vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : DEPT OF EDUCATION : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: LA

Complaint narrative:
I am filing this complaint regarding the reporting of inaccurate, outdated, and unverifiable addresses on my credit reports by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to delete inaccurate or unverifiable information following a reinvestigation request. 

Correct Address ( to remain on file ) : XXXX XXXX XXXX, XXXX XXXX, LA XXXX This is my current and only accurate address. All other addresses listed are either outdated, never mine, or tied to fraudulent activity or previous residents. 

Inaccurate Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX These addresses are inaccurate, outdated, or associated with mixed files. Despite previous disputes submitted directly to the credit bureaus, these addresses remain listed without sufficient verification or justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
I recently obtained a copy of my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account : 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 2025-05-18 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-05-18 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: DISCOVER BANK
State: AZ

Complaint narrative:
My credit was lost and used fraudulent I have completed a formal dispute to discover. I have completed 4-5 dispute letter, [ police report, employers ' timecard to display I was at work when fraud transaction occurred. I have made over 65 calls and dispute and escalation I never get a call back from management and get template responses in the mail that no new information was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
These credit bureaus are responsible for the fraudulent activities on my credit report. My personal information remains unchanged. I live at XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My name is XXXX XXXX XXXX. 

All my student loans are paid in full. 

They need to delete all the hard inquiries on my credit report. 

They need to delete all the closed accounts on my credit report. 

These credit bureaus f my life up.

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 2025-05-17 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: GA

Complaint narrative:
These credit bureaus are responsible for the fraudulent activities on my credit report. My personal information remains unchanged. I live at XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My name is XXXX XXXX XXXX. 

All my student loans are paid in full. 

They need to delete all the hard inquiries on my credit report. 

They need to delete all the closed accounts on my credit report. 

These credit bureaus f my life up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These accounts have resulted fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theftandfraud.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I applied for the Milestone credit card for {$500.00}. I was accepted and was told that it would be sent to an address I no longer live at. I just moved 2 weeks ago to an address in XXXX, and contacted them letting them know of an address change. Everything was processed and I received a new card. I called today due to my card declining and asked why since I havent used it yet, I was told that my account was closed due to suspicious demographic change. 
If it was suspicious why not contact me for additional information, such as a lease or utility bill, or anything to prove my address change? For them to send me a new card XX/XX/XXXX and close my account XX/XX/XXXX is absolutely sketchy to me. I didnt receive any notice or anything, I wouldnt even have known until I called today that my account was closed and a letter was sent to me. I literally just moved to a new address and explained that when wanting to receive a new card, now all of a sudden there is nothing they can tell me but that there was a suspicious demographic change. They didnt even let me send them any documentation or proof, let alone reinstate my account. Sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one payment on an account that was in fact paid on time. The consumer reporting agencies have to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on XX/XX/18. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
am filing this complaint against Experian, TransUnion, Equifax, and XXXX XXXX XXXX XXXX for reporting inaccurate, incomplete, and misleading information on my credit history, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The errors include : 1. The account, originally opened with XXXX XXXX XXXX XXXX ( account number ending in XXXX ), is marked as closed since XX/XX/XXXX, yet it also reports a last payment on XX/XX/XXXX, which is chronologically impossible. 
2. The account status is listed as Charged Off while simultaneously reporting an Amount Past Due of {$6100.00}. This is illegal under Metro 2 guidelines and credit reporting practices : a charged-off account should not continue to show a past-due balance. 
3. The remarks field repeats the negative comment Profit and Loss Write-Off twice, which constitutes an unjustified duplication of a negative mark. 
4. The information has not been updated since XXXX, which violates the continuous accuracy requirement under FCRA ( 15 U.S.C 1681 ). 

I have already disputed this account without receiving a valid resolution. 

Formal Request : Given that this account contains substantial errors, I formally request its immediate removal from the credit reports maintained by Experian, TransUnion, and Equifax. If removal is not possible, I hereby request all verification documentation, including : The original contract bearing my signature. 
The full payment history. 
Legal proof of the debt after the account was closed. 
Legal justification for maintaining two Profit and Loss Write-Off entries. 

If I do not receive a response within the 30 days allowed by law, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities for violations of the Fair Credit Reporting Act ( FCRA ) and damage to my credit. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase is manipulating my XXXX score recently accepted a Chase Freedom Card {$6500.00} line Of Credit my first cycle and XXXX I paid the Statement balance off XXXX percent over XXXX dollars from my checking witch is as well sister company next day money was successfully recieved by Chase XXXX XXXX this was clear on the XXXX it is now the XXXX and chase refuses to recognize=e and or adjust my available credit, also that issu=ed card then only in XXXX month they dropped my XXXX XXXX XXXX points and the reason for this STANDARD PRACTICES settle out of court for only one reason NOT CHANGING THERE UNFAIR INCORRECT INFORMATION AS WELL MONOPOLIZING THE BANKING INDUSTRY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX falsely reported twXXXX of my federal student loan accounts as 90 days late while they were in a Total and Permanent Disability ( TPD ) administrative forbearance, with no payment due. I was never late. XXXX admitted in writing on XXXX XXXX, 2025, that the 90-day delinquency was reported in error and that they would send corrections to the credit bureaus. 

However, Equifax resolved my dispute by merely updating the loan status from 90 Days Late to Current. I never made a payment to bring the account current this change is misleading and fails to remove the original inaccurate 90-day history, which continues to damage my credit. 

The FCRA requires that inaccurate information be fully corrected or deleted. The 90-day late mark never should have existed, and simply changing the account status going forward is not a full resolution. Ive suffered loss of credit, emotional distress, and credit score damage due to this false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: IN

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 XXXXXXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In the beginning of XXXX XXXX I found myself locked out of my Chase Prime Visa online account. After calling Chase multiple times and never getting an answer as to why or a fix for the problem I cancelled my account on XXXX XXXX XXXX. I told Chase to mail me a final bill ( which they never have ) They email me threatening letters, they report me for late payments for a bill I have never received and they tack on late charges. I have spoke to them at least once every two weeks since XXXX XXXX XXXX and they say that they will mail me my bill and drop the late charges but never do they do that. Im tired of their abuse!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
Recently I looked a copy of my credit report and noticed several inaccuracies in my report. This accounts are hurting my ability to obtain new credit. It is my understanding that you will investigate this items to ensure accuracy. 
The items are the ones I'm asking you to verify as accurate. 

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 2025-05-17 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: FL

Complaint narrative:
Recently I looked a copy of my credit report and noticed several inaccuracies in my report. This accounts are hurting my ability to obtain new credit. It is my understanding that you will investigate this items to ensure accuracy. 
The items are the ones I'm asking you to verify as accurate. 

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 2025-05-18 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts have resulted fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Multiple disputes the bank did not follow through with and the bank did not send follow up letter on dispute on additional required information for multiple disputed charges. Additionally, bank keeps making it so account is full of billing errors by putting multiple dispute, dispute resolution charges without ever sending a follow up at each step and the available credit balance is believed to be incorrect. Transactions are XXXX XXXX ( was refunded by XXXX XXXX, but the bank filed 5 dispute and dispute resolution charges for it ), XXXX XXXX ( bank did not send follow-up letter on ), and other transactions as well.

Company response to consumer: Closed with explanation