vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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:
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. 

XXXX  - XXXX List of Unauthorized Inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Privacy information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion 's Corporation ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Equifax Corporation ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX, ATTN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute the accuracy of the information contained in my credit report, which I obtained on XX/XX/XXXX My details are as follows : - Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have identified several discrepancies in the information reported by your bureau that I believe to be inaccurate : 1. Inconsistent Name Reporting : - TransUnion reports my name as " XXXX XXXX, '' while Experian lists it simply as " XXXX XXXX. '' Such discrepancies can lead to confusion and affect how lenders view my creditworthiness. 

2. Address Variations : - My reported address is inconsistent across the bureaus. For example, Experian has an additional " XXXX XXXX XXXX XXXX, XXXX  XXXX '' and includes another address : " XXXX XXXX XXXX XXXX XXXX XXXX These inconsistencies could misrepresent my current residence and creditworthiness. 

3. Potential Risk of Identity Confusion : - The inaccuracies in my personal identifiers may expose me to risks of identity theft, which is a serious concern. 

These discrepancies may violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), which requires that credit reporting agencies maintain accurate information and allows me to dispute incorrect entries in my report. The FCRA mandates that you conduct a thorough investigation into the matters I have raised and provide me with a written confirmation of your findings along with a copy of my updated credit report. 





XXXX XXXX XXXX  Legal Obligations Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure maximum possible accuracy in the information you report. I demand that you conduct a thorough investigation of these discrepancies and provide me with corrective actions taken in accordance with your legal responsibilities within the legally required timeframe.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Privacy information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion 's Corporation ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Equifax Corporation ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX, ATTN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute the accuracy of the information contained in my credit report, which I obtained on XX/XX/XXXX My details are as follows : - Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have identified several discrepancies in the information reported by your bureau that I believe to be inaccurate : 1. Inconsistent Name Reporting : - TransUnion reports my name as " XXXX XXXX, '' while Experian lists it simply as " XXXX XXXX. '' Such discrepancies can lead to confusion and affect how lenders view my creditworthiness. 

2. Address Variations : - My reported address is inconsistent across the bureaus. For example, Experian has an additional " XXXX XXXX XXXX XXXX, XXXX  XXXX '' and includes another address : " XXXX XXXX XXXX XXXX XXXX XXXX These inconsistencies could misrepresent my current residence and creditworthiness. 

3. Potential Risk of Identity Confusion : - The inaccuracies in my personal identifiers may expose me to risks of identity theft, which is a serious concern. 

These discrepancies may violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), which requires that credit reporting agencies maintain accurate information and allows me to dispute incorrect entries in my report. The FCRA mandates that you conduct a thorough investigation into the matters I have raised and provide me with a written confirmation of your findings along with a copy of my updated credit report. 





XXXX XXXX XXXX  Legal Obligations Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure maximum possible accuracy in the information you report. I demand that you conduct a thorough investigation of these discrepancies and provide me with corrective actions taken in accordance with your legal responsibilities within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Sham XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Amsher Collections XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX Re : Notice of Dispute & Civil Liability under 15 U.S.C. 1681o - Negligent Noncompliance To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my consumer credit report issued by your organization. The specific account ( s ) in question is/are : XXXX XXXX XXXX I have previously notified you of these inaccuracies and provided sufficient documentation evidencing the errors, yet you have failed to perform a reasonable investigation as required by law, resulting in the continued reporting of inaccurate, misleading, or incomplete information. 



Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), you are liable for civil damages for negligent noncompliance with the FCRAs requirements. Your failure to correct and remove this inaccurate information after proper notice constitutes negligent noncompliance. Due to this negligence, I have suffered measurable damages, including but not limited to [ list any damages like credit denials, higher interest rates, emotional distress, etc. ].

I hereby demand that you : 1. Immediately conduct a proper and reasonable reinvestigation of the disputed account ( s ).

2. Delete or correct the inaccurate information as required by the FCRA.

3. Provide me with an updated copy of my credit report reflecting these changes.

4. Cease any further reporting of inaccurate or unverifiable information regarding this/these account ( s ).

Please be advised that failure to comply with these obligations may subject you to legal action, including seeking statutory and actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1681o. 



I expect your response within 30 days, as mandated by the FCRA. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
This account did not belong to me. I was identified that my house being used by somebody on.XXXX  and XXXX  am I by name XXXX live in XXXX I live in XXXX XXXX and somebody in XXXX  named XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
This account did not belong to me. I was identified that my house being used by somebody on.XXXX  and XXXX  am I by name XXXX live in XXXX I live in XXXX XXXX and somebody in XXXX  named 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 2025-03-28 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 disputing an unauthorized credit inquiry on my credit report. I do not recognize applying for credit with XXXX XXXX XXXX on XX/XX/2025. I did not give permission for this inquiry and request its removal from my credit history.

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 2025-03-28 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Notice of Dispute & Civil Liability under 15 U.S.C. 1681o - Negligent Noncompliance To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my consumer credit report issued by your organization. The specific account ( XXXX ) in question is/are : Jefferson Capital Systems LLC , XXXX I have previously notified you of these inaccuracies and provided sufficient documentation evidencing the errors, yet you have failed to perform a reasonable investigation as required by law, resulting in the continued reporting of inaccurate, misleading, or incomplete information. 



Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), you are liable for civil damages for negligent noncompliance with the FCRAs requirements. Your failure to correct and remove this inaccurate information after proper notice constitutes negligent noncompliance. Due to this negligence, I have suffered measurable damages, including but not limited to [ list any damages like credit denials, higher interest rates, emotional distress, etc. ].

I hereby demand that you : 1. Immediately conduct a proper and reasonable reinvestigation of the disputed account ( s ).

2. Delete or correct the inaccurate information as required by the FCRA.

3. Provide me with an updated copy of my credit report reflecting these changes.

4. Cease any further reporting of inaccurate or unverifiable information regarding this/these account ( s ).

Please be advised that failure to comply with these obligations may subject you to legal action, including seeking statutory and actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1681o. 



I expect your response within 30 days as mandated by the FCRA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
XXXX and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 these companies, 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 experiences regarding student loan account reporting

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, 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 accounts opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal Chase customer for nearly five years, maintaining personal and business accounts, as well as credit card accounts. My company was established in XXXX, and as it grew, my business revenue significantly increased in XXXX. As an entrepreneur, I was initially inexperienced with banking procedures and online wire transfers, but I adapted and learned as my company expanded. 

In XXXX, I received a letter from Chase notifying me that all my accounts would be closed and that I would be prohibited from opening any future accounts with the bank. The notice provided no explanation, only stating that the decision was confidential. Despite my efforts to contact Chase for clarification, I was never given a clear reason. I escalated my concerns through various channels within the bank, but no further information was provided. 

I have maintained excellent financial standing, with a XXXX  score of XXXX, and I diligently fulfill all my tax obligations. This unjustified decision has had a significant impact on my financial well-being. Recently, I attempted to purchase a new vehicle through a dealership that works exclusively with Chase, but I was denied due to the ban. Additionally, as a XXXX XXXX member with XXXX XXXX, I am unable to obtain a co-branded credit card because it is issued through Chase. 

I find this decision to be not only unfair but also discriminatory. I firmly believe that I have been treated unjustly and am requesting a thorough investigation into this matter. I respectfully demand that the ban be removed and that I am reinstated as a Chase customer. 

Thank you for your time and attention to my case. I look forward to a promptresolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute the accuracy of the information contained in my credit report, which I obtained on XX/XX/XXXX My details are as follows : - Name : XXXX XXXX - Date of Birth : XX/XX/2000- Current Address : XXXX XXXX XXXX, XXXX, LA XXXX I have identified several discrepancies in the information reported by your bureau that I believe to be inaccurate : 1. Inconsistent Name Reporting : - XXXX reports my name as " XXXX XXXX, '' while XXXX lists it simply as " XXXX XXXX. '' Such discrepancies can lead to confusion and affect how lenders view my creditworthiness. 

2. Address Variations : - My reported address is inconsistent across the bureaus. For example, XXXX has an additional " XXXX XXXX XXXX XXXX, LA XXXX '' and includes another address : " XXXX XXXX XXXX XXXX, LA. '' These inconsistencies could misrepresent my current residence and creditworthiness. 

3. Potential Risk of Identity Confusion : - The inaccuracies in my personal identifiers may expose me to risks of identity theft, which is a serious concern.

These discrepancies may violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), which requires that credit reporting agencies maintain accurate information and allows me to dispute incorrect entries in my report. The FCRA mandates that you conduct a thorough investigation into the matters I have raised and provide me with a written confirmation of your findings along with a copy of my updated credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
Im sending a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report. 

XXXX XXXX BALANCED {$290.00} XXXX  XXXX BALANCED {$11000.00} XXXX  XXXX BALANCED {$200.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-03-28 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: OH

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

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

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

Company 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