vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
As of XX/XX/year>, Experian and Equifax claim my identity theft investigations are still pending. This is false. 

Equifax marked my disputes as completed without removing fraudulent names or addresses, despite over XXXX years of submitted legal documentation. Experian no longer allows disputes of fraudulent names online and has failed to remove verified identity theft data tied to my SSN. 

Both bureaus have had more than enough evidence to act. Im requesting immediate removal of all fraudulent information and a full explanation of how the data was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding a mishandled debt collection and inaccurate credit reporting related to a Discover Bank credit card account with an outstanding balance of approximately {$8000.00}. 

Due to financial hardship, I was unable to repay the balance and was subsequently taken to court. A judgment was entered, and a wage garnishment was enforced through a debt collection agency, XXXX and XXXX. My employer complied with the court order and made regular deductions from my wages. According to the XXXX XXXX XXXX handling the garnishment, the full amount has been paid, and the wage garnishment is now considered satisfied. I have received official documentation from the sheriffs office verifying that the garnishment was completed and the debt paid in full. 

However, complications have arisen following the completion of the garnishment : XXXX and XXXX no longer handles the account, as it has since been transferred to XXXX and XXXX. 
XXXX and XXXX claims they have not received any payment. 
XXXX and XXXX also claims they have no record of receiving the funds. 
Despite the XXXX XXXX XXXX confirming payment and disbursement of the full amount to XXXX and XXXX, neither debt collector is acknowledging receipt. 
I have contacted all parties involved, including Discover Bank, and have been unable to resolve the matter. 
I have submitted XXXX disputes to XXXX including copies of the documentation from the sheriffs office, yet the account remains listed on my credit report as unpaid, negatively impacting my credit. 

I am requesting the CFPB to investigate this matter. I am seeking the following resolution : Confirmation that the debt has been properly credited as paid in full. 
Correction of any inaccurate information being reported to the credit bureaus. 
Assurance that no further collection activity will be pursued on this satisfied debt. 

Thank you for your attention to this matter. I respectfully request your assistance in resolving this issue promptly and fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to a store and they charged my card more than what I authorized and that company refused to give me a receipt saying that they were out of receipt paper. When I went back to the store for a receipt they refused. Chase refused to approve my claim without a receipt. When researching this company on XXXX this company has several complaints like mine. I also recorded my interaction with the clerk when asking to give me a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective 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 2025-05-02 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear Navy Federal Credit Union, I am writing to formally dispute and demand the permanent removal of the closed Navy Federal Credit Union account and all associated late payments that are currently being reported on my credit file. Despite previous disputes and communications, this account continues to appear with derogatory late payment information, which constitutes a direct and ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your agency has repeatedly responded with generic stall letters ( stall tactics ) and has failed to conduct a meaningful reinvestigation of the account as required by law. Under 15 U.S. Code 1681i, when a consumer disputes an item, the furnisher of the information must : 1. Conduct a reasonable investigation, 2. Correct or delete inaccurate, incomplete, or unverifiable information, 3. Cease reporting that information to any consumer reporting agency if it can not be verified. 

The XXXX XXXX account in question is closed, yet it continues to report late payments, which is both inaccurate and misleading. Reporting late payments on a closed account not only misrepresents my credit profile but is also a deceptive practice that causes ongoing harm to my creditworthiness. 

Additionally, this reporting violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information.

15 U.S.C. 1681s-2 ( b ) Duty to correct and update information after notice of dispute.

Section 602 of the FCRA, which outlines the right to fair and accurate credit reporting. 
The Consumer Financial Protection Bureau ( CFPB ) guidelines on proper credit furnishing. 

I am demanding that you immediately delete the XXXX XXXX account and all associated derogatory payment history from all consumer reporting agencies ( CRAs ) to which you furnish data, including but not limited to TransUnion, Equifax, and Experian. 

Failure to comply within 15 days of receipt of this notice will result in my pursuing all available legal remedies, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil action in state or federal court under applicable statutes. 

Please provide written confirmation of the permanent deletion of this account and any related derogatory information within 15 days of this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed

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 2025-05-02 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-05-02 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: TX

Complaint narrative:
I sent a certified letter in March demanding that Experian disclose to me copies of the documents that they have in their file that were used to verify the accounts that I have disputed. They failed to do so and the dispute results came back that the accounts were " verified ''.

I believe this is directly related to the to the issues raised in the CFPBs recent lawsuit filed against Experian. Despite confirming that Experian received my letter, they have failed to respond or provide any of the requested documents. 
I feel I have been negatively impacted, seriously hurting my ability to obtain credit.

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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail. Because I have no knowledge of this account, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to protect my rights as a consumer and to further disclose your business practices.

Failure to comply will result in legal action taken against Pro Collect Inc for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The Texas Finance Code.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Live agent disputed a charge when I just wanted more information about the charge, my account was also overdrawn even though its a debit spending account which they state shouldnt be allowed to be overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under XXXX XXXX, I ask for their removal within the next XXXX  days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-02 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I recently received a copy of my credit report and noticed some fraudulent accounts on my credit report. I have attached a copy of the identity theft report with the fraudulent accounts I would like removed from my account.

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 2025-05-02 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. If the dispute pertains to information resulting from a data breach, the FCRA mandates that such data be removed or blocked within 4 business days. If you are unable to validate the item, you must legally remove it from my credit report. 

I have provided a notarized affidavit confirming that my credit report contains fraudulent accounts and unauthorized inquiries. In light of this sworn statement, I request immediate action to delete or block the disputed entries to prevent further damage and ensure compliance with federal law. 

If you fail to verify the disputed information and continue to report it in violation of the FCRA, I will be forced to seek legal action for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. I have enclosed a copy of this statute for your reference. This law grants me the right to initiate legal proceedings in any appropriate federal or state court, including small claims court. 

I trust this matter will be resolved swiftly and in full compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. If the dispute pertains to information resulting from a data breach, the FCRA mandates that such data be removed or blocked within 4 business days. If you are unable to validate the item, you must legally remove it from my credit report. 

I have provided a notarized affidavit confirming that my credit report contains fraudulent accounts and unauthorized inquiries. In light of this sworn statement, I request immediate action to delete or block the disputed entries to prevent further damage and ensure compliance with federal law. 

If you fail to verify the disputed information and continue to report it in violation of the FCRA, I will be forced to seek legal action for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. I have enclosed a copy of this statute for your reference. This law grants me the right to initiate legal proceedings in any appropriate federal or state court, including small claims court.

I trust this matter will be resolved swiftly and in full compliance with the law.

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