vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am submitting a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable information on my credit report. Despite my repeated disputes, they have not properly investigated or removed the incorrect account, violating my rights as a consumer. 
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Account Type : Collection Balance : {$280.00} Payment Status : Collection/Chargeoff Last Reported : ( Varies - discrepancy present ) Date Last Active : ( Varies - discrepancy present ) Violation : The credit bureau has failed to ensure the accuracy of the reported information and has refused to delete an unverifiable account as required under the FCRA. 
Failure to Comply : As per Section 1681e ( b ) and Section 1681i of the FCRA, credit bureaus are required to maintain accurate reporting and conduct a thorough dispute investigation within 30 days. The bureau in question has failed to uphold these obligations.

Under Section 1681e ( b ) of the FCRA, the credit bureaus are required to ensure the accuracy of reported information. Since the discrepancies violate FCRA regulations, I demand that this account be deleted from my credit report, not merely updated. 
As per Section 1681i of the FCRA, there is an obligation to investigate and resolve disputes within 30 days. If this information can not be accurately verified, it must be removed from my credit file immediately. 
I have disputed this account multiple times and requested its complete deletion from my credit report due to inaccuracies and inconsistencies. However, they have yet to take appropriate action. Their failure to remove inaccurate data has negatively impacted my creditworthiness and financial well-being. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold this credit bureau accountable for their failure to comply with federal regulations. Enclosed are supporting documents, including copies of my dispute letters and credit reports, to substantiate my complaint. 
I appreciate your attention to this urgent matter and look forward to your response regarding corrective actions to be taken for their non-compliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I hope this letter finds you well. I am writing to formally notify you that I am a victim of a data breach that has impacted my personal information. As a result, unauthorized accounts have been opened in my name, and I would like to request the immediate deletion and blocking of the affected accounts from my credit report, as required under the provisions of 15 U.S.C. 1681c-2 ( a ).

Under this statute, I am entitled to request the removal of fraudulent accounts resulting from a data breach. Therefore, I request that the following accounts be deleted and blocked from my credit file : [ List of affected accounts, including account numbers if available ] I have included any supporting documentation regarding the data breach and unauthorized accounts, such as any relevant reports or statements, to facilitate your investigation and processing of this request.

I kindly ask that you confirm in writing the deletion and blocking of these accounts from my credit report, and that you provide me with an updated copy of my credit file once these actions have been completed.

Please do not hesitate to contact me at [ Phone Number ] or via email at [ Email Address ] if you require any further information or clarification to process this request.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: TX

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 # 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 XXXXXXXX has violated my rights XXXX 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX JPMCB CARD I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in pacifXXXX concrete XXXX XXXX XXXX XXXX XXXX  XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX Capit if you fail to comply with this request. 

I will have the option but to pursue legal action against your company. Below is an itemized list of potential costs associated with litigation for harassment and abuse. 1.Attorney fee {$5000.00} 2. Court filing fee {$500.00} 3.Statutory Damages under the FDCPA fee {$1000.00} 4.Additional damages for Emotional distress fee {$10000.00} 5.Time off work an other incidental expenses {$2000.00} with a total estimated cost {$18000.00} I expect a prompt and complete response to this request. Failure to comply with my request and continued attempts to collect debt without proper validation will be considered Harassment and abuse under FDCPA, and I will take the Necessary steps to protect my rights. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

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 # XXXXXXXX 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 XXXXXXXX has violated my rights .

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Everything has to be XXXX percent accurate pern FCRA and 15 US 1681n which holds parties civilly liable for willful noncompliance with the FCRA

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 2025-03-09 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: TX

Complaint narrative:
Everything has to be XXXX percent accurate pern FCRA and 15 US 1681n which holds parties civilly liable for willful noncompliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX CONTINUED 18 USC SECTION 241, CONSPIRACY AGAINST RIGHTS TO DESTROY XXXXXXXX XXXX  GOOD STANDING CREDIT WITH XXXX, NEVER LATE, NEVER MISSED PAYMENT IN OVER 5 YEARS, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX SENILE REPLICATED USE OF SYNCHRONY BANK VIA XXXX CREDIT CARD FOR INDUCED FRAUD, HARASSMENT, INDUCED MULTITUDES OF UNAUTHORIZED TRANSACTIONS FOR XXXX, XXXX AND XX/XX/XXXX, REFUSED DISPUTES, REFUSED INVESTIGATIONS, REFUSED PROVISIONAL CREDIT, THEFT OF AVAILABLE CREDIT, USE OF XXXX BANKING FOR BANK DEREGULATION CRIMES AND VIOLATIONS OF THE HUMAN TRAFFICKING VICTIMS PROTECTION ACT ( XXXX2 U.S.C. 7102 ), SECTION ( XXXX ) ABUSE OR THREATENED ABUSE OF LAW OR LEGAL PROCESS. THE TERM " ABUSE OR THREATENED ABUSE OF THE LEGAL PROCESS '' AS DEFINED IN XXXX XXXX. XXXX REFERS TO THE MISUSE OF BANKING, VALIDATION, CREDIT, AND CONSUMER PROTECTION LAWS AND LEGAL PROCESSES, INCLUDING ADMINISTRATIVE, CIVIL, OR CRIMINAL PROCEEDINGS, IN ANY MANNER OR FOR ANY PURPOSE FOR WHICH THE LAW WAS NOT INTENDED. ADDITIONALLY, THE XXXX CREDIT HOLDER SYNCHRONY BANK HAS VIOLATED THE REGULATION MANDATING A XXXX NOTICE PERIOD FOR ACCOUNT CLOSURES OR MODIFICATIONS VIA REGULATION Z ( 1026.9 ( C ) ( 2 ) ) AS IMPLEMENTED BY THE CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT OF 2009 ( CARD ACT )., NOTICE TO SYNCHRONY BANK STOP ALL INDUCED FRAUD AND HARASSMENT IN ALL ACCOUNTS, XXXX AND XXXX, XXXX NOTICE OF XXXX XXXX XXXX THEFT OF MONEY AND ACCOUNT CLOSURE, NOTICE TO CEASE AND DESIST ALL INDUCED FRAUD AND HARASSMENT, NOTICE OF NEW INDUCED SYNCHRONY BANK FRAUD VIA ADDITIONAL UNAUTHORIZED TRANSACTIONS https : XXXX? usp=sharing or https : 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
I have late payments on my account that are not accurate

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 2025-03-10 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: AZ

Complaint narrative:
My personal Information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX, Bal- XXXX, opened : XX/XX/XXXX # XXXX ACCT # : XXXX, Bal- {$0.00}, opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX - ACCT XXXX XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$660.00}, opened : XX/XX/XXXX # XXXX : ACCT # : XXXX, XXXX {$460.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$1200.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX Bal- {$900.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX {$300.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$600.00} XXXX opened : XX/XX/XXXX Credit XXXX - ACCT # : XXXX, Bal- {$3000.00}, opened : XX/XX/XXXX 2022

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 2025-03-09 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: CA

Complaint narrative:
To : Whom It May Concern : Hello Dear. I had my personal information stolen and my credit was ruined. I was a XXXX and I served in the XXXX so I didn't need another card. And no credit needed. However, after being XXXX from the military due to an injury, I was moving around to start working again, and when I checked my credit report to lease a car, I was very surprised. Addresses I never lived at, phone numbers I didn't recognize, and many cards associated with addresses I never lived in. Please remove these erroneous records from my credit report. I am a person who needs to start over again. Please let me know the situation within 30 days. 


-- ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$2200.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$8600.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 







XXXX. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$2500.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3000.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$6300.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$920.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$4100.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I had submitted complaint 5 times and I need help! I need my money Sofi is stating that authorized the charges and yes Im not saying I didnt but I was scammed by the merchant when they didnt provide me with my entitled money and the bonus cashback that Im entitled for so since the merchant frauded me and scammed me for false promotion I had decided to get a dispute and get my money back! And as well had filed a police report! I need my money! As under fdic Im covered and under efta Im covered and Sofi had breached policy and regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
XX/XX/XXXX I requested for several accounts to be removed and or updated. 

Acct. amount {$5500.00} incorrect Acct. amount {$24000.00} shows account was open XX/XX/XXXX but shows a payment history does not start until XX/XX/XXXX. 
Acct. {$1100.00} There are charge-offs accounts thats been paid but show monthly amounts are due. 

There are inaccurate payment histories being reported.

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 2025-03-09 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: GA

Complaint narrative:
XX/XX/XXXX I requested for several accounts to be removed and or updated. 

Acct. amount {$5500.00} incorrect Acct. amount {$24000.00} shows account was open XX/XX/XXXX but shows a payment history does not start until XX/XX/XXXX. 
Acct. {$1100.00} There are charge-offs accounts thats been paid but show monthly amounts are due. 

There are inaccurate payment histories being reported.

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 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have been using Venmo for the last several days for payments of high school hockey tickets. I was scammed so reported a problem to Venmo and now have been been banned for suspicious activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date 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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I noticed a debt appearing on my XXXX, XXXX XXXX XXXX account number XXXX, which I believe is not mine. Upon reviewing the account details, I found that the debt listed was associated with an account that I did not open and for which I did not give any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Everything has to be 100 percent accurate pern FCRA and 15 US 1681n which holds parties civilly liable for willful noncompliance with the FCRA I asked them to opt me out because i never gave them permission to use my personal information I didn't give verbal or written permission at all this is a violation of my rights they have been selling my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
Everything has to be 100 percent accurate pern FCRA and 15 US 1681n which holds parties civilly liable for willful noncompliance with the FCRA I asked them to opt me out because i never gave them permission to use my personal information I didn't give verbal or written permission at all this is a violation of my rights they have been selling my personal information

Company response to consumer: Closed with explanation