vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE BEEN UNABLE TO GET MY REPORT FOR MONTHS NOW. PLEASE TO SEE ATTACHMENT AND UPDATE MY ADDRESS. IT IS UNLAWFUL TO REPORT AN ADDRESS THAT MY MAILS ARE NOT DELIVERABLE AT XXXX XXXX XXXX XXXXXXXX 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE BEEN UNABLE TO GET MY REPORT FOR MONTHS NOW. PLEASE TO SEE ATTACHMENT AND UPDATE MY ADDRESS. IT IS UNLAWFUL TO REPORT AN ADDRESS THAT MY MAILS ARE NOT DELIVERABLE AT XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
My complaint is with Transunion, XXXX, and XXXX. Along with the collection companies that reported the inaccurate information. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  ) I have multiple accounts on my credit report showing they have been charged off. I never received a 1099c for the charged off debt to be reported properly to the IRS for any of these accounts. This is a violation of laws placed by congress to protect consumers. If a company charges off a debt as a loss they are required to send me a 1099c to properly file with the IRS. As well as the fact that the IRS states a charge off is considered ordinary income, additionally stated by the IRS income is not to be reported on consumers reports. This makes the reporting of the account INACCURATE. This is also a violation. Furthermore these accounts still show a balance due. Which is again, INACCURATE information and misleading. Since it has been charged off by the company the balance must be XXXX. I called Transunion twice and brought this to their attention and requested that these accounts be removed. As they are required by the FTC to report ACCURATE information. Or they are in violation and can be fined. They did not remove the accounts and only started a dispute. This dispute can take up to 60 days and in the meantime this is negatively effecting my report and life.

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 2025-01-13 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: NC

Complaint narrative:
I am writing to formally request the removal of an account from my credit report. Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I believe the inclusion of this account violates my rights under federal law.

The FCRA, as amended by the Fair and Accurate Credit Transactions Act and administered by the Consumer Financial Protection Bureau ( CFPB ), promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA : Consent or Permissible Purpose : Consumer credit reports may only be obtained with explicit consent or a permissible purpose.

Accuracy of Information : Persons reporting loan payment information to credit bureaus must do so accurately and resolve disputes regarding reported information promptly.

Disclosure Obligations : Creditors are required to provide disclosures to applicants whose credit applications are not approved or who are offered credit at an interest rate higher than other borrowers on the basis of a report obtained from a consumer reporting agency.

Updating and Inquiry Processes : Credit information reported to credit reporting agencies must be promptly updated. Processes must exist for customers to inquire about credit information furnished by creditors.If this account includes only transactional or experiential information between myself and the creditor, it does not meet the criteria for inclusion in my credit report under Section 1681a ( d ) ( 2 ) of the FCRA.

In alignment with FCRAs provisions, organizations like XXXX and its bank partners : Obtain explicit consent from borrowers for credit reports. 
Accurately report loan payment and delinquency information to credit reporting agencies. 
Provide timely adverse action notices with all required disclosures when necessary. 
Ensure processes exist for inquiries and updates to credit information. 
Offer consumers opt-out opportunities regarding the sharing of personal information. 
Implement identity theft prevention programs, as required by the FCRA and its implementing regulations. 
I request that you : ReInvestigate the inclusion of this account on my report. 
Remove the account if it violates FCRA provisions or fails to meet the criteria for inclusion. 
Provide a written response detailing the results of your investigation.

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 2025-01-13 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: AZ

Complaint narrative:
I am writing to formally request your urgent assistance in addressing critical inaccuracies and unrecognized accounts on my credit report. I have repeatedly disputed the accounts listed as XXXX and XXXX XXXX XXXX which I do not recognize, and I have taken several steps to resolve this matter. 

In full compliance with the Fair Credit Reporting Act ( FCRA ), I have demanded verifiable evidence of these accounts, specifically the original signed consumer contract. Regrettably, the reporting company has neglected to provide this essential verification or appropriately respond to my valid concerns. 

To substantiate my dispute, I have submitted comprehensive documentation, including an FTC report, an affidavit of dispute stating my intention to pursue legal action, proof of identity, my Social Security card, and a marked-up copy of my credit report highlighting the disputed items. 

The presence of these unverified accounts on my report is not only inaccurate but is also causing me significant XXXX XXXX  and financial harm. I urgently implore you to take immediate action to rectify this situation and ensure that my credit report reflects only accurate and verifiable information. Thank you for your prompt attention to this serious matter. I look forward to your swift and favorable response.

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 2025-01-13 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: AZ

Complaint narrative:
I am writing to formally request your urgent assistance in addressing critical inaccuracies and unrecognized accounts on my credit report. I have repeatedly disputed the accounts listed as XXXXXXXX  and XXXX XXXX XXXX which I do not recognize, and I have taken several steps to resolve this matter. 

In full compliance with the Fair Credit Reporting Act ( FCRA ), I have demanded verifiable evidence of these accounts, specifically the original signed consumer contract. Regrettably, the reporting company has neglected to provide this essential verification or appropriately respond to my valid concerns. 

To substantiate my dispute, I have submitted comprehensive documentation, including an FTC report, an affidavit of dispute stating my intention to pursue legal action, proof of identity, my Social Security card, and a marked-up copy of my credit report highlighting the disputed items. 

The presence of these unverified accounts on my report is not only inaccurate but is also causing me significant emotional distress and financial harm. I urgently implore you to take immediate action to rectify this situation and ensure that my credit report reflects only accurate and verifiable information. Thank you for your prompt attention to this serious matter. I look forward to your swift and favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I am writing to formally notify you that I have become a victim of the XXXX data breach that has compromised my personal information. Under 15 USC 1681c-2 ( a ), I request that you take immediate action to remove and block all accounts associated with my personal information affected by this breach. According to the ( FRCA ) Section 605B, it is illegal to report information on my credit report without my permission. PLEASE IMMEDIATELY DELETE.

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 2025-01-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-13 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account NumberXXXX Amount : {$0.00} DateXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account Number:XXXX Amount : {$0.00} DateXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/XXXX Transaction for {$61.00} to XXXX XXXX from XXXX Goldman Sachs card XX/XX/XXXX Partial order delivery XX/XX/XXXX Used " contact us '' form to ask about missing part of order on XXXX website as they didn't have a customer service email/representative available XX/XX/XXXX Received response from XXXX XXXX apologizing for incomplete order and that they'd ship it XX/XX/XXXX Emailed XXXX XXXX customer service as I hadn't received the rest of my order or new tracking number, and if it would be easier, I would take a partial refund at this point XX/XX/XXXX Opened dispute with Apple Goldman Sachs card XXXXXX/XX/XXXX Checked with Apple Goldman Sachs to make sure they had all the evidence they needed from my end ( screenshots, emails, order #, etc. ) XX/XX/XXXX Dispute ruled in favor of XXXX XXXX, " service provided in accordance with merchant 's terms and conditions '' XX/XX/XXXX Chatted with Apple Goldman Sachs, dispute reopened, evidence sent in again XX/XX/XXXX Dispute ruled in favor of XXXX XXXX, " service provided in accordance with merchant 's terms and conditions '' XX/XX/XXXX Chatted with Apple Goldman Sachs, dispute reopened ( again ), was told that they agree the dispute should have ruled that XXXX XXXX was in the wrong as I never received all of the product I ordered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 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 2025-01-13 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: SC

Complaint narrative:
ACCORDING TO ALERT I RECEIVED ON XX/XX/year> SOMEONE TRIED TO OBTAIN CREDIT FROM XXXX XXXX XXXX XXXX XXXX UNDER FRAUD/IDENTITY THEFT. MYSELF ALONG WITH A REP FROM XXXX SPOKE WITH XXXX XXXXXXXX AND NOTIFIED THEM OF THE FRAUDULENT INTENTION- I DID NOT APPLY FOR CREDIT WITH THE NAMED BANK NOR DID I CONSENT TO SOMEONE APPLYING FOR THE CREDIT. I AM NOT AWARE OF WHAT THE SCAMMER WAS APPLYING FOR BUT I CAN SAY IT WAS DONE SO WITHOUT MY KNOWLEDGE OR CONSENT. 

TODAY, I DID CALL EQUIFAX ( XXXX XXXX ) AND EXPLAINED MY CONCERN OF AN INQUIRY MADE ON MY REPORT AND REQUESTED FOR IT TO BE REMOVED DUE TO IT BEING DONE SO BY FRAUD. I WAS TOLD TO FILE THIS REPORT AND NOTIFY THE FTC OF THE TRANSACTION AND REQUEST YOUR ASSISTANCE IN HAVING IT REMOVED FROM MY CREDIT REPORT AS SOON AS IT MAY BE POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
The transaction I disputed last XXXX still hasn't been resolved. I have already submitted evidence proving the unreasonable behavior of the receiving institution, but Chase processed a dispute successfully within a month. It's been so long, yet my case still hasn't been handled

Company response to consumer: Closed with explanation