vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
In XX/XX/year>, I submitted a formal FCRA dispute to Equifax regarding multiple inaccuracies on my credit report related to my XXXX  XXXX and XXXX accounts. I provided documentation that both XXXX XXXX accounts were placed in verified payment plans ( starting XX/XX/XXXX and XX/XX/XXXX ), and that the XXXX account has no verified history of a XXXX late payment. 

Despite my timely dispute and full supporting documentation, Equifax failed to update or remove the inaccurate negative information and did not mail me the results of their reinvestigation, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). The account is still being reported with 120150 day delinquencies post-payment plan start and Date of Last Activity fields are still incorrect.

I am requesting complete deletion of all late payments and past due notations on the following accounts, due to failure to verify with documentation and failure to reinvestigate per FCRA requirements : XXXX XXXX ending in XXXX XXXXl XXXX ending in XXXX XXXX ending in XXXX I have attached my XX/XX/year> dispute letter and my XX/XX/year> credit report as evidence. Please investigate this violation and assist with full removal of all incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment 's on the account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this compliant on the following dates ( XX/XX/year>, XX/XX/year> ). I'm now requesting you investigate and provide verifiable proof with records showing I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for you 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 2025-06-09 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment 's on the account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this compliant on the following dates ( XX/XX/year>, XX/XX/year> ). I'm now requesting you investigate and provide verifiable proof with records showing I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for you 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 non-monetary relief
Consumer complaint received 2025-06-09 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: AZ

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This letter was sent : Whom It May Concern, I am writing to formally dispute a student loan account that has been reported in my name, allegedly connected to XXXX XXXX. Let me be absolutely clear : I have never applied for, accepted, or taken out any student loanat XXXX XXXX  or any other institution. I have never attended college. 
This account is fraudulent, and I am demanding immediate action in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting the following : XXXX. Certified Copies of Debt Validation Please provide certified copies of all documents related to this alleged loan, including : o The original loan application with the signature used o A full account history, including payments, balances, and communications o The name and contact details of the original creditor o Any other documentation used to verify this debt XXXX. Account Information for Law Enforcement Reporting I also require : o The date the loan was opened o The address and personal identifying information used o The state and location tied to the origination of the account Because my job requires regular travel, I use my childhood home as my primary mailing address. I do not know what state the loan was fraudulently opened in or if I was living in XXXXXXXX XXXX XXXX or XXXX XXXX. The documentation you provide will assist me in filing a police report in the appropriate jurisdiction. 
Until this matter is resolved : Cease all collection activity on this account XXXX the account as disputed with all credit reporting agencies as required by law This letter is being sent via certified mail as a record of formal notification. Under federal law, you are required to respond within XXXX  days of receipt. Please send your response and all requested certified documents to the address below. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
Unaware of these two collections. The same amount and same dates. Inaccurate information posted on my account and I never gave permission to give my information out to XXXX XXXX. 

1. Collection - XXXX XXXX amount - {$950.00} opened - XX/XX/XXXX last reported - XX/XX/XXXX 2. Collection - XXXX XXXX amount - {$950.00} opened - XX/XX/XXXX last reported - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-09 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Experians Violation of FCRA in Failing to Investigate and Remove Inaccurate XXXX XXXX Account To Whom It May Concern : I am writing to file a formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, in relation to an inaccurate account reported by XXXX XXXX on my credit report. 

I have no association with XXXX XXXX, and the account in question does not belong to me. In accordance with my rights under 15 U.S.C. 1681i ( a ), I submitted a dispute to Experian along with supporting documentation demonstrating that this account is not mine. Despite my efforts, Experian has not conducted a reasonable reinvestigation or removed the inaccurate information as required by law. 

Furthermore, under 15 U.S.C. 1681c-2, I requested a block of information resulting from alleged identity theft or misattribution, but Experian has failed to honor this request. 

Experians continued reporting of this inaccurate account constitutes a violation of my rights under the FCRA and has caused significant harm to my creditworthiness and peace of mind. 

I respectfully request the CFPBs assistance in ensuring that Experian : 1. Conducts a reasonable reinvestigation of my dispute as required by 15 U.S.C. 1681i ( a ) ; 2. Permanently deletes the inaccurate XXXX XXXX account from my credit file ; 3. Blocks the reporting of any information that is the result of identity theft or misattribution in accordance with 15 U.S.C. 1681c-2.

Attached are copies of my previous correspondence with Experian and all supporting documentation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX FCRA References : XXXX XXXX XXXX * * 15 U.S.C. 1681i ( a ) : * * Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

- * * 15 U.S.C. 1681c-2 : * * Requires credit bureaus to block information resulting from identity theft upon proper request.

- * * 15 U.S.C. 1681s-2 : * * Outlines the responsibilities of furnishers of information to consumer reporting agencies.

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 2025-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XX/XX/year>XXXX  received account satisfied letter that loan had been paid off in full and title released electronically to DMV. On Friday, XX/XX/year>, called DMV & was told that paperwork to remove Lien had not been received. Called & spoke to XXXX at Title Department at Loan Mart & he stated there was some glitch in system & the electronic paperwork didn't go through. He stated paperwork would be resubmitted & that Title dept would call me back on Monday, XX/XX/year>XXXX  to confirm that it went through. Was offered a {$25.00} gift card from the company as restitution for my inconveniences. I'm calling to complain about the extended one month plus wait time for vehicle title & also for the excessive and exhorbitant charges I paid during the 5.5 years ( APR 86 %, Finance charges {$24000.00}, Amount financed {$7300.00} ) during which the account was active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, My dad owned a company that had legal issues and the CEO was indicted and went to prison but until the authorities figured it all out they put a freeze on my dads and the companies bank account with chase. It came out that my dad and the company were innocent and did not know about the fraud and they had to return money to the govt because of the fraud that the CEO did but my dad was never indicted and he settled with the XXXX and XXXX and it was a civil case with NO criminal connection to him. Anyways once his money was unfrozen ( it was about XXXX weeks until he settled ) he got a letter saying that he has XXXX  days to move his money as chase is closing his account and so he decided to transfer the bulk of his money to my chase bank account ( a business account i had ) and shortly after this i got a letter banning me and my wife from chase. I am humbly requesting that this block be removed as not only did my dad do nothing wrong but i also did NOTHING wrong- This was about XXXX  years ago and my dad has since passed away and I think its been long enough that XXXX can have someone manually look into the account and see if they can allow my wife and myself to bank with Chase again ( In addition i think it would be nice if they allow my mom { XXXX XXXX XXXX as well ). THe part that i find most unfair is that I clearly didnt consider that i was doing anything wrong otherwise we would not have moved my dads money to my account ( It was my private client banker who suggested it ) and I couldve moved it to another bank originally like i ended up doing, I didnt do it then because i did nothing wrong at all. 
Thank you for reading this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: CT

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 2025-06-09 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate and damaging information concerning multiple accounts falsely marked as having late payments. Specifically : XXXX XXXX XXXX reported a late payment for XX/XX/XXXX, and XXXX XXXX ( formerly Simple Finance ) reported late payments for XXXX and XX/XX/XXXX. 

These reports are completely false. I made all required payments on time, and at no point did I default, delay, or miss any contractual obligations with these creditors. 

These inaccuracies are not only damaging but illegal under federal law, including the following : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Reasonable Procedures to Assure Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information they report. Reporting late payments that never occurred shows a complete failure to follow those procedures, making the furnished data inaccurate and misleading. 

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers of information ( like XXXX XXXX and XXXX XXXX XXXX are legally required to report only accurate, complete, and updated information. By reporting false delinquencies, these creditors have directly violated their responsibilities under the FCRA. 

15 U.S. Code 1681s-2 ( b ) Duty to Investigate Disputed Information Once I submitted a formal dispute, the furnishers and credit reporting agencies had a legal obligation to fully investigate and remove or correct any unverifiable or inaccurate data. Failure to do so would be a violation of your legal duty under this provision. 

15 U.S. Code 1666b Billing Error Rules Regarding Timing of Payment A creditor may not legally mark a payment as late unless they have adopted and followed procedures to ensure billing statements are delivered at least 21 days before the payment due date. If this timeline was not honored by the creditor, any resulting late payment record is illegally placed and must be removed immediately.

15 U.S. Code 1681i ( a ) Duty to Reinvestigate Disputed Information Once notified, the credit bureaus must reinvestigate within 30 days. If they can not verify the accuracy of the reported late payments, they are legally required to delete them.

Impact on Me as a Consumer : These violations have caused severe damage to my credit profile, resulted in financial loss, limited access to credit opportunities, and inflicted significant stress and emotional harm. This reckless reporting and failure to maintain accurate records is a direct violation of my federally protected rights.

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 2025-06-09 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: CT

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint due to Experian, Equifax, and TransUnion 's failure to correct and remove inaccurate personal information from my credit profile, despite having received lawful notice. 

I submitted certified mail with return receipt to all three credit reporting agencies demanding removal of all false, obsolete, or unverifiable personal data listed in their records. Specifically, I made clear that the only valid and authorized personal information that should appear on my report is : Name : XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX I also informed them that I do not live at any other address, have no current employment, and do not work for XXXX  or any other entity. Any addresses, employers, or variations of my name not explicitly listed above are to be considered unauthorized and unverifiable. 

This request was submitted in accordance with 15 U.S.C. 1681i ( a ) and 1681e ( b ) of the Fair Credit Reporting Act, which require the credit reporting agencies to ensure that all personal information is accurate and can be verified.

Despite having received and signed for my certified dispute notices, the agencies have continued to report incorrect personal data, which poses ongoing risk to my financial security, privacy, and creditworthiness.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) enforce the immediate removal of all inaccurate or unverifiable names, addresses, phone numbers, and employment data from my credit file, and ensure my legal right to an accurate credit report is upheld.

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