vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXX, they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same..

and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: DriveTime
State: OH

Complaint narrative:
XXXX and DriveTime have engaged in deceptive, unfair, and unlawful practices regarding account XXXX. The vehicle was sold as being in excellent condition, but within 30 days, it required a full transmission replacement. I later discovered that the vehicle had prior transmission issues and a recall replacement before the sale. XXXX and DriveTime knowingly misrepresented the vehicles condition, committing fraud from the outset. 

After making timely payments for over a year, I attempted to refinance the vehicle in XX/XX/XXXX but was denied because the financed amount was more than double the cars value. Since then, I have repeatedly requested a full accounting, interest breakdown, and refinancing options. XXXX stated they were only the servicer, not the originator, and refused to provide key TILA-mandated documents, including the promissory note, chain of assignment, and forward flow agreement. Without these, they have no lawful claim to collect or report. 

After their continued failure to provide validation, I initiated arbitration on XX/XX/XXXX, per the agreement. Despite this, XXXX updated the account as a charge-off in XX/XX/XXXX, in direct violation of arbitration proceedings. They have since refused to participate in arbitration while continuing to act on the account, including harassment, breach of peace, and repossession attempts, despite knowing arbitration is pending. 

Additionally, XXXX has inaccurately reported a monthly payment of XXXX when the contractual amount was XXXX and failed to report payments from XX/XX/XXXX through XX/XX/XXXX. This false reporting, along with their refusal to validate any lawful obligation, is a clear violation of the Fair Credit Reporting Act, Truth in Lending Act, and consumer protection laws. Immediate investigation and enforcement action are required to stop these unlawful practices and remove the unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Fax : XXXX Toll-free Phone : XXXX On the web : www.chexsystems.com We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Credit ( Qualifile ) Score : XXXX Score Date : XXXX Scores range from a low of XXXX to a high of XXXX, while exception scores range from XXXX to XXXX. 

Key factors that adversely affected your credit score are indicated below ( indicate the four key factors that adversely affected the credit score or if the number of recent inquiries is a key factor, indicate five key factors including the number of recent inquiries ) : TIME SINCE XXXX XXXXNQUIRY ACTIVITY UNIQUE FI XXXX  INQUIRY HISTORY DDA CLOSURE PAYMENT HISTORY XXXX  CLOSURE ( 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 2025-02-20 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: MA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: VA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-20 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I attempted to resolve a dispute with the Merchant, XXXX XXXX, a resort I booked using my American Express card. The resort advertises itself as a five-star establishment, but the accommodations and services provided were severely misrepresented and failed to meet basic hygiene and safety standards. 

During my stay from XX/XX/XXXX - XX/XX/XXXX, I encountered serious health hazards, including : Bug infestation in the bed, which resulted in severe bites requiring medical attention. 
Mold in the room and unchanged dirty sheets, despite multiple requests. 
Lack of clean towels, inedible food, and failure to provide essential services. 
On XX/XX/XXXX, at XXXX XXXX, my partner and I spoke with a resort employee, XXXX XXXX, who was in the management office. We detailed our concerns, but he stated that he could not issue a refund, despite the resorts failure to provide a habitable environment. Instead, he offered us a dinner reservation at the XXXX  inadequate response given that the resort is all-inclusive and the restaurant had already provided poor service. 

Since the resort refused to take action, I filed a dispute with American Express for the amount of {$1400.00}, citing breach of contract and misrepresentation. However, AmEx denied my dispute without addressing the core issues. XXXX XXXX response failed to acknowledge any of my serious health and hygiene concernsinstead, they only referenced the XXXX  closing early and even misgendered me, demonstrating a lack of proper investigation into my complaint. 

As a loyal American Express cardholder since XXXX, I expect my credit card company to protect me from merchants who fail to uphold their contractual obligations. I pay a significant annual fee for this level of service, yet I was left completely unprotected despite clear evidence of misconduct by the merchant. 

I am filing this complaint to formally escalate my issue, as American Express failed to advocate for me and did not provide a satisfactory explanation for their decision. I would like a full review of my dispute and an acknowledgment of the failure to properly investigate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-20 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: CO

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CO

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-20 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: FL

Complaint narrative:
To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXX XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate.

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
Please ensure that the unauthorized accounts on my credit report are blocked and removed promptly. I did not open or authorize these accounts and do not recognize them. As stated in USC 1681g, I am officially requesting their removal within 15 days. Relevant documents are provided for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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 sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Dear CFPB, I am writing to write a formal compliant against Peter Roberts & Associates, a debt collection agency, for attempting to collect a debt that I do not owe. I believe this debt is inaccurate and is negatively impacting my credit report. 

On or around XX/XX/year> I noticed a debt collection under my XXXX report and I became aware that Peter Robert Associate is reporting a debt to the credit bureaus. This debt allegedly pertains to XXXX XXXX XXXX XXXX XXXX. 

I have never incurred this debt, Despite my attempts to resolve this issue with Peter Roberts & Associates, they continue to pursue this debt. On XX/XX/year>, I contacted Peter Roberts & Associates to dispute the debt and I asked for debt validation letter, they resisted to sent it and asked for my social security number and my address to send the details. I question that if XXXX medical center has this details they should be sending the details to my address but they didn't I had no information or so regarding this debt and the debt is false. 


To this date, I haven't received any valid verification for this debt and the information that is on XXXX is incorrect. 

I am requesting the CFPB 's assistance in investigating this matter and requiring Peter Roberts & Associates to : cease all collection activities related to this inaccurate debt ; correct the inaccurate information they are reporting to the credit bureaus ; provide me with written confirmation that the debt is invalid. 

I will attach a copy of my billing summary with XXXX XXXX center for your reference. 

Looking forward to a resolution. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-20 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-02-20 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: MA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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