vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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 2025-04-23 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: IA

Complaint narrative:
I am formally disputing the reporting of the following student loan accounts on my credit report. These accounts, though marked as " Paid and Closed '' or " Deferred, '' are creating undue complications during the mortgage underwriting process and reflect inaccuracies, duplications, or unverifiable information. Additionally, my personal information was compromised in the XXXX data breach, and I have reason to believe these accounts may have been impacted. Under federal law, I am requesting a thorough reinvestigation and the immediate deletion of these accounts from 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX XXXX XXXXXXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a {$5500.00} check from XXXX XXXX XXXX into my Chase business account. On XX/XX/XXXX, Chase closed my account and placed a hold on the funds, stating they needed to verify the check issuer 's identity. Since the issuer is no longer in the U.S., they claimed they couldn't contact him. Despite multiple attempts to obtain information and resolution, the funds remain on hold as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I am writing to formally request your assistance in resolving inaccuracies reported by all three major credit reporting agencies ( Equifax, Experian, and TransUnion ) on my credit reports. Despite my efforts to address these issues directly with the agencies, the discrepancies remain unresolved. 
The inaccuracies include : XXXX. Discrepancies on late payments : There are several instances where late payments are incorrectly reported. These errors are affecting my credit score and financial standing. 
XXXX. Incorrect information on original creditors : Some accounts list incorrect information regarding the original creditors, which is misleading and inaccurate. 
XXXX. XXXX balances and duplicate reporting : Some accounts are reported with XXXX balances and are duplicated as both a collection and a charge-off, which is misleading and negatively impacts my credit score. 
For example, on all my credit reports report : Account Name : XXXX  Account Number : XXXX Status : XXXX Potentially Negative Months Balance : {$0.00} Balance Updated : XX/XX/XXXX Additionally, the following account information is also inaccurate : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4400.00} Balance Updated : XX/XX/XXXX Original Balance : {$4400.00} Status : 0 % paid off I have reached out to Equifax, Experian, and TransUnion to notify them of these inaccuracies and requested corrections. However, my attempts have not resulted in any meaningful resolution. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report. Specifically : Section 611 ( 15 U.S.C. 1681i ) : This section requires consumer reporting agencies to investigate disputes and correct or delete any information found to be inaccurate, incomplete, or unverifiable within 30 days. 
Section 623 ( 15 U.S.C. 1681s-2 ) : This section mandates that furnishers of information to consumer reporting agencies must not report information that they know or have reasonable cause to believe is inaccurate. They are also required to correct and update information.

Section 605 ( 15 U.S.C. 1681c ) : This section outlines the types of information that can not be included in consumer reports, such as outdated information.

Section 1666b ( 15 U.S.C. 1666b ) : This section specifies that a creditor may not treat a payment as late unless the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. 
I kindly request the Consumer Financial Protection Bureau to investigate these matters and assist in ensuring that my credit reports accurately reflect my credit history. The continued presence of these inaccuracies is causing significant distress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I have identified several unfamiliar items on my credit report, which I believe are the result of identity theft, as I did not authorize these accounts. I have raised this concern previously, and I am now formally requesting the immediate removal of these unauthorized entries. Their continued presence is causing me significant distress and misrepresents both my credit history and financial behavior. 

This matter has been both frustrating and disruptive. If it is not resolved promptly, I will have no choice but to consider legal action to protect my rights and pursue an appropriate resolution. These inaccuracies are severely hindering my ability to achieve important financial goals, including purchasing a home and providing for my family. I trust that you will handle this issue swiftly and in good faith.

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 2025-04-23 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
wrong outdated info on my report The credit bureaus are providing incorrect information, and they are deliberately breaking the law. I am sending all information, including letters and communications, via the CFPB to prove that I am sending and they are receiving my request to stop reporting wrong information. receiving them. Additionally, I am sending via USPS certified letter every week because of their recklessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: IL

Complaint narrative:
wrong outdated info on my report The credit bureaus are providing incorrect information, and they are deliberately breaking the law. I am sending all information, including letters and communications, via the CFPB to prove that I am sending and they are receiving my request to stop reporting wrong information. receiving them. Additionally, I am sending via XXXX certified letter every week because of their recklessness.

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 2025-04-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX XXXX. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the XXXX situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of XXXX XXXX, to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : XXXX XXXX  XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) - Opened on XX/XX/XXXX with a balance of $ XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX  ) - Opened on XX/XX/XXXX with a balance of $ XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX witha balance of $ XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX witha balance of $ XXXXXXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX with a balance of $ XXXXXXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) - Opened on XX/XX/XXXX with a balance of $ XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX witha balance of $ XXXXThese fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX  Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MO

Complaint narrative:
I have identified several unfamiliar entries on my credit report that appear to be the result of identity theft, as I did not authorize these accounts. I have previously raised this concern, and I am now formally requesting the immediate removal of these unauthorized items. Their continued presence is causing considerable distress and inaccurately represents both my credit history and financial behavior. 

This issue has been both difficult and disruptive. If it is not resolved promptly, I may be left with no option but to pursue legal remedies to protect my rights and seek an appropriate resolution. These inaccuracies are seriously hindering my ability to achieve important financial goals, including purchasing a home and supporting my family. I trust you will give this matter the urgent attention it requires and act in good faith to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
On XXXX XXXX I submitted a formal written request to Militarystar to investigate and validate a negative item reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from this creditor. In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 15 U.S. Code 1601 which outlines the Congressional findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. Despite clearly outlining the relevant statutes and submitting proper documentation, this creditor has not fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in {$3100.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

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 2025-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to demand that Equifax immediately block the following fraudulent information from my consumer credit report within four ( 4 ) business days of receipt. This information is the direct result of identity theft and fraud.

The following fraudulent accounts and associated information have appeared on my credit report due to identity theft : A fraudulent property management account opened at XXXX XXXX XXXX XXXX on XX/XX/scrub> 2024, account number : ( private ). 

These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collection attempts, all of which are reflected on the attached copy of my consumer credit report from Equifax. A separate list of these fraudulent hard inquiries is also enclosed. 

I did not open, authorize, or make any of these fraudulent accounts, collections, or hard inquiries. They are solely the result of identity theft and fraud. 

As further evidence of this identity theft and fraud, I have enclosed a copy of the official Identity Theft Report filed with the XXXX Federal Trade Commission ( FTC ), case number : ( private case number ). Pursuant to my rights under the FCRA, I demand the immediate removal of all these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I contacted Santander to remove an account that's older than XXXX years still posted to my credit report.

Company response to consumer: Closed with non-monetary relief