdown of how the debt was calculated Proof that XXXX XXXX has the legal right to collect this debt If this can not be provided, this account must be deleted immediately under federal law.

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 2025-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-21 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 requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-21 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: CarMax, Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an inquiry from CarMax Auto Finance that I did not authorize. I am requesting that this inquiry be removed from my credit file as it was made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence.

The following accounts require immediate review and correction : Personal Information ( Equifax ) Employers : XXXX XXXX XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank allowed three bill pays : Online payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$8000.00}. 

Online payment to XXXX XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$5900.00}. 

Online payment to XXXX XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$1900.00}. 

Then denied fraud claim a week later. No red flags on these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX DL : XXXX SSN : XXXX Phone : XXXX Email : XXXX To whom this may concern, I recently obtained a copy of my consumer report, and notice that my home loan has 15 late 30 days marks on my credit profile. This information is greatly affecting my credit, and from my knowledge I have never been late making payments on my home.This information is reporting incorrectly and under FCRA ( 15 U.SC. 1681i ) I request that this information be investigated and immediately turn those months from red to green as these accounts are not reflecting maximum possible accuracy! Im attaching two different loan accounts listed on my credit file that show different things. 15USC 1681B is saying this mis-information unfairly impacts my ability to obtain credit for legitimate purposes. Again I am formally disputing these inaccurate lates all of them to be corrected as never late FCRA 602 ( 15 usc 1681! Please update this information and communicate back with me via Email. I have owned my home many years and I need to take out a home equity line of credit to fix my roof as well as do other home repairs. I really do appreciate whoever is viewing this complaint. XXXX bless Account info : Name : XXXX XXXX XXXX Open Date : XXXX Amount : XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX DL : XXXX SSN : XXXX Phone : XXXX Email : XXXX To whom this may concern, I recently obtained a copy of my consumer report, and notice that my home loan has 15 late 30 days marks on my credit profile. This information is greatly affecting my credit, and from my knowledge I have never been late making payments on my home.This information is reporting incorrectly and under FCRA ( 15 U.SC. 1681i ) I request that this information be investigated and immediately turn those months from red to green as these accounts are not reflecting maximum possible accuracy! Im attaching two different loan accounts listed on my credit file that show different things. 15USC 1681B is saying this mis-information unfairly impacts my ability to obtain credit for legitimate purposes. Again I am formally disputing these inaccurate lates all of them to be corrected as never late FCRA 602 ( 15 usc 1681! Please update this information and communicate back with me via Email. I have owned my home many years and I need to take out a home equity line of credit to fix my roof as well as do other home repairs. I really do appreciate whoever is viewing this complaint. XXXX bless Account info : Name : XXXX XXXX XXXX Open Date : XXXX Amount : XXXX Acct # : 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 2025-03-21 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: PA

Complaint narrative:
I take my financial privacy very seriously, so I was frustrated to see multiple inquiries from your company on my credit report that I never authorized. I have never applied for anything with your company, and I have no idea why these inquiries are showing up.

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