vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
I monitor my credit report regularly because maintaining a strong credit score is important to me. However, I keep coming across false and inaccurate information that has yet to be corrected, despite my repeated efforts to address it. This ongoing issue has been incredibly frustrating and exhausting, causing unnecessary stress and unfairly damaging my credit score.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am disputing an inaccurate eviction record on my credit report. The eviction ( XXXX ) was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The eviction was paid in full through the court on XX/XX/year>, as evidenced by the receipt I received from the court, which I have attached for reference. Despite this payment, the eviction remains listed as unpaid on my credit report, which has caused significant hardship, including being unable to secure new housing. 

I have attempted to resolve this issue directly with XXXX XXXX XXXX, but they have denied receiving the payment and have refused to update my credit report. I am seeking a resolution that reflects the accurate payment status and removes the eviction from my credit report. 

Dates : Date of Payment : XX/XX/year>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 non-monetary relief
Consumer complaint received 2025-02-21 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: IN

Complaint narrative:
I am disputing an inaccurate eviction record on my credit report. The eviction ( XXXX ) was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The eviction was paid in full through the court on XX/XX/year>, as evidenced by the receipt I received from the court, which I have attached for reference. Despite this payment, the eviction remains listed as unpaid on my credit report, which has caused significant hardship, including being unable to secure new housing. 

I have attempted to resolve this issue directly with XXXX XXXX XXXX, but they have denied receiving the payment and have refused to update my credit report. I am seeking a resolution that reflects the accurate payment status and removes the eviction from my credit report. 

Dates : Date of Payment : XX/XX/year>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 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: FL

Complaint narrative:
Financial Assistance , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Is attempting to collect a debt from me in the amount of {$97.00}. They have reported this debt to my credit file, with XXXX, XXXX and XXXX. 

According to Florida Law, Consumer Debt Collection Agencies are required to be licensed in the state of Flodia, ( 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration ). In which Financial Assistance , Inc does not currently hold any active license in the state of Florida with the Office of Financial Regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: AL

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 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 2025-02-21 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
i do not know about this debt, they said its coming from a XXXX XXXX XXXX  and i told them i had finical aid and that paid for my school so its no way i owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I withdrew from a retirement account upon switching employers at the end of XX/XX/year>. On XX/XX/year> I committed a payment of $ XXXX to complete a total debt payoff for my Paypal credit card powered by Synchrony bank. It should be known that at this time I simultaneously successfully paid off credit cards from XXXX XXXX, XXXX XXXX, XXXX and other store cards at this time. 

Paypal failed to process my payment timely on XX/XX/XXXX and instead did not attempt to pull the payment until XX/XX/XXXX. This is a full XXXX weeks after my submission. At that time I found out that the bank failed to pull out this amount, charged me a late payment penalty and a bounced check fee for THEIR BLUNDER. 

I once again tried to complete a major payoff for my credit in about {$1400.00} I believe to seriously reduce the amount of my balance. Paypal failed me again by not taking my payment for over 14 days and trying to pull from my account after other monthly bills had been scheduled to come out.

They have since closed my account and refuse to hear my arguments about their failure to accept my timely attempts to pay off my balance. I believe this is a predatory attempt to leverage interest against me by not allowing me to pay off my debt in full.

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 2025-02-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DPEDXXXX XXXX DPEDNXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: The Aligned Company DBA Extra
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : EXTRA ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX XXXX  ACCT # DATE:XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Subject : Notice of Dispute and Request for Compliance under 15 U.S. Code 1691 I am writing to formally dispute [ describe the issue, such as an unjustified denial of credit, discriminatory lending practices, or another violation under the Equal Credit Opportunity Act ( ECOA ) ]. Under 15 U.S. Code 1691, I have the right to receive a clear explanation for any adverse action taken against me regarding credit decisions. 
Account numbers : XXXX On XX/XX/XXXX, and on XX/XX/XXXX I applied for credit card, XXXX XXXXXXXX and I was [ denied, subjected to unfair terms, etc. However, I did not receive a legally required written statement explaining the reasons for this decision, as mandated by the ECOA.

I request that you immediately provide the following : 1. A detailed written explanation for the adverse action taken against me.

2. Any documentation or records used to make the decision.

3. Proof that your decision complies with ECOA regulations and was not influenced by any prohibited discriminatory factors.

Failure to provide a timely response may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil liability as allowed under 1691e of the ECOA.

I expect a response within [ reasonable timeframe, e.g., 30 days ] from the date of this letter. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I deposited {$2000.00} into a Chase Bank ATM in XXXX XXXX, New Jersey. The machine malfunctioned and did not credit my account. Chase initially investigated the issue and credited me the {$2000.00}. However, after the investigation, they claimed they only found {$200.00} and subtracted {$1800.00} from my account. 

I have requested more details about their investigation, but they have not provided any meaningful information. They also stated there are no cameras at the bank, which I find hard to believe. Their response has left me feeling hopeless, as they essentially told me, " Oh well. '' I need this money to pay bills and meet financial obligations, and I believe this was an error on their part that needs to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 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:
I am writing to address a critical issue on my credit report. There is an account listed that is currently in pending litigation, and it is being reported inaccurately. As this matter is still under legal review, the account should not be reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: UT

Complaint narrative:
I received an email from my bank in XXXX of 2024 saying " Congratulations on your new account! '' I never opened a new account. The process began. I learned I was a victim of identity theft. Someone opened a XXXX XXXX card in my name, and I later learned had a savings account in my name that was years old. I was receiving the notifications for their bill to be paid timely to stay in good standing with the credit bureaus. I started with XXXX and had some success. I tried Equifax, and to this day, despite having submitting a police report, I can not contact them on the phone or log into my online account. Whoever stole my identity has their phone number as the XXXX step verifier. The other XXXX bureaus- XXXX and XXXX I was able to gain access to my online accounts and begin disputes- some were in my favor, some not. During this weeks long adventure I learned the person bought a car, car insurance, a XXXX store credit card, and was in the process of waiting for application approval on other store cards. As I mentioned, I have had some successes with the XXXX bureaus, none with Equifax. I am down to a XXXX credit score as a result. Currently the phone numbers, addresses, and employers I have disputed that were never mine, some are still not resolved. I spoke with XXXX  XXXX fraud department on the phone and even though I told them I never opened an account, therefore I do not nor have I ever created an online account / profile with them - they said they could see XXXX ' logged in just a few days prior. They launched an investigation, but I don't yet know the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: WI

Complaint narrative:
Subject : Complaint Regarding Inaccurate Information on my Equifax Credit Report XXXX XXXX XXXX Account # XXXX Complaint Reference : XXXX & XXXX Dear Sir/Madam, I am filing a formal complaint regarding the inaccurate and negative information reported on my credit report by Equifax related to my XXXX  XXXX XXXX account ( Account # XXXX XXXX. This complaint is made in light of the recent lawsuit filed by the Bureau against Equifax Information Solutions , Inc., which alleges several violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010. 
As outlined in the lawsuit, Equifax has failed to comply with the following provisions of the FCRA and CFPA, which directly affect my credit reporting and dispute resolution : 1. Failure to Properly Investigate Disputes : Equifax has not properly reinvestigated disputed information in my credit file, as required by the FCRA. I believe the information related to my XXXX XXXX XXXX account is inaccurate, incomplete, or unverifiable. Despite previous disputes, this information remains on my report, and it should be removed or corrected. 
2. Inadequate Dispute Resolution : Equifax has failed to provide me with adequate written notice regarding the results of my disputes. I have not received the required communication that fully explains the investigation and resolution of the disputed account information. 
3. Improper Reinsertions of Deleted Information : I believe that negative information regarding my XXXX  XXXX XXXX account may have been improperly reinserted into my credit file after being deleted. This is a direct violation of the FCRA and must be corrected. 
4. Inaccurate Conveyance of Disputes : Based on the Bureau 's lawsuit, I believe that Equifax mishandled my previous dispute by either distorting or mischaracterizing the details of my dispute before forwarding it to the furnisher, XXXX XXXX XXXX. This has led to an unfair and inaccurate representation of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: I.C. System, Inc.
State: MI

Complaint narrative:
I am writing to formally request the removal and blocking of certain accounts from my credit report, as I am a victim of the recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ).

The accounts I would like to be addressed are as follows : XXXX. XXXX XXXX - Open Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Open Date : XX/XX/XXXX Given the circumstances surrounding the data breach, I believe that the presence of these accounts on my credit report is a result of identity theft or unauthorized use of my personal information. As such, I request that you take immediate action to block these accounts and initiate the deletion process. 

Please confirm the receipt of this request and inform me of the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue, as it greatly impacts my financial standing and peace of mind. 

Thank you for your cooperation.

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