vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: FL

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
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I have discovered late payment notations on my credit report that are false and need to be corrected right away. These inaccuracies are unfairly reducing my credit score and jeopardizing my financial health. I consider this completely unacceptable. 

Some of the reported late payments were made on time, while others appear to stem from internal processing issues. If these late marks can not be validated with original recordssuch as dated billing statements and signed account agreementsthey should not be present on my credit file. The FCRA requires all reported data to be factually accurate and verifiable. 

I am demanding the immediate correction or deletion of these late payment entries. If the reporting companies can not produce solid, documented proof, these items must be removed. Failure to address this promptly will be considered a deliberate violation of federal consumer protection laws.

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 2025-04-11 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-11 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: CA

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 2025-04-11 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: MI

Complaint narrative:
XXXX XXXX is inaccurately reporting information on my credit report. I have disputed this directly with XXXX and Experian and have gotten no response. They are inaccurately reporting on my credit profile under Section 623 ( e ) of the FCRA explicitly states that furnishers of information to CRAs can not provide information that they know or have reason to believe is inaccurate. This provision helps to prevent the inclusion of erroneous information in credit reports, which can negatively impact consumers ' credit scores and their ability to obtain credit. 
XXXX updated Experian they list nothing and on XXXX they list XX/XX/XXXX. 
Account number Experian XXXX XXXX and on XXXX they list XXXX Account type Experian list secured loan and XXXX list installment account Status Experian list paid, closed and XXXX XXXX paid or paying as agreed These are several instances listed that are inaccurate information and violates section 623 ( e ) under the FCRA guide lines.

Then they are listed again with several other discrepancies. 
Balance updated Experian list nothing an XXXX list XXXX XX/XX/XXXX Account type Experian list secured loan and XXXX list installment loan Status Experian list paid, closed and XXXX XXXX paid or paying as agreed Status update Experian list XX/XX/XXXX and XXXX XXXX XX/XX/XXXX Comments Experian list nothing and XXXX list closed Once again this is a violation of the FCRA under Section 623 ( e ) of the FCRA explicitly states that furnishers of information to CRAs can not provide information that they know or have reason to believe 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 2025-04-11 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: MI

Complaint narrative:
XXXX XXXX is inaccurately reporting information on my credit report. I have disputed this directly with Transunion and XXXX and have gotten no response. They are inaccurately reporting on my credit profile under Section 623 ( e ) of the FCRA explicitly states that furnishers of information to CRAs can not provide information that they know or have reason to believe is inaccurate. This provision helps to prevent the inclusion of erroneous information in credit reports, which can negatively impact consumers ' credit scores and their ability to obtain credit. 
XXXX updated XXXX they list nothing and on Transunion they list XX/XX/XXXX. 
Account number XXXX XXXX XXXX and on Transunion they list XXXX Account type XXXX  list secured loan and Transunion list installment account Status XXXX  list paid, closed and Transunion list paid or paying as agreed These are several instances listed that are inaccurate information and violates section 623 ( e ) under the FCRA guide lines.

Then they are listed again with several other discrepancies. 
Balance updated XXXX list nothing an Transunion list XXXX XX/XX/XXXX Account type XXXX  list secured loan and Transunion list installment loan Status XXXX  list paid, closed and Transunion XXXX paid or paying as agreed Status update XXXX  list XX/XX/XXXX and Transunion XXXX XX/XX/XXXX Comments XXXX  list nothing and Transunion list closed Once again this is a violation of the FCRA under Section 623 ( e ) of the FCRA explicitly states that furnishers of information to CRAs can not provide information that they know or have reason to believe 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 non-monetary relief
Consumer complaint received 2025-04-11 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: OK

Complaint narrative:
Trans Union LLC, Equifax LLC, Experian keeps saying I need to send in more FTC reports. They will not remove addresses that are not mine. And a fraudulent account reporting on my consumer file called 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 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 2025-04-11 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: NC

Complaint narrative:
Transunion refused to connect me with a supervisor that is a live agent. All interaction was recorded by XXXX XXXX XXXX. Transunion has been sent information since 2024 to present. In the form of identity verification, CFPB reports, debt validation notices and FTC reports. Transunion has failed to acknowledge documentation sent via certified mail. Notification on mail received has been provided via Transunion. Inaccurate and negative items still remain on my TransUnion credit report. Which has negatively impacted my credit score and approval for homes, cars, credit tradelines and etc.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Credit Attorney Note : Issuance of 1099-C By Creditors As many of you know, I'm a credit attorney. That means I address and advise on credit reporting, debt and debt collection issues.

1. If a 1099-C is issued, take a look at Line / Box 6, and see if Code G is marked. If so, please keep reading further.

2. If Code G was issued, then in most cases, the creditor should report a balance of {$0.00} on your credit reports. They don't have to remove the account, but the balance should be marked to {$0.00}.

3. Within 30 days of recieving a 1099-C, you should check your credit reports, and see that the balance is {$0.00}.

4. If not, you want to dispute this with each credit agency.

I have a CODE G and my balance should be reflecting a XXXX. If you report anything else it is in violation of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon a recent review of my credit report, I discovered multiple inaccuracies, including unauthorized accounts and erroneous information. These discrepancies have negatively impacted my credit score and, as a result, my overall financial health.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Between XX/XX/year> through XX/XX/year>, multiple times I added my external account into Chase online banking account and initiated incoming money transfers. Chase Fraud team calls me and always fails validation and then rejects my transaction and removes my external account. When spoken to the fraud team representative I was told I didn't do anything wrong, it's just that they will not accept online transfers from my credit union ( external account ) on the Chase business checking account. When asked why not, when Chase accepts online payment into my Personal checking account, the representative responded it is Chase ' policy. That I can close my account, if I want and that escalation of the issue will not fix anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
While checking the results from my previous dispute, I discovered In my previous dispute, Experian, TransUnion and Equifax was asked to provide : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 66, Subsection A-D, please provide the names and business addresses of each individual with whom you spoke to and verified the above accounts with so that I may follow up with them. Please forward an updated credit report after you have completed your re-investigation and made the corrections/deletions.

They have not provided the requested information and they continue to report inaccurate information on my credit report. The accounts continue to be updated repeatedly as charged off with a balance every month. This is an update to the payment history. A charged off account should NOT include an active payment history.

Recently, the Consumer Financial Protection Bureau Protection Bureau filed a lawsuit against Experian and Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlights the systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am seriously concerned that my dispute may have been mishandled in the same manner. Therefore, I demand the immediate deletion of these inaccurate accounts being reported on my credit report.

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 2025-04-11 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: FL

Complaint narrative:
While checking the results from my previous dispute, I discovered In my previous dispute, Experian, TransUnion and Equifax was asked to provide : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 66, Subsection A-D, please provide the names and business addresses of each individual with whom you spoke to and verified the above accounts with so that I may follow up with them. Please forward an updated credit report after you have completed your re-investigation and made the corrections/deletions.

They have not provided the requested information and they continue to report inaccurate information on my credit report. The accounts continue to be updated repeatedly as charged off with a balance every month. This is an update to the payment history. A charged off account should NOT include an active payment history.

Recently, the Consumer Financial Protection Bureau Protection Bureau filed a lawsuit against Experian and Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlights the systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am seriously concerned that my dispute may have been mishandled in the same manner. Therefore, I demand the immediate deletion of these inaccurate accounts being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I signed a contract with a bookkeeper on XXXX XXXX for bookkeeping services for the month of XXXX. We met on a video call on XXXX, XXXX XXXX. XXXX said on the call that she would look at my books that weekend. Three weeks went by without her accessing my account or any contact. I followed up via email on XX/XX/XXXX and asked if she was able to access my accounts. She said she would be finishing up my books and sending them over by XX/XX/XXXX and then we could schedule our monthly call. She then replied and said I didn't have the right version of XXXX, meaning this whole time she had not accessed my account. I asked her about the account and she did not reply until XX/XX/XXXX, saying I had to upgrade. That same day, I told her I upgraded and asked when I would receive my completed books and our monthly call. Eleven days later, I had not heard from her. I began to panic as she had my passwords to my personal and business checking accounts. I sent her an email on XX/XX/XXXX stating that I would like a refund due to work not being delivered. I followed up on the XXXX via email, texts and calls with no response. Calls went straight to voicemail ( I left one ) and I called from 2 different lines, different times of day with no response. I then reached out via XXXX and XXXX to ask her to contact me. She then blocked me on both accounts. I tried to schedule a call on her consultation calendar and it was canceled and her calendar page was deleted. On XX/XX/XXXX, she replied to my email where I asked for a refund and she said that once work has started there is no refund. Per Clause 5 of her agreement, a breach of a material provision entitles the non-defaulting party to reasonable damages. 
Delays without explanation, failure to deliver monthly reports or communication, and complete inaccessibility for over five combined weeks all qualify. I replied on XX/XX/XXXX stating I would like my complete books or payment by EOD. She did not reply or resolve this. I sent her {$250.00} through Zelle for this service. Zelle would not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Regional Acceptance Corporation regarding a charged-off vehicle loan for which the remaining balance is being inaccurately reported on my credit report. 

The vehicle was repossessed in XXXX, and I received a 1099-C dated XX/XX/XXXX for the amount of {$12000.00}, which I properly claimed as income on my XXXX taxes. After this, the account was removed from my credit report on XX/XX/XXXX. However, it was later reinserted, and is now showing a balance of {$490.00}, which has caused my credit score to drop by XXXX points. 

I had also submitted a dispute regarding the last payment date, which they incorrectly listed as XX/XX/XXXX. The correct last payment was XX/XX/XXXX. XXXX is likely when the car was sold at auction. Reporting the last payment as XXXX inaccurately extends the timeline for when this account should fall off my credit report by about XXXX months. This dispute was denied without any documentation or verification. 

Most concerning is the fact that after I disputed the last payment date, they added the {$490.00} balance back onto the account, despite having issued a 1099-C for the full charge-off amount. According to the Fair Credit Reporting Act ( FCRA ), if a debt is reinserted after removal, the furnisher is required to notify the consumer within five business daysI was not notified. Additionally, reporting a balance after issuing a 1099-C is potentially inaccurate and misleading, as it implies the debt is still collectible when it was canceled and taxed as income.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation