vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$77.00} XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NV

Complaint narrative:
I am filing this complaint because Equifax is reporting a collection account from XXXX XXXX XXXX ( XXXX ) that is unverifiable and has already been deleted by Experian after reinvestigation. Despite the account appearing on my Equifax credit report, I am not able to access it in XXXX online dispute center, which prevents me from formally disputing it again. This restricts my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX XXXX XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX -- Account number : 517805 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-22 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: TX

Complaint narrative:
I am writing to formally request the removal of an inaccurate charge-off from XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I am entitled to an accurate and fair credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year> Request for Verification Under FCRA Section 611 ( a ) ( 1 ) ( A ) : According to Section 611 of the FCRA, I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. Therefore, I am requesting to verify the accuracy of the XXXX XXXX charge-off entry. Please investigate this matter and either validate the debt with clear, verifiable documentation from the original creditor or remove this entry from my credit report. 

Request for Complete Documentation Under FCRA Section 609 ( a ) ( 1 ) : I am requesting copies of any records and documentation that your agency or XXXX XXXX may have relied upon to validate this charge-off. Please provide original signed contracts, billing statements, or other materials that substantiate this debt. 
Compliance with FCRA Section 623 ( b ) : If you verify this charge-off, I am requesting that you ensure XXXX XXXX has conducted an adequate and fair investigation, as required by FCRA Section 623 ( b ). If XXXX XXXX can not provide evidence that this charge-off is accurate and validated, I request that this charge-off be promptly removed from my report. 

Furthermore in accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each. individual with whom you verified the above so that I can follow up. 

Please forward me an updated credit report after you have completed the investigation. 

Notification of Unverified Information Removal : Under the FCRA, any unverified, inaccurate, or incomplete information must be deleted from my report. Please notify me of any changes made or provide documentation that substantiates this debt. 

Conclusion : Please investigate this matter and confirm any corrections to my report. Should your agency find this information unverifiable or inaccurate, I expect this charge-off to be removed promptly. I would appreciate confirmation of the results in writing. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, 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 2025-05-22 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:
I am writing to formally request the removal of an inaccurate charge-off from XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I am entitled to an accurate and fair credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year> Request for Verification Under FCRA Section 611 ( a ) ( 1 ) ( A ) : According to Section 611 of the FCRA, I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. Therefore, I am requesting to verify the accuracy of the XXXX XXXX charge-off entry. Please investigate this matter and either validate the debt with clear, verifiable documentation from the original creditor or remove this entry from my credit report. 

Request for Complete Documentation Under FCRA Section 609 ( a ) ( 1 ) : I am requesting copies of any records and documentation that your agency or XXXX XXXX may have relied upon to validate this charge-off. Please provide original signed contracts, billing statements, or other materials that substantiate this debt. 
Compliance with FCRA Section 623 ( b ) : If you verify this charge-off, I am requesting that you ensure XXXX XXXX has conducted an adequate and fair investigation, as required by FCRA Section 623 ( b ). If XXXX XXXX can not provide evidence that this charge-off is accurate and validated, I request that this charge-off be promptly removed from my report. 

Furthermore in accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each. individual with whom you verified the above so that I can follow up. 

Please forward me an updated credit report after you have completed the investigation. 

Notification of Unverified Information Removal : Under the FCRA, any unverified, inaccurate, or incomplete information must be deleted from my report. Please notify me of any changes made or provide documentation that substantiates this debt. 

Conclusion : Please investigate this matter and confirm any corrections to my report. Should your agency find this information unverifiable or inaccurate, I expect this charge-off to be removed promptly. I would appreciate confirmation of the results in writing. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, 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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XXXX XXXX I used ATM ( XXXX XXXX  XXXX ) to withdraw {$100.00}. At the end of the transaction when I took my card out the machine sounded like it was getting ready to send the money but the machine got quiet and then the screen said " ERROR IN DISPERSING MONEY '' then it said temporarily out of order. I immediately checked my account and saw the money was taken out of my account. I called # from the back of my XXXX XXXX card and was told a dispute form will be mailed to me but I did not receive it. So I went online to get the form and send it by email pdf file but I had to figure out how to send it for free, it kept asking me to sign up for {$8.00}. I was not going to pay anything to get my money back. I called the bank ans was told that they had received and opened my file and have to wait to hear from XXXXXXXX XXXX and they have up to 60 days to do so. I asked for a provisional credit and was told I had to wait at least 10 days.This happened on the XXXX so it has already been 13 days. I have 2 job interviews Friday morning and afternoon which is great opportunity for me. I literally have {$.00} in my account and no gas in my car to get there. This has been so unfair and I feel I am being punished for something that's not my fault. I am hoping and praying you can help me. 
My claim XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: MD

Complaint narrative:
I had a small payday loan through the app XXXX. The settlement amount was {$86.00} with a repayment date of XX/XX/XXXX. However, the {$86.00} was removed from my account on XX/XX/XXXX. The app still states that I have a balance to settle on of {$86.00} on XX/XX/XXXX. I have reached out several times and have gotten XXXX responses. XXXX stated that theyre unable to make adjustments to my settlement and the other asking when I get paid next. Neither of these fixed or explained what is going on. There is only XXXX way to contact XXXX and its through the XXXX XXXX and then an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-22 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: PA

Complaint narrative:
I previously filed a complaint stating that my identity was stolen, and I provided a theft affidavit, a list of the accounts in question, and proof that my information was affected by the Equifax Data Breach. Pursuant to FCRA Code 605 ( b ), the company had XXXX business days to remove all the information in question. However, they failed to do so and did not provide any information or proof that the debts in question were valid. The company has blatantly disregarded my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I submitted a formal dispute on XX/XX/year>, requesting verification under FCRA 609. No documentation was provided. 
Under FCRA 611, unverifiable information must be removed within 30 days. 
This XXXX loan remains on my report without legal proof, negatively impacting my credit.

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 2025-05-22 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: PA

Complaint narrative:
I am reaching out regarding serious discrepancies on my credit report. Ive identified inaccurate accounts, unauthorized inquiries, and inconsistencies in billing and personal data. These issues are severely affecting my financial health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX Re : Demand for Removal of {$410.00} XXXX XXXX from Credit Report Dear XXXX XXXX XXXX, I demand the immediate removal of the {$410.00} medical bill on my credit report. Reporting this debt violates the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of XXXX ( FCRA, Section XXXX ( a ) ( XXXX ) ). XXXX XXXX less than XXXX year old can not be included in credit reports. 

Details : Amount : {$410.00} Failure to comply within XXXX  days will result in further action. Provide written confirmation once this is resolved. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX to me, XXXX I am not locating an account for {$410.00} under your name. 



Thank you for contacting XXXX XXXX XXXX! 





This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

The information in this letter maybe confidential and/or privileged. This letter is intended to be reviewed only by the individual or organization above. If you are not the intended recipient or an authorized representative of the intended recipient, you are hereby notified that any review, dissemination or copying of this letter or information contained herein is prohibited. If you have received this letter in error, please notify the sender immediately and destroy this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I chargebacked on Chase about a website named XXXX, where they blatantly violated their XXXX as well as commit fraud by stealing everyone 's sweepstakes on the website and refused to pay out their prizes. Although in the end Chase sided with them as they provided useless information that they have been planning in order to pull a huge rug like this. 

Here is some information on the topic, I will link the full letter as well under. 

My dispute centers on the merchants fraudulent revocation of the core value associated with those purchasesXXXX XXXXXXXX were explicitly marketed as redeemable assets but were removed without notice, refund, or alternative compensation. To mislead and bolster their case, the merchant submitted updated XXXX XXXX XXXX to Chase that intentionally omitted any mention of XXXX XXXX, focusing solely on XXXX XXXX, which hold no redeemable monetary value. This is a deliberate attempt to rewrite the narrative of their platforms offerings. No reasonable customer would knowingly invest money to play with XXXX XXXX as they can not be redeemed for real money and have no practical value. I have copies of XXXXXXXX XXXX prior Terms of Service that explicitly prove the existence of a redemption mechanism, further undermining their claim. For example, XXXX XXXX of their original terms clearly outlines the process for redeeming prizes, including redeeming XXXX XXXX  for cash. These terms confirm the advertised redemption pathway customers relied upon in good faith when engaging with the platform. This is reinforced by promotional materials, email confirmations, and the merchants public promises, all of which described XXXXXXXX XXXX as redeemable assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 am filing a complaint to formally dispute the following information that appears on my credit report. I recently obtained a copy of my credit report from your agency, and I have found inaccurate and or unverifiable information that I request be investigated and removed or corrected under the Fair Credit Reporting Act ( FCRA ). 
The item I am disputing are as follow : XXXX XXXX XXXX  NA XXXX * * * * * * Balance : -- XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing a complaint to formally dispute the following information that appears on my credit report. I recently obtained a copy of my credit report from your agency, and I have found inaccurate and or unverifiable information that I request be investigated and removed or corrected under the Fair Credit Reporting Act ( FCRA ). 
The item I am disputing are as follow : XXXX XXXX XXXX  NA XXXX * * * * * * Balance : -- XXXX XXXX XXXX XX/XX/year>

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 2025-05-22 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: CA

Complaint narrative:
To Experian Dispute Department, This is a formal identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically 605B. 

I am submitting a legally compliant identity theft packet, including : - FTC Identity Theft Report ( Report # XXXX ) - Government-issued photo ID - Social Security card - Proof of current address The following items were added to my Experian credit file as a result of identity theft and must be removed immediately : XXXX XXXX XXXX XXXX account XXXX in XXXX ( Opened : XX/XX/XXXX ) - Hard inquiries : XXXX XXXX XXXXXX/XX/XXXX ), XXXX CARD ( XX/XX/XXXX ) Please be advised : Under FCRA 605B, Experian is XXXX XXXX legally obligated * * to block all disputed information within XXXX XXXX XXXXXXXX ( XXXX ) business days * * upon receiving a valid identity theft report and supporting documents. 

This obligation is * * non-discretionary XXXX XXXX XXXX XXXX Experian XXXX XXXX  can not reject XXXX XXXX a valid FTC report. 
- Experian * * is not permitted to investigate * * the matter. 
- Experian * * has no legal authority * * to question or override the documentation submitted under 605B.

This block must occur * * even if the information is technically accurate * *. The law prioritizes the identity theft claim over credit bureau discretion.

For your reference, Equifax has already reviewed the same package and removed the fraudulent items. Experians refusal to do the same would constitute noncompliance, selective enforcement, and unfair consumer treatment.

If this is not resolved in accordance with federal law, I will file complaints with : - The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The Office of the Attorney General I expect full compliance without delay. 

Sincerely, XXXX XXXX Email : 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